Feb16 East Algarve Magazine

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

PLACES

Monumentos.

GOLF TIP

From professional Bradley Dye.

February 2016 €1 from agents

The Best Guide to the Eastern

Algarve!

PLACES

Asian Temple Wok restaurant.

GARDENING

Camellia in the Algarve.

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Welcome...

EastAlgarve M

... to our biggest issue yet. This month we introduce you to the 'colourful' world of Marco Conceição, creator of Monumentos, a wierd and wonderful world made up of his sculptures depicting Portugal's history, myths and legends. We meet Monte Rei's new chef, Albano Laurenço who we were lucky enough to meet and sample some of his wonderful new creations, and as it's Carnival season we take a look at the history of Carnival in Portugal. We visit restaurant Asian Temple Wok in Tavira's Gran Plaza, and last but not least, introduce to you night golf, and a brand new numbers and words puzzle... believe me, it's a tough one!

Our regular features include a golf tip from Monte Rei's professional Bradley Dye, Mark O'Shaughnessy tells us about growing Camellia in the Algarve, plus the latest finance news from Blevins Franks, currency news from PremierFx and property news from Robert Bijker, Land and Houses. We hope you enjoy this issue.

Editor

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

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

COVER PHOTO Richard Bassett.

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

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

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Contents

5 6 7 8 10 12 16 20 24 26 32 36 37 38 42 44 46 48 50

NOTICE BOARD Your messages.

NEWS

Local news.

WHAT’S ON

Monthly market guide.

HEALTH

Disorders of the Jaw.

PLACES

Restaurant Asian Temple Wok.

CARNIVAL

The history behind Portugal's Carnival.

FINE DINING

Monte Rei's Master Chef.

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PUZZLES

Try out our numbers & words puzzle.

PROPERTY Interest rates.

PROPERTY

Property of the month.

GARDENING

Camellia in the Algarve.

FINANCE

News from Blevins Franks.

CURRENCY ADVICE From Premier Fx.

FINANCE

Finance news from Ricardo Chaves.

PEOPLE

Meet Marco from Momentos.

SKATE PARK

Olhao's brand new facility opened.

SPORT

The latest from Chris Wright.

SPORT

Pro Tip from Bradley Dye.

CLASSIFIEDS Grab a local bargain.

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News

he Golf club of Tavira presented the ASSOCIAÇÃO G.A.T.O. with a cheque for €1500, and the ASSOCIAÇÃO UMA PORTA AMIGA a cheque for €6000 who will spend the money on a tractor to help their farm growing vegetables. The presentation took place at Benamor Golf after a charity tournament. The money was raised throughout 2015, by raffles and donations. Benamor Golf also collect food items for the ASSOCIAÇÃO UMA PORTA AMIGA. Any spare items of food can be left in a special box located outside the changing rooms. The items are collected weekly and are much appreciated by this very worthy charity.

VRSA offers shopping discounts on ‘White Sundays’

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new initiative will see shops in Vila Real de Santo António’s historic centre offering discounts on the last Sunday of every month.

The scheme entitled ‘White Sunday’ is inspired by the American ‘Black Friday’ sales idea.

Mayor Luís Gomes sees it as a “unique opportunity to promote the town and its historic centre as it will have a beneficial snowball effect on the economy”.

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He added the plan has Spanish tourists in mind - as the town is popular for weekend excursions – and complements the town’s bid for UNESCO recognition.

VRSA’s first ‘White Sunday’ was held on January 30 and hopes were for “around 1,500 people”.

White props will be used to identify the shops taking part.

Opening hours will run from 10.30am to 6pm.

São Brás introduces disabled-friendly pavements

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network of pavements specially designed for people with disabilities and mobility problems was officially launched in São Brás on Wednesday morning (January 6).

Running 5kms along many of the town’s major roads, the €317,000 network links to the sports centre, local schools, Jardim da Verbena, Parque da Vila and Praça da República.

“The network has made many areas in the town centre more accessible to people with mobility problems, making it safer and more comfortable for them,” said the council, adding that the project is “an important step towards creating a truly inclusive municipality, where everyone can live with equal opportunities, dignity and quality of life”.

Ana Sofia Antunes, Portugal’s new Secretary of State for People with Disabilities, attended the ceremony and also considered it a “defining moment” to make São Brás “barrierfree”. “(The network) is vital for disabled people but also fundamental for everyone else, as anyone may face (mobility) problems in their life, even if temporarily,” the secretary of state, who is blind, added.

Jorge Botelho, mayor of Tavira and president of the Algarve Municipalities Association (AMAL), also attended the network’s inauguration.

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Source: portugalresident.com

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Tavira golf club donates!

What's on

What's on this Month

“U

CARNIVAL

nforgettable political satire” is what organisers promise for this year’s carnival festivities in Loulé - to be held on February 6, 7 and 9 along the town’s Avenida José da Costa Mealha.

Entitled ‘The Great Shipwreck’, the event’s theme will be “piracy” and feature 14 floats and around 700 papier-mâché figures depicting António Costa, Catarina Martins, Jerónimo de Sousa and president Marcelo Rebelo de Sousa and Maria de Belém.

Football star Cristiano Ronaldo and Portugal manager Fernando Santos will also be ‘leading’ their own floats, as well as Captain Passos ‘Hook’ Coelho, “who for four years was the terror of the sea and is now adrift”.

The carnival parade will also feature samba dancing inspired by Brazilian Carnaval traditions.

Anyone interested in dressing up for the occasion can rent a costume

Things not to miss this February.

from the ‘Loja de Carnaval’ on Praça da República starting January 22.

Local schools will be hosting their own parade on February 5, with around 3,000 children expected to take part.

Loulé’s carnival festivities are said to be “the oldest in Portugal” and will this year celebrate their 110th anniversary.

Tickets to the event cost €2, with part of the proceeds going to local charities.

Also enjoy the festivities in São Brás, Av. da Liberdade, February 7, 15h00.

CLASSIC CAR SHOW

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intage car exhibition in Vila Real de Santo Antonio.

In the Marquês de Pombal square, 28/02 at 09h30 -

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For further informatio see www.cmvrsa.pt

DAYS TO REMEMBER IN 2016

Here’s your handy cut out & keep guide to the 2016 bank holidays and important days to remember, with compliments of the East Algarve magazine.

Jan 1 Fri............. New Year's Day Feb 9 Tues.......... Carnival/Shrove Tuesday Mar 20 Sun........ March equinox Mar 25 Fri.......... Good Friday Mar 27 Sun........ Easter Day Mar 27 Sun........ Daylight Saving Time starts Apr 25 Mon........ Liberty Day May 1 Sun.......... Labor Day / May Day Jun 10 Fri.......... Portugal Day

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National holiday Optional Holiday Season National holiday National holiday Clock change National holiday National holiday National holiday

Jun 20 Mon........ June Solstice Aug 15 Mon........ Assumption of Mary Sep 22 Thur........ September equinox Oct 30 Sun......... Daylight Saving Time ends Dec 8 Thur.......... Immaculate Conception Dec 21 Wed........ December Solstice Dec 24 Sat......... Christmas Eve Dec 25 Sun......... Christmas Day Dec 31 Sat......... New Year's Eve

Season National holiday Season Clock change National holiday Season Observance National holiday Observance

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Health

Joint Disorders of the jaw Duarte Arrais explains the symptoms and causes of Temporomandibular Joint Disorders (TMD, TMJ)

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our temporomandibular joint is a hinge that connects your jaw to the temporal bones of your skull, which are in front of each ear. It lets you move your jaw up and down and side to side, so you can talk, chew, and yawn.

Problems with your jaw and the muscles in your face that control it are known as temporomandibular

disorders (TMD). But you may hear it wrongly called TMJ, after the joint.

WHAT CAUSES TMD? We don’t know what causes TMD. Dentists believe symptoms arise from problems with the muscles of your jaw or with the parts of the joint itself.

Injury to your jaw, the joint, or the muscles of your head and neck like a heavy blow or whiplash, can lead to TMD. Other causes include:

Grinding or clenching your teeth, which puts a lot of pressure on the joint.

Movement of the soft cushion or disc between the ball and socket of the joint.

Arthritis in the joint.

Stress, which can cause you to tighten facial and jaw muscles or clench the teeth.

WHAT ARE THE SYMPTOMS?

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TMD often causes severe pain and discomfort. It can be temporary or last many years. It might affect one or both sides of your face.

More women than men have it, and it’s most common among people between the ages of 20 and 40.

Common symptoms include: Pain or tenderness in your face, jaw joint area, neck and shoulders, and in or around the ear when you chew, speak, or open your mouth wide Problems when you try to open your mouth wide.

Jaws that get "stuck" or "lock" in the open- or closed-mouth position Clicking, popping, or grating sounds in the jaw joint when you open or close your mouth or chew. This may or may not be painful.

