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OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO
ISSUE NO. 133 JANUARY 2020
It’s a New Year. Is it time to review your financial planning? Regular reviews are instrumental to successful wealth management. Tax and succession regulations change regularly – are your arrangements up to date? Is your investment portfolio suitable for your current circumstances and today’s investing world? At Blevins Franks we specialise in strategic financial planning from a holistic perspective. We start by discussing your situation and concerns, then analyse your residency, domicile, cross-border taxation, financial structuring, pensions, and estate planning wishes before outlining our personalised recommendations in a detailed report.
Talk to the people who know ALGARVE
289 350 150 portugal@blevinsfranks.com Blevins Franks holds regular events in Portugal - contact events.pt@blevinsfranks.com to find out about upcoming events in your area.
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I NT ER NAT IONA L TA X A DV ICE • I N V E STM ENTS • E STAT E PL A N NI NG • PENSIONS Blevins Franks Financial Management Limited (BFFM) is authorised and regulated by the Financial Conduct Authority in the UK, reference number 179731. Where advice is provided outside the UK, via the Insurance Distribution Directive or the Markets in Financial Instruments Directive II, the applicable regulatory system differs in some respects from that of the UK. Blevins Franks Trustees Limited is authorised and regulated by the Malta Financial Services Authority for the administration of trusts and companies. Blevins Franks Tax Limited provides taxation advice; its advisers are fully qualified tax specialists. This promotion has been approved and issued by BFFM.
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Multi-award winning luxury estate agents in 350 locations worldwide
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To find out more about our marketing, or for a free market appraisal on your property, contact Fine & Country Tavira
FINE & COUNTRY TAVIRA (Fine Estates Lda) AMI 11564. Avenida Engenheiro Duarte Pacheco, n.Ëš54, 8800-537 Santa Luzia Office Tel: 281 023 263 | tavira@fineandcountry.com Emmanuelle Deschamps 919 025 200 | David Holder 919 004 100 Central Algarve (Almancil) 289 396 096 | West Algarve (Carvoeiro) 282 341 140 | algarve@fineandcountry.com
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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
Welcome... ... to your January issue and indeed 2020. After a difficult year I must say I'm pleased to see the back of 2019. It's been a tough year but as we move into the new decade, the East Algarve continues to go from strenght to strength. This year we are looking for your help. If you know of that special place, be it your favourite restaurant, bar or shop, in fact any small business you love, we want to know about it. If you know of someone who's doing a great job and could do with some free exposure, let us know and we'll pop along and run a short article about them. All we need from you is a quick email to info@eastalgarvemag.com stating why you think our readers should know about them. I hope you enjoy this issue, and we wish you all the best in the year ahead.
Unipessoal Lda
FAÇA AS SUAS MANHÃS,
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Richard Bassett, Editor
UMA MANEIRA DISTINTA DE
MANHÃS AINDA MAIS ESPECIAIS!
TERMINAR O DIA, COM VINHOS E COMPANHIA
Make your mornings, mornings even more special!
A distinct way to end the day, with wine and company!
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Contents
6 8 10 12 14 16 22 24 30 34
NEWS Local news.
PETS Caring for an older pet. HEALTH Linda Finch from Happy Mind Therapy. HEALTH Exercise tip from Carly Richards.
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PEOPLE Beth Jackson meets Yngve Horn. PLACES Maria Flaminga organic farm & shop.
PROPERTY Downsize without compromise.
38 40
PROPERTY Property of the month. PLACES Loulé salt mines. TAVIRA Find our advertisers on the map of Tavira. ART Artist of the month. GARDENS Mediterranean gardens.
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CURRENCY News from GC Partners. FINANCE Finance news from Blevins Franks.
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FINANCE Finance news from Ricardo Chaves.
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FINANCE Financial advice from deVere. SPORT The latest from Chris Wright. SPORT Padel Tennis. CLASSIFIEDS Grab a local bargain.
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News
‘Give box’ promotes trade of second-hand items at Tavira market
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New festival to highlight beauty of Algarve’s almond blossom
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new hiking festival that aims to highlight the beauty of the Algarve’s blossoming almond trees will be held for the first time in the rural community of Alta Mora in Castro Marim. Taking place on the first two days of February, the ‘Festival das Amendoeiras em Flor’ is being organised due to the massive success of a series of hikes held in the area focusing on exploring almond blossom routes. The festival is part of the “365 Algarve” cultural programme, which highlights events in the low season. Another goal is to showcase the potential of the Algarve’s inland and hilltop areas as a tourist attraction. As organisers explain: “Midway through January, we see the Algarve’s landscape changing. While
With a huge selection of gifts, mementos and traditional Portuguese ware, Aroma Loja is your one stop shop to ensure a visit to Tavira is remembered. Visit our three shops in Tavira or our website www.aromaceramica.pt
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usually covered in shades of green and brown, fields start to be covered in shades of pink and white from the almond trees in bloom, providing one of the season’s most beautiful landscapes.” Organisers also hope that the event will encourage the plantation of more almond trees in a bid to bolster the potential of the almond as one of the region’s iconic products. Apart from the many hikes that are planned, the festival will also feature street entertainment, workshops, delicious food and live music. There will be a €14 fee to take part in the hikes which will include breakfast, lunch, beverages and insurance. Price for children aged six to 12 is €8. For more information, contact Associação Recreativa, Cultural e Desportiva dos Amigos da Alta Mora (ARCDAA). 965 284 657 | arcdaa@gmail.com
‘give box’ has been set up at Tavira’s municipal market, encouraging people to donate items that they no longer use. The idea is that anyone can leave an item inside the box in the hope that it will be taken by someone who wants or needs it. “We all have things that we no longer want and are in good condition, but we do not know what to do with them” says the main promoter of the initiative, Associação Fazedores de Mudança. “In this era of mass production which goes way beyond our basic needs, there are tons of objects that are quickly discarded which could still serve their purpose” it explains. However, only items that “are useful and in good condition” should be left inside the box, such as books, CDs, vinyl records, toys, schoolbooks and school supplies, games, clothes, kitchenware, household items, tools and even bicycles. Food, medicine and broken objects should not be left inside the ‘give box’. The initiative is promoted by Associação Fazedores de Mudança with the support of Tavira Council, Tavira Parish Union and CNEAgrupamento 100 de Tavira. michael.bruxo@ algarveresident.com
Facebook: 'Aroma Lojas' Telephone 964 304 622 For locations see the map on page 34
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WINTER SALE TAVIRA www.eastalgarvemag.com
KOZIISHOP.COM 7
Caring for an older pet Pet care during the festive season
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ur oldest dog (Harvey) turned 15 just a few weeks ago, which is equivalent to about 80 HOOMAN years. We’ve had Harvey since he was a puppy of just 8 weeks so the way we look after him has obviously changed in that time, increasingly so in the last few years. We wanted to share our experiences in the hope it will be of help to others with older pets. One of the biggest changes has been to how we exercise Harvey. Gone are the long country walks and instead we now give him shorter, but more frequent walks, as these are better suited to his energy levels. What’s been of particular interest has been how bored Harvey gets with walking the same streets every day, even though he’s only lived in Portugal for little over a year! It has been lovely however to see how his energy returns when he visits somewhere new and of course, with a trip to the beach. So instead of a long walk, we’ve taken to driving Harvey somewhere new, for a shorter walk with new smells and experiences, something he really enjoys. Our grooming of Harvey has changed considerably. He no longer has the patience for a two hour groom every couple of months, so instead we provide him with more frequent and shorter grooms. We encourage the same with the older dogs we groom - many older dogs appreciate and need a regular brush and pamper, but become restless with a longer groom. Harvey has been deaf for several years and his eyesight is failing. He also has issues with his back legs which are weakening. Our Tavira based vet has been excellent and regular visits to the vet and supplements have helped with his legs, enabling him to live a relatively normal and enjoyable life. We have also kept a
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close eye on his paws and nails to keep them in check. As he is walking less his nails are growing much quicker, so we keep them well clipped, as nails which are too long can cause discomfort. Without proper care, dental disease can pose a problem, particularly for older pets. Indeed, veterinarians find evidence of dental disease in many pets as early as 2-3 years of age. If nothing is done to care for your dog’s mouth, by the time your dog is older he may even have lost some teeth. Dental disease can also be painful, causing difficulty when eating. Regular brushing and professional cleaning – such as that we provide at The Spotted Dog - can prevent painful dental disease and decay. If your dog doesn’t enjoy having their teeth brushed, consider dental treats and toys instead. Harvey’s diet has improved, with the help of our vet who diagnosed him with a vitamin deficiency. We now feed him the Hepatic dry food which at €60 for 12kg is not cheap, but it helps his digestion and the little man is worth it. We also work hard to keep his weight in check, so we’re far more sparing with those little treats. Finally, we take particular care with Harvey’s bedding to make sure it is nice and clean – he is prone to the occasional accident – and during these cooler nights we keep the heating on to make sure he’s comfortable. Just as modern medicine has extended the lives of us HOOMANS, with the right combination of attention and preventive care, it can also extend the lives of our pets and give them a good quality of life as they grow older. By having your pet professional groomed on a regular basis, and brushing them between groomings, you can optimise your pet’s physical and mental health.
