Dec20 East Algarve Magazine

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OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO

ISSUE NO. 140 DECEMBER 2020


SPECIAL CHRISTMAS VOUCHERS FOR YOUR LOVED ONES

H O M E D E S I G N - FA S H I O N - ACC E S S O R I E S Timeless small and big gifts for the ones we love!

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Christmas Vouchers and other ideas from a wide range of carefully designed specials that will last a life time ....

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3.

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7. koziishop.com

TAVIRA - Open Every Day

R. Dr Augusto Silva Carvalho, 2 C

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1. Glass Bead Necklace (28€) - 2. Handblock Printed Scarf in Mud Resist dye (49€) - 3. Pure Hymalayan Wool hooded Poncho (130€) - 4. Thick Cotton handprinted open Jacket (190€) - 5. Handblock printed Scarf (20€) - 6. Large Double sized hand printed Bedthrow in pure Cotton (69€) - 7. Hand printed Pillow Cover 50x50cm (26€)


Thank you! 2020 has been an unusual year but we would like to thank all of our buyers and vendors for trusting us to buy or sell their Algarve properties. We wish all our clients and friends a merry Christmas and a happy and healthy 2021. Here is just a small selection of the villas we have sold so far this year.

TVR4453 / LUZ DE TAVIRA / €1,750,000

TVR4458 / LUZ DE TAVIRA / €525,000

TVR4454 / LUZ DE TAVIRA / €475,000

TVR6719 / SANTA LUZIA / €365,000

TVR6618 / SANTA CATARINA / €395,000

TVR4451 / LUX TAVIRA / €325,000

If you are thinking of buying or selling please get in contact. Fine & Country Tavira (Fine Estates Lda) AMI 11564. | Avenida Engenheiro Duarte Pacheco, n.˚54, 8800-537 Santa Luzia Office Tel: 281 023 263 | tavira@fineandcountry.com | Emmanuelle Deschamps 919 025 200 | David Holder 919 004 100 International head office Park Lane London | UK telephone 0207 3180631 | 121 Park Lane, Mayfair, London W1K 7AG, United Kingdom


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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 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

Unipessoal Lda

INDIAN FARMER

Welcome... ...to your December issue. This month we visit Tavira's newest delicatessen and supermarket 'A Venda da Maria', providing an eclectic selection of international and traditional Portuguese products. We also meet Janet and Colin who were helped by channel 4's 'A place in the Sun' to find their dream home here in the East Algarve. For the festive season we bring you the '12 gifts of Christmas', a fun selection of gift ideas for loved ones, including friends, and take a brief look at the Christmas illuminations in Tavira and OlhĂŁo. All this plus our regular articles on finance, gardening, local news, golf and property. I hope you have a great Christmas and let's all look forward to a more normal 2021. As always, I'd love to hear your comments or suggestions, please email me at info@eastalgarvemag.com

Richard Bassett, Editor

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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Contents 6 8 12 16 18 22 24 28 32

NEWS Local news.

PLACES A Venda da Maria. GIFTS The 12 days of Christmas. PEOPLE A place 'here' in the Sun.

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PEOPLE Live 'in' a place, not 'on' it. PROPERTY A year like no other. PROPERTY Property of the Month.

PHOTOGRAPHY Photo of the Month.

36 38 40

TAVIRA Find our advertisers on the map of Tavira. PEOPLE The reality of living with Covid. HEALTH A brief history of Anxiety.

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HEALTH Sara from Ser Igual.

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GARDENS Christmas Hearbs & Spicesl.

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FINANCE Finance news from Ricardo Chaves. FINANCE Financial advice from PCC. ILLUMINATIONS Christmas in Tavira and Olhão. GOLF the world handcap system. CLASSIFIEDS Grab a local bargain.

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News

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ila Real de Santo António will unveil what it calls “Portugal’s largest nativity scene” at its local cultural centre. The nativity scene is created every year by a team of two council workers – Augusto Rosa and Teresa Marques, assisted this year by Joaquim Soares and António Bartolomeu – who spent over 40 days and 2,500 hours of hard work to bring their project to life. Created using over 20 tons of sand, four tons of rock dust and 3,000 kilos of cork, the nativity scene features a record 5,600 figures. It is so large that it occupies almost the whole area of the cultural centre’s exhibition space, the council explains. Apart from recreating a number of Christian and Pagan traditions, the impressive display pays homage to some local landmarks, such as the Marquês de Pombal square, the old huts near Monte Gordo beach, the salt pans and the traditional Algarvian norias. It also features 80 motorised figures, four lakes and scenic lighting.

According to the council, the festive creation also has a sustainable side as most of the materials used were natural or recycled. LED lighting was also used as much as possible. Local mayor Conceição Cabrita says that the nativity scene has already become one of the municipality’s main attractions, pulling in people of all ages and from all parts of the country. “Even during a pandemic, we did not want to abandon this tradition, so we gathered all our efforts to not only create the nativity scene but also guarantee the necessary safety and hygiene conditions for those who visit it,” she said. According to the council, only a number of people will be allowed to visit the nativity scene at the same time. Visitors must also maintain a two-metre distance from each other, wear a mask and disinfect their hands before entering. The nativity scene will remain on display until January 21. It can be visited between 10am and 1pm and 2.30pm and 7pm for a symbolic fee of €0.50, except for Christmas Eve and New Year’s Eve when doors will close at 6pm. On New Year’s Day, the cultural centre will open at 2.30pm.

Source: michael.bruxo@algarveresident.com

Vila Real de Santo António unveils “Portugal’s largest nativity scene”

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he decrease in water available in the Algarve due to drought has led the Câmara of Castro Marim to adopt measures to reduce consumption in green spaces and combat losses. The replacement of plant species in the gardens by others that do not need as much irrigation (succulents and cacti), the introduction of meters with telemetry to monitor consumption, the renewal of water supply networks over 70 years old or the use of treated water in the watering golf courses are some of the measures, explained Filomena Sintra, vice-president of the Castro Marim Chamber. The councilor of that municipality in the district of Faro said that the "flow measurement with teleassistance, in duct areas and supply zones", allows "remote management" to be carried out and "to understand if consumption in that area is triggering" and then "block the connection to certain ducts ”in the event of breakages. As for the gardens and green areas, "meters will be placed in all spaces" and the system will be able to "remotely adjust consumption so that, on rainy days, it does not turn on automatic irrigation", Mayor Francisco Amaral explained, stressing that these investments are valued at around 300 thousand euros and were financed by the Environmental Fund.

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“With this measure in the gardens of Castro Marim and Altura, we think we can reduce 25% of water consumption. In the flow measurement zones, we also plan to reduce up to 20% of losses due to ruptures not detected in time ”, he estimated. At the same time, the Algarve Chamber is working on the first phase of the “renovation of Castro Marim's water supply networks”, which are “very old, from the 1940s and 1950s”, and “have no capacity to detect leaks” that "Go underground" if they are not detected on the surface, said Filomena Sintra. The vice-president of the Chamber now hopes that these projects will again have community funding, because the municipality's estimate points to an investment “of five to six million euros” to renew the municipality's water supply networks, a value she considered to be “unaffordable” for low population density municipalities, such as Castro Marim. In a municipality with many settlements scattered in the Algarve hills and with the “problem of physical desertification” of the territory, Filomena Sintra also welcomed the “construction of 65 kilometers of pipeline” that make it possible to “extend the network [of water supply] to 32 localities”, which only had autonomous municipal distribution systems and now have access points to

water from the Águas do Algarve high system. However, there is still work to be done, because "there are seven or eight locations, with a significant number of people, whose boreholes have dried up this summer" and "there are about 10 locations" that still need to be connected to the high and they need authorization from guardianship, despite the “good collaboration that the Chamber has had with Águas do Algarve and the Portuguese Environment Agency (APA)”, he warned. That official also stressed the importance of an agreement that will allow “to place water from the Vila Real de Santo António Wastewater Treatment Plant in the golf courses of Castro Marim Golfe and Quinta do Vale in the first half of 2021”, signed between the municipality, the Portuguese Environment Agency and the county's two golf courses. “On average, each golf course will have an average consumption of 400 thousand cubic meters of water”, said the Mayor, stressing that the agreement with these two courses will allow “to reduce the consumption of water stored in the order of 800 thousand to one million cubic meters of water ”, because they will be irrigated with water from the treatment plant, unfit for human consumption, but which can also be used for irrigation in agriculture.

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Source: Algarve Daily News

Water saving measures in Castro Marim reduce consumption by up to 25%


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Places

Delicious Delicacies

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avira's newest delicatessen and supermarket A Venda da Maria is here and ready to welcome you. The bright and airy store is located just a few minutes walk from the Pingo Doce in the center of town. Owned by three good friends, all named Maria and all with very different stories and backgrounds. Maria João, a Lawyer, Rita Maria who works for her husbands dentistry, and Virgínia Maria who was a volunteer in Angola helping disabled children. Together they decided to create a new project together. The trio chose Tavira as their preferred location due to its charm and the excellent quality of life it has to offer. The idea was to create a unique shop with a different concept; a store that would provide every day products plus items which are more difficult to find. Each item for sale has its own story behind it. We wanted to have a very health conscious, ecological shop designed to help smaller local businesses. For example,

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all their vegetables are sourced from a small local farmer and organically grown, and soap made from olive oil produced in Santa Catarina and the worlds finest salt, of course from our local shores. Other locally produced items include confectionary, jams, honey, olive oil and chilli oil. Environmentally friendly and biodegradable detergents are available in refillable packaging. The delicatessen also has its own cafe offering sandwiches, home-made quiches, freshly squeezed natural juices, cheeses, pâté, chorizo, a variety of the well-known pies (empados) traditionally made in Arraiolos in Evora, including chicken, duck, veal and game are baked fresh daily. They also have Muxama, a Portuguese dried tuna and Portuguese presunto (most presunto you’ll find here will be from Spain). On top of all this, they also have a great selection of wines and spirits. While volunteering in Angola, Virgínia Maria taught children to make Papier-mache chickens. Her assistance is on-going and the store is currently awaiting a shipment of these adorable

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from Maria's

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Enjoy a large selection of international and traditional Portuguese delights, in Tavira

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People

decorative chickens which will be available soon. For Christmas A Venda da Maria have ordered in hand-made chocolates made in Tavira, and have also put together a selection of locally made products, carefully gift-wrapped to make the ideal gift. Traditional cakes are available to order, including the famous 'Bolo Rei' Christmas cake, sweet potato cake and almond cake. A Venda da Maria want more than to be just another shop, they are aiming to build a community. With their upcoming wine and delicatessen tasting event, they hope to not only get to know their customers, but to also captivate your tastebuds. Keep an eye on their Facebook page for more details. Should you have a particular product you are having difficulty finding, A Venda da Maria are more than happy to source it for you. A home delivery service is also available. Address: Rua Poeta Emiliano da Costa 114, TAVIRA, 8800-357 Tel: 928 116 924, Email: iguariasdasmarias@gmail.com

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Places

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Gifts

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chilli goodies Christmas gift hamper for the special price of only â‚Ź55 (usually â‚Ź85.50) Call Avril on 916 187 193

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Twelfth day of

On the

East Algarve brings you some great gift ideas for the festive season. Sing along with us!

