Nov18 East Algarve Magazine by Richard Bassett

OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO ISSUE NO. 119 NOVEMBER 2018

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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

Unipessoal Lda

Welcome...

...to your November issue. This month in an interview by Beth Jackson, we meet the 'Fiddler on the bridge' Roy Nicholls who regularly entertains us on the Roman Bridge in Tavira. We bring exciting news from Rachel Robinson at SmartaVillas who has just opened SmartaMoves with the established U.K. based 'Portugal Property Management'. Find out what makes them stand out from the crowd. For the foodies out there, Sushi d'art introduce their 'all you can eat' menu and The Hairy Lemon showcase a selection of their specials and regular dishes. All this plus our regular features including Property, Health, Gardening, Finance and the latest Sports News. We hope you enjoy this issue, we always look forward to your comments and suggestions. Have a great month.

Richard Bassett Editor

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Contents 6 8 10 14 16 18 22 24 26

NEWS Local news.

HEALTH Yoga. PEOPLE Fiddler on the Bridge. PEOPLE SmartaVillas expands.

FOOD Sushi d'art.

CHARITY Golfe clube de Tavira.

PROPERTY Inner City renovations. PROPERTY Property of the month. TAVIRA Look out for our advertisers on the map of Tavira. GARDENING Moon phase gardening.

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FINANCE Finance news from Blevins Franks.

FINANCE Finance news from Ricardo Chaves.

42 45 46 48 50

FINANCE Financial advice from deVere. CURRENCY Currency advice from GCEN. SPORT The latest from Chris Wright. MEET THE PRO Neil Turley. CLASSIFIEDS Grab a local bargain.

News Work starts on new Historic Pousada for Vila Real de Santo António

will take about a year to complete, will cost €3 million and is all part of the strategy of renovating the city centre’s historic buildings. Conceição Cabrita, mayor of VRSA, said that the Council’s overall city centre strategy had encouraged Pestana to invest in the Pousada project. In the Algarve, the Pestana Hotel Group runs three hotels under its ‘Pousadas de Portugal’ brand; the Palácio de Estoi, the Fortaleza de Sagres and the Convento de Tavira. The Vila Real de Santo António hotel will be the fourth historic Pousada for the region and Pestana’s 17th hotel in the Algarve. Vila Real de Santo António was founded after

the 1755 Lisbon earthquake, and expanded from 1774 using the same architectural and construction techniques employed in the reconstruction of Lisbon after the disaster. The city was erected in only two years and completed in 1776. Sebastião José de Carvalho e Melo, the 1st Marquis of Pombal, was responsible for the design of the town in a Pombaline orthogonal grid which he also used during the reconstruction of Lisbon. In a pioneering technique, entire buildings were prefabricated in areas outside the town and transported to their final locations for assembly, permitting the fast and methodical construction of the city.

One step closer to an Olhão bypass

lhão residents and road users, well used to standstill summer traffic and choking fumes, may see an end to vehicles having to inch their way through the city along the EN125. In July this year, the Minister of Planning and Infrastructure, Pedro Marquês visited the municipality and assured residents that a bypass, talked about for decades, indeed would be built. Marquês said he was waiting for the Environmental Impact Statement to be delivered, which, if it is not too damaging, means the slow process of commissioning and overseeing the work can at least be started. It has been confirmed that this vital environmental report has now been delivered to the Portuguese Environment Agency by the national

road and rail company, Infraestruturas de Portugal. The six kilometre bypass will not be fast road like the one to the north of Faro as it will have no less than seven roundabouts linking to the existing road network. Whatever the size and speed possibilities of the bypass, the relief for those in the city living along the EN125 will be great and worth every cent of the €5 million budgeted cost. Meanwhile, the EN125 eastern Algarve section, from Olhão to Vila Real de Santo António, is still pending but at least some early summer repairs patched up the worst sections. There is still no start date for the EN125 upgrade of the Olhão bypass but a big step has been taken with the delivery of the environmental report.