More information on the benefits of professional dog grooming is available on our website at: https://www.thespotteddog.net/
THE
Spotted DOG Providing professional dog grooming and pet care services in a relaxed and loving environment ● Dog grooming
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City & Guilds qualified Located in Tavira and offering mobile services throughout the Eastern Algarve The Spotted Dog Tel: +351 281 324 576 +44 7568 190363 Email: Dominic@thespotteddog.net www.thespotteddog.net
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Art For Everyone Telephone 96 201 2111 www.taviradartes.com taviradartes@gmail.com Find us at Travessa Jacques Pessoa, 8, Tavira, 8800-374.
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Health
Happy Mind Therapy Meet Linda Finch from Happy Mind Therapy
T
his month we proudly introduce Happy Mind Therapy. Led by Linda Finch, experienced Lead Psychotherapist with over 30 years in the health and wellbeing industry. Seasoned in discovering the solutions for ‘life’s little glitches.’ Areas we can help with: Anxiety, Depression, Panic attacks, Phobia’s, OCD and many more, see our website for more details: www.happymindtherapy.co.uk Specialising in an array of Gold standard, NICE (National Institute of Excellence in the UK) approved therapies, including;
· · · ·
Cognitive Behaviour Therapy (CBT) Mindfulness Therapy Relaxation Therapy Collaborative and Problem-Solving Therapy (CPS) · Sleep Therapy · Psychotherapy · Group therapy Suitable for both adults and young people, Happy Mind Therapy aims to help change how one thinks and what one does. These are often small changes that really can help the feeling of increased wellbeing and lead to a happier life.
Unlike alternative psychological approaches, Happy Mind Therapy focuses on the "here and now" problems and difficulties. Instead of focusing on the causes of distress or symptoms from the past, Happy Mind Therapy looks for ways to improve mental well-being in the present. Offering a free initial 20-minute telephone consultation, please visit our UK website to get in touch: www.happymindtherapy.co.uk Here at Happy Mind Therapy, we believe that a Happy Mind leads to a Happy Life.
LAGAR
SANTA CATARINA Coming Soon to the Algarve in 2020... Happy Mind Therapy – the Specialists in CBT, Mindfulness and Psychotherapy. Introducing Linda Finch, a British trained and Accredited Psychotherapist. RN, BSc, MSc, MBABCP Easy Access, No waiting lists, Tailored Therapy Both Face-to-face and Virtual therapy (via Skype, Face time or Phone call) solutions are only a click away. Visit our website today www.happymindtherapy.co.uk
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Olive oil made from the olive trees owned by the local residents and farmers of the East Algarve region. Olives are processed at the Mill (lagar) in Santa Catarina, Tavira, where the highest quality oil is produced. Contact Lagar Santa Catarina to find your nearest stockist. Rua Dr. Almeida Carrapato, nº 25 8800-166 Santa Catarina da Fonte do Bispo, Tavira – Algarve renato@lagarsantacatarina.pt TEL 966 781 094 / 281 971 122 WWW.LAGARSANTACATARINA.PT
Portuguese lessons for Expats in the East Algarve Portuguese teacher All levels taught... (Individual or group lessons) Make your first appointment via whatsApp or call + 351 963 716 948
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Places
Boutique,Tavira Florentinta Boutique Rua Borda D'Aguas Da Asseca 12, 8800-325 Tavira T. 281322093 M. 962591016 www.florentinta.com
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Health
The
press UP
So after all the festive indulgences here’s January’s exercise tip.
L
et’s continue with the wall squat from December and add in a press up! These can be performed anywhere as it’s another body weight exercise and they can be performed various ways! Up against a wall or as a box press up on the floor are the easiest. Then you could go for how I’m doing it in the picture or on a park bench; just make sure it’s a stable surface. Do a three quarter press up on the floor then into a full press up! You want to keep your hands out to the side in-line with your chest, elbows at a
Carly Richards
90 degree angle, keep your core braced at all times and make sure to keep your body in-line and do not allow your hips to drop down as this will put pressure on your lower back! Breath in as you lower your body towards the floor and exhale as you use your muscles to push back up to the start position again! Try and perform these for a minute! If you would like to find out more and book a consultation, contact me on carlyrichards@yahoo.com or call on 926617732 Wishing you all a happy and healthy 2020.
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People
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dancer in a later
stage of life J
oining a friend one Saturday morning at a market cafe, I was introduced to Yngve Horn, a former ballet dancer who now enjoys retirement in Tavira. This month he honoured me with an interview. Beth: What inspired you to make that huge effort to become a ballet dancer? Yngve: My father encouraged me in sport, in everything, skating, swimming, and especially in gymnastics. You know, you have different disciplines, like working with rings or ropes, or the horse, and then you have freestyle on the floor. This was my weak point, and so my father sent me to a ballet school to help me stretch my tendons. I didn’t know what ballet was! He hardly did. Beth: Okay! Yngve: It was the Norwegian Opera Ballet School, the first year it opened. I was ten years old. There were nearly three hundred and fifty girls, and four boys. I fell in love with one of the girls who was half Indonesian half Norwegian. She went on to become a prima-ballerina. We still talk on the phone now, fifty years later. Beth: What an incentive! Yngve: After one year it was the world championship of winter sports in Norway, so they had an opening session in Norwegian National Theatre in Oslo with what was called a “Ski Ballet” and I was one of four kids chosen to dance in it. I had hardly ever been in a theatre in my life but suddenly I found myself on stage with a lot of famous actors, singers and dancers, and I thought “This is my life! This is what I want!” Beth: And you had a memorable moment with Rudolf Nureyev at a young age didn’t you? Yngve: Four years later in the National Ballet, I was standing there, in the third act of Swan Lake when Nureyev entered stage with a splits jump over my head! I couldn’t believe it was possible! We had been
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rehearsing together but he hadn’t done that! He was like a god, but when we were working together he was so friendly and down to earth. A really good guy. I was was very impressed with him as a dancer; I still think he was the best dancer ever. He had the reputation of being arrogant, but to us, no…he treated us as equals. He was a very modest person. Beth: Even when you were fifteen? That’s lovely. Yngve: I was on contract to the company from then on, but I was uncomfortable with traditional ballet. I was a rebel. I didn’t want to be prancing around in white stockings. Then a choreographer arrived who gave me the opportunity to produce my own ballet. I based it on a song by Eric Clapton, “Let it Grow”, but I used other music. It was very successful. Beth: At sixteen! Yngve: Yes. And there were other successful pieces after that. Beth: I heard that you were overwhelmed by fans in Italy, like the Beatles used to be. Yngve: (Laugh) Yes, we were a Swedish Company in the late 70’s, which was very popular, and sometimes we used to have police escort to get out of the theatre. Beth: Ballet is sometimes compared to gymnastics. What do you think? Yngve: Yes, physically, but when you are a dancer it’s not a competition. When you are performing you are expressing something. You are communicating with the public. That’s a big difference. Beth: Margot Fonteyn said that the world of dance is a charmed place. Did you find that?
Beth Jackson shares a few stories with retired ballet dancer Yngve Horn
Yngve: Yes. It is really hard work physical and psychological, but at the same time when you get there it’s almost that you come to another space of life. Beth: She also said that ballet is not a profession, it is a way of life. Did that cost you in your family life? Yngve: I was married once for a very short time. I have lived with 8 women! Beth: You’re not gay then! Yngve: No, but I once made a gay pas de deux which is the only ballet piece that has ever been debated in the Norwegian parliament. That still amuses me. Beth: Do you miss the ballet? Yngve: When I first stopped I was dreaming about it. Not every night, but a lot. I am okay now. Beth: And now, how do you see yourself Yngve? Yngve: I am a rebel. I am an enthusiastic/ melancholic teenager clown in a tired old wrapping. That’s what I am.
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Places
MARIA FLAMINGA Organic farm shop specializing in vegetables, fruit, fresh eggs, herbs, and chemical-free succulent plants.