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Christmas... 10

wines and cheeses Be spoilt for choice at Tchin-Cheese in Tavira Email: tchincheese@gmail.com Tel: (+351) 915 474 033

delights giftwrapped

from A Venda da Maria Email: iguariasdasmarias@gmail.com Tel: 928 116 924

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masterpieces Exquisit Artworks from Artesis and Tavira d'Artes

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silver bangles Kozii Shop in Tavira is full of stylish gift ideas koziishop.com

Contact +351 918 973 438 Email: info@artesisgaleria.pt

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Contact +351 962 012 111 Email: taviradartes@gmail.pt

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...my

TrueLovesent to 7

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types of curry

tee off's pending

Tantalising Tandoori dishes Indian Farmer, Cabanas Tel: 912 550 315 Dawat, Tavira Tel: 920 039 424

18 holes of fun (or frustration) www.benamorgolf.com www.quintadovalegolf.com

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vintage gems Beautifully renovated vintage furniture from Oliveira, Tavira. www.byoliveira.com

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handmade rugs Wide selection of luxury hand-made rugs available from Oliveira, Tavira. www.byoliveira.com

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cushions Luxurious textiles and cushions available from Oliveira, Tavira. www.byoliveira.com

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People

Me... 2

ornate birds

Fabulous choice of objet d’art available from Oliveira, Tavira. www.byoliveira.com

and a

Large choice of vintage furniture, luxurious textiles, lighting and custom made seating available from Oliveira, Tavira. www.byoliveira.com

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Partridge

in an armchair

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A Place 'here', in The popular Channel 4 program, A place in the Sun, was here on location in September, assisting Janet and Colin from Manchester in their search for their dream home in the Eastern Algarve.

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long with presenter Danni Menzies and the production crew, they were based in Tavira and kept popping up and gathering attention at various locations with their cameras and sound equipment as they explored the area, taking in local scenery, culture and Janet and Colin’s interests as well as viewing properties. Colin and Janet met through a widows support group after losing their respective lifetime partners Rosie and Ian. They quickly realised that they shared a love for travel and recognised early that both had held long standing ambitions with their former partners to find and move to a dream home abroad. Both had spent many holidays visiting different areas and even viewing properties with the ambition of living that

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dream. Janet and Ian had explored rural France and Minorca, whilst Colin and Rosie had travelled to the Algarve for the last 35 years, latterly the eastern Algarve. They had also considered Florida. During a recent visit to the Algarve, Janet had also fallen in love with the area, particularly the quieter less touristy spots. A Place in the Sun Colin and Janet decided to visit the Manchester exhibition of ‘A place in the Sun, in early March, to get information on buying abroad and possibly even help them to narrow their search to at least one country. Although they were invited to do a screen test, they didn’t really think anything would come of it and were surprised to receive a phone call saying they had been shortlisted, however, a number of Zoom interviews followed before the filming was further delayed by Covid.

In early September they visited both France and the Algarve to start exploring, looking at rural properties where the family could visit and with enough land for Solly the dog to exercise. Being close to communities and restaurants was another essential. Whilst on a beach in the Algarve they received a call from the production company asking them to travel back out in October and continue their search "on the show", of course they said yes. Each episode follows househunters 'effortlessly' viewing five properties in one day and exploring the area. In reality it was hard work and long filming days. The team would show up at the hotel lobby at 8am and the return to the hotel was not until 7pm. The structure of the filming is very formal, you're initially allowed to only view the property from the outside and your

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the Sun

reactions are filmed. Questions are asked multiple times and your answers filmed from a variety of angles. Once you've got your lines absolutely right, you frequently find that you have to repeat the whole thing because some external noise from a motorbike or passing car distorted the audio recording. The filming wasn't entirely without incident either. The intro shot, which set the scene with a brief interview in front of Tavira island, almost ended in disaster as the encroaching tide almost cut the entire crew off. A brief wade through the incoming tide was required, the cameraman and sound recordist carefully held their valuable equipment above their heads. The two househunters soon became familiar with request for "wide-angle shots� and "reaction shots� and "once more for

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sound�. In total we viewed five very different properties, the first property we saw was, to say the least, in need of substantial renovation, the second property was a much more serious contender although it still needed some work. I wouldn't want to spoil the outcome of the show for any potential viewers, but suffice to say, the next three properties we saw were totally different in character, aspect and location. The programme takes account of interests and hobbies. So, included was a visit to a local dog training facility as Janet has an avid interest in dog agility and training. Solly, their curly coated retriever, needed to be considered and was probably extremely disappointed she wasn't invited to star in the filming. Likewise, Benamor Golf Club was included, to discuss Colin's hope to spend more time on the course. The sight of

Places

Danni in gold heels on the 18th green was a potentially awkward moment, but thankfully no harm done. In fact, we must really extend our thanks to Danni who was a true professional and totally helpful throughout. She makes the job of a presentor look really easy, we now realise it's anything but. A place in the Sun celebrated their 21st birthday this month in the new series has moved to a prime Sunday evening 7pm slot. The episode filmed in the eastern Algarve will be shown in the Spring of 2021. The producers report on 2020 was that it had been an uncertain year for everyone, yet A Place in the Sun found the majority of househunters unperturbed by Corona virus and more motivated than ever to buy abroad.

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People

Live IN a place, not ON it!

Local blogger and self confessed 'Nomad' Maureen Lobue gives us her insight and experiences on living life in a new country

“Y

ou can take the rental car now and come back later this afternoon for the paperwork. But don’t come back between 2:30 and 5:00 because we’re closed so I can pick my kids up from school and make sure their homework gets done. Come back around 5:30, I should be here then.” Where in the world would a business succeed run like this? Why would customers put up with this? Because customers here are local and understand how life on an island works. You meet a great party group in a local bar and everyone is buying you rounds of drinks. Wow, what a friendly place. But at the end of the night no one says “see you next time” or suggests you come back. That’s because you broke a cardinal social rule in this country, one you will not be forgiven for. You did not buy any rounds yourself. You will not be invited to join again. How are you supposed to know these things? If you come to a place as a visitor you’ll experience the surface. On vacation you get a glimpse of your surroundings. If you’re on a tour you get a glimpse of things that someone else determined you need to see, which is most often typical highlights in all the travel videos. But the travel videos don’t include everyday life with its challenges, local philosophies, and idiosyncrasies. To experience those things you need to live IN a place, not ON it. Truly experiencing a country requires

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digging deeper than the surface. When you do that you come away with an education of how people in different cultures live. And you come away with unique memories and new friends. I’ll take those over souvenirs any day. When someone asks how I am enjoying my holiday my response is “I’m not on holiday. I live here.” How do you get below the surface? Live locally Find accommodation outside the tourist centers, preferably in a local neighborhood or even a suburb or smaller town where you can easily get to the main cities. For instance when I went to Amsterdam rather than stay in the city, I rented an apartment in Weesp, a small town with an easy short commute by train. Each day I could take the train into the city and in the evening sit at a cafe along the river in Weesp talking to local people or wander the streets of small shops and family homes. While living in Spain I rented an apartment across the street from a park in a traditional town within an easy commute to the bigger cities. A favorite memory is of sitting on the balcony in the mornings watching families walk their kids to school through the park. Sometimes it was grandmothers, sometimes moms or

dads, sometimes the whole family. In the early evening the parade began again, this time entire families of several generations making their way slowly down to the cafes and tapas restaurants to spend the evening together. This family closeness was wonderful to watch, very different from my own culture. In Portugal I chose a small town and an apartment in the fishing village end. I am the only non-Portuguese neighbor and I can attest to the fact that the neighborhood watch is the women keeping an eye on things from their balconies. I can also attest to being watched over by them and am certain they would have my back if needed. Use Public Transportation One of the best ways to learn about a place below the surface is to take public transportation. For me this has sometimes been quite an adventure. You do need to be on your toes for major train and bus stations. If you can look up the layout and size of a station prior to getting there it will be a big help. I once walked out of an airport to take the bus to my new apt in Finland only to find that there were two choices and they were in opposite directions. My apt owner instructions only said take the bus

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so I spent an hour figuring out which bus in which area. After a long day of travel, this was not a happy experience. Train stations can be overwhelming in major hubs, but they are typically well laid out so standing back to get the lay of the land can help tremendously. Train stations also tend to have plenty of staff to help. Find those green or orange jackets and run to them! I once had a train connection that was literally 2 floors underground from the one I had just come off of. Local buses are an adventure all their own. On Dominica Island the local bus works like this: Climb into a small min-van with all windows closed and steam rising in the heat, step around the 5 gallon bucket

of paint, and over the 50 pound sack of potatoes, squeeze shoulder to shoulder with passengers sweating from having

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waited 20 minutes. The bus schedule timetable is “it leaves when it’s full”. In Panama local buses are similar to Dominica except that the driver plays radio music that blares so loud no one can possibly talk and your ears are still ringing 5 minutes after getting off. But there is a local strategy you can use. Again, learn from the locals, get under the surface. The huge comfortable tour buses also stop at each town & you are allowed to hop on those for the same price. This is fantastic if you’re going into the city. (photo of large colorful bus) Get to Know People This is not difficult if you do a little research to connect with groups before going. My article Make Connections offers specific information and tips on making connections before arriving. The most helpful tips for getting to know people are 2) Volunteer and 3) Join expat forums. Volunteering will connect you to the local community. Expat forums can be helpful in finding volunteer opportunities. After volunteering in a Caribbean second hand shop long enough to get familiar with some of the customers, I learned the criteria for finding a husband. One of my regular customers looked me over one day and had me do a turn around. Her survey report was

this: “I’m thinking you must be looking for a husband. The skirts are getting a little shorter and the backside is getting a little broader.” Not a lesson I was excited to learn, but an education anyway! While volunteering for a parade committee I met a scruffy old pirate who lived on his boat and whose treasure was kept in his heart. I will always remember Jake who excitedly cleaned up his boat for us to have a committee meeting on it and who would literally give someone the shirt off his back if they needed it. His memory is a treasure for me. Tap into your passion and find groups of others who share it. For me it’s dancing. So I find dance groups and lessons. Sharing a similar interest is an amazing way to quickly make new friends and at the same time learn a bit of language. I can say change partners, forward, back, and turn in Spanish, Croatian, Albanian, French Creole, and several others! (photo of dance lesson) It can be challenging to put yourself out there to make those social connections. My article The Smile Connection will help motivate you. Making new friends and sharing adventures makes the effort well worth it. Follow these tips for an entirely different experience than visiting a country for a glimpse. Learn about and become part of the culture by living In it, not just On it.