A tired feeling in your face.

Trouble chewing or a sudden uncomfortable bite -- as if the upper and lower teeth are not fitting together properly.

Swelling on the side of your face.

You may also have toothaches, headaches, neck aches, dizziness, earaches, hearing problems, upper shoulder pain, and ringing in the ears (tinnitus).

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Dining

Asian

Offering an amazing choice at tremendous value for money, Asian Temple Wok also offers your choice of freshly cooked food delivered straight to your table!

Temple Wok Full Buffett only €9,95 (Excluding drinks).

Other menu options available.

Opening times: 11.30 am – 10pm Friday and Saturday till 11pm

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avira’s finest “from the wok” and palatial buffet restaurant Asian Temple Wok opened in April 2015 in the Grand Plaza shopping center.

The very welcoming Proprietor and General Manager Jaime was born in Marrakesh and grew up in Barcelona. After spending many years in China for business and specialising in opening new restaurants, he returned to Spain and embarked on a large project of overseeing the introduction of sushi bars throughout the Continente stores, responsible for the Catalonia area. He has already opened the sister restaurant “Dim Sum” in Huelva, Spain and now the splendid “Asian Temple Wok” here in Tavira.

“Choice and freshness are paramount

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Facebook 'asian temple wok' Telephone 965 295 974 and dishes change to add variety for our clients”, Jaime explained.

A mouth watering array of soup, cold buffet salad, exquisite sushi, fresh prepared hot dishes, together with a fantastic choice of “cooked to order” food, as well as an inviting array of sweets, with the centre piece chocolate fountain, awaits you. Chef Tong, from south China together with the delightful waiter and waitress, Sanzy and Besma ensure you are well taken care of.

The choice is fantastic, from hot and sour soup, succulent sushi with ginger and wasabi, tuna and potato, or octopus salad, with a choice of special fried rice, rice noodles with beef, pork and chicken speciality dishes. A particular favourite is the Peking Duck; or why not try chicken,

prawns, razor clams or salmon, with oyster mushrooms and peppers freshly cooked with or without spice straight from the wok or grill by Chef Tong. Finish with fresh fruit, heavenly cakes, profiteroles, ice cream, jelly or pancakes with chocolate.

Children are catered for with a choice of battered chicken and hot dishes, plus of course chips! For Vegetarians there is a choice from the buffet or dishes can be requested and made in minutes!

This really is a buffet with a difference with an amazing choice, all freshly prepared, fabulous fresh food ready instantly or cooked to order. Try Asian Temple Wok, you won’t be disappointed. Many thanks to Jaime we wish him very much continued success.

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Fabric

Straight from the Wok or Grill to your table!

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Carnival

CARN The festive season of Carnival starts this month with celebrations throughout Portugal. Here's your guide through some of the country’s traditions and most popular celebrations.

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NIV AL T

Carnival

he popular Portuguese saying “É Carnaval, ninguém leva a mal!”. , which roughly means “It’s Carnival, nobody will be offended!“, expresses the feeling of unrestrained freedom that takes over the country during the festive season of Carnival. Nowadays Carnival in Portugal is usually associated with street celebrations and parties, with costumes and bright colours, with parades where revellers in skimpy costumes with feathers and sequins dance to the sound of the exotic rhythms of Brazilian samba. Yet pockets of traditional Portuguese celebrations still survive across the country, where political satire rules the street parades, and where the influence of Brazil’s exuberant traditions are kept to a minimum.

Carnival takes place in the week before Lent – the penitential preparation for Easter, representing the forty days Jesus Christ fasted in the desert. Lent is associated with the idea of sacrifice and repentance, such as fasting or giving up on something, and has thus been traditionally preceded by a week of over-indulgence and celebration that culminates in Mardi Gras, or Fat Tuesday. However, the hypothesis of a pagan source is nowadays admitted by several scholars, as the Roman celebrations of Saturnalia and Bacchanalia may have been adapted to the Christian celebrations that followed.

The earliest record of the celebration of Carnival comes from medieval Italy, where the Carnival in Venice became the most sophisticated and well known of the region’s celebrations in the run-up to Lent.

With its origins in the 13th century, the celebrations soon became associated with the use of masks, which enabled revellers to hide their identity while indulging in unrestricted behaviour. The use of these distinctive and refined Venetian masks is still a reference today, distinguishing it from other Carnival celebrations around the world.

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As for Portugal, celebrations have been heavily influenced by the Brazilian Carnival over the last few decades – and more specifically by the samba parades held in Rio de Janeiro. The country has, however, a long tradition in celebrating the festive season that dates back to pagan times. In fact, most of Portugal’s celebrations still reflect this influence to some degree, as the foliões – as revellers are known in Portugal – dress up in their costumes and pour into the streets.

The city of Torres Vedras is commonly viewed as having the

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most ‘traditional of all Carnivals’ in Portugal. Apart from its parade floats (known in Portugal as carros alegóricos – allegorical cars), which commonly depict satirical scenes of a political and social nature, the torriense Carnival is known for its matrafonas - men masqueraded as women -, and its cabeçudos – figures parading with giant-sized heads made from paper pulp -, and is very popular. You can expect thousands of revellers getting well into the spirit of things and joining the celebrations, wearing all sorts of costumes and disguises. This

Carnival even has a Real Confraria, a confraternity created specifically to organise the Carnival of Torres Vedras and promote several initiatives for the advancement of Carnival culture.

Leaving Torres Vedras behind, there are other curious Carnival traditions in the country which are worthy of interest. One of these is the ancient tradition of the Caretos, celebrated in the small village of Podence, near Bragança, in the northern region of Trás-os-Montes. Commonly held as having its roots in Celtic times, with links to agrarian fertility cults, the

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tradition is based on the figures of the caretos – young men who parade through the village wearing masks and dressed in striped, multilayered woollen suits made of differentcoloured fringes in red, white and green. They wear belts with rattles around their waists and carry a stick or a cudgel which they brandish while running amok through the village, scaring the other villagers while playfully targeting the young maidens.

Another peculiar tradition can be seen in the northern city of Ovar, where Carnival celebrations in

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the 1950s developed into what became known as the “Carnaval sujo” (dirty Carnival). This was a feast of excess, which involved an all-out battle between the town’s revellers who spent one hour (kept by the church bells and the fire station klaxon) literally bombing each other from cars and trucks with dirt, liquids, powders – from flour to pigments and coal – and all sorts of other stuff. The result was a big mess that littered the centre of town and caused a great number of injuries. The excessive nature of the celebration eventually led to its

suppression, and the local Carnival then took a turn towards a more organised event featuring parades and floats and people in costumes during Domingo Gordo (literally Fat Sunday – Shrove Sunday) and Terça-feira Gorda (Fat Tuesday – Shrove Tuesday or Mardi Gras). In more recent years the Ovar Carnival has been permeated by Brazilian influences, with samba parades, but it still features its “Noite Mágica” (or Magic Night), on Monday evening, where people crowd the streets in their disguises and join a playful parade.

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onte Rei is of course best known for what is now one of the best ten golf courses in Europe, a deserving and splendid achievement. For anyone lucky enough to have played the course, there is no doubt it is worthy of this fabulous accolade, set in a location that could win a separate award for natural beauty.

Albano Manuel Ribeiro Lourenรงo is their recently appointed Michelin star chef. We met with him to get an insight into his fabulous vision for the Grill and Vistas restaurants.

The modest Albano is from Coimbra, Portugal. He told us the story of how his career began from meeting his then girlfriend (now wife), who went to Faro to study cookery. He followed his heart, and also studied cookery to be with her. Through following the love of his life, he also fell in love with cooking.

Monte Rei's

Master Chef

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Fine Dining

After finishing school and spending time at Hotel Montechoro, Albufiera in the 90’s he spent 10 years at restaurant São Gabrielle, Almancil from 1990 till 2000, earning his first highly respected Michelin Star.

For the last 15years Albano has worked at the prestigious Quinta das Lágrimas as executive chef, earning another amazing Michelin star in 2004.

The charismatic Albano introduced his new menu at Monte Rei just 2 months ago and is now pursuing a vision to introduce his love for local products from the sea and the mountain regions to create his mouth watering dishes. He spent a lot of time living in Olhão whilst studying, watching the local fishermen tend to their catches, and together with the beautiful mountain

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scenery he brings dishes guaranteed to wow. “Local and seasonal ingredients are key, as well as regional knowledge and the flair to create heavenly plates.”

Albano and the Monte Rei team will ensure that detail and value are second to none. They cater for private dinners and functions, offering lunch or dinner menus, the brand new tapas menu, or can create an exclusive menu for your group.