I
sabel Pedras Ribeiro is a native of Valenca, a city of 15,000 inhabitants on the northern border of Portugal and Spain. At the age of only 4 years old, a family friend noted Isabel's love of the outdoors and in particular gardening, stating that she would one day become a farmer. Isabel was educated at local schools and at UTAD – Universidade de Trás-osMontes e Alto Douro – in Vila Real where she graduated in 2000 in Agricultural
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Engineering. Between 2000 and 2015 she worked in emerging areas of animal husbandry and agricultural technology, including specializing in disease monitoring and pest control. This work had particular reference to transitions from mainstream to organic horticulture, where the ability to protect plants without conventional pesticides is critical. Other areas of involvement included implementation of Global G.A.P., the
worldwide standard for Good Agricultural Practices; supervision of tomato production; the introduction of auxiliary insects for innovative biological pest control. In 2016 she took over the operation of Maria Flaminga Organic Farm, a seven-hectare tract in a city-centre location in Tavira, the site of a former agricultural research station, where she supervises the growing, marketing, and distribution of a wide range of organic fruits, vegetables and herbs.
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Places
Located just behind Aldi supermarket, the rustic farm building is a welcoming place for all visitors. You will be greeted by either Isabel, Maria Landis or Jim Landis; friends who are always on hand to help. All products available are fresh farm produce with no chemicals used during production and are hand picked daily. The farm is constantly evolving and Isabel is in the process of creating new tomato greenhouses, increasing her advocado production and growing a larger selection of fruits, The whole farm is self sufficient with its own water supply. To find Maria Flaminga is simple. Aldi supermarket is just off of the EN125. Take the small road along side Aldi and the farm is 100 meters down on the left. We hope you find some time to visit the team, and enjoy healthier eating in 2020. Contacts: Tel: +351 912 861 246 Address: R., de S. Pedro, 580A TAVIRA Facebook: Maria Flaminga Hours MONDAY-THURSDAY; SATURDAY 09:00-14:00 FRIDAY; 09:00-17:00 SUNDAY-CLOSED
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Blessed are‌
How can we be one of the blessed
According to Jesus?
Come and delve and search and study His sermon and ďŹ nd out.
Join the discussion
As we look into
Above (from left to right): Carlos Garcia, Isabel Pedras, Jim Landis and Maria Landis. Left: Nina has been with Isabel and the farm since it opened.
The Sermon on the Mount
Have a light meal and pass time at our house
Martin and Beth Jackson
Beth 966 807 604
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www.bestcartransport.eu Regular Car Transporter Runs between Ireland & Spain/Portugal. Our transporters run on fixed days throughout the month, ensuring you know exactly where your vehicle is, at all times!
Best Car Transport, Portugal Office, Rua Almirante Cândido dos Reis,Tavira, Algarve, Portugal, 8800-318. Telephone 00351 920 376 096 email: bcttransport.eu@gmail.com UK Telephone 0044 730 9756 795 BCT Transport Ltd.
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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
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V I L A MO U R A
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n average a person moves house 8 times during their life time mainly due to changes in lifestyle. Some want to be closer to amenities and/or family and friends, while young families may have outgrown their home and need a larger property as their family grows in size. When the children have grown up and left, a family home that was perfect before can become a burden due to high running cost, maintenance and condominium fees. As one is getting older the work in the garden especially can become too much. Downsizing or rightsizing is the next step and when living on a countryside location this often goes hand in hand with relocating to a town or city where all amenities are nearby. Releasing equity by buying a smaller property and/or moving to a cheaper location could sometimes be beneficial too. Whatever the reason for moving home might be, it remains a stressful event for many people. This is particularly true when you are downsizing. Often people prefer a more or less similar home with spacious living room and kitchen but fewer bedrooms/bathrooms and a smaller, low maintenance garden and ideally in a central location where one does not need a car all of the time. Moving from a tranquil countryside location with lovely garden and swimming pool to an apartment in a high density residential area in town center with busy traffic is not everyone’s cup of tea. Finding the right place is a balancing act not to be taken lightly. There are many coastal towns in the Algarve to choose from depending on your requirements. The picturesque fisherman village of Cabanas de Tavira offers slow living, only low-rise buildings, a very nice boulevard along the waterfront of the Ria Formosa Natural Reserve Park with many small cafes, great fish restaurants and a short boat trip to beautiful sandy beaches might just be what you have been looking for. New developments are mostly a 10 to 20 minutes walk from the waterfront, so when a front-line opportunity comes along to buy newly build apartments and penthouse
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Property
COMPROMISE apartments with the most amazing views of the lagoon and the ocean, one should pay attention. Land and Houses Algarve - Yellow Homes are pleased to announce that we have a total of 23 apartments for sale, all to be developed with superb quality of finishing’s front-line to the Ria Formosa Natural Reserve Park with stunning views over the lagoon towards the sea. An idyllic location where you hear the sea and the seagulls when you wake up in the morning. Cabanas is located between the beautiful historic towns of Tavira and Cacela Velha and only a 40 minute drive away from Faro airport. The spacious 1, 2 and 3 bedroom apartments are part of a gated condominium with infinity pool (salt water system) and a garden with lawn. The south / east and south / west facing apartments consist of a hallway leading to the light and bright, good size living room with integrated dining area and adjacent fully fitted and equipped modern kitchen (AEG appliances and Silistone work top) all in open plan, one/two/three double bedrooms with
By Robert Bijker, Director of Land and Houses Algarve and Yellow Homes
built-in wardrobes and two/three bathrooms (one/two en-suite). Large sun terraces and/ or patios. The apartments have the highest energy efficiency: Class A+, which is an extraordinary achievement considering the large glass windows. Unique location, excellent thermal and acoustic insulation, large terraces with good sun exposure, solar energy for hot water, false ceilings with builtin LED lamps and ambient lighting, fully equipped high-end contemporary kitchens, electric shutters (with central control), surround sound, underfloor heating and electric towel rails in bathrooms as well as suspended sanitary ware of Villeroy & Boch, air conditioning in all rooms. The driveway leading to the automatic entrance gate into the garage has a gradual inclination suitable for cars with low suspension. Furthermore, electric/hybrid cars can re-charge in the garage. Datasheet with technical information of construction materials and equipment as well as payment conditions are available on request. The monthly condominium fee will
be approximately Euro 50 per month due to the high energy efficiency of the building and communal areas. Completion Q1 2021. Construction: From approx. 70 m2 to 155 m2 (excluding 15 m2 to 224 m2 terraces and 1 or 2 parking space(s) in underground garage) T1, T2 and T3 apartments from €280.000 to 530.000 T2 and T3 penthouse apartments from €640.000 to 990.000 For more information please contact us. Viewing only by appointment. 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: 289 301 294 Fax: 289 301 439
A reliable real estate agent simplifies your life! FASTIGHETSBYRÅN TAVIRA +351 281 322 762 RUA 1º DE MAIO, No 13 FASTIGHETSBYRAN.COM
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Property
Property of the month
Restored 4 bedroom Manor house & guest house with workshops. Sitting in 3.3ha of land with an avocado plantation.
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RUSSELL & DECOZ REAL ESTATE Tel: 00351 289 792 785 Mobile 963 085 580 Email: sales@russell-decoz.com Here is something special with echos of the past and a Manor House air about it. Providing 4 bedrooms in the main house & a separate little guest house for your family & friends. A property with character, we hope you like avocados..