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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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very year in December we reflect on the past year and provide an outlook for the property market in the year ahead, 2021. It has been a year like no other, one that will stay in our minds forever. The (by long-term historical standards) relatively mild Covid-19 pandemic, has led to many lost lives and enormous economic damage, causing great uncertainty for people and businesses alike and is still ongoing. Contrary to our expectations the market has held up remarkably well. We have seen some sharp reductions in asking prices of resale properties, but the majority of vendors left prices unchanged. There has been many cross currents this year. Some areas like Quinta do Lago and Vale do Lobo have seen an increase in transaction volume with an upward bias in property prices. In other areas of the Algarve, prices remained stable to slightly lower. Additionally there was a decline in transaction volume partly due to the lack of supply of properties and travel restrictions. On the other hand newly built properties sold well and at higher prices per square meter than the year before. Also, demand for quality villas with pools and penthouse apartments in good locations held up well, in particular in the higher price segment. These types of buyers are likely to be less affected by the economic uncertainty. They are mostly cash buyers who are faced with negative interest rates on their savings accounts in their home countries. The economic situation is still dire as we are now in the pandemic´s 2nd wave and an increased possibility of a double dip recession. The purchasing managers index (PMI) is a leading indicator of business activity which fell to 45.1% in November, a six month low and down from 50% the previous month. A reading below the 50% mark indicates that the majority of businesses reported a contraction in activity. For the Eurozone the ECB expects an economic contraction of 7.4% for this year while lowering their economic growth expectations for 2021 from 6.1 % to 4.1% due to the 2nd and quite likely 3rd wave of infections. This forecast is made even taking into consideration that vaccines will become available for the general public in the course of the year, which

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Property

together with more testing and tracing offers an opportunity of the normalization of day to day life in the future. The Algarve has been badly hit as economic activity is highly dependent on tourism and hospitality related industries, a sector of the economy which has been most affected. Demand for these services has disappeared almost overnight. Now we are in the secondwave which could delay the Eurozone economic recovery as fourth quarter economic activity is expected to decline by 2.3% due to new restrictions and lockdowns. The economy of Portugal is expected to contract by 9.2% for the whole year and to rebound by 5.4% in 2021. Unemployment is expected to reach 8% in 2020 and only to recover slowly in 2021 to 7.7%. The UK is an important market as many holidaymakers who visit the Algarve every year have been keen buyers of property. However, the UK is badly affected by the Corona virus in addition to the uncertainty of Brexit and is expecting a fall in GDP of 11.3% in 2020, the largest drop in 300 years. With a sharp and deep recession one would normally expect a wave of foreclosures of residential property and a fall in prices. However, this has not happened as governments created funds to directly support both businesses and their employees to bridge this period of distress. Additionally banks are also offering a repayment holiday for business loans and residential and commercial mortgages for those in need. As a result prices of resale property did not correct as much as we expected. Although the financial support from governments and banks, was needed and much welcomed, it mainly came in the form of a loan or in the case of the banks a postponement of loan obligations. Thus the burden remains, as these will still need to be repaid in the future. Another reason why property prices held up relatively well is the continuous positive articles in the international media about Portugal as the place to be, also during the pandemic. Except for a few cities, the Algarve predominantly consists of low density residential areas. As such, and with a population eager to follow and obey safety measures, the number of people affected by Covid-19 as well as the number of casualties are low in comparison with other countries. In

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addition working from home has become more acceptable than ever before and made possible by technological innovation. Home offices may as well be in sunnier climes like the Algarve. The demand for long term stay accommodation in 2020 has increased confirming this trend. So far the action taken by central banks to add liquidity to stabilize financial markets has worked. Stock markets are back again at levels seen before the pandemic started and some are making new all-time highs such as the Dow Jones, S&P 500 and Nasdaq indices. A good example of the unusual times we are living in is that the yield on 10 year Portuguese government bonds turned negative in November for the first time ever, down from 16.5% in January 2012 during the Eurozone debt crisis. Bear in mind that Portugal is a country with a high debt to GDP ratio of 135%. It’s just another example of how the abundance of liquidity created by central banks floats all boats. The demand for hotel rooms and self-catering holiday accommodation may have fallen off a cliff this year. However, demand for properties has not abated even though transaction volume was lower than last year due to limited supply and travel restrictions. It is likely that in the future, maybe as early as Q3 2021, things normalize and people will regain confidence to travel again. Before the pandemic started there was already an oversupply of savings versus borrowings. The lockdowns and travel restrictions have led people to save even more as the possibilities to spend money were supressed. This may continue for some time. However, once things normalize and people are able to go about their normal lives it is well possible that this will lead to a boom in consumption. With similarities to the period after the 1st world war and the Spanish flu pandemic last century, a period which lasted a decade and that is referred to as the Roaring Twenties, then like now, people were very pleased to leave a period of great uncertainty, anxiety and frugality behind them as the pandemic came to an end and new innovations such as the automobile, radio, telephone, electrical appliances made it seem that anything was possible. A period of economic prosperity with new job opportunities. Now the innovation is different, we need to make an energy transition away from fossil fuels to green energy. We are at the beginning of The Internet of Things, making progress with artificial intelligence and advances in medicine. The speed of innovation is likely to accelerate as the long awaited EU corona virus recovery fund of € 750 bn is allocated to the countries. A large part will be used to invest in new technology, the energy transition and infrastructure. In addition, the ECB is increasingly vocal about the necessity of governments to do their part to stimulate the economy. Whereas a year ago governments in Europe largely ignored calls for fiscal stimulation of the economy, now the taps are wide open to fight the coronavirus pandemic. Portugal (€9.2bn support for companies and workers), France (€45bn in tax breaks and €300bn loans to businesses), Brittan

(£330bn emergency loan guarantees and £20bn fiscal support), USA ($2000bn fiscal stimulus), Spain (€100bn emergency loan guarantees), Germany (€750bn business and employee support) and The Netherlands (€40bn) are all using their balance sheets to protect household incomes and prop up business activity. In Portugal the 2021 state budget is currently under discussion and one of the proposals is that properties which are registered under Alojamento Local are no longer subject to capital gains tax when the rental activity is closed. At the moment it is possible to avoid having to pay CGT when initiating a long term rental agreement of 3 years or longer. Eventually the economic uncertainty will subside as vaccines will be made available during the course of the year. It’s tempting to believe that the end of the pandemic is in sight, but vaccines are not a magic bullet. There is a long road ahead. Getting back to normal is not an event but a process that requires time. However, the availability of vaccines together with more testing and tracing offers hope that we will be able to return to our normal day to day life in the future. As far as the economy is concerned, we believe that the glass is half full and not half empty. If and when needed, not only central banks are on standby to provide support, but increasingly governments to, by deficit spending. Their mantra is to prop-up the economy and keep people employed and to worry about reducing debt later. If they succeed, and we think they will, it could put a floor under property prices. The popularity of Portugal as a place to live and holiday makes us believe that demand for property in 2021 will continue to be healthy. We are strengthened in our view by the ongoing investments in various small and medium size developments, most of which do not make the news. There are also some large scale, ecofriendly developments in the offing. However, we would not be surprised to see another drop in transaction volume for 2021 due to the supply constraints and travel restrictions for part of the 1st six months of the year. Prices of resale property may stabilise during the course of the year depending on the successful distribution, acceptance and lasting effectiveness of Covid-19 vaccines. Stay strong, healthy and safe. 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

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101% quality villa! four good sized bedrooms, LARGE sitting room, 101% qualityterraces, villa! four good sized wonderful views, quiet bedrooms, LARGE sitting room, fibre location & ...fibre. Yes, optical wonderful terraces, views, quiet to keep you connected. location & ...fibre. Yes, optical fibre to keep you connected. Stay safe & enjoy with your family thissafe stunning home. Stay & enjoy with your family this stunning home. Buy and sell with us you will like ourand sales Buy sellstrategies. with us you will like our sales strategies.

Property Property of the month of the month Villa 4 Bedrooms Villa 4 Bedrooms Refª: HOME2006V Refª: HOME2006V Location: Santo Estêvão Location: Santo Estêvão Price: 830.000 € Price: 830.000 € www.russell-decoz.com www.russell-decoz.com sales@russell-decoz.com sales@russell-decoz.com call: +351 289 792 785 call: +351 289 792 785 +351 911 765 100 +351 911 765 100 you have a house sale? DoDo you have a house forfor sale? Contact and learn about Contact usus and learn about ourour sales strategies. sales strategies.

Licença AMI:870 Licença AMI:870 @russelldecoz @russelldecoz

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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

REDUCED PRICE!