It was a pleasure to meet Albano, his fun and lively flair and expertise will be sure to amaze any discerning palate. We hope you have a chance to pay a visit to one of their seasonal celebrations or treat a friend or loved one to a fabulous lunch or dinner.

Many thanks to Albano, we wish him the best of luck.

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Fine Dining

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Fine Dining

EMAIL: INFO@MONTEREI.COM TELEPHONE +351 281 950 950

MONTE REI VALENTINE'S MENU SATURDAY 13.02.16 Horse Mackerel, Pineapple, Trout Roe the perfect match Green Pea Cream Soup, Sweet Potato Chips Turbot, Almond Crust, Saffron Sauce Ribeye Steak, Green Pea and Broad Bean Sauce Chocolate Mousse, Flower of Salt Tuile, Monte Rei Olive Oil Orange Cake, Cinnamon Ice-cream, Lime Whipped Cream Coffee and Petit Fours 46.00 Euros p/p, Excluding Wines A complimentary rose for the ladies included

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Puzzles

BRAIN TRAINING

This month local author and artist Yives Gowb introduces his numbers and word puzzle. Why not give it a go and let us know how you get on.

(Answers upside down at the end of the story).

I

JUST + L I KE THAT

WITH - TH I S R ING

Clue: T=6

Clue: I=1

have always found numbers interesting and while attending an evening pottery course in 1963 I met a chap who came out with a number puzzle which had appeared in an A level exam from the late fifties or early sixties. It was as follows:Question:- Below is an adding sum in which you change the letters into numbers of 0 to 9. To help you do this, you are given that S=3.

So we also know R=6 and D standing out on its own, can only =1.

Therefore our sum so far looks like this: CROSS + ROADS DANGER

=

*6*33 6**13 1***46

Now we have numbers left to use of; 02578 & 9. Using simple arithmetic one can work out the rest of the numbers.

I found this very interesting and years later, around 1978, I decided to compose some of my own. Having approached a leading newspaper on another subject and had the response to call in any time I was passing, I took the opportunity to do so. So I drove up to London from Somerset and found the Sun newspaper offices. There was the usual man with black cap plus large raincoat and I told him I had an appointment with the Features Editor.

He went into his cubical and phoned upstairs, asked my name and after a mumbled conversation, beckoned me to the phone. It was the Editors secretary, "Hello", she said, "but I do not seem to have your name on the appointment list for today". Well I explained that he told

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VODKA X & TONIC Clue: O=5

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me to call in when passing. "When was this?" she asked. "Three years ago" I said. "THREE YEARS AGO" she replied at the top of her voice.

"Yes, but living down in Somerset I do not pass this way very often".

She replied "He's out". "HE'S OUT" I said as loud as I could. So I moved on to another newspaper in Fleet Street and at 'Sketch', met the top crossword expert in England at the time. I showed him my puzzles but unfortunately his level of arithmetic was zero. He explained that people working in newspapers were very good at words, but not numbers. I got his point, plus on top of this I was told that the Editor of the Times did not even like having a crossword puzzle in the paper. Add the fact that there were no number puzzles in newspapers, I decided that they were before their time. So it was not until four years ago I came to the conclusion that I should publish my own book of puzzles; 'SECOND DIMENSION, logic & lateral thinking puzzles.

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

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Art For Everyone Find us in front of Hotel Vila Gale Tavira, Rua 4 de Outubro, 24, Tavira

Telephone 96 201 2111

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taviradartes@gmail.com

21

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 further information please contact Clive Roberts on ++351 289 990900 E-mail: montedapalhagueira@gmail.com Ι Web: www.retirementvillageportugal.co.uk Monte da Palhagueira Village, Gorjôes, 8005-488 Sta. Barbara de Nexe, Algarve, Portugal.

Part of the Amesbury Abbey Group, Church Street, Amesbury, Wiltshire SP4 7EX www.amesburyabbey.com

Hub The

CAFE

Welcome to the Hub cafe, Santa Rita in the East Algarve. Located just off the EN125, a few minutes from Monte Rei Golf, you'll find this friendly family run cafe/bar, which has become the 'hub' of this picturesque village. Meet owners Robert and Stacey and daughter Billie who works there most days.

Casas Villagio, also owned and run by Robert and Stacey is a small holiday letting company consisting of four beautifully restored houses, all within walking distance of the Hub cafe/bar.

For more details on their properties visit their website www.casasvillagio.com

GUEST BITTERS INCLUDING: HOB GOBLIN, LONDON PRIDE, SPITFIRE, AND OLD SPECKLED HEN. STELLA AND FOSTERS ALSO AVAILABLE. 22

LARGE SCREEN 160cm TV WITH SKY SPORT, BT SPORTS + SPORT TV

HOMEMADE PIES; Try our fantastic new winter selection of homemade pies.

PLUS a variety of English snacks HOMEMADE DAILY SELECTION OF CAKES, DESERTS AND PETTISERRIES BOARD GAMES FOR YOUNG AND OLD I PAD STATIONS, FREE WIFI LARGE CHALK BOARD FOR THE YOUNGSTERS TO ENTERTAIN THE OLDIES OR VICE VERSA!

Villagio

CASAS

de Santa Rita

HOLIDAY LETTING Tel: +351 925 916 614 Email: casasvillagio@gmail.com

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Gabigest 4 Bed Private Villa, Foupana.

A very light and spacious villa, newly built located in a beautiful protected area, facing south, in a large private plot with views to the sea. Plot 63.620 m2, house 199m2.

Ref.1031-1785 €690.000 3 Bed Cottage, S.Catarina.

This pretty renovated semi-detached 3 bedroom cottage is located in beautiful countryside with fantastic views. Plot 560 m2, house 135 m2. Ref 1030-1779 €200.000 3 Bed Villa, Estoi.

A very private villa in excellent condition, located in a rural area on the top of a hill, open and panoramic views towards the hills and country. Plot 8.600m2, house 179m2.

Ref 1009-1781 €405.000 2 Bed Townhouse, Tavira An extremely well presented townhouse located in a popular urbanisation. Open plan lounge/dining room leading to the courtyard.

Walking distance to town.

House 154 m2.

Ref 1030-1752 €145.000

Have a property to sell? Call us, we have the clients but need more properties.

Office 308-801-913 Kate Else (Tavira) 926-360-484 Clara Seruca (other areas) 961-620-760 Azul Homes LDA - AMI 5604

Luís de Brito - Contabilidades, Lda.

ENGLISH SPEAKING ACCOUNTANTS All your accountancy issues explained and translated.

Professional & Friendly Service Luís Manuel Duarte de Brito Chartered Accountant Rua 1.˚ de Maio, n.˚45-1.˚ Esq. 8800-360, Tavira. Near VILA GALÈ TAVIRA HOTEL Tel 281 324 962 Fax 281 324 222 luis.de.brito@mail.telepac.pt

CasaDaCor

www.embarro.com Tadelakt · Stucco Veneciano Clay plaster · Natural paints Showroom

CasaDaCor in São Brás, Algarve

Tel 289 845 032 or 918 888 222 info@embarro.com

www.azul-properties.com office@azul-properties.com Phone 308-801-913 www.eastalgarvemag.com

23

Property

BANKS WILL BE BANKS I

The latest interest rate news from property expert Robert Bijker, director of Land and Houses Algarve.

PROPERTY MANAGEMENT ALGARVEAN COTTAGES

V I LLAS

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

A PA RT M E N T S

TOWNHOUSES

QU I NTAS

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

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

Confused about the new rental law?

Contact us for specialist advice.

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h a p p y h o m e s l d a.

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REAL ESTATE G O L F P R O P E RT I E S

L A N D & H O U S E S A L G A RV E VILLAS

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PLOTS

LHV - 1062

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

R u a J o sĂŠ P i r es P a d i n ha 1 7 8 880 0 - 3 5 4 T av i r a

24

C o n t a c t us t o d a y : 2 81 32 0 28 1

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V I L A MO U R A

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

n a surprise move the Bank of Japan has moved its key interest rate into negative territory for the first time in history. It has now joined the European Central Bank as well as the central banks of Switzerland, Sweden and Denmark who all have negative interest rate policies in place to fight deflationary pressures. As the global economic outlook is weakening, the market is expecting the ECB to announce further measures in their next February meeting. Interest rates are here to stay low for longer which is good news for borrowers but bad news for people with savings and pensions.

Low interest rates are positive for property prices as it increases the affordability ratio for people who need a mortgage to purchase a property. In Portugal most mortgages are based on a floating rate, with 3 or 6 months Euribor as the benchmark with a margin (spread) for the banks. Coming out of the financial crisis the spread that banks charged were high at around 3.5 to 4%. At this time of writing this article it is possible to get a floating or fixed rate mortgage with a spread of 1.5%. (This is still twice as high as before the crisis started in 2008). Should you choose a floating rate mortgage based on 3 and 6 months Euribor, both currently have negative interest rates of approximately minus 0.17 and minus 0.096. In other words, a floating rate mortgage based on 3 months Euribor would cost you for the 1st 3 months 1,33% (spread 1.5 + -0.17).