* Borehole * well * irrigation tank * cistern * water softener * Telephone * TV and internet * wood burner * open fire * ceiling fans * walled & fenced * cobblestone driveway * carport * greenhouse * BBQ * mature gardens * Large avocado plantation on a contract providing a small income and as many avocados as you can eat! All in all a lovely property. REF: HOME1867 LOCATION: Estoi ENERGY CERT: D PRICE:
€795.000
www.russell-decoz.com
27 years @russelldecoz
Property required in São Brás, Moncarapacho, Estoi to Tavira area, please call or email. www.eastalgarvemag.com
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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
NEW INSTRUCTION INVESTMENT POTENTIAL
IMPORTERS / DISTRIBUTORS after sales services, repairs and maintenance
info@agabras.com 917812155 Rua Boaventura Passos, Nº 18 R/c 8150-121 São Brás de Alportel
VILLA WITH SHARED POOL, MANTA ROTA 259.000€ REF 2559 • Just 10 villas sharing a pool • Air conditioning • Central vacuum system • Roof terrace • Two reception rooms
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
2 BED. /TOP FLOOR APARTMENT W/ SEA VIEW - CABANAS - Built in 2004 but in impeccable condition. Large terraces (14.60m2 + 24.80m2). Sold furnished and equipped. Within walking distance to beach access and all amenities. ENERGY CLASS - D €228.000
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• Four bedrooms in total • Master with en-suite • Rear patio with bbq • Only 700 metres to the beach
Algarve roof & property renovations From leaks in roofs and balconies, to complete renewals. Guttering supplied and fitted, flat roofs specialists and complete property renovations inside or out; All maintenance work, painting, jetwash service etc. Call Jason Tel: 960 136 445 or 281 324 602 jasonash1970@gmail.com
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TAVIRA SUITES, A fabulous new concept for Tavira 2020 by Smartavillas Exclusive Living in the Heart of Tavira Visit our Open House Viewing Event, Thursday 23rd January, 2020 between 3pm & 7pm For further information and bookings email: reservas@tavirasuites.com
6 Apartments available for holiday rentals, perfectly located in the centre of Tavira, opposite the church in Bishops Square (Jardim Alagoa) Address: Travessa dos Fumeiros d'Diante
Contact Smartamoves: Mobile +351 915 744 005 Office +351 281 027 082 Email: geral@smartamoves.pt
Rua Maria Helena Vieira da Silva 15-D Mato Santo Espirito 8800-601 Tavira
3 BEDROOM VILLA IN SANTO ESTEVÃO
Excellent 3 + 1 bedroom villa situated in a small village 10 minutes drive from Tavira, with ample outdoor space, including garden, swimming pool, own parking and BBQ area. The villa commands an excellent south facing position, with fantastic panoramic views over the countryside and sea. It has a large living room with access to the pool, outside covered terrace and views, perfect for summer evening al fresco dining. There is also a dining area adjacent to the kitchen, fully equipped and with outdoor access. It has 3 bedrooms, all with A/C, 2 with terraces & views, plus 1 additional annexe bedroom.
€450.000
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2 BEDROOM APARTMENT IN CONCEIÇÃO DE CABANAS
Spacious apartment with two bedrooms and two bathrooms for sale in a gated community with access to a swimming pool in Conceição de Cabanas. This apartment has a large living room that leads on to a balcony over looking the swimming pool and a well-equipped kitchen. Both bedrooms are a generous size with built in wardrobes and access to a balcony, which provides plenty of sunlight.
€170.000
BEAUTIFUL VILLA WITH SWIMMING POOL IN A QUIET LOCATION
3 bed villa in a gorgeous rural location with spectacular views, 10 min drive from Tavira. Ground floor: lounge, dining area and kitchen, all open plan, a guests wc and bedroom with en suite. Access from kitchen to garage with parking space, large games room. Garage can be converted into a small ''granny flat''. 1st floor: 2 en suite bedrooms. All bedrooms have built in wardrobes, a/c and access to balconies. Plenty of terraces around the house, BBQ area, grass around the saline pool. Registered Holiday Rental Licence and preinstallation for central heating.
€425.000
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AMI 8799
LwL Properties.com, Nº40a, Rua 1º de Maio, 8800-360 Tavira Office: 00351 281 327 656, Voip: 02070999193 Email: info@lwlproperties.com Web: www.lwlproperties.com
Luxury 2 Bed Quinta with Wooden Cottage & Plunge Pool – Luz de Tavira, 450.000€ Ref: 4767249 A hidden gem just a short walk from the charm and facilities of Luz de Tavira, whilst making you feel like you are tucked away in your own little bubble. Top quality build, spacious, bright rooms in the main house, extra space for visitors or an office in the cottage, an orange grove, and stunning private gardens, this house is very much worth seeing.
Modern and Spacious Three Bedroom Villa - Olhão 475.000€
Ref: 4741965 This beautiful villa is located in a small urbanization on the outskirts of the town of Olhão, with all amenities within walking distance. It sits centrally within a good sized and easy to maintain plot, with enough space for an above ground swimming pool. It would be great as a family or holiday home. Really worth a visit.
LUZ DE TAVIRA Second Floor, One + One Bedroom Duplex Apartment in the Marina, 299.500€ Ref 4770857
VILAMOURA
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This fantastic one + one bedroom apartment is nestled between the buildings of the Marina, meaning it is in a very exclusive location, with everything within an easy walk. Marina beach is two minutes away and the stunning Falésia beach is only a ten minute walk. This apartment is ideal as an investment for renting or as a holiday property
OLHÃO
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A FINE SELECTION OF PROPERTIES FROM ALL PRICE RANGES.
DO YOU WANT TO SELL YOUR PROPERTY? Call us today on 927617131 or email us at info@pattersonproperties.pt WWW.PATTERSONPROPERTIES.PT
FOR SALE
Ford Explorer Eddie Bauer model - 4.6L Petrol, Automatic 4x4. 2003 - 7 Seater
Genuine 67580 miles (Approx’ 105500kms ) with service history , MoT’s and invoices of new parts. UK Registered in 2005 , after imported from Canada. The condition is excellent inside and out with recent new tyres, brake pads, wheel bearings and shock absorbers, in the last year. Offers in the region of €7,500 email: alanamigo@outlook.com
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3 bedrooms apartment Tavira centre 115sqm good size flat with terrace Parking place on garage. Near all facilities 260.0000€
Old house to be renovated 515 m2 land. Facing river only 700M walking to center Worth a visit!!!! 250.000€
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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The recently-opened salt mines in Loulé are gathering a growing audience curious to see what is being labelled as a spectacular experience. Brian Redmond did his homework first, then donned a hard hat, and went down to see what was creating such a stir. He was impressed
B
SALT OF THE EARTH
ack In 1893 an Austrian geologist, Eduard Suess proposed the theory that an ancient and ultimately extinct inland sea had once existed between Laurasia (essentially North America, Europe and Asia) and the continents which formed Gondwana (South America, Africa, India and Australasia) some 350 million years ago. He named it the Thetys Sea. In the early 20th century, scientists regarded the sea as a large shallow trough running along and through two continents. In the 1960s the new theories of plate tectonics provided an explanation for the disappearance of the sea, stating that: “an oceanic crust can sub-duct under
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continental crust”. These crusts and plates are still active today and are what cause up to 15 or more seismic occurances in this part of the world every year. The Thetys Sea did disappear but the salt in it remained, became compacted and turned into rock formations or ’salt domes’ as they are known, that intruded vertically into surrounding rock and earth. One of these domes is present, 230 metres below ground under the Algarve, beneath the town of Loulé. It was discovered in the 1950s, when wells were drilled into the aquifers in the area of Campina de Cima in search of a good water supply that would sustain the needs of a
plan to raise herds of cattle in the area. The water was found to be highly saline and it was concluded that the salt was coming from large rock salt deposits deep underground. In 1963, the company CLONA Mineira de Sais Alcalinos, S.A was formed to begin commercial exploration. In 1964 they hired specialist miners from the about-tobe defunct Minas de São Domingo in the Alentejo to begin digging two access shafts 800m apart which, in 1966, were joined at a depth of minus 230m that would allow efficient ventilation for the explorations of the mine. Mining began in earnest immediately using the proven-safe ‘chamber and pillar’
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Places
method. This system ensures that a mine is stable and secure by leaving huge walls of rock salt to support the roof. A VAST STRETCH After more than 50 years of exploration and extraction, the corridors or avenues of the mine stretch out over 45km and the mine itself covers an area of 1,200 hectares. To visualise its reach from landmarks on the surface, it stretches from the Cilindro roundabout on the road to São Brás de Alportel down to the roundabout that leads to Almancil and to Faro; essentially, it is below MatDiver, the Centro Hípico de Loulé, Continente supermarket and the lands around, and also to the west – to the EDP
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Distribution Centre, Restaurant Oliveira and the Padaria Campina. The western limit does not extend under the old town itself but stops at the entrance to the mine behind the EDP lot. Obviously, at 230m or 755ft underground, the activities of the mine can never pose a threat to activities on the surface. In the early days of exploration, the mine employed 200 people. The extraction process was labour-intensive using the ‘cut and blast’ technique which involves cutting a line near the base of a mine face and drilling holes at strategic points, then inserting an explosive cartridge of ANFO explosive – a mixture of fertiliser (ammonium
nitrate) and diesel. An electrical detonator is inserted and the base of the wall is blown away. When the rubble is cleared the same process is used on the higher section of wall. The resulting debris was not uniform in size and so men had to break it down by hand with hammers to make it into manageable pieces. Nowadays the method is called ‘continuous mining’ and it produces smaller pieces of rock using a machine similar to those that are used in drilling tunnels. It bores into the rock salt extracting lumps that are then crushed, filtered and graded into marketable sizes from 1mm up to 8mm. These rotary cutting machines, the belt conveyors, dump trucks, transport machines
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and all the other service machinery, by virtue of their sizes, would be dismantled at ground level before being lowered into the mine and then reassembled piece by piece. At Mina de Sal-Gema de Loulé, there is a fully-working workshop making repairs down in one of the mined galleries. Other mined galleries are used as storage points for the finished graded material. This is an ideal solution because of the space that is needed and also because the product is being stored in a low humidity environment at an ideal and constant temperature of 23ºC. BREATHING SPACE The mines environmental conditions also have therapeutic values in the treatment of
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patients with respiratory conditions such as asthma. One such patient was the daughter of a professor from the University of Fine Arts in Porto who, as a gesture of thanks for her treatment, carved an intricate sculpture into the rock face. There have been other artistic installations at the mines including a film festival in 2007 based on the themes of claustrophobia and terror. The audiences were invited to watch movies such as Phonebooth, The Panic Room and The Night of the Living Dead. The screenings then were limited to 40 guests, unlike the 400 spectators who descended to listen to the jazz pianist Mário Laginha who performed there in 2016 as part of the Loulé Jazz Festival. He lauded
the venue as having exceptional and perfect natural acoustics. The audience who attended the jazz gig, all 400 of them, were transported down and up in the personnel access lift that carries six people per load with a journey time of two and a half minutes; it took five hours of that day. The current owners of the mine, Tech Salt S.A, supplies the mined salt to different markets and applications. The product is used principally in animal feed, and de-icing of roads servicing the markets in Portugal and Spain; in addition, it serves as a harmless weed suppressor in urban settings such as footpaths and open spaces. The company has also been engaged in opening
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the mine site as a tourist attraction. A SIGHT LIKE YOU’VE NEVER SEEN Visitors to the mine are equipped with a helmet and miner’s lamp plus a highviz vest before taking the elevator down underground. The smooth journey takes you past initial layers of concrete and then brick until you reach the rock salt layer which is brown in colour. Once you arrive at minus 230 metres, a professional guide – in our case Adriana – tells an informed and fascinating story about this breathtaking undergroundscape. The place is nothing short of spectacular! Long broad avenues up to 1.2kms long between the pillars and chambers are laid out like a city grid.