D L O

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MANTA ROTA WAS 275.000€ NOW 249.000€

REF:2567 • Fully Furnished • 3 Bedroom House • Air Conditioning • Garage Room • Living Room • Equipped Kitchen • 3 Bathrooms One Suite • 800 M Approx From Beach

VILA NOVA DE CACELA WAS 249.950€ NOW 235.000€ REF: 2630 • Furnished • Huge private patio • Garage • Veranda with ocean view • 3 Bedroom house • 3 Bathrooms one suite • 5 Mins on foot to town • 5 Minutes on foot to train station

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

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

info@eastalgarvemag.com or Tel 961 700 200.

As an advertiser you automatically become a distributor, and will be provided with a number of copies to issue to your customers. 26

3 BED. VILLA W/ SWIMMING POOL - 4 KMS FROM MANTA ROTA BEACH - Built in 1997, on 2 floors with a total area of 152m2, fenced garden with trees and flowers with an area of 308m2. Sold furnished and equipped. Air conditioning in the bedrooms. ENERGY CLASS - D € 305.000

2 BED. APARTMENT W/ TERRACE AND PARKING SPACE CABANAS - Situated in a prestigious complex, with swimming pool, restaurant, etc, on first-floor with lift, built in 2010 to a high standard and in impecable condition. Within walking distance to the villages of Conceição and Cabanas and all amenities. ENERGY CLASS - B € 305.000

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AMAZING VILLA WITH POOL & GARAGE IN SÃO BRÁS DE ALPORTEL

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eautiful villa that sits in a fully walled private plot with easy to maintain garden and swimming pool. This villa also benefits from a big garage and has central heating. The villa is located in São Brás de Alportel within a very short drive to the centre which can also be reached within walking distance. Well constructed, convenient on one level, and well kept, this villa is an ideal holiday or residential home. This fenced property, that has all on one level, is approached through an electric gate and private driveway of Portuguese calçada, with palm trees on the side, that leads to a parking area and garage. The villa has two entrances, one to the kitchen and one to the hallway. The hallway gives access to the lounge with

Scan the QRcode to view full photo gallery and description online

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a dining area which has a wood burner and patio doors to the front and rear, a fully equipped kitchen with doors that provide access to a covered terrace and overlooks the garden and pool. From the hallway, you also have access to the master bedroom with en-suite bedroom with patio doors and walk-in wardrobes, two double bedrooms with built-in wardrobes both with patio doors and a shared bathroom. An internal hallway also gives direct access to the spacious garage which has been converted into another master bedroom with en-suite. From the garage, you also have access to the utility room and wine cellar. The mature garden surrounding the villa has automatic irrigation with a variety of plants and native trees. The property benefits from a swimming pool and multiple terraces, of

which one is covered and has a brick-built BBQ and pizza oven. An additional piece of land offers a wonderful mature orchard with citrus and nut trees. The property benefits from its private, quiet location, yet it is not far from shops and amenities. Furthermore, the property contains double glazing, pre-installation for air-conditioning, central heating, builtin wardrobes, mains water, private borehole serving the pool and garden irrigation and a pre-installation for an alarm system. This is a beautiful, convenient villa on one level, ideal for living all year round. Ref. SVP1140 Price: ¤495.000

Divine Home Sublimematriz Med. Imob. Unip. Lda Largo São Sebastião 17 8150-108 São Brás de Alportel 00351-289 841 751 info@divine-home.eu www.divine-home.eu

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Photo of the month

This beautiful shot by Stephen got the winning vote, although it was a tough choice. As usual submitted to the Facebook page: ‘Algarve Amateur Photography group’ Location: Faro Airport, Taken on iPhone 7+ Photographer: Stephen Heard (from Mealhas, São Bras De Alportel) Comment from photographer: “Aviation is a hobby of mine along with Photography, therefore l had to combine the two on one fine morning”

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Sempre Gentil Agência Funerária

3 bedrooms townhouse Urbanização Marlin - Tavira Great views. Private pool 415.000€

Funeral Services ❖ International Service ❖ Cremations and burials ❖ We handle all documentation ❖ We deal with national and international death certificates ❖ Publications on the Agency’s Necrology page ❖ We’re here for you 24 hours a day Sempre Gentil Agência Funerária R. S. Gonçalo Lagos, 1 8900-286 Vila Real de Santo António R. S. Sebastião, 14 8950-121 Castro Marim Phone: +351 281 542 835 Mobil: +351 914 800 876 - (Sofia) e-mail: sempre-gentil@sapo.pt

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3 bedrooms townhouse Santa luzia 1st line Private condo with parking place Private elevator on the house Amazing views 680.000€

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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Funeral plans

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

Giving you peace of mind • 3 levels of plan available • 24 hour help-line • Instalment plans available

281 325 842

tavira@ibexinsure.com

Rua 1 de Maio 26B r/c, 8800-360, Tavira

www.ibexinsure.com/tavira Car Home Motorbike Travel Health Boat Business Pet Community

MONTE da PALHAGUEIRA VILLAGE

Villas from: £140,000 Ι Apartments from: £95,000

DESIGNED FOR THE OVER 55’S Monte da Palhagueira offers 33 houses and apartments, exclusively designed for the over 55’s. Set within a traditional village development of 22 acres, just 20 minutes drive from Faro International Airport, the village nestles in the tranquil and picturesque hillside of Gorjões, Faro in the Algarve. 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. Part of the Amesbury Abbey Group, Church Street, Amesbury, Wiltshire SP4 7EX www.amesburyabbey.com

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Places

A new Horizon Swedish Real Estate Agents Fastighetsbyrån Tavira have moved location. Owner Stefan Nymberg tells us about their experiences so far, and the industry during Covid 19

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e opened on February 1st 2019 and the results so far have been much better than we estimated. Our goal has always been to deliver quality for both vendors and buyers and we are really happy with the very positive feedback we have had. Here are some examples: https://www.reco.se/ fastighetsbyran-algarve-tavira To be a reliable agent we are behind the client all the way, satisfied only when two very positive parts are reached in every deal. We are a very good team with different experiences. Together we speak many different languages; Portuguese, English, French, Swedish, Spanish, Danish, Norwegian and some German and Italian.

This is one of the reasons why we have a lot of international clients from all over the world. We see a great deal of potential in Tavira for the future. It is not only the weather, but also the affordable prices, good food and wine plus nice people. Today it is also very important with regards to the safety aspect. We have a lot of people that want to come here as they feel their own countries are not as safe. Due to the Covid19 situation, we have seen more and more younger people wanting to

move to the Eastern Algarve. People have discovered how easy it is to work from home. Why live in a large city with high prices and spending a lot of time commuting to work, when you can work from here in the Algarve with all its benefits.

A reliable real estate agent simplifies your life! FASTIGHETSBYRÅN TAVIRA +351 281 322 762 Rua Jacques Pessoa, nº 26, 8800-350 Tavira FASTIGHETSBYRAN.COM

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BARS & CAFES 1 La Baguette 2 Somewhere Else (Daves Bar)

PLACES TO VISIT 1 Kozii store 2 Kozii store 3 Artesis Galeria 4 Tavira d'artes 5 Oliveira 6 A Venda da Maria

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

HEALTH & BEAUTY 1 Elle 2 Rui Barros 3 Thai Massage Expert 4 Buaka O Tavira 5 For your Brows only 6 HITIO gym

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

RESTAURANTS 1 Abstracto 2 DAWAT Indian Restaurant 3 Ponto de Encontro 4 Kohinoor Indian Tandoori Restaurant 5 Mar Azul 6 Restaurant Franganario 7 Restaurant Bruncheria

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Restaurante

Abstracto Traditional Portuguese Cuisine

• 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

Bishops Square

Restaurant.Abstracto.Tavira

Land line: 00 351 281 321 764

Mobile: 00 351 96 26 19 022

Somewhere Else Somewhere Else Somewhere Else DAVE’S BAR DD AA VV EE ’’ SS BB AA RR

La Baguette FRENCH BAKERY

IN TAVIRA

Fresh bread, croissants & pastries made daily using French flours on site! Teas, coffee, chocolate and fresh orange. 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

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Outdoors

Feliz Natal Oliveira, Tavira. Let us inspire your home Vintage chic and stylish new furniture luxurious cushions and textiles, lamps, lighting objet d’art and custom made seating

www.byoliveira.com Shop: Rua 4 de Outubro 24, Tavira 8800-362 Call: 962 379 584 Email: decor@ byoliveira.com @oliveiradecor @oliveirafurniture

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The Reality of Living with Covid The real life and ongoing experience of our dear friends Terje and Denise Dahl. Our thoughts and prayers are with you both

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p until one month ago my husband, Terje, and I personally knew only two people in Tavira who had been infected with Covid19. One Swedish friend who had been infected when back in Sweden and one local friend who contracted the virus when in Ireland. Consequently, we have been experiencing it from afar, shocked by the numbers infected and the number of deaths around the world, but a little smug that in this corner of the Algarve we have had low numbers. We have been obeying all the rules set by the Portuguese government, wearing our masks, sanitising and only socialising with people inside our social bubble. It, therefore, came as a great shock when Terje received the news on Friday, 6th November that the flu we suspected he had (he became sick on Sunday, 1st November) was in fact Covid 19. We don’t know from whom or where Terje contracted the virus. We probably never will. Thankfully nobody on Terje’s contact list caught the virus from him apart from me and I was totally asymptomatic. He is far fitter and healthier than me so how can it be that he gets so sick? This virus is totally unpredictable. Week one was unpleasant, like a bad flu, with a raging temperature and all that a high fever brings with it. However, on day 6 with additional symptoms of nausea and gut pain, the inability to eat or drink very much and an increasing weakness, we started to realise how very scary this virus is. On Monday morning 9th November Terje had