The new 3 month Euribor rate will be fixed at the end of the period. It is highly unusual to have negative interest rates, but then again we are living in uncertain times. For people who need a mortgage (or already have one) it may be of interest to take advantage of the current low interest rate environment we are

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Property in by choosing (or changing to) a fixed rate mortgage. As we all know it is difficult to make predictions, especially when it is about the future. No one knows where interest rates may be in two years time.

However, with interest rates near zero the risk is to the upside. A fixed rate mortgage could protect you from rising rates. Not many banks in Portugal offer clients the choice between a fixed or floating rate mortgages. This has resulted in millions of people currently having a floating rate mortgage. This has worked well during a period of falling interest rates but could be damaging when rates start to rise again. To put this in perspective, a 5 year fixed rate mortgage would carry an interest rate of 1.58%* which offers peace of mind versus a floating rate mortgage of 1.33% with no protection against interest rate fluctuations (* based on the official 5 year Euro swap rate of the 29th of January 2016, the benchmark banks use for this type of mortgage.

For those of you with a Reuters terminal, you can monitor price changes on Reuters ISDAFIX2). The price for peace of mind has never been cheaper at 25 basis points. In northern Europe it is common that you can choose to have a 5, 10 or even 20 year fixed mortgage. Not in Portugal, 5 year is the maximum.

Why are banks not doing more to promote fixed rate mortgages? This is a matter of ´boys will be boys, banks will be banks`. Banks always make the same mistakes, only the circumstances change. In the past banks have made costly mistakes by lending money for a long period of time at a fixed rate, while borrowing (funding) short term. A bank can borrow the money for the whole period which is more expensive and eliminates interest rate risk but is less profitable. If a bank borrows money for a short period, it will cost them less and they will make more money. They can continue borrowing short term on an ongoing basis. However, this leaves them fully exposed to adverse interest rate movements and if not managed correctly can cost the bank dearly.

And that is exact what has happened in the past all over Europe. Highly qualified professionals at treasury desks of various banks got it wrong while trying to maximize profits for the bank. Contrary to fixed rate mortgages, changes in interest rates with a floating rate mortgage are

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simply passed on to the homeowner while the profit margin (spread) for the bank remains the same. It may seem logical that Portuguese banks opted to promote floating rate mortgages, but it really is not. There is no logic in assuming that millions of households with very little financial knowledge would be better suited to manage fluctuations in interest rates than highly qualified professionals at a bank who do this for a living. When interest rates do go up again this may leave thousands of people exposed and at risk of not being able to fulfil their monthly mortgage obligation resulting in bad loan provisions and losses for banks. This is exactly what the banks thought they could avoid by passing on the interest rate risk to the homeowner. However if banks would proactively approach their clients to offer the possibility to switch from a floating rate to a fixed rate mortgage, they would not only provide a good service to the homeowner but also lower the risk of a potential default should rates go up.

Should you be interested in changing the type of your mortgage (or to lower the spread on your mortgage), it is advisable to shop around a

bit. Ask several banks to make a simulation for you as there is a good chance that your current mortgage provider will not give you the best rate. Some banks offer to pay the expenses you incur when changing mortgage provider.

If you have questions and/or need assistance with arranging quotations, contact us to make an appointment, free of charge and no obligations. However, we would be very pleased if you would consider using our services to help you finding the right property to buy or to assist you in selling, now or in the future.

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

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

NEW INSTRUCTIONS

CABANAS DE TAVIRA €105.000 Ref: 1871 • 2 Bed two bath apartment • On complex with shared pool • Air con heat and cool • Close to facilities • 5 Mins on foot to beach boat • Practical lock and leave • Golf less than 5 mins drive

TAVIRA TOWN €165.000

Ref: 1876 • Large apartment • Two bedroom apartment • Shared pool • Centre of Tavira town • Private garage • Air con heat and cool • Fully furnished and equipped

25

Property

Property of the month 5 Bedroom detached Villa with Pool in the countryside. Sitting in 3.280 m² of land with garden.

PROPERTY REQUIRED:

Moncarapacho, São Brás, Estoi, to Tavira area, please call or email.

26

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Property

RUSSELL & DECOZ REAL ESTATE Tel: 00351 289 792 785 Mobile 963 085 580 Email: sales@russell-decoz.com Exceptional German built house that guarantees quality and style with an abundance of spacey bedrooms with natural wood features. In a private location away from prying eyes this villa is perfect for a large family or a small B&B.

* Borehole * 2 cisternas * water softener * 380V electricity * solar water heating with gas back-up * floor heating downstairs * 300 ltr water storage tank * septic tank * telephone line and SAT-dish installed * ceiling fans 4 woodburners * * 12.5 x 5m pool * poolside shower * Large walled sun terrace * BBQ with Pizza oven * 3 en-suites * orchard with fig, almond, carob and olive trees * irrigation system * Lovely design and super comfortable villa!

Energy cert “E” REF:- 1170VN LOCATION:- Near Moncarapacho

€360.000

www.russell-decoz.com

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

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27

AMI 8799

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

Modern Five Bedroom Villa with Pool, Castro Marim 370,000€ Ref: 4009710

Three Bedroom House in Tavira Center – Tavira, 240,000€ Ref: 4018082

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

Fantastic three bedroom house, recently renovated, located in the heart of Tavira, close to the castle. Built within the castle walls, with all amenities such as cafe’s, shops, restaurants and the boat to the beautiful Island of Tavira, within a short walk. This is a great investment opportunity for someone looking for a unique property with character.

CASTRO MARIM Spacious Six Bedroom Villa with Pool – Castro Marim, 500,000€ Ref: - 4035461

CASTRO MARIM

Fantastic Villa situated in an elevated position with country views. Set in a good sized plot with recently landscaped gardens, fruit trees, and a large swimming pool. Monte Francisco is close to the towns of Castro Marim and Vila Real de Santo António, with all local amenities and some beautiful beaches within a fifteen minute drive.

JamesATELIER & Valentina

FU LL S E RVI C E C U RTAIN MAK E RS AN D U P H O LSTE RY

TAVIRA

JeM's S h o w r o o m

Second hand goods

Tel 919 767 066

WE MEASURE! WE MAKE! WE FIT! Hand sewn, made to measure curtains, HUGE selection of fabrics, Complete range of window furnishings, Furniture re-upholstered all in our workshop!

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FARO

Cube Roundabout EN125 BANK James BPI & Valentina

Aldi Pingo Doce TAVIRA

EN270 To Tavira

Chicken Luis To Lidl

We

a re h e r

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EN125, Edificio Cubo N.o 65C 8700-248 OLHAO, ALGARVE Tel/Fax; 289 701 380 Tlm 91 885 12 09 Tlm 91 463 14 82 Tlm 92 608 12 44 Email; vjcurtains12@hotmail.com

Email: jamespolley007@gmail.com Opening times: Mon-Thurs 9h-13h / 15h-18h Saturday 9h - 13h At the Old Mushroom Factory São Brás de Alportel

Old Wood store

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PRIME AlgARvE HOlIDAY PROPERTIES

Modern Penthouse close to beach - €156,000 Lovely 2-bedroom, 2-bathroom penthouse apartment in Costa Cabanas with ample terraces & walking distance to sandy beaches.

Excellent townhouse ideal for rentals - €195,000 This 3-bedroom townhouse is only two years old. Located just 800m from the beach, it represents perfect holiday rental options.

Country cottage with swimming pool - €289,000 The charming, fully renovated cottage consists of 4 bedrooms and lies on the banks of a river just outside Tavira.

Spacious holiday apartment in Tavira - €85,000 This first floor open-plan apartment offers 2-bedrooms, fireplace and balconies. It is spacious and great value in an attractive location.

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

r.nagelsmit@proluna.com

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29

People

RE/MAX TAVIRA Rua Dr. Augusto Carlos Palma, nº 26 8800-345 Tavira AMI 4515

(+351) 281 320 080 - tavira@remax.pt - www.remax.pt/tavira Tavira Centre

2 bedroom apartment, with 2 balconies, lift and parking space in the basement

129,000€

Ref.: 120871086-37

PROPERTY OF THE MONTH

Santa Luzia Residence

Monte da Eira Tavira Apartments in a tourist development with many amenities.

1 & 2 bedroom apartments in Santa Luzia in a delightful development with swimming pool & garage. Enjoy living by the Ria Formosa, at walking distance from shops and other amenities.

Ref.: 120871069-203

From: 78,000€

From: 100,000€

Financing – Return on the investment

Ref.: 120871043-986

Do you need help in selling your property? Talk to us. We make the difference.