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The sounds of machinery come out of the darkness and now and again a transport truck zooms past . The avenues are broad, up to 12m wide. Miners headlamps dart around in the distant darkness. The visitors area is 1.3kms in length and is illuminated by overhead lighting at intervals along the way. One spectacular gallery contains hundreds of saline stalactites and is beautifully lit as is the concert chamber in warm glows that pick out the beauty of the rocks on the floor the walls and the ceiling. All salt. At 30m or 100ft below sea level, these live mines of Mina De Sal Gema are a truly unique experience, right under our feet in the Algarve, below Loulé.
Mina de Sal-Gema de Loulé Rua dos Combatentes da Grande Guerra nº 80, Loulé T: 914 534 750 E: mina.sal.gema.loule@mail.com The two-hour walking tour covers 1.3km, with explanations in English, French and Portuguese. Tours are run Monday to Friday at 9am, 11am, 2pm and 4pm Adults: €25 Children aged 8 to 12: €15 Loulé residents: €15
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Cara's Salon
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Ruy Barros
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c Tavira Câmara t Tourist Information
BARS & CAFES 1 La Baguette 2 Somewhere Else (Daves Bar) 3 Nomad Cocktail & Tapas Bar
PLACES TO VISIT 1 Casas das Portas 2 Casas das Portas 3 Kozii store 4 Kozii store 5 Tavira D'Artes 6 Blossom 7 Ibelle 8 Aroma Ceramica 9 Aroma Ceramica 10 Aroma loja 11 Aroma loja 12 Aroma loja 13 Artesis Galeria
SERVICES 1 A.F.M. Accountants 2 Ibex Insurance 3 Rui Horta Lawyer 4 Maria Luisa Cabeçudo Solicitor 5 Casa Serviço 6 Big Pink Paint Shop
HEALTH & BEAUTY 1 Elle 2 Rui Barros 3 Thai Massage Expert 4 Buaka O Tavira 5 Modern Feel 6 Cara's Salon Y.A.M. Shala
REAL ESTATE 1 Land and Houses 2 LWL 3 Fastighetsbyrån 4 Proluna 5 Algar Vila 6 Livin Tavira
RESTAURANTS 1 Abstracto 2 La Petite France 3 Terraze 4 Copos and Petiscos 5 Mediterraneus 6 A Casa di Carlo e Franco 7 Terra Verde
Community
a R. d
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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
Restaurant.Abstracto.Tavira
Bishops Square Land line: 00 351 281 321 764
Mobile: 00 351 96 26 19 022
B I S T R O T AV I R A
Telephone 281 326 744, Rua João Vaz Corte Real 43, 8800 351, Tavira Open 12h00 till 23h00, Sundays from 18h00 Closed Monday's. See Facebook 'Mediterraneus'
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♦Draught Guinness ♦Coors Light ♦Large selection of ciders ♦Hot & cold food served all day ♦Fun friendly atmosphere for all the family ♦Sky sports & BT sports ♦3pm Premiership kick offs Rua Almirante Candido dos Reis. Tel 926 763 653.
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Estrada da Sra da Saúde n° 320 8005-148 Faro, Portugal Tel; 289 012 541 reservas@tiaana.pt www.tiaana.pt Restaurante Tia Ana
Galeria
A mix of cafeteria, bakery and pastelaria, where the concept is to join different styles and eating habits in the same space. Specialsing in Paleo foods
Art Gallery with a New Winter Collection of Painting and Ceramics by 24 local artists Contact +351 918 973 438 Facebook: Artesis Galeria 15 Travessa Zacharias Guerreiro, Tavira
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Telephone: 925 345 884 Address: Rua Poeta Emiliano Da Costa 8800 357, Tavira. Email: Lapetitefrance.tavira@gmail.com Facebook: La Petite France. Open: Tues till Sat 12.00-15.00 & 19.00-23.00. Closed Sun & Mon
Address: Rua da Liberdade n26, Tavira Facebook: 'À da Marta' Telephone: 00351 962 480 768 Email: adamartatavira@outlook.pt Open: Everyday 8am till 7pm Saturday 9am till 3pm, Closed Sunday
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Artist of the Month Sylvie K. Paulic whose work is now available at Tavira d'Artes. Visit the gallery in the center of Tavira
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Art For Everyone Telephone 96 201 2111 www.taviradartes.com email taviradartes@gmail.com Travessa Jacques Pessoa, 8, Tavira, 8800-374.
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5 Do's and Don'ts Mediterranean www.eastalgarvemag.com
Gardens
T
he Mediterranean climate is characterized by wet, mild winters and long, warm, and dry summers. Most of the yearly rainfall occurs during the winter, and there can be a couple of dry months, except for summer storms. Our expert tips will help you save time and grow a beautiful garden without a loss of plants and money.
DO
Choose the right plants Cacti and succulents are very tolerant to the heat and drought. Opuntia and houseleeks (or hens and chicks) are the most common plants in local households. Agaves are great in the direct sun and reach several meters in height, while aloe grows comfortably in the summer and needs to be moved indoors for the winter months. Traditional herbs such as rosemary, basil, oregano, thyme, and lavender grow well in the rocky Montenegrin soil and the sun. Lownutrient soil causes these plants to produce better flavor, and local people believe they are natural mosquito repellents. Plant native shrubs Look around your area: native Mediterranean plants have developed mechanisms in response to prolonged and dry summers. Most plants in these areas usually have deep roots to take up water from the deeper ground layers, while small gray-green leaves limit the plant’s transpiration and reflect the sun. Olive, pomegranate and fig trees, as well as beautiful Bougainvillea and blossoming oleander, will add full green color to your garden. Add fruit trees Citrus gardens are very characteristic of Mediterranean households. Their blossom smell is divine, and the fruits are harvested in winter. Kumquat (Citrus japonica) is my favorite among them, and you can eat its lovely fruits straight from the tree. They don't require much space and with proper care, fructifies abundantly.
for your Garden www.eastalgarvemag.com
As we are lucky enough to enjoy our gardens and outside spaces all year round, here are a few important things to remember about gardening in the Algarve
Watering and mulching Regular watering is essential in the hot climate. The best solution is to install drip irrigation that will deliver the water automatically to your plants. If watering by hand, remember to do it regularly, in the cooler hours (early morning preferably) and with enough to reach the lower ground layers. Adding mulch such as gravel or wood chips will prevent the soil from losing water and heating - and it’s also a nice touch. Collect rainwater Your southern garden needs a lot of water, so it's best to collect it while it's raining and if possible, redirect it to your flowerbeds. Also, watering with low-temperature water is not recommended in hot summer days.