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suddenly deteriorated and was rushed to Faro hospital by ambulance and immediately admitted to the Intensive Care Unit. At the time of writing this, Sunday, 29th November, he has been there for almost 3 weeks. Until last Tuesday he had been lying in a prone position for 22 hours, in every 24 being administered oxygen via a non-invasive ventilator. He was scared and sometimes depressed. During week two of his stay he was making slight improvements, and on 5 consecutive evenings he was able to call me via a video call for a few minutes. One week ago, on Sunday, 22nd November, he suddenly deteriorated and I was told by the hospital his situation was critical. Many leading physicians around the world have now realised that using invasive ventilation on critically ill Covid patients can increase lung damage and they only take this course of action as a last resort. I was warned they may have to induce a coma and put him on a ventilator. I begged them to allow me to see him to give him reassurance but was told it was impossible. Incredibly he started to make slight improvements and they decided not to intubate him. On Monday when I spoke to another doctor about his condition I asked again if I could possibly see him. Miraculously he agreed that I could see him through a window and so I drove to the hospital. I was led through a car park and they had wheeled Terje’s bed to the window. Lying on his belly, he was able to raise his head slightly and although he didn’t have the energy to use his phone so we could talk, we were still able to silently

communicate. I saw his beautiful smile and he was able to blow me kisses. The following morning at 09:05 he found the strength to message me “Good morning nice seeing you yesterday” followed by frantic questions asking if I had spoken to a doctor about his current condition. At 11:26 he wrote three words “Going on ventilator’. Although all patients who are admitted to the Covid ICU are critically ill, Terje’s condition was deteriorating rapidly and I was told to prepare for the worst. His lungs were very damaged by the Covid, plus an additional complication of pulmonary fibrosis. Every evening for the next three days I was told the same news: although his heart, liver and kidneys were healthy and his blood gas results were improving, the deterioration of his lungs was not stopping. As the Covid continues to attack his lungs, the fibrosis is creating scars over the damage. There is no treatment for pulmonary fibrosis and the damage is not reversible. Last night, Saturday 28th November, the doctor told me there is little chance of survival. If they make a decision to take him off the ventilator it will either be because Terje is able to breathe on his own or because his lungs will never be able to sustain life. They suspect it will be the latter and not the former. And so I wait for this evening’s update as I have for the previous twenty one evenings. I am numb and in shock. I think I have experienced every emotion in the last three weeks. I can only compare it as being on the world’s most terrifying roller coaster blindfolded as you

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People never know what is coming next………. The medical staff at Faro hospital have given Terje fantastic care and are doing everything in their power to treat him. Unfortunately, they are so short staffed they have very little time to communicate with family members and it can be a struggle to speak to anyone for an update. They are also frustrated by not having the time to sit with the patients as much as they would like to, in order to reassure and comfort them - an important part of the healing process. If they were to invest in a family liaison person who could spend time talking to the patients and their family members, it would relieve the medical professionals to totally focus on the technical care. Why don’t hospitals in Portugal appeal to retired medical staff to come in as volunteers? Tomorrow is Terje’s 67th birthday and his retirement day from work. He has been in charge of training senior police officers how to be better leaders and managers at the Norwegian Police Academy where he was so well liked and respected. He is also a trained psychotherapist. I had planned so many small celebrations for him tomorrow. For those of you who know Terje, I’m sure you will agree with me that he is a man who loves life, he is kind and considerate, witty and sociable. I have been inundated with messages of support from all over the world as over the past twenty years we have lived together in Norway, Singapore, Malaysia and now Portugal, our permanent retirement home. This has confirmed how loved Terje is, both near and far. He is my soul mate, best friend, husband and lover. I miss him desperately. Although I am still hoping and praying for a miracle, by the time you read this I may have lost my husband for ever……… So the main purpose of my writing this is to say to everyone who believes that the Coronavirus is just the flu, it isn’t! When you see a loved one suffering for one month and there is nothing you can do, you start to realise how horrendous this virus is. PLEASE obey the rules. Wear your masks without complaining, keep your social distance and wake up to the reality. And although we have no quarantine or testing rules in Portugal for those coming in from overseas, I believe those travellers should

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take personal responsibility to self-isolate or at the very least make sure they wear their masks and social distance for two weeks (symptoms can appear between 2 - 14 days). We also have to start being accountable and telling the travellers they should do this if we see they are ignoring the advice. Amidst the quite literally hundreds of positive and supportive messages on Facebook it was very sad to hear about and see negative posts on social media, mainly written by foreigners who don’t even know Terje and I. How sick are these people who purposely go out of their way to cause distress by judging others without knowing the facts? Interestingly, if you research why people become internet trolls, many behavioural experts believe they do it for either revenge, attention seeking, boredom or for personal amusement. They want to lash out at people who are being successful, who are happy, who are enjoying their life because they can’t. It’s thought that people troll because they are insecure in themselves, so they want to get a kick out of being negative towards someone else. They also suggest not feeding their sickness by responding. Delete the post if you can or report them to the administrator of the group. Sadly it seems many of these same people also make derogatory remarks about Portugal and our hosts. Why don’t they just return to their country of origin if they are so unhappy here? Many of you know how caring and engaged within the local community Terje is. Some of you may be aware that we run the Pink Flamingo Croquet and Social Club at Pedras da Rainha in Cabanas. As a non-profit association we have held fund raising events for the Bombeiros and more recently East Algarve Families in Need (EAFIN). In March we identified there was very little support for local families who were suffering economically due to the Coronavirus damaging tourism and local businesses. We started the EAFIN initiative and with monetary and food donations as well as excellent help from some marvellous volunteers we were able to feed over 1000 families from Vila Real de Santo Antonio, to Tavira to São Brás de Alportel and a lot of places in between. We may not be in lockdown now, but we can all see the restaurants, hotels and bars are suffering, many are closing down and staff are being laid off. This has a ripple effect on suppliers too. I read today that the Algarve has had the worst tourism occupancy this October ever. Realistically these establishments were only vibrant from the start of July to mid September. It’s going to be a very rough winter and a non-existent Christmas for many. Are you aware that without an employment contract for the previous eighteen

months there are no government benefits and many employees work as daily hires? Our initiate has started again by a close friend, leading it in my absence whilst Terje is so sick, even though we have low funds and few supplies. We desperately need your help so we in turn can help those in need. We need volunteers (drivers and packers) but of course we need non-perishable food and essential items or monetary donations. Pasta, rice, flour, sugar, olive oil, stock cubes, cornflakes, olive oil, tins of beans, frankfurters and tomatoes. Also hand soap, baby diapers, wash powder and cleaning detergent. Meat, eggs, cheese, bread and vegetables we purchase on a daily basis from our funds. Do you have too much fruit and vegetables in your garden you can donate? You can drop off food and essential items at the Pedras da Rainha reception in Cabanas anytime; on Thursday mornings between 10:00 and 12:00 at EAFIN headquarters in Tavira (the old music school behind the Black Anchor and opposite the bike hire shop); Tavira 2nd Chance shop on Mondays, Wednesdays and Fridays (Rua Dr Parriera 29A, Tavira) and as always the Black Anchor pub in Tavira during opening hours. Monetary donations can be made by PayPal via contact@pinkflamingocroquet. com (Reference EAFIN) or by bank transfer to our dedicated EAFIN account in the name of Tor Terje Dahl IBAN PT50 0033 0000 4549 2035 1420 5. Every euro donated goes directly to purchasing food and essential supplies. No expenses are paid to volunteers or administration.

CHRISTMAS IN A BOX Terje was inspired to help local children from struggling families to have something to open this Christmas. Can you help us to bring a smile to a child’s face? Can you create a box of joy? If you can fill a shoe box size container with small toys and gifts, mark it boy or girl and the age you have targeted, we will wrap them and deliver them to deserving children a few days before Christmas. They will be labelled 'from Santa and his elf Terje' as a tribute to the fantastic man I have been so lucky to be with for twenty years. Cut off date for donating boxes at any of the food drop off points is Thursday, 19th December. Thank you for all your support and remember to stay safe to protect yourself and others. Denise Dahl

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Health

A ‘very’ brief

Anxiety is defined as "an uncomfortable feeling of nervousness or worry in the future", but what does it really mean? Ellen McCCallum

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nxiety disorders are said to affect around 33% of Europeans between 18 and 64. Given the large number of people who simply manage their ‘disorder’ alone or are outside of this age range, the true figure is likely much larger. Anxiety is often described as a modern complaint, but descriptions of anxious conditions were described in texts attributed to Hippocrates and, later, Seneca, amongst others. The ancient Greeks treated ‘hysteria’, which comes from the word for uterus, as a complaint affecting only women. Physicians - male of course - treated women for a wandering uterus that moved around the body blocking passages and giving rise to many strange behaviours, including the decision to not wed! Fast forward to the 21st century, the 1900s saw a wide range of treatments from barbiturates to electroshock therapy. In the 1980s the term ‘anxiety disorder’ was coined and in the 1990s it was discovered that anti-depressant medications which worked on low levels of neurotransmitters such as dopamine and serotonin were effective on some patients. The term anxiety comes from the Latin ‘angor’ meaning to constrict or narrow. Certainly, many of the symptoms we experience when anxious, physically, or psychologically, can be described in this way. Cramps, spasms, headache, sensations of worry or dread are just some of what can be a hugely debilitating condition. Still unknown Today there are still many holes in our understanding of anxiety. The fight or flight response is part of our evolutionary development, to be nervous in preparation for action that keeps us safe is normal and useful. However, when we feel nervous,