30

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Theatre

Tavira House & Home

Ref: V0196 €295,000 3 Bedroom Villa with Pool, Faz Fato, Tavira Situated in an elevated position with spectacular views over the surrounding countryside and coastline.

Ref: A0332 €220,000 Front line 2 bedroom apartment with roof terrace and views over the Ria Formosa, Santa Luzia

www.tavirahouseandhome.com info@tavirahouseandhome.com

Rua 1º de Maio 45, Tavira AMI Licence: 9218

MAIN OFFICE – E.N.125, Cevadeiras, 8900-024 Vila Nova de Cacela TEL: 281-951165 FAX: 281-951438 CABANAS OFFICE – (Waterfront) Ava Ria Formosa, Centro Comercial Loja 2, 8800-591 Cabanas de Tavira TEL: 281-370277 FAX: 281-370761 LICENÇA No 504-AMI

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

SPACIOUS VILLA NEIGH. ALTURA - Surrounded by 3.842m2 garden w/ trees, s. pool, large garage, pool house (40m2).

Central heating. ***ENERGY CLASS - C . €590.000

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

EastAlgarve M

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

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EXCLUSIVE ESTATE- TAVIRA - With 2 villas + ruin, 2 s. pools, land w/ 31.000m2 w/ many trees. Spacious garage. Tennis court. ***ENERGY CLASS - F (2 VILLAS). €1.650.000

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

31

Gardens

Camellia in the Algarve 32

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Gardens No matter your garden size the majestic flowering camellia plant can be a valued asset to your garden

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E

ven with the hot summer temperatures here in Portugal we can still enjoy the winter flowers of the Camellia in our gardens. The more familiar is the very showy Camellia japonicas. These are prized not only for their lovely winter flowers, but also for their glossy, evergreen leaves.

Camellias are useful as foundation plantings, specimen plants, flowering hedges, or tub and container plantings. Choosing the right Camellia for your situation is the most important step in successfully growing any Camellia. Factors to consider include suitability to your particular climate, flower, form, blooming season, and the actual growth habit of the plant. Plants that bloom from January through February are recommended for warmer weather areas, and November through December or March through April blooming varieties are recommended for cooler weather areas.

HISTORY Camellia japonica has appeared in paintings and porcelain in China since the 11th century. Early paintings of the plant are usually of the single red flowering type. However, a single white flowering plant is shown in the scroll of the Four Magpies of the Song Dynasty. The camellia was first brought to the West in 1692 by Engelbert Kaempfer, Chief Surgeon to the Dutch East India Company. He brought details of over 30 varieties back from Asia. Camellias were introduced into Europe during the 18th century and had already been cultivated in the Orient for thousands of years. Robert James of Essex, England, is thought to have brought back the first live camellia to England in 1739. On his return from Dejima, Carl Peter Thunberg made a short trip to London where he made the acquaintance of Sir Joseph Banks. Thunberg donated to Kew Botanic Gardens four specimens of Camellia japonica. One of these was supposedly given in 1780 to the botanical garden of Pillnitz Castle near Dresden in Germany where it currently measures 8.9 metres (29 feet) in height and 11 metres (36 feet) in diameter. The oldest trees of Camellia japonica in Europe can be found in Campobello (Portugal), Caserta (Italian) und Pillnitz (Germany). All of them were probably planted at the end of the 18th century.

CULTIVARS Camellia japonica is valued for its flowers, which can be single, semi-double flowered or double flowered. There are more than 2,000 cultivars developed from C. japonica. The shade of the flowers can vary from red to pink to white; they sometimes have multi-coloured stripes or

33

Gardens

specks. Cultivars include 'Elegans' with large pink flowers which often have white streaks, 'Guilio Nuccio' with red to pinkish petals and yellow stamens, 'Mathotiana Alba' with pure white flowers, and the light crimson semi-double-flowered 'The Czar'.

C. japonica 'Alba Plena' is nicknamed the “Bourbon Camellia”.

Captain Connor of the East India man, brought the flower to England in 1792. The flowers are pure white and about 3 to 4 inches across. It blooms earlier than most cultivated camellias, in the early winter or spring, and can flower for 4 to 5 months.

The zig-zag camellia or C. japonica 'Unryu' has different zig-zag branching patterns. “Unryu” means “dragon in the clouds” in Japanese; the Japanese believe it looks like a dragon climbing up to the sky.

Another type of rare camellia is called the fishtail camellia or C. japonica 'Kingyo-tsubaki'. The tips of the leaves of this plant resemble a fish's tail.

PLANTING Camellias can be planted at any time of the year, provided they are given proper care, but are usually

34

planted in autumn or spring. They are shallow-rooted plants that will not do well if planted too deeply or mulched too heavily. One good way of planting a new Camellia is to dig a hole, leaving an un-dug area in the middle to rest the plant on.

This prevents settling which could cause the plant to sink too low into the soil. Do not add organic matter to the soil at planting time - just fill the hole back in with the excavated dirt. Being slow growers, Camellias are slow to become established, so care should be taken to eliminate competition from tree roots and weeds during this establishment phase.

Most Camellias do their best in partial shade. Placement in a northern or western configuration usually works better than in a southern or easternfacing position, as protection from strong morning sun helps the plant withstand the colder weather better.

Leaf scald or leaf yellowing can occur when not enough shade is provided.

Water once a week while the plant is becoming established, and once established; soak once per week during dry spells. Camellias prefer a slightly acid soil, and periodic applications of an acidic plant food

will usually be appreciated. A thin layer of mulch to conserve soil moisture is also recommended.

PRUNING Camellias typically need minimal pruning. Necessary grooming and shaping should be done in late winter or very early spring after blooming. Pruning in late summer or fall removes flower buds, but selective removal of undesirable branches can be done to retain a neat shape. Shearing should be avoided because it destroys the natural plant form and results in a dense layer of foliage that blocks light from the interior branches.

PROPAGATION. The most common and easiest methods of propagating camellias are by cuttings and air layering.

Rooting plants from cuttings ensures that plants retain the characteristics of the parent plant. Cuttings are usually taken in July from hardened spring growth.

Air layering is a simple propagation method that allows one to produce a good-sized, "true to type" plant in a short amount of time. A ring of bark is removed from a pencil-sized stem, and moist sphagnum moss is wrapped around the wound. Roots

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LANDSCAPING & GARDEN CENTER

BEM-VINDO • WELCOME

QUINTA DAS PALMEIRAS CENTRO DE JARDINAGEM

EN 125, c.p. 126-E 8800-118 Luz de Tavira e-mail: geogardim@gmail.com www.geojardim.com Tel: 281 961 189

To Olhão

To Moncarapacho EN125 Fuseta

Find us on facebook at:

Geojardim Landscaping & Garden Center

grow into the moss and the rooted stem can be cut from the mother plant and then potted to allow for further root growth. Once they are well rooted in the container, they can then be planted into the landscape.

Air layers should be started in April and will be ready by August.

Grafting is used to propagate varieties that have desirable characteristics, such as exceptional flowering, but a weak root system. Grafting permits the union of the desired top (scion) with a vigorous root system (root stock) to yield a superior plant. Seed propagation results in tremendous seedling variation with a high percentage of undesirable seedlings. Seeds should be collected as soon as they are ripe (July–September) and placed in flats or pots.

Germination can be expected in 2–4 months if the seed coat is broken or scarified before sowing.

DISEASES Some fungal and algal diseases include: Spot Disease, which gives the

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Luz de Tavira

upper side of leaves a silver color and round spots, and can cause loss of leaves; Black Mold; Leaf Spot; Leaf Gall; Flower Blight, which causes flowers to become brown and fall; Root Rot; and Canker caused by the fungus Glomerella cingulata, which penetrates plants through wounds. Some insects and pests of C. japonica are the Fuller

To Tavira Look out for the Yellow flags

Rose Beetle Pantomorus cervinus, the mealybugs Planococcus citri and Pseudococcus longispinus, the weevils Otiorhyncus salcatus and Otiorhyncus ovatus, and the tea scale Fiorinia theae.

Some physiological diseases include salt injury which results from high levels of salt in soil; chlorosis which is thought to be caused lack of certain elements in the soil; bud drop which causes loss or decay of buds, and can be caused by overwatering, high temperatures, or pot-bound roots. Other diseases are oedema and sunburn. Not much is known about viral diseases in C. japonica.

The subject of growing camellias is vast and can be very confusing for the novice gardener, but I have tried to give you a good starting point for you to decide whether or not you might like to add a camellia or two to you garden, and remember even in the smallest of gardens you can still grow a camellia in a pot so you can enjoy the flowers of the camellia over winter.

35

Expert financial advice

By Gavin Scott, Senior Partner, Blevins Franks

Is It Time For A Financial Planning Review?