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Gardens
DON'T
Grass Lawns Grass lawns have higher water and maintenance needs in the hot Mediterranean sun as well as a specific approach to the choice of species. But if you need some lawn space in the backyard for your kids, seeding some kind of ground cover or creeping plants can be your solution. Terracotta Pots They look beautiful and authentic but clay is a porous material which makes the soil in it dry out twice as fast, and you’ll need to water
your plants more frequently. If you like them that much, put your pots in the shadowed area and plant drought-resistant plants in them. Planting in spring The best time to grow many plants is in the winter because of the cooler temperatures and rainy season. Begin planting in September and plan on harvesting by spring. Consider March as the latest time for planting before the dry and hot season. Common continental plants Many flowers that are known in the northern parts of the world, such as rhododendrons
and azaleas, struggle in this dry Mediterranean climate. These flowers grow slowly and require lots of shade and water. Select climate resistant climbing flowers such as the beautiful wisteria or bougainvillea, jasmine or rose vines. Metal furniture Though it looks very romantic in a typical patio scene, trust me - it is the wrong choice. Metal tends to heat very quickly and get ice-cold just as fast. For your comfort, select outdoor furniture made of durable wood such as teak or rattan accompanied by many pillows with washable covers.
Yo u r S p e c a l i s t f o r H o t Tu b s i n t h e A l g a r v e
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Expert currency advice By Emma Bullock from GC Partners
Stress free currency transfers for property purchases
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uying a property abroad can be First by making currency simple – bypassing the an incredibly exciting but stressful complexity of how mainstream banks move and process. From finding the right hold money. Giving you options they just don’t property to contracts in a foreign have. language, right through to moving Second, you get to meet us face to face. With in. Not to mention paying for the property. offices in the Algarve, you can talk to us in If this is your first time buying abroad, then this person about all your currency needs. And, may be the first time you are transferring money because we’re on the ground, we’re perfectly to another country. How does it work? Do I placed to know about the area and how other need a bank account? Do I transfer money with service providers, such as solicitors and estate my bank? How much will my property cost? We agents, operate. are asked these questions and more every day. Not found a property yet At GC Partners, we take away the stress and the It’s never too early to start talking to us, a worry. Not just by solving any money transfer starting point is to work out your budget. problem with better, faster, more flexible deals, Firstly, calculate how much you have to spend but also by answering your questions. Putting on your property. Don’t forget to include, buying you at ease. Providing a safe pair of hands costs, lawyer fees and taxes. If you don’t, you throughout the process. may find that you go over budget. GLO 13:05 out Page 1 Euro budget. We We doadvert this in 118x130.5 two ways MARTIN.qxp_Layout 1 23/12/2019 Secondly, work your
Our service is our currency Since 2003, we’ve made it easy for 100,000 people like you to transfer money to more than 125 markets across the world. We move money overseas, quickly, reliable and securely. Using great foreign exchange rates. T. 289 093 137 / +351 289 093 137 E. portugal@gcpartners.co www.gcpartners.co Visit our offices in Lagos and Vilamoura Global Currency Exchange Network Limited T/A GC Partners is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, FRN 504346. Global Custodial Services Limited T/A GC Partners is authorised and regulated by the FCA and holds Part IV Permissions under the FSMA 2000. Registration number 595875.
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Martin Cox CEO and founder
often find that clients are not using realistic exchange rates when looking at properties, this can cause unnecessary stress later when negotiating a price. Speak to us and find out how much the rate has been moving and what rate is achievable. This will give you a guideline of how much your Pounds (or equivalent) are worth and how much you have available to spend on your new home in Portugal. Found your property, don’t delay send funds quickly. Your first payment may be a small one, some agents will ask for a reservation fee in order to take property off the market, lawyers may ask for a retainer or you may want to engage the services of a surveyor. If you are registered, then these small payments can be done quickly as they can be paid for on a debit card. Promissory Contract (Contrato de Promessa de Compra e Venda) Once a price has been agreed upon with the vendor, both parties will sign a Promissory Contract and the buyer will make a deposit of 10% - 30% of the purchase price. Deed (Escritura) On completion of your property purchase you will have to pay the remaining balance of the purchase price. In addition, you will need to pay the remainder of your legal fees, taxes and costs. This must be with your lawyer a few days before completion. The Promissory Contract and completion payments are normally paid to your lawyer’s bank account in Portugal. GC Partners can send payments directly to your lawyer, to your own account, or to any account specified by you. Why not ask us for a foreign exchange health check, find out how we compare against your bank. This can be completed in only a few minutes and you might be surprised at the savings you can achieve. Contact us on Portugal: +351 289 093 137 or UK: +44 (0) 203 974 4738. It’s quick and with no obligation. Or visit our website www.gcpartners.co. Established in the UK in 2003, with an office in the Algarve since 2005, GC Partners have an experienced and friendly local team in Portugal and worldwide. Their specialists will help you maximize your returns when it comes to your foreign currency exchange requirements. That’s why they have a rating of 4.9 out of 5 on TrustPilot, one of the highest in the industry. GC Partners is the new trading name of both Global Currency Exchange Network Limited (GCEN) and Global Custodial Services Limited (GCS).
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Expert financial advice By Mark Quinn, Partner, Blevins Franks
Resolve to review your financial planning for 2020
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his New Year take time to check you have adequate diversification to avoid your tax planning, investments, over-exposure to any given country (including pensions and estate planning the UK), asset type, sector or company. are all on track to protect your Explore investment structures that allow family’s long-term wealth. multi-currency flexibility to help minimise Tax planning exchange rate risk. First, make sure you know where you are Pensions resident for tax purposes, especially if you Today’s pension landscape offers more choice are new to Portugal or also spend time in than ever, but this may change with Brexit. the UK. You then want to structure your For example, tax-free transfers to Qualified investments and wealth in the most suitable Recognised Overseas Pension Schemes way to minimise taxation – in Portugal, the (QROPS) in the EU/EEA may be targeted once UK and wherever you have financial interests the UK sheds its EU obligations. Carefully – while meeting your weigh up your options, obligations. as well as the tax Today’s pension Under the ‘automatic implications in Portugal exchange of and the UK, to establish landscape offers more information’ regime, the best course of choice than ever, but this action for you. over 100 countries are now sharing data on may change with Brexit. Take regulated advice to residents’ overseas protect your retirement For example, tax-free income and assets, benefits from pension so your tax office scams and do what is transfers to Qualified will receive financial right for your personal information about you circumstances and Recognised Overseas without having to ask aims. Pension Schemes for it. Cross-border tax Estate planning planning is complex, so It is vital to review your (QROPS) in the EU/ take specialist advice estate planning when EEA may be targeted to get it right and avoid living in Portugal, as potential penalties. both succession law once the UK sheds its EU Savings and and tax work very investments differently to the UK. obligations. If you do not have a For example, Portugal’s financial plan in place for Portugal, take a ‘forced heirship’ rules could automatically fresh look at your savings and investments. pass a significant proportion of your worldwide Have you taken advantage of suitable tax- estate to your direct family, whatever your efficient opportunities? intentions. You can specify in your will for the Successful investing is about having a EU regulation ‘Brussels IV’ to apply relevant strategy specifically based around your British law to your estate instead, but take personal circumstances, time horizon, needs, care to understand your options and any tax aims and risk tolerance. You should ensure implications.
If you remain UK domiciled – as many expatriates do – you continue to be liable for UK inheritance tax, so you should plan to reduce this liability for your heirs. To bring all these complex elements together and avoid missing out on suitable opportunities, take expert, cross-border advice. Spending time on a financial healthcheck now can secure peace of mind that you and your family are in the best position to enjoy a prosperous 2020 and beyond. Summarised tax information is based upon our understanding of current laws and practices which may change. Individuals should seek personalised advice. Keep up to date on the financial issues that may affect you on the Blevins Franks news page at www.blevinsfranks.com
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Expert financial advice Keep up to date with our Finance expert, chartered accountant Ricardo Chaves from All Finance Matters.
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Readers Q&A
I have been a resident here since 2019 and this is the first time I will need to submit the IRS tax declaration. Can you please let me what information is needed from me, and the deadlines to send this? The IRS (Personal Income Tax) declaration, needs to be submitted between the first of April and the end of June and can only be done online. As a resident, you need to report the worldwide income and any tax paid in the country of source. You are also obliged to declare your foreign bank accounts. Prior to the submission of your tax declaration, please be aware that there are some tasks that you need to complete, so please put the two key following dates in your diary: You have until the 15 February to confirm or submit alterations to your household composition; you have until the 25 February to query, report and verify invoices – this is an important task in case you have expenses that are deductible on your IRS. After the submission of the IRS, in case this results in a tax refund, the payment should be received by the end of July. If, however, there is a tax bill to be paid and not a tax refund, the payment is due by the end of August.