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even overwhelmed, or incapacitated, in the absence of real threat, the nervous system is malfunctioning, and we experience this as anxiety. While much is still unknown about why this happens, scientific exploration and discovery is making great strides in understanding our predispositions to anxiety due to trauma, genetic and environmental influences as well as the role of nutrition. Also, in the functional and natural medicine fields many are looking to traditional medicine systems to discover things from the past that may help without addictive side effects. These range from herbal tinctures to practices of meditation and breath work. The hormonal neurotransmitter ‘dance’ Some of what we do know is about how hormones and neurotransmitters are part of the dance within our biochemistry that can be out of balance when we experience anxiety. One hormone is cortisol, known as the ‘stress hormone’. Produced in a diurnal (i.e. changing over a 24-hour period) rhythm, it is involved in blood sugar regulation, bone and collagen health, memory, and digestion - just a few of its’ roles. Prolonged stress leads to higher cortisol which in turn affects the body’s regulatory systems. Research has shown that lowering cortisol levels, through various methods, leads to lower anxiety. Another is serotonin, the ‘feel good’ hormone which is a common target for anti-anxiety medications. When serotonin is low, this can lead to anxiety. Estrogen is needed to transport serotonin so when estrogen is low serotonin is low. This may be one mechanism behind women experiencing a sort of menstrual anxiety when estrogen drops mid cycle and around menstruation. Dopamine, glutamine, and GABA are among other neurotransmitters with a role in the symptoms of anxiety: testosterone,

adrenaline, and progesterone some of the other hormones. The changes in our chemistry happen moment by moment. Our cells continuously respond to events in our environment and threats to our immune system. All of this happens at a cellular level in the milieu of changing nutrient status as well as toxin or pathogen exposure. A simple way to see this is with vitamin B6 which is needed to make serotonin, and GABA, the feel calm and sleep well neurotransmitter. Shortfalls in B6 can show up in anxiety as well as depression, pain and irritability. A natural approach to balance While this is by no means a complete picture of all the things to consider with anxiety, let us consider some of the nutritional and lifestyle influences. Blood sugar regulation When we eat meals high in sugar, our blood sugar rises and then falls again quickly. Dropping blood sugar levels cause the body to pump out adrenaline that tells the liver to make more blood sugar. Adrenaline makes us feel wired and on alert. If the blood sugar stays low then the body produces more cortisol – a perfect recipe for feeling anxious. Ensuring meals have some protein rich food and some healthy fat helps to regulate blood sugar, as does plenty of fibre. In terms of carbohydrates, think lots of colourful vegetables, whole grains, beans, and pulses for good blood sugar control. Vitamin D deficiency Even here in the sunny Algarve, vitamin D deficiency is fairly common. Lower levels of the sunshine vitamin are associated with anxiety – especially if blood sugar issues are also present. Getting some safe sun exposure regularly is the best way to ensure enough vitamin D. Foods rich in vitamin D include mushrooms, egg yolks and oily fish, although

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Health

history of

about something that is happening or might happen from Naturopathic Nutrition Tavira explains dietary sources are not enough without some sun exposure. Many people have genetic mutations causing poor functioning of their vitamin D receptors, so testing vitamin D levels is advisable, at least to establish your base level and see if you need supplemental support. Omega 3 Long associated with good brain and heart health a recent study pointed towards a strong correlation between anxiety and low levels of omega 3 fats in the diet. Rich sources of omega 3 fatty acids are oily fish as well as seaweeds and algae. Allergies and intolerances When we eat something to which we are allergic or intolerant the body reacts in several ways. One is to produce histamine which can make us feel anxious indeed, antihistamine medication is often useful for an anxious person. Another effect of allergies and intolerances is that our body and brain become more inflamed and an inflamed brain is an unhappy one. Toxins Mercury exposure is one example of a toxin affecting anxiety levels. It inhibits neurotransmitters such as serotonin and dopamine from binding to their sites in the brain. With their role in mood and well-being, the negative effects of mercury are easy to understand. Avoiding toxins as much as we can, as well as supporting our body in its’ own natural detoxification processes is vital for a good mood. Conclusion These are just a few of the things that may contribute to feelings of anxiety. It is not something we can just snap out of – it has a chemistry. Learning a little more about our own unique makeup, in order to make dietary and lifestyle changes can often help resolve the issues that create

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anxiety, allowing us to live with less of its psychologically and physiologically constrictive symptoms.

Carly Richards

For more information about a naturopathic approach to treatment: www.thenaturopathicnutritionist.co.uk

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Gardens Health

Sara de Melo Castanheira is an expert in Occupational Therapy and Quality of Life. She is also the Technical Director of SER Igual, an Association of special rehabilitation services in Tavira

Characteristics of a successful person

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hat comes in your mind when you think of a successful person in life? A Job of their dreams, recognition, financial stability - can these items determine the level of someones success? Are Some people determined or just meant to be successful in life? What is so special about them that makes them stand out from the crowd? Is financial stability and a great job enough for happiness and a feeling of personal and professional achievement? And what´s the definition of success? In this article I will try to clarify some of these questions for you, my dear reader, to reflect. Looking in the dictionary for the definition of success, I found that success is the “positive outcome after some attempts and efforts, be it professional, academic, or personal”, or even, “obtaining honors, money, success and wealth throughout life”. Do you agree with this definition? Well I don´t, so let me explain some characteristics of a successful person: A successful person has these three things: (a) good formulation of objectives for what they aspire to have or be; (b) a great sensorial acuity, and finally (c) mental flexibility. Considering that an effective performance to reach a goal or acquire a skill is constructed by objectives and feedbacks, the success indicator elements of its realization are: (1) a clear representation of desired goal; (2) sensory evidence that provides feedback, regarding progress towards the goal, so you can know with precision whether or not you are on the right track; (3) a variety of operations to achieve the

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goal, and behavioral flexibility is needed to implement the choices; (4) a way to respond, with efficient resources, when the goal is not being achieved. There are some basic mental questions that you should ask to be successful on the journey to your goal: (a) in what direction am I going exactly? (b) how will I know if I´m achieving my objective? (c) what images, sensations, sounds, etc., do I relate to my goal? (d) why am I going on this way? (e) how am I getting there? What exactly and specifically am I going to do? and (f) if something goes wrong, what will I do? There is a basic neurological process that we use to achieve goals and to acquire skills. This cognitive strategy is a “mental map”, used to organise actions and mobilise resources to achieve a specific result. An efficient way to address a change process is to observe the principal points of reference: actual state – the present moment and what you have now; the desired state – the future moment and what you want to have. The definition of changing points depends on accurate comparison of these two states, that will indicate the necessary adjustments, and the direction to be followed in order to achieve the desired results. The change is equal to the path from an unsatisfactory present state towards a desired state – intended result. There´s a working model, very pragmatic, that I´m going to share a little with you, so you can use to formulate your trail of success, called G.R.O.W. - (G) is for goals, (R) is for reality, (O) is for options and (W) is for what and when. So briefly, if you want to be a successful person in your personal, academic or professional life, you have to think about the

four items: 1- A goal or a dream to achieve, having in mind what is your focus and what it is you exactly want? What do you want to happen that is not happening now? 2 - What is your reality right now? Are you near or far from your goal? What is the perception that others have of you? What other factors are relevant to achieve the goal? 3 - What options do you have? - what worked for you in the past and what alternatives do you have? What can you do to change the situation and who can help you? and what are the cost-benefit of your options? 4 – What are your next steps and when are you entering into action? You have to think of what is blocking your trail, What can bring you off balance and what is it you do to overcome barriers. It was a great pleasure to share a little bit of this knowledge about neurolinguistic programming to help you, dear reader, to be a Successful person in whatever you want to achieve. Please feel welcome to make an appointment with SER Igual to have a chat about this theme or to have a therapeutic appointment. In SER Igual (@SerIgualPT; 918180020; geral@ seronline.pt) we dispose of a large range of therapeutic resources like physiotherapy from babies to seniors, occupational therapy, speech therapy, clinical psychology and therapeutic hypnoses. Please come along and visit us. Thanks for sharing your time to read my words. Stay safe and stay tuned for the article next month.

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Gardens

Christmas Herbs & spices Often very neglected the soil we use, is in essence the most important medium within the garden

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elieve it or not, in times past there were things more valuable than gold, silver, and even diamonds. They were the items people coveted, and those who could afford them really wanted -- they were spices and herbs. In the days before refrigeration and modern cookery, food was pretty bland without spices and herbs. There are many spices and herbs that are generally associated with the Christmas period that we've all heard of, but others many may not know much about. So, let's explore some of the more popular Christmas Time herbs. In traditional Christmas stories and songs, especially those revolving around the birth of Christ, you hear a lot about frankincense

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and myrrh. How many of us can raise their hand and actually say what they were? Even better, how many of us can say where they came from? Well, frankincense and myrrh are both dried tree sap resins, meaning that they come from trees whose common names are frankincense and myrrh. Frankincense is genus and myrrh is Commiphora. They were considered so valuable that they were taxed at each place they passed through. The clearer and darker the resins, the higher the quality and price they fetched. By the time they reached Jerusalem, only the kings could afford them. CINNAMON The spice, cinnamon comes for the bark of a tree and it is probably one of the oldest known

spices used by man, since it is known to date back to 4000 B.C.As a medical herb, it is used with digestion and the spice is antiseptic. It is now thought to lower blood pressure. CLOVE Look at the head of a nail, and you'll see the reason why the name of this herb evolved. The word clove comes from the Latin word clavus, meaning nail. the shaft and head of the clove bud looks like a nail. In the 16th and 17th centuries, cloves were one of the most precious spices of Europe and they were worth more than gold. The primary uses of cloves in herbal medicine are to relieve nausea and vomiting. It is also used to treat flatulence. Before the invention of Novocain in dentistry, cloves were given for tooth aches.

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FENNEL Fennel, the perennial variety with the yellow flowers, has majestic feathery leaves. It originates from the Mediterranean, but can be found growing throughout much of the world. It is very pungent, fragrant, and has a wide variety of uses. It is an invasive species in both the U.S. and Australia. Fennel seeds are ancient medicinal remedies, when it comes to digestion and hunger. Starving Puritans would chew on them during religious fasting to keep from growing hungry. Some cultures chew on them to relieve the feeling of being over-fed. Ancient Romans chewed on the stalks because they believed it would keep them from becoming fat. GINGER Ginger is a favourite medicinal herb and spice used not only for cooking -- but to aid digestion and treat stomach upsets, diarrhoea, and nausea for thousands of years. Thanks to popular children's literature, Christmas wouldn't be Christmas without ginger, gingerbread biscuits, and gingerbread houses. LAVENDER Just about everybody loves the scent of lavender. It's said that it must have been present with Adam and Eve in the Garden of Eden. In medieval times, lavender was considered a holy safeguard against evil. The

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myth was in many Christian homes, which a cross of lavender hung over any door, offered protection from evil. MINT Mint, which is actually Minthe -- is a sweet scented herb that contains menthol, which is what gives it the unique quality of being a known aid to digestion. Crushed mint leaves are one of life's treasures to smell. Mint’s true name is Mentha. This hearty aromatic perennial is probably one of the most easily recognized herbs, just for its aroma. It grows best in wet areas and can be considered to be invasive. MISTLETOE Mention mistletoe and it brings smiles and warm memories of being caught under the mistletoe for a stolen kiss. The tradition of hanging sprigs of this herb as an emblem of love and good fortune goes way back before 200 B.C. It's not known exactly why or when the tradition of kissing under the mistletoe started, but it is generally accepted that it was in the 16th century, possibly in England. ROSEMARY In terms of Christmas legends, rosemary has a special place. The flowers of rosemary were supposedly white, but it's said that after Mary laid her blue cloak upon the branches of a rosemary bush, the flowers took on the blue colour of her garment. Therefore,

according to folklore, rosemary was said to bring happiness for anyone who smelled it on Christmas Eve. SAGE Sage is a common meat rub herb that started its herbal career as a healing herb that was thought to have cured everything from snake bites, eye problems, infections, epilepsy, intoxication, memory loss, worms, and intestinal problems. The truth is that it is a good food preservative. THYME Today, aside from being a common herb for roasting meat, it is also used in dried flower arrangements, bouquets, and potpourri. Many people would identify thyme as a kitchen herb used in roasting, especially with holiday meals. NUTMEG Nutmeg may not look the most interesting of spices but it has been used for everything from embalming Ancient Egyptians; a treatment for piles in the Middle Ages to being a wellknown alternative to marijuana. Natives of the Banda Islands, Indonesia rub nutmeg oil on the stomach as a treatment to flu and also rub it onto the forehead to treat headaches. It would seem the reason so many of these herbs and spices appear in the foods we eat at Christmas is due to the fact they are all associated with treating colds and flu.