A

re you up to date with the latest developments in Portugal and internationally that affect you?

Do you have a considered, strategic tax and wealth management plan in place?

Spending a little time now will help you protect and preserve your wealth over the long term.

Savings and investments Are you sure your investments, and the mix of them, is suitable for your life in Portugal – and for your circumstances, needs, time horizon and risk tolerance? You may have built up a portfolio of shares over the years, without really considering how they work

changed.

Tax planning You need specialist advice to make sure your investments and wealth are arranged in the best, most up-to-date way to limit your tax liabilities. The right tax-efficient arrangement can keep most of your investments in one place and help you legitimately avoid paying too much tax.

New residents and the NonHabitual Resident scheme If you are not yet tax resident here, seek advice on Portugal’s NonHabitual Resident (NHR) regime, which provides beneficial tax treatment for the first 10 years of residence. If you are already approved under the scheme, make sure you are using it to your full advantage.

Estate planning Many expatriates have been affected by the Portugal law to tax distributions from trusts and other fiduciary structures. It came into effect in January 2015 and the changes are significant. However, trusts can still have a role to play in estate planning, depending on your family circumstances.

UK inheritance tax continues to affect most UK nationals so you need to plan for this. You may need to consider Portuguese stamp duty (inheritance tax) too. You should also establish the best way to leave assets to your heirs to achieve your wishes.

Pensions Deciding what to do with your pension fund is of fundamental importance. There are more choices than ever for UK pensions.

You need to understand all your

options and the tax implications in Portugal, before you can make the correct decision for your objectives.

Whether it is investments, tax or pension planning, seek specialist advice to ensure you do what works best for your personal situation.

Use an adviser who can guide you on all these aspects and provide holistic solutions.

To keep in touch with the latest developments in the offshore world, check out the latest news on our website www.blevinsfranks. com

Spending a little time now will help you protect and preserve

your wealth over the long term! together or whether they suit your aims. Consider the principles for successful investing below.

Your appetite for risk Obtain a clear and objective assessment of your appetite for risk, or your portfolio will not be suitable for you.

Match your risk profile to the optimum portfolio Make sure your investment portfolio matches your attitude to risk.

Diversification. Your investments must be suitably diversified, so you are not over-exposed to any given asset type, country, sector or stock.

Yearly review Your portfolio can shift away from the one designed to match your risk profile and objectives, and your circumstances may have

36

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Expert currency advice

Premier FX's Account Manager Cathryn Evans keeps us up to date with the latest currency news.

Managing your International payments

J

anuary didn’t fair well for the GBP; with talks of whether to stay in the EU gathering pace, and Mark Carney implying the UK will not raise interest rates until 2017. We saw levels below 1.30, which for those selling Euro’s to purchase pounds was a welcomed relief.

The US dollar faired well after the interest rate rise at the end of last year, seeing it becoming stronger against both the GBP and EURO. If you have US dollars that need transferring, now could be a good time to think about it.

When we see levels and volatility like this, it is important to speak with your currency broker to help protect you against the market fluctuations. We have many products in place to suit

individual needs. In fact, a new product Premier FX has launched offers a safe and easy way to make purchases abroad at favorable exchange rates.

The PFX Prepaid Currency Card, in euros or US dollars, provides cardholders with a simple and secure alternative to carrying cash, and a new way for our clients to save money in their transactions at the retail level.

The prepaid card is backed by Mastercard® and works like a debit card in millions of cash machines and retailers around the world.

Cards are free to order. Just register at www.PremierFX.com, or call our office in Almancil. Premier FX account directors are available to assist in the process, if necessary. Cards are mailed

to your preferred address, and ready to use to make purchases and payments.

The card is perfect for travellers as well as expats living abroad without local banking services.

Our online system is designed for you to “top up” your card at any time or from any smart device. You can also see recent transactions and review account balances.

For further information on how we can help save you money on transfers or find our more about our currency card, feel free to contact me.

Premier FX is authorised by the FCA (530712) and regulated by HMRC. Cathryn Evans Tel: + 351 289 358 511 cathryn.evans@premfx.com

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37

Expert financial advice

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

IRS: 6 dates you need to put in your diary for 2016

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his year, when you are delivering the IRS for the year 2015, it will be much different than in the previous years. With the new IRS laws, the way the Portuguese tax authorities’ deal with this tax changed and even the delivery dates of the income statement are now different from previous years.

So many changes in one year may cause some confusion. to keep you organized, we have listed some key dates that you need to meet to avoid losing any tax deductions and to avoid paying any fines.

FEBRUARY 15 Each taxpayer has until the 15th of February to query, report and verify invoices. To do this you should access the E-Factura portal and access to your personal page, where you should verify that all your invoices have been properly communicated. If you find any failure, or any invoice is not recorded, you can add these invoices to your file. It’s also important to check in which category your invoices are recorded. Please note that it’s necessary to move your invoices into the appropriate section (ie health, education, etc) otherwise the

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deduction will not be accepted. These procedures need to be performed for each household expenditure holder, including dependents.

1 TO MARCH 15 Between the 1st and 15th of March, you need to check your page and if you feel the information is not correct, you can contest the calculations made by the Tax Authorities. In other words, your tax deductions will be summarized here, under family general expenses, healthcare expenses, training and education expenses, charges with property for permanent residence, VAT invoices and costs with foster homes; if your total invoices are not consistent with the totals shown in the portal, you have a two week window to contest it. Please note that it’s necessary to check this for each holder.

MARCH 15 TO APRIL 15 Contrary to what happened in previous years, when there were different deadlines for taxpayers to hand over the tax return via online or on paper, from 2016 there are only two deadlines to deliver the income tax.

Between March 15 and April 15, all those who had employment income,

or receiving pensions should deliver the tax return, regardless of the form they use to do it.

APRIL 16 TO MAY 15 Those who receive income from self-employment (sole traders), even those who have made just a single sale, have to deliver the respective tax return from the 16th of April to the 15th of May. This also applies to those that received rental income, or those that are resident and received income from foreign source.

JULY 31 If you have tax to receive, the settlement must be made by 31st of July. This is the deadline for the Tax Authorities to refund you.

AUGUST 31 If however you have to pay tax, you should make the payment no later than the last day of August, providing you have delivered the tax return within the time limits.

Last but not least, please remember that if you do not deliver your IRS on time, you may lose all tax deductions allowed. In the past this would only apply to those having tax debts by the last day of the previous year, but the new IRS laws, includes the loss

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Making Life Easier New! Exclusive!

Victoria Senior Plan covering 65 to 70 year olds for only â‚Ź105 per month

of all tax deductions, in case of late delivery. This may also apply to your IMI – Council Tax exemption, which may be affected if you fail to meet date for delivery of your IRS: There are many other alterations that may affect your IRS and it may come as a surprise that filing a correct tax return in Portugal can save you money. Submitting a tax declaration does not necessarily mean that you pay tax, but may avoid you paying fines for non-compliance and offer you peace of mind.

If you have any other questions, please feel free to contact us; tax planning is critical and you and your company cannot afford surprises.

Pass by our office to discuss your personal situation and avoid any late submission fines.

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ensuring we find the best possible plan for you and your family.

We can also insure your car, house, boat, holiday, pet, business and even provide you with a funeral plan.

Angela and Erik are expats just like you and are on hand to help you throughout the term of your policy.

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Authorised and regulated by the Financial Services Commission FSC 006 43B

Motor

Home

Marine

Travel

Medical

Holiday Apartment

Business

Pet

Community

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EXCURSIONS & GUIDED TOURS Let us guide you around your neighbourdhood with the tuk tuk tour

Castro Marim: Visit the Salt Spa, Historical city and castle São Brás: Visit the Museu do Trajo, cork shop and cork factory

OR BOOK YOUR TRIP TO: Évora, Alqueva or Lisbon

Arrange your trip from Tavira, T. 961 304 826 E. info@ocean4you.net

RONALDOS BAR The food and entertainment venue!

Drinks ∙ Bar Snacks ∙ Sunday lunch.

Fantastic viewing terrace, private car parking.

Forthcoming events:

RONALDOS

SUNDAY 14TH FEBRUARY ST VALENTINES DAY LUNCH AND DANCE. 3 COURSE BUFFET LUNCH WITH DANCING AND ROMANCING ONLY 12€. 1.30PM TILL 5PM LIMITED PLACES. THURSDAY 17TH MARCH ST PATRICKS DAY PARTY. MUSIC, FOOD AND GREAT IRISH BANTER, ONLY 12€. BE VERY QUICK!