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I am a British citizen with a Portuguese NIF (tax number) and I currently live in the UK. I own a property in Vilamoura, which I rent out to tourists. After Brexit what are the implications and what action should I take towards the Portuguese Tax Authorities? After Brexit you will have to designate a fiscal representative within 15 days. You will also need to submit a declaration of change of activity, just with the purpose of appointing the fiscal representative for VAT and IRS.
This VAT representative also needs to be liable for VAT and tax resident in Portugal.
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I have two local lodging units in Tavira, and I currently pay 8.75% tax on my gross income (as a non-resident). Is this tax likely to be maintained in 2020? Will there be any changes? The State Budget for 2020 is not yet approved, but there is no indication of tax changes to most of the local lodging units, which means that you will be paying the same amount of tax as previously. However, there is a possibility of increasing the tax for Local Lodging Properties that are located in certain areas, which were denominated by the local Council as ‘containment zones’, though currently only a few neighborhoods in Lisbon were classed this way. If this is approved, it means that local lodging properties located in these zones, will pay 12.50% tax on their 2020 gross income (payable in August 2021).
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I am a Dutch pensioner and my wife has no income. We are both resident in Portugal and in 2020 we plan to rent out our property with AirBnB. Can you please advise the best way to structure this? The house is in both our names and is not our main residency; we bought it as in investment. If you are renting a property for short term lets, you need to know that you must have a Local Lodging (AL) License, in order to advertise it for rentals in the main portals. In order to get this license, one of the requirements is to be registered as a sole trader in the tax office. You have three options, either you register and declare this income in your own name; your wife does it on your behalf, or you both do it and share the income of the property between you.
tlm:+351 281 029 059 email: info@allfinancematters.com
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If both of you do it, it will allow you to have a 20,000€ VAT threshold; as the VAT threshold is 10,000€ per person, you would double this. In the event that you think that you will not realise rent in excess of 10.000€ per year, then I would recommend that the activity is registered under your wife’s name. The main advantages would be the following: If you submit separate tax declarations, as your wife has no other income, her tax rate would be lower. Also, bearing in mind that she does not receive any salary or pension, she will get a tax break on the first two years, in her local lodging activity: 50% on the first year and 25% on the second year.
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I am currently moving from Sweden to Portugal and would like to become non-habitual resident. Can you please let me know what the taxation on my salary will be as I will need continue working in Sweden as a public teacher. Salaries and other income arising from governmental employment shall be taxed only in the country of origin. This means that as a Non-Habitual Resident, you will have to declare this income in Portugal, but you will not be liable for any tax; the tax should only be paid in Sweden. If you have any other questions, please feel free to contact us; we aim our expertise and knowhow to work to your benefit, keeping you tax compliant while paying only the legal minimum. Contact our office and book an appointment to find out about the tax strategy that might be more effective in your specific situation. ricardo@allfinance.pt
web: www.allfinancematters.com
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Solicitor specialising in: Real Estate Property Conveyancing Family law Power of Attorney English, French and Spanish speaking Telephone: +351 281 321 794 Mobile: +351 963 096 407 Email: lcabecudo@gmail.com Tr. Das cunhas n.º 35 8800-372 Tavira
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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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Expert financial advice By Andy Oliver, deVere, Portugal.
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New Year New Savings!
ew year new you! For the majority of people saving more is one of their new year resolutions. But a lot of people forget about saving for retirement and the likelihood is the little savings you put away and state pension (such as Social Security) will not provide enough income to live in the manner in which you've become accustomed for up to thirty years. But don't feel too bad, many of us have been sold an unrealistic vision of retirement. The idea, for obvious reasons, has taken hold that after forty years of work we are entitled to spend a few decades of our life in leisure. And why not; who wouldn't want to spend their golden years in a warm climate, playing golf, surrounded by peers who also have ample free time? It's like being on spring break until you die. But this is not a realistic financial goal for most people. No matter how keen a saver you may be, raising children and maintaining even a modest lifestyle often does not leave enough money to spend one third of your life on holiday. There is also the fact that many people do not even pay attention to their pension let alone save enough. According to AVIVA, nearly two-thirds of people over the age of 45 haven’t reviewed the performance of their pension meaning in the UK alone around 10 million retirements saving schemes are at risk of underperforming. If people simply aren’t saving enough, they can forget the endless vacation- they will probably face a large cut in their standard of living after they retire. From a historical perspective the entire retirement concept is relatively new. For most of civilisation the average person worked until they
became too sick or feeble, or died. According to Dora Costa's book ‘The Evolution of Retirement’, in 1880's America more than three-quarters of men over 64 and half of 85-year olds still worked. When people did retire they had little wealth and often were dependent on relatives. The growth of retirement was driven by changes in the labour force (a move away from family farms and toward production and services), new social norms (which made retirement the expectation and created a critical mass of retirees), and financial incentives (income from state pensions and private pensions from employers). The introduction of state pensions was significant because it provided retirement income for everyone (including those too poor to save). This allowed elderly people to cease work and not be dependent on their families. To this day, many people rely on state benefits as their primary source of retirement income. In late 19th-century Germany, Otto von Bismarck first introduced the concept of receipt of a state income after a pre-specified age. But keep in mind—he set the retirement age to 70, well beyond the average life expectancy then. Twenty-seven years later that age was lowered to 65. It's extraordinary that the 65 retirement age seems to have stuck, or even been lowered, while life-expectancy has steadily increased. This means each generation gets successively longer retirement. Retirement, like other post-industrial inventions like electricity or television, has become a luxury we've come to expect and rely upon. Like consumption of other goods, as technology advances and we become wealthier, we expect more and better retirement. This is not entirely unreasonable.
Western countries have more wealth than before and better technology to save, invest, and redistribute income. There is no need to go back to the work-until-you-die model. But this does not mean current retirement expectations are reasonable either, especially when so many depend on the government to provide their retirement income. Demographic pressures on state pensions further complicate retirement planning. Individuals are more responsible than ever for saving and investing for their own retirement. Most people have individual accounts instead of defined-benefit pensions. Saving enough and investing to provide for a long retirement is a complex financial decision with many uncertain variables, like life expectancy and asset returns. State pensions are supposed to provide an income floor, keep you out of poverty, and provide some certainty. But there exists a great deal of uncertainty about how state pensions will continue to be financed. At least if you invest your personal pension it can be adjusted according to your portfolio and risk tolerance. deVere Portugal specialises in financial planning services including investment strategies, long term financial saving schemes, as well as taxefficient pension plans. We formulate each financial plan according to our customers’ experience, portfolio and personal aims and goals. If you are interested in finding out more, get in touch with one of deVere Portugal’s Executive Wealth Managers who will happily assist you in securing and maintaining your financial independence.
TASTE THE DIFFERENCE!
Home grown spices imported from India gives a unique flavour producing the best Indian cuisine in the East Algarve!
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Sport
Olhanense drop their first home points of the season against Amora
FORMER LEEDS UNITED PLAYER TAKES CHARGE AT OLHANENSE
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All the latest sports news from Chris Wright.
runo Ribeiro, who played for Leeds United, Sheffield United and managed Port Vale, is the new manager at Olhanense. The 44 year-old former Portugal U20 international, who has also managed SC Farense, has most recently been coach in Angola with Interclube. The change at the top was the result of Primeira Liga SC Braga sacking coach Sá Pinto and then promoting reserve team boss Rúben Amorim to replace him. The Os Arsenalistas moved quickly to fill the vacant position within the ’B’ team setup and Olhanense’s young progressive manager Vasco Faísca was the man they turned to. Rumour is that Braga will also be signing Olhanense’s wing-back 19 year-old Leonardo Lelo who made his debut for the Portugal U20 international team a few months ago. SC Olhanense, chasing the dream of a return to the Segunda Liga, continued their
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unbeaten run dating back to mid-September in the Campeonato Portugal Division D. They enter the New Year in pole position after a December that saw two impressive away victories at high flying Alverca and Pinhalnovense. The last game before the festive break was a wonderful present for the fans who had seen the team drop points in their previous two games against mid-table Amora and Loures. Pinhalnovense, who were unbeaten at home, found themselves three goals down after just nineteen minutes as João Vasco (8'), Sapara (16') and Caleb (19') ran amok. The league’s top scorer Hassan added Olhanense’s fourth in the twenty-ninth minute before the home side pulled a goal back from the penalty spot just before the break. But there was no stopping Olhanense who went up the other end and Rafael Tavares made it 5-1 deep into first-half stoppage time. The second period was an anti-climax
although the home side did miss a penalty and the visitors had substitute Guilherme sent-off near the end. Thirty-six points from a maximum possible of forty-five is promotion form and whoever takes over will need to keep the momentum going. Rumours abound that top scorers Hassan, Sapara and João Vasco are on the radar of several senior clubs throughout Europe. The Portuguese-Guinean winger Muhamed Varela Djamanca, who has been training with Olhanense since October, has finally put pen-to-paper and is awaiting international clearance. The 21 year-old has previously had experience in Italy following spells at Belenenses, Real SC, Gil Vicente, Sporting and D.Aves. January HOME fixtures: Sunday 5th Oriental (Lisbon); Sunday 26th to Aljustrelense. Kick-off 3.00pm at the José Arcanjo Stadium, Olhão (behind McDonalds on the EN125).