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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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BREXIT: F.A.Q's

uring the whole year, many clients have enquired about the impact of Brexit on their taxes. This has been by far the most trending topic, with Residency and the Non Habitual Residency tax status also on the top of the list of enquiries. In fact we’ve noticed this year that a lot of British have considered the possibility of relocating to Portugal prior to Brexit. Covid 19 also showed that people can work from anywhere and Portugal is surely one of the best places in the world to be working from. Below you can find the most common questions we have received. If you also have some questions regarding tax in Portugal, please feel free to send it to us.

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I am a British citizen with Portuguese tax number, and I have my address (tax domicile) in Portugal. After Brexit, do I have to comply with any tax obligations or change my register? No, Brexit will not have any impact on your personal circumstances. I am a British citizen with Portuguese tax number, and I have my tax address in the UK. After Brexit, am I required to appoint a tax representative? Yes. The designation of a fiscal representative is mandatory for citizens residing abroad, more precisely in a third country, outside the EU or the European Economic Area. I am a British pensioner residing in Portugal. How should I proceed with the payment of my taxes? Brexit will not have any impact on this situation. If you are resident in Portugal you must declare your worldwide income here. Public pensions will be declared but continue to be taxed in the country of source. Private pensions will be declared and taxed in Portugal (the country of residency) as per the existing Double Tax Agreement. In the case of a taxpayer covered by the NonHabitual Residents' Status and in the case of pension income, the taxpayer may choose the exemption method, or to be taxed at 10% (for all those becoming residents after 01-04-2020). I am a UK citizen currently working from London but I am considering relocating and working from Portugal. Would you be able to advise us on the procedures required to establish NHR in Portugal? Are there certain steps we need to take in a particular order, before we complete the process? The first step is to obtain the NIF (fiscal number) in Portugal. As currently most of the tax offices are closed due to Covid19, you need to book

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an appointment with the tax authorities through the finance portal. If you prefer, we can do this on your behalf as part of the process. To issue the NIFs you need to provide copy of your i.d. or passports and a utility bill or driving license with your current address. This will be from your foreign address. Once you get the NIF’s the following step is to become resident, as you are EU citizen, you can get the residency through the local council. Once you have the EU residency certificate, you then need to change the tax status, again through the tax office and finally apply for the NHR status. In terms of residency in Portugal, do I need to purchase a property, or can I rent? How long a rental would be required by the authorities in order to establish our intention to stay long-term in Portugal ? We intend to stay long-term but wish to rent before possibly buying. Providing you have a registered rental contract (not Air BnB or similar), the contract will allow you to obtain residency. Please note that the residency requirements may change slightly from council to council, in some cases you don't require a rental contract. I have had a temporary residency certificate since April 2019, but I have never changed my tax residency to Portugal. Do I need to do anything after Brexit? Once you get the EU Residency Certificate, you are in fact taking residency here, not temporarily, it is full residency. Therefore, you should also change your tax status to a Portuguese Tax Resident. This is not done automatically as the system that issues the residency permits at the local councils is not yet linked with the tax system, however any taxpayer has 60 days to inform the tax authorities of the place where they normally live, this will be their tax address. I will continue to work from my home Portugal for my current employer in the UK. What is the tax under the NHR rules on my salary? If you can get the income as salary and it’s from an high value activity, this income would be either free of tax if you pay any tax at source, or taxed at 20%, if not taxed at source. This is a privilege of the NHR status that you can take advantage of. There is a list of activities on the non-habitual residency regime, that allow you to be taxed at a flat rate of 20% on the earnings from this activity. This applies to income from employment (category A) and income from self-employment (category B). The same 20% tax rate may also apply in certain cases for the profit of your

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Portuguese registered company invoicing your clients in the UK. Please note that even if you remain on the payroll of your current company, as the job is done in Portugal the company may have to pay your Social Security here. If you are self-employed the Social Security is also your responsibility, but you may have a one year exemption after registration. After applying for NHR status must I change my driving license for a Portuguese license? Yes, after residency you should contact the relevant authorities to either exchange your driving license to a Portuguese one, or at least register your foreign driving license with the relevant authorities. Once I become resident in Portugal how do I register with the National Health System? Do I need a private medical insurance to live in Portugal? The only requirement to obtain state health care in Portugal is residency. You do not require private health insurance. To be registered with the National Health System, you should go to the health centre of your area with your i.d., fiscal number and residency certificate. No registration with the social security is required. What happens to my residency permit after Brexit? You will be covered under the withdrawal agreement if you live in Portugal prior to 1 January 2021 and continue to do so afterwards. As Portugal has chosen a declaratory system for residency, this means that in 2021 UK nationals will be required to exchange their residency documentation for a biometric card. This biometric card will state the holder is covered by the Withdrawal Agreement. UK nationals in Portugal are required to register for residency and have the appropriate documentation. If you have not registered for residency prior to the end of December 2020, the EU country you reside in may not consider you for it. However, Portugal have stated those that arrive prior to 1 January 2021 may register for residency under EU citizenship rules, until 30 June 2021. Those who arrive after the 31 December 2020 will have to apply for residency under the more stringent third country national rules. Applying means it can be refused, whereas if all requirements are in place for EU residency it is automatically given. Also, it means going through the immigration office (SEF) where an appointment is currently in many cases, taking months to be scheduled. Please feel free to send us the questions you may have to ricardo@allfinance.pt. We will select some of these to be published.

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ACCOUNTANCY TAX ADVICE FISCAL REPRESENTATION www.eastalgarvemag.com

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Expert financial advice By Andy Oliver, CEO of Private Client Consultancy

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Family & Wealth Preservation

s 2020 comes to a close, I believe we can agree with absolute certainty all round, that it has been a year we will never forget. A year that caught many off guard leaving them feeling vulnerable and uncertain about the future. And because of this, we began to give serious time and thought to how we, as individuals, can make positive changes right now, today… and for all of our tomorrows. It’s also safe to say that no matter what, we still aspire to achieve a long and financially comfortable retirement. Recent world situations showed us just how unprepared many of us were when a crisis hit, and while retirement may still seem a long way off for many of us, it can roll around a lot quicker than anticipated. Because of this, the question we must ask ourself is… – “Am I financially preparing enough ‘today’ for my family’s future?” However you may have accumulated the wealth you have, be it earned, inherited or you’ve simply made some really great investments that paid off… the most important thing you will want to ensure is, that as little of it as possible ends up in the hands of Senor Taxman. Your money should be enjoyed to the absolute fullest by you and your family - not him. Without an appropriate plan set in place for the distribution of your estate when you pass away, your beneficiaries may end up spending a substantial amount of time and money battling unnecessarily over your

assets – and this is because no one can really be sure of how you were planning to distribute your wealth. This means that the process of dividing up your assets could become extremely complicated. Estate planning is a fundamental part of financial planning which gives you control over what happens to your assets when you pass away, no matter how much wealth you have accumulated. Not only does an estate plan help to ensure that those who are important to you will be taken care of when you’re no longer around, but it can also help ensure that assets are transferred in an orderly manner, and that Inheritance Tax liabilities are minimised. One of the most important components of an estate plan is a Will. First and foremost, a Will puts you in control. You choose who will benefit from your estate and what they are entitled to. The law (without a Will in place) sets a hierarchy of who is able to handle your financial affairs after death, and that can lead to problems if the person is not suitable because of age, health, geographical location, or any other reason that may be applicable. Developing a clear plan that details how you would like all of your wealth and property to be distributed after your death involves putting documentation in place to ensure that your assets are transferred in line with your wishes. Your estate consists of everything you own. This includes savings, investments, pensions, property, life insurance and personal possessions. Debts and liabilities are subtracted from the total value of all assets.

"the most important thing you will want to ensure is, that as little of it as possible ends up in the hands of Senor Taxman".

Once the Will and the Lasting Power of Attorney are sorted, the next step to think about is Inheritance Tax planning. That’s because, whenever someone dies, the value of their estate may become liable for Inheritance Tax. If you are domiciled in the UK, your estate includes everything you own, including your home and certain trusts in which you may have an interest. Inheritance Tax is potentially charged at a rate of 40% on the value of everything you own above the Nil-Rate Band (NRB) threshold. The Nil-Rate Band is the value of your estate that is not chargeable to UK Inheritance Tax. And then there’s ‘Gift’ assets to make use of while you’re alive - The amount is set by the Government and is currently £325,000, which is frozen until 2021. In addition, since 6 April 2017, if you leave your home to direct lineal descendants, the value of your estate before tax is paid, will increase with the addition of the Residence Nil-Rate Band (RNRB). For the 2020/21 tax year, the Residence Nil-Rate Band is £175,000. Saving for retirement is a continuous process and it’s easy to fall off track if you don’t have a structured plan in place. It can also be difficult to balance your retirement savings alongside your other goals, whether that be, buying a house, or sending your children to university. We will work to understand your objectives and then show you the best way to achieve them without jeopardising your retirement. Whether retirement for you is tomorrow, next year, or nowhere near that – we can help you solidify your financial goals and future right now. Get in touch with us TODAY to book your complimentary consultation. Visit us at Pccwealth.com or send an email to info@pccwealth.com Wishing you all a Happy Christmas and a prosperous New Year.