CORTE MARTAINS

MONTE REI GOLF

Opening times; Wednesday to Sunday 10 am - 9pm. tel 964 581 213 or 966 775 417, Only 5mins from Monte Rei Golf

F E R R Y P O I N T COCKTAIL AND TAPAS BAR, TAVIRA

CLOSED FOR WINTER BREAK CHECK FACEBOOK FOR OUR OPENING DATE IN MARCH. PARTY BOOKINGS AVAILABLE, EMAIL OR CALL! GREAT COCKTAILS • FRIENDLY ATMOSPHERE • GOOD FOOD YOU CHOOSE THE MUSIC • THEMED NIGHTS: / REGGAE / CHARTS / MOTOWN IN TAVIRA TOWN, LOCATED NEXT TO THE TAVIRA ISLAND FERRY. OPEN 10AM-2AM MONDAY - THURSDAY, 10 AM - 3AM FRIDAY & SATURDAY TELEPHONE: 961 700 200 EMAIL: ANGE.HEAPEY@HOTMAIL.COM

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FORMERLY

Pink Flamingo the 19th hole

Bar & Brasserie, Tavira

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SWIM-ARTE E.N. 125, Sitio de Sao Pedro 8800-407 Tavira Tel : 281 326 671 Fax: 281 324 618 Email swimarte@hotmail.com We speak: English, German, Dutch and Portuguese

SWIM-ARTE IS A SWIMMING POOL COMPANY WITH OVER 30 YEARS OF EXPERIENCE. • We are experts in pool renovations, pool building, pool covers, UV and salt systems, heatpumps, child safety fences, chemicals and anything else for your pool.

• We are distributors for EUROPA Piscinas fibreglass swimming pools.

• We service and do pool cleaning.

Protect-A-Child Pool Fencing is a strong,tight woven mesh fence which prevents tiny fingers or toes from climbing. The fence also conforms to any pool shape and is completely rustproof and maintenance free.

LIFE-TIME GUARANTEE ON THE FIBREGLASS POSTS. THESE POOL FENCES ARE EASILY REMOVABLE. FENCING AROUND POOLS ARE SOON TO BE A NEW REGULATION IN PORTUGAL. LUGARDE designs and creates wooden garden houses, log cabins, verandas and garages for extra storage in a wide variety of models and sizes. They offer plenty of space for customers to meet their own specific demands.

LUGARDE creates high quality products at acceptable prices.

•POOL COVERS AND POOL ENCLOSURES. •PREFABRICATED SWIMMING POOLS LESS EXPENSIVE AND FAST BUILDING. •DLW DELIFOL POOL LINING WITH A 10 YEAR FACTORY GUARANTEE UP TO 12 COLOURS. •WHIRLPOOLS AND SPAS. •WOOD LINE WOODEN POOLS IN OR ABOVE GROUND. •FILTER INSTALLATIONS AND EQUIPMENT.

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41

People

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People

Monumentos Welcome to the 'colourful' world of Marco Conceicao, creator of Monumentos.

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hose of us who live here are rarely amazed by what we are fortunate to see out and about on our travels, and we are well aware of the warm hearted welcoming Portuguese people. This month we came across the unique and eccentric Marco Conceição. He has a keen interest in Portuguese culture, history, historical events, religious figures, legends, myths, superstitions and sayings.

This together with his love for carving and sculpture making has created a wealth of unusual figures made from

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wood (including reclaimed railway sleepers), clay, stone, metal and ceramic. He began his works back in 2007. His inspiration comes from a variety of events, ranging from the Battle of Independence of Portugal and Spain, to the legend of Floripes in Olhão. Marco can commission any piece of work you would like, so it is possible to have your very own “dragon” or a sculpture of the wife or hubby (joke), in fact, what ever is special or relevant to your taste.

Situated in Maragota, between Olhão and Tavira, next to Hotel

Colina Verde, you can see the tower and sculptures from the road as you pass by. Marco plans to expand into nearby land, creating a rooftop cafe and a mini village, but for now he makes everyone who visits his small museum of art and farm machinery feel very welcome.

We are very grateful to Marco and his family for his friendly welcome and hope you are able to stop by and visit soon, there are no official opening times, just pop in, Portuguese speaking is, of course helpful but not completely necessary.

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Sport

SKATE

PARK T

January saw the launch of a new skate park in Olhão at the cost of over €60,000 by the Park and Ride Association.

he concept of the park is based on the influence of fishing activities in the city of Olhão. The arena reflects a famous ship, while the park is in a square shape, reflecting the streets and surroundings.

The Skate Park is designed for practicing various activities for different age groups, ensuring different degrees of difficulty.

The Inauguration Day, saw competitors from all over the the country.

After the awards ceremony the official opening ceremony began, with the State Secretary of Youth and Sport, John Meneses, and the Mayor, António Miguel Pina. This was then followed by a concert by ContraCorrente e dos Íris.

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Sport

NIGHT GOLF Offering a new perspective on golf, try the fun and exciting world of night golf, right here in the East Algarve.

I

n association with the stunning Colina Verde resort, we are pleased to announce that you are now able to play golf day and night. A game for everyone, experienced and those new to the game, night golf is a fun way to enjoy the game with friends and family.

With packages to suit all occasions, we offer everything from a simple 8 holes night golf, to a complete

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evening of 9 holes of golf in daylight, followed by a finger buffet and drinks, followed by 8 holes of night golf.

A great, unique way to entertain groups, guests or maybe a birthday celebration, night golf brings the fun into the game, keeping a competitive edge.

For further information or to find out about future events, email us at info@eastalgarvemag.com

45

Sport

Leandro Borges volleys home his first goal against Benfica

Where to now?

All the latest sports news from Chris Wright.

S

ome thirty Olhanense supporters enjoyed a four day trip to the Azores and stayed in Ponte Delgada on the hauntingly beautiful São Miguel, the largest of the nine islands of the archipelago situated 1,360kms west of continental Portugal and some 1,925kms southeast of Newfoundland. The group celebrated the New Year in mid Atlantic but there were to be no celebrations on the pitch as the ‘rubronegros’ conceded the only goal of the game five minutes from time direct from a free-kick. The following week involved a mere three hour journey north to the superb Benfica Caixa Futebol Campus in Seixal, in the district of Setubal. Benfica ‘B’ took the lead midway through the firsthalf and things looked bleak minutes later when Olhanense keeper, and former Benfica hero, Moreira was sent-off for handling the ball outside his area. On came former youth team keeper Leo to make his first team debut just two days after his seventeenth birthday. Amazingly the visitors rattled in three goals in a nine minute spell towards the end of the first-half. Two goals from Leandro Borges, either side of a Galassi

46

penalty, were enough to secure victory despite Benfica pulling a goal back late in the game. Leo made two fine saves in stoppage time to ensure that the ten men recorded a famous 3-2 win. A trip to the far north ended with a 1-1 draw at Penafiel.

Galassi scored after half-an-hour and Coubronne was sent-off minutes later but the ten men held on until the 97th minute when the home side levelled with the last kick of the game! As the January transfer window closed there was still concern amongst supporters as to the future of the club. It had been known for some time that the 80% ownership of the SAD (sports limited liability) was up for grabs as the Italian consortium endeavoured to find a buyer. With four players recently offloaded and no acquisitions, the squad was down to the bare bones. In fact, in the 1-0 defeat at home to Famalicão only one goalkeeper, rookie Leo, was available with first choice Moreira serving a suspension. Manager Cristiano Bacci has kept his team in mid-table despite the problems off the field. In February Olhanense has home games against V.Guimarães ‘B’ (7th); Varzim (Wednesday 17th) and Sporting Lisbon ‘B’ (27th).

NEW FOOTBALL PITCH FOR MONCARAPACHO

T

he mayor of Olhão, António Pina (Presidente da Câmara Municipal), officially opened new synthetic 4G astro-turf pitch at the Torrinha Stadium, Moncarapacho. SC Olhanense were the guests of local league side Moncarapachense (1st Division AF Algarve) as young and old turned out to hail this superb new facility.

The project cost 320,000 euros with the Olhão municipal council contributing 250,000 euros and the parish councils of Moncarapacho and Fuseta 60,000euros.

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Sport WALKING FOOTBALL TAKES OFF IN TAVIRA

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avira Municipal Stadium is a new venue for Walking Football for the over 50s.

This is the fourth venue to operate this increasingly popular sport and despite the wet weather the organisers were delighted with the response. Though based on association football, the key difference in the rules is that if a player runs then they concede a free kick to the other side. This restriction, together with a ban on slide tackles, is aimed both at avoiding injuries and facilitating the playing of the sport by those who maybe physically disadvantaged.

The manner in which the sport is played promotes cardiovascular fitness whilst producing the least stress on the body. It also assists participants maintain an active lifestyle. Sessions take place every Monday from 9.30 to 11.30am. For information on similar groups in Olhão, Vilamoura (Browns Sports & Leisure Centre) and Lagos email: Christopher.wright@hotmail.co.uk

MORE FOLLOWERS FOR FOOTGOLF

N

ewcomers Christine and Brian Beckwith were among the winners in the first event of the new year at the Colina Verde Sports & Golf Complex, Maragota.