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Sport
Jason Manford (2nd from left back row) now heading up London's West End hit musical 'Curtain!' and EAWF players
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WALKING FOOTBALL ENJOYS FESTIVE CHEER
layers, officials and friends of East Algarve Walking Football celebrated their sixth annual Christmas Dinner at the Xicken Piri Piri Restaurant near Tavira. Well over a hundred guests sat down to a fine feast of festive fayre. Commemorative bottles of wine were presented to Roy McCrudden, Jeff Denman, Paul Shawe and Andy Smith for their efforts throughout the year and a special presentation was made to Gordon Linford for his services to the club on ‘hanging up his
EAWF players and their silverware at the Christmas Dinner whistle’ after years of refereeing. Voting for the prestigious Zimmer Awards - walking football‘s equivalent of the Oscars - resulted in awards being presented to Mark Wilson (EAWF 50+ Player of the Year); Charlie Cousin (EAWF 60+ Player of the Year); Stuart Meakin (Personality of the Year) whilst the Imodium Award (the player who has ‘run/talked’ the most during the year) was awarded for the second year running to George Allen. The President’s Award honoured
the Fox Family - Jake, Connor, Tanya & Mark for their special support. Crackers were pulled and paper hats donned as the entertainment got underway. Stuart Meakin’s take off of Bad Manners front man Buster Bloodvessel and his rendition of ‘Lip Up Fatty’ had the audience in stitches before George Allen gave a hilarious and irreverent monologue on the origins and development of walking football in the Algarve. During the evening 230euros was raised, making a grand total of €700, to support young people with diabetes in the area. The last year of the decade closed on an enthralling twelve months for East Algarve Walking Football which has seen the first ever walking football tournament played on the lawns of a British Embassy Residence in Lisbon. Elsewhere the magic of walking football has spread farand-wide. Jason Manford, who joined in a session of walking football in Tavira last summer, has gone on to play the lead in Curtains, a musical whodunit which toured the UK to critical acclaim before moving to the Wyndham's Theatre in London's West End mid-December. Likewise Jonjo Shelvey, Newcastle United and England international, played walking football in Olhão and has subsequently gone on to re-establish himself as a goal-scoring attacking midfielder with five goals in twelve appearances for the Magpies. The mantra of fun, fitness and friendship continues its ‘feel good’ factor as more recruits join. www.walkingfootballalgarve.com
Farense mascot is bringing them luck
FARENSE LOOK TO THE TOP FLIGHT
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C Farense are two points clear at the top of the Segunda Liga but more importantly are ten points ahead of third place; the top two gaining automatic promotion to the Primeira Liga. Farense entertain Benfica ‘B’ on the 5th January 11.15am and SC Covilhã are visitors on the 18th January 4.00pm. Both games are at the Estadio de São Luís (behind Faro Hospital).
JORGE JESUS CONQUERS SOUTH AMERICA
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Jorge Jesus
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A young Jorge Jesus at Olhanense in 1975
ormer Benfica and Sporting manager Jorge Jesus was appointed manager of Brazilian club Flamengo last June and despite negative reactions by fans and sports commentators he went on to win the Copa Libertadores (the south American equivalent of the Champions League), defeating Argentina's River Plate 2–1 with a late comeback in the final in Lima, Peru. In November he became the first foreign manager to win an international trophy with a Brazilian team. Jorge Jesus, who forty-five years ago played for Olhanense and ten years later for Farense, then took Flamengo to the final of the FIFA World Club Championship where they lost 1-0 to Liverpool in extra-time.
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Without a Padel
Looking for a new way to keep fir in 2020? Stuart Anderson tells us all we need to know about Padel Tennis
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any of us who have lived in or visited southern Spain will be very familiar with Padel Tennis – in fact in the Southern Costas it would be the exception rather than the rule that new developments would be built without at least one or two Padel courts – often going hand in hand with a swimming pool. Thankfully you see more and more courts popping up across the Algarve including at least 3 or 4 around Tavira. For some visitors to the area it’s still a bit of a mystery yet Padel is probably one the most fantastic, fast-paced games available on the Algarve and claims to be the fastest growing sport in Europe over the past 10 years. In short, Padel has exactly the same scoring rules as normal tennis, played with pretty much the same ball over a standard tennis net. The court is a bit smaller and … most significantly, the perimeter is enclosed with concrete and glass walls. The racquet/bat is shorter in length and is solid rather than stringed, and its mostly played as
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doubles at club level. By virtue of the enclosed sides and rear, rallies are much longer because players can use the border and back walls to maintain play. In the normal run of the game, the only main difference from the traditional tennis format is that the service is hit from waist height rather than being over-arm. Padel’s popularity in Spain comes largely from its routes - being invented in Mexico in the late 60’s and enjoying great popularity throughout Latin America originally – especially in Mexico and Argentina before making its move into Spain and Andorra in the 80’s. Taken from the 2019 World Padel rankings, 9 out of the top ten women’s players were from Spain – with just one solitary non-Spanish player being Ana Nogueira … from Portugal! The Tennis Club in Cabanas has Padel Courts, as does the the Ozadi Hotel, Tavira Tennis, and the Tennis and Padel club in Sao Bras. Happy Padeling!!
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Free Classifieds P R O P E RT Y Property required for purchasing clients in the following areas; Moncarapacho, Tavira, Estoi and Sao Bras area for established real estate company Russell and Decoz, Lda. Telephone 289 792785 – email sales@russelldecoz.com Good quality properties required in the area of Tavira, Moncarapacho, Estoi, Sao Bras, 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 Este Algarve Propriedades Lda is a long established, licensed estate agency, with its head office in Cabanas, If you would like to sell your property we would be pleased to offer our services. Contacts: geral@ estealgarve.net tel: 281 370277 or 951165 Long term rent / villa 3 bd- heated pool large sea view - countryside Tavira - 15 mm center .tel +33782042935
ACTI V ITI ES Loulé Christmas Shopping Tour Get into the Christmas spirit with the beautiful Loulé Christmas street lights twinkling on our guided tour of some of the finest shops and boutiques of Loulé. For those of you who want to find more personal presents for your loved ones (or yourself), and have an enjoyable experience, do join us on one of our tours detailed below: Time 4:30- 7pm Dates; Tour 1 Friday 6/12, Tour 2 Tuesday
10/12, Tour 3 Tuesday 17/12 Small groups, €15 per person, participation by registration only, meeting location will be given on registration. For more details and to sign up: www. expatcentreportugal.com/events Painting for Pleasure. Beginners onwards. Wed., mornings 10.30 - 12.30 Afternoons 14.30 -16.30. At Mesquita near Sao Bras. Tel.289 845 561 YOGA & PILATES - contact Hazel on 91 307 5555 or email: hazel.devine@ntlworld.com for details Scottish Country Dancing at the Casa do Povo Moncarapacho, Thursdays 5.30 ~ 7.30PM.e-mail David on daviddenman1@ hotmail.co.uk
Jason Tel: 960 136 445 or 281 324 602 jasonash1970@gmail.com Tavira Sewing Sue any sewing jobs please email: tavirasewer@outlook.com 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
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Graphic design service; Company logos, Flyers, Business cards Advertising Brochures Call 961 700 200 email richibass@hotmail. co.uk Ironing.-I do that most hated job carefully.just bring your washed items! priced accordingly 913 322 328 Professional Painter quotes you happy. Villas, houses, appartments, etc... Call Frank : 00351/ 910070098 Consultant available for business startups, etc. Based Tavira; alterup4746@gmail.com Airport transfers. Excellent door to door service at fair prices. Advance booking please. Contact Leonor: 910 799 669 Algarve roof & property renovations Call
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