INVESTORS WANTED We are looking for serious investors interested in a 20% ROI. The project in the East Algarve is 90% complete! Invest anything from 10,000 euros upwards. Contact richibass@hotmail.co.uk for more information 46

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One One Goal One Purpose OneGoal Goal---One OnePurpose Purpose “I“I“Iam am extremely proud totoannounce announce the formation ofofPrivate Private Client Consultancy amextremely extremelyproud proudto announcethe theformation formationof PrivateClient ClientConsultancy Consultancy Wealth Wealth Management and my transition after 17 successful years working with WealthManagement Managementand andmy mytransition transitionafter after17 17successful successfulyears yearsworking workingwith with deVere deVere Spain. deVereSpain. Spain. InInInaaachanging changing business landscape, with shifting client expectations, increasing changingbusiness businesslandscape, landscape,with withshifting shiftingclient clientexpectations, expectations,increasing increasing regulatory and compliance requirements, and rising costs; there’s aagrowing need regulatory and compliance requirements, and rising costs; there’s need regulatory and compliance requirements, and rising costs; there’s agrowing growing need for for smaller IFAs totojoin join professional network that can help them manage and forsmaller smallerIFAs IFAsto joinaaaprofessional professionalnetwork networkthat thatcan canhelp helpthem themmanage manageand and reduce the burden. Private Client Consultancy isisis that network. IFAs can now focus reduce the burden. Private Client Consultancy that network. IFAs can now focus reduce the burden. Private Client Consultancy that network. IFAs can now focus on on helping their clients achieve great outcomes whilst we atatPCC PCC manage the onhelping helpingtheir theirclients clientsachieve achievegreat greatoutcomes outcomeswhilst whilstwe weat PCCmanage managethe the necessary paperwork, which will empower them to expand their business as they necessary paperwork, which will empower them toto expand their business asas they necessary paperwork, which will empower them expand their business they see see fit. seefit. fit. PCC PCC B2B service provider for IFAs that takes care ofofcustomer customer relationship PCCisisisaaaB2B B2Bservice serviceprovider providerfor forIFAs IFAsthat thattakes takescare careof customerrelationship relationship management, management, products, and services through alliances with major financial management,products, products,and andservices servicesthrough throughalliances allianceswith withmajor majorfinancial financial institutions, institutions, compliance, marketing, and public relations. This the network for institutions,compliance, compliance,marketing, marketing,and andpublic publicrelations. relations.This Thisisisisthe thenetwork networkfor for those IFAs and brokers who have become disenfranchised with their network those IFAs and brokers who have become disenfranchised with their network those IFAs and brokers who have become disenfranchised with their network provider provider ororthose those who simply want totoset set up by themselves but are struggling provideror thosewho whosimply simplywant wantto setup upby bythemselves themselvesbut butare arestruggling struggling with with license regulatory demands. All stakeholders can benefit from the network: withlicense licenseregulatory regulatorydemands. demands.All Allstakeholders stakeholderscan canbenefit benefitfrom fromthe thenetwork: network: more more clients and smaller IFAs get the protection ofofbeing being backed by deVere, asas moreclients clientsand andsmaller smallerIFAs IFAsget getthe theprotection protectionof beingbacked backedby bydeVere, deVere,as PCC ”” ” PCC will use deVere Spain’s license and will initially, operate across Europe. PCCwill willuse usedeVere deVereSpain’s Spain’slicense licenseand andwill willinitially, initially,operate operateacross acrossEurope. Europe. CEO CEO and Founder, Andy Oliver CEOand andFounder, Founder,Andy AndyOliver Oliver

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Christmas in Tavira

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Sport

Caring for your 'own' course Five ways you can help keep it in good condition. By Peter Ibbs

“I

f you wish to hide your character, do not play golf.” Percey Boomer R & A Rules of Golf 1.2 Standards of Player Conduct A Conduct Expected of All

Players All players are expected to play in the spirit of the game by: • Acting with integrity – for example, by following the Rules, applying all penalties, and being honest in all aspects of play. • Showing consideration to others – for example, by playing at a prompt pace, looking out for the safety of others, and not distracting the play of another player. • Taking good care of the course – for example, by replacing divots, smoothing bunkers, repairing ball-marks, and not causing unnecessary damage to the course. If you were the owner of the golf course you play on, would you take better care of it? As club members and visitors, it is important to do our part to care for the courses we play on and contributing to course care is especially important this year. Many golf course managers have been operating with reduced budgets and fewer staff members due to the COVID-19 pandemic. So their focus has been on critical tasks, like mowing and other important maintenance tasks deferred or eliminated. Courses will play catch-up for some time and doing what we can to keep the courses in good shape will help maintenance teams focus on the most vital tasks. Some extra effort on our part might also make a big impact on playing conditions because some of the routine repairs we have taken for granted by maintenance staff may not happen for a while. Here are five ways golfers can help care for the course during this challenging season:

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1

Repair ball marks Repairing ball marks is something we should always be doing. Unfortunately, maintenance teams often spend a significant amount of time each year fixing unrepaired ball marks so they don’t negatively impact condition of the greens. This year, the last thing maintenance teams need to be doing is a job we can do ourselves. If you repair your ball mark and a couple of others with the correct technique, (if you are not sure how to do this check out YouTube, Fore The Golfer: How to Repair Ball Marks). Ball marks left unrepaired can impact ball roll and putting green health for weeks. It is very time consuming and expensive for green keepers to find and repair every ball mark and easy for us to do each time we walk on to a green. Repair your divots Repairing divots correctly is another easy way to make a difference this year. An unrepaired divot can take months to heal (if they ever fully heal at all), creating unsightly and unfavourable playing conditions. Maintenance teams may not have the resources to fix all the unrepaired divots, and the scars can be long lasting. This leaves the risk of a bad lie in the fairway for you and your fellow golfers. Repairing divots correctly, along with a few others for good measure, will go a long way toward keeping fairways smooth this year and every year. Again if you are not sure how to do this, check out an appropriate YouTube video. Follow cart rules We all know that golf carts can cause damage to the course if they are not used properly, if weather conditions or cart traffic is heavy. This year there has been added pressure with the single rider policy enacted at many courses. You might expect more cart

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restrictions this winter as courses try to limit the damage. There is no free relief from tyre tracks, made by golf carts, the ball must be played as it lies (Rule 8). Following the rules and keeping carts on paths as much as possible will make a difference to the course. If you can walk more often this winter, that will help too as well as your own fitness levels. Smooth the sand Bunker conditions may be a little rougher than what many of us have become accustomed to. Many courses have removed rakes to reduce Covid 19, touch points and maintenance teams may not have the same amount of time to spend on bunkers as they have in the past. A bad lie in a bunker is not the end of the world but, do your best to smooth footprints and other disturbances with a club or our feet. It is not the ideal way to smooth bunker sand and some golfers I know even carry their own rake! Unless there is a local rule in place, the ball must be played as it lies. Adjust our expectations Many golf courses have started this season behind schedule. Due to staffing and budget challenges, important practices like aeration and topdressing had to be scaled back or postponed. Heights of cut were raised to reduce mowing requirements and countless detail-oriented tasks had to be skipped entirely. One of the best ways to help golf courses through this difficult time is by being more understanding about course conditions and playing our part in taking good care of our golf courses. Perhaps this year is a reminder that being out there and being able to play the game we love is something to celebrate. Stay safe, great golfing on great courses, keep them great, be of good character.

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East Algarve’s fundraising footballers! As Vaughan Willmore explains, walking football in the eastern Algarve continues to thrive and raise much needed funds for local causes.

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espite the obvious challenges of the last year walking football and now regular (running) football continues to flourish, with this year seeing the formation of East Algarve Football Club and a real drive to support local charities and good causes. Organiser Jonathan Syed explains “There’s been a lot going on this year. We are now playing four days a week at the Estádio José Arcanjo in Olhão, closely observing all health guidelines when doing so. In addition to walking football, we now have a regular (running) football team with both merging under the banner of East Algarve Football Club. Most important of all, we've been conscious of the many challenges the pandemic has presented, so we’ve really stepped up our fundraising activities which has enabled us to support a whole range of good causes”. Walking footballer Nobby Clark explains “Already this year we’ve made a donation to

the Centro de Saude in Tavira of equipment for diabetic children and throughout lockdown there were food collections and deliveries in both Tavira and Olhão and pretty much everywhere else in-between! Since then, funds have been raised to sponsor two disabled children with horse riding therapy and we are also paying the printing costs for recipe books that will be sold to raise funds for the Bombeiros. We’re also making arrangements for more items of diabetic equipment to be delivered to the Cento de Saude in Olhão. Looking forward to Christmas, we're supporting 2nd Chance Tavira by donating €500 euros for an older people’s Christmas dinner in Santo Estaevo and we’ve set aside another €1,000 for food for families in need". Jonathan explained that “Our support for local causes has been boosted by a change to how our members pay, with a third of all monies collected from every football session going into our fundraising fund. So, the next

time you see us traipsing across the pitches of the Algarve, bear in mind we’re doing it all for a good cause!” Walking football takes place 09.30 on a Monday and Thursday for Over 50s, and Wednesdays for Over 60s. The normal (running) football sessions are on a Tuesday and the club is particularly keen to attract new members of 35 years and upwards. If you have any thoughts regarding which charities would welcome support, then club representatives will be delighted to hear from you and can be contacted at https://walkingfootballalgarve.com/ In addition to walking football, we now have a regular (running) football team with both merging under the banner of East Algarve Football Club - Jonathan Syed Conscious of the many challenges the pandemic has presented, we’ve really stepped up our fundraising activities - Jonathan Syed

E-mail: rest.pontoencontro@gmail.com Tel.: +351 281 32 37 30 Facebook: www.facebook.com/pontodeencontro.tavira Instagram: https://www.instagram.com/pontodeencontro.tavira Address: Praça Dr. António Padinha 39, 8800-637 Tavira (Bishop’s Square)

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