The winning team of Ella Bryan, Jan Vos, Brian Beckwith and Mark Fox recorded a score of 206, nine shots ahead of their nearest opponents.

John Bishop took the individual award with an excellent par round of forty-two for the twelve hole course whilst Christine Beckwith took the Ladies Award. 74 yearold Wolfgang Eudenbach won the Over 60s Competition, with a score of fifty, and his daughter Yvonne Ehret, visiting from Germany, was the Lucky Lotto Lady with a score of twenty-nine for the six holes drawn by random. The next event is on Wednesday 25th February.

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Colina Verde general manager Tony Smith (2nd from right) presented the awards to FootGolf winners

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CHINA SPONSORSHIP DEAL

he Portuguese Segunda Liga will next season be sponsored by Chinese multinational LED lamp manufacturer Ledman, to the tune of €6m with each team receiving some 300,000euros. The initial deal included the proviso that the top ten teams would each include a player with a ‘minimum usage rate’ from the sponsor’s native country.

This demand was soon dropped as the players union argued that it would be a move away from a merit-based selection and that such a demand would also be illegal. The newly branded Ledman LigaPro becomes the first major European league to be sponsored by a Chinese company.

East Algarve Golf Society In association with

Restaurant O'Castelo Chilli Boy Piri Piri FerryPoint Bar, Xiri Bar, Quasi's Bar, Vert'in restaurant and The East Algarve Magazine Regular competitions, Discounted rates and Members discounts.

Email info@eastalgarvemag.com to register your interest.

47

The importance of understanding different lies

This month's tip from resident professional at Monte Rei Golf and Country Club Bradley Dye.

N

ot all golf courses around the world are flat, and being able to adapt to different lies is a key part of the golf game.

Not being able to play the variety of shots will result in higher scores.

When it comes to uneven ground or a sloped lie, golfers tend to keep their routine and swing the same. This is a mistake!

When playing a down slope, it’s vital to take the slope into consideration and make the necessary adjustments. Don’t fight the slope!

A good routine for effectively playing down hill shots is:

1

Reducing club selection, as at impact the clubface will de-loft, resulting in a low trajectory. The total carry distance of the ball may be less, but the total distance will generally increase. Choosing the correct club is essential.

Pro stats

48

2 3 4

Stand wider for extra stability to maintain balance.

Lean with the slope to achieve the same spine angle as you would have on a flat lie.

Position the ball further back in your stance so at impact you hit the bottom of the arc.

Following this routine and Name: Bradley Dye learning how to play from the From: Darlington, England difficult lies will increase your Club: Monte Rei Golf

& Country Club chance of lowering scores and Position: Assistant Golf reducing your handicap.

Professional For individual, group or playing Turned Pro: 2015 off Scratch lessons call +351 281 950 950 Background: BA Hons Golf Management Degree, University of or email golf@monterei.com Central Lancashire. District, County Lessons include all equipment & University Golf Teams. hire, golf balls & water.

Career Low Score of 66 (-6) Bradley Dye

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FOOTGOLF ALGARVE

MASTERS TOURNAMENT What are you doing over the Easter Weekend?

25-26-27 March 2016

CASH PRIZE FUND €2000 WWW.BENAMORGOLF.COM

Events designed for the entire family: • Individual • Team • Over 50's • Ladies • Juniors To receive our information pack and registration form Email tony@colinaverderesort.com or come and see us!

Enjoy Costa Esuri RESERVATIONS: COSTA ESURI GOLF CLUB Urbanización Costa Esuri Avda Juan Pablo II, S/N, A49 – Salida 131 21400 Ayamonte, Huelva, Spain Tlf:(0034) 959 328 071 www.costaesurih2ogolf.com

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45 49

Free Classifieds P R O P E RT Y Property required for purchasing clients in the following areas; Moncarapacho, Tavira, Estoi and Sao Bras area for established real estate company Russell and Decoz, Lda. Telephone 289 792785 – email propertyrussell@mail.telepac.pt Good quality properties required in the area of Tavira, Moncarapacho, Estoi, Sao Braz, Manta Rota and Praia Verde by established estate agency Land & Houses Algarve – Yellow Homes. Call 281 320 281 or email info@landandhousesalgarve.com Good quality rentals villas and apartments with pool required by established property management and letting agent Happy Homes Algarve. Call 281 320 283 or email rentals@ portugal-accommodation.com Wanted all types of Property for Sale for serious clients in the East & Central Algarve.

Azul IMO contact Kate Else 926360484 or Email:kate@azul-properties.com We are looking for properties to rent and sell in Tavira, Santa Luzia and Cabanas. Please contact us. e-mail: bruno. tavirakonsulten@gmail.com Telephone: 00351 913 915 076

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

S E R V I C ES CARPENTER/JOINER available. Over 30 years experience.Tel. Gus 920119682 or 920039392.

CLEANING SOLUTIONS FOR:Carpets, Rugs, Sofas, Car Valets, Mattress Cleansing & DE-bug. Revitalize floors and surfaces.

Unblock showers, Baths & Sinks. Call: 927485924 or e mail: mcoleman@orange.net English mobile mechanic, repair/ servicing/electrical etc. No job too big or small. Quote you happy, all makes and models of cars, vans and light commercial vehilcles. Call Paul on +351 914 417 580 or +34 642 458 853, email paul.titcombe@ hotmail.co.uk Vehicle Transport service To and from the UK & Spain, Tel 281 105 131 or 934 024 869

WA NTE D WANTED: Experienced GERMAN teacher for eager adult beginner. CABANAS~TAVIRA. Tel: 960 375 419

FO R SA LE Caravan for sale. 4.8M. 4 Berth. Excellent condition. Tel. 916 949 826.

Orbea Onix full carbon road bike, Frame size 51 to suit male or female 5ft 4in to 5ft 9in tall. It has 20 speed all shimano groupset and crankset This bike is ultra light with an all carbon frame,seat post and stem, alloy rims, shimano SPD cleats, selle italia saddle, QR wheel set front and rear, 700x23c tire size..

Recently fully serviced by NV bikes Olhao, Lifetime guarantee on Orbea frame, please email me on john.howard@hotmail.co.uk for pictures or call 918122051 to view Euros 900.00 Ford Transit, crew cab pickup, port reg, insp nov 2016, 1000€, tel 965133234 or email halcyon1@live.co.uk Entire contents of townhouse, central Tavira, furniture and white goods, tel 965133234 or email halcyon1@live.co.uk Cream Leather 5 seater corner sofa v.g.c 150.00 Ono. Email pandbsaines@ btinternet. com CRICUT IMAGINE PRINTING/DIE CUTTING MACHINE used, but in excellent condition and complete with: 1 x new packaged mat. 17 x Cartridges, Original tools, operating instructions and cables. (Requires connection to a computer for updating and calibrating). €250 email: valleyview67rm@ yahoo.co.uk telm: 932874483

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BEST PRICES PAID FOR PORTUGUESE OR FOREIGN REGISTERED CARS

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email: paul.titcombe@hotmail.co.uk

Opel Astra roof bars to fit 2009-2015 model, These have been used twice since new so are in perfect condition, both bars are lockable on both sides .Based in Fuseta but can deliver within reasonable distance .Euros 30.00 contact 918122051 or john.howard@ hotmail.co.uk 2 Universal earthing mats – 50 euros. Tel. 281 – 961 854

ACTI V ITI ES YOGA & PILATES - contact Hazel on 91 307 5555 or email: hazel.devine@ntlworld.com for details Scottish Country Dancing at the Casa do Povo Moncarapacho, Thursdays 5.30 ~ 7.30PM.Tel 289 791 998 or 914 798 833 or email mabstansb@iol.pt Painting for pleasure. Beginners onwards every Wed 10.30-12.30 Mesquita, Sao Bras T. 289 845 561

CLASSIFIEDS ARE FREE

for private advertisers ONLY. ANY Business adverts are free for one month only.

Email Ads to info@eastalgarvemag.com (Max 9 words for free ads) 50

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

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Vistas restaurant offers a complete gourmet experience, providing the ultimate in gastronomic delights with a unique ambiance and uncompromising level of service. The celebrated and award-winning chef Jaime Pérez remains true to his creed that "only the best is good enough" while using the freshest local ingredients and focusing on Mediterranean cuisine.

Monte Rei Golf & Country Club · Sítio do Pocinho · Sesmarias · Apartado 118 · 8901-907 Vila Nova de Cacela · Portugal Information and reservations T. +351 281 950 950 · info@monterei.com · www.monterei.com N 37º 12’ 16,75 / W 7º 33’ 4,31