HAIR STUDIO

The

Source: www.algarvedailynews.com

he Pestana Group has the go-ahead to start creation of a new Pousada in the historic centre of Vila Real de Santo António. The hotel will be developed from four historical buildings that are owned by the Council and controlled by its municipal company, VRSA, Sociedad de Gestión Urbana, E.M., S.A. VRSA, which manages all urban development operations in the historic centre. The design of the 57-rooms hotel, located in the central Praça Marquês de Pombal, will attempt to emphasise the history of Vila Real de Santo António. The construction and transformation work

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Health

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“Yoga is a light, which once lit will never dim. The better your practice, the brighter your flame.” — B.K.S. Iyengar

riting about Yoga would take a lot of pages, and without a doubt much would remain to be said. Yoga is a way of life, a way to feel good and connected, is the art of opening the heart, to others and to ourselves. As we allow Yoga to enter our lives, we prepare for a journey where life and the way of being in it are transformed. Real layers are discovered about ourselves, precious tools and transformative messages are offered to help us overcome the challenges that arise today. It is a calming of the mind, the strengthening of the body, is the being in the present moment, lucid, committed and delivered, above all, takes us to our consciousness. Embracing this practice teaches us clearly that the important thing is the path we take, consciously and serenely. The practice of Yoga unites, with harmony and grace, the body, mind and soul, so that our rhythm is the rhythm of nature. It is the beauty of its connection with nature and the quest for individual freedom that make yoga remain from ancient times to the present.

What do we learn from Yoga? We learn to have a new vision, a new feeling, a new consciousness, we learn, above all, to breathe. We learn that breathing is our life and we make it more intimate, deep and full. With Yoga we learn to remember that everything we need in the search for happiness and inner peace already exists in us. Yoga rests under various branches and it is through a disciplined and consistent practice that these become more present and evident: yama (universal codes of conduct), niyama (attitudes that we should promote towards ourselves), asana (work physical, which must be stable and comfortable), pranayama (control of vital energy through respiration), pratyahara (control of the senses and stabilize the fluctuations of the mind), dharana (concentration and attention in a single point), dhyana (meditation), samadhi (individual elevation). With dedication and, regular practice, everything arises. The practice of yoga is internal, of self-discovery, of surrender, of transformation that must always be felt with the heart. Visit Fisioclube Holistic Therapy Center, where we can improve your quality of life and well-being

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People

Fiddler on the Bridge:

ROY NICHOLLS

We who frequent Tavira have been delighted by Roy gracing our streets with his wonderful violin music and charming manner. I recently had the privilege of talking with him. By Beth Jackson

eth: So, when did you start playing music? Roy: I was given piano lessons at 4, then violin when I was 8, at Ardingly College. Later I received tuition from David Martin in London. Beth: Your mother sacrificed a lot for your education, didn’t she? Roy: Yes, she did. Actually, it was quite a pressure, seeing her give so much for me, I felt like I had to achieve in return. Beth: And you did, you were accepted into the Royal Academy of Music… where you studied violin? Roy: You have to study two instruments. Usually one is piano, but after a car

accident I asked if I could change to viola instead and they agreed. During my first viola lesson I was introduced to Sidney Griller, a man with a huge charisma. Everyone was terrified of him. Within days he put me in a quartet, and two more by the end of my second year; and a duo. This meant I would have more than five hours a week with him, which was a tremendous honour, but enormous pressure. I played nearly sixty hours a week trying to live up to the standard expected of me, which increased more as I achieved more. After 6 months Roy unexpectedly won the singular viola prize in the academy. Then the expectations and the pressure

spiralled. The last year at the academy saw Roy being posted as principle viola player of the symphony, chamber, and opera orchestras, plus solo recital work, but his priority remained “The Robert’s Quartet”. Roy: The quartet disbanded due to different choices in career paths, and the bottom fell out of my life. I played with other quartets, but it didn’t work. Beth: The musicians weren’t up to the same standard? Roy: No, they were great musicians, but we didn’t have the same electricity… chemistry. The pressure he had endured all this time brought him to breaking point. He didn’t

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play an instrument for fifteen years. His marriage fell apart, but he devoted himself to his children, even giving them home schooling. Then he dabbled in the odd orchestra, did some teaching, and found pleasure in playing bluegrass. When I came to Tavira I was still in a state of low self-worth, but Tavira has a magic, the people here are kind, and they often encourage me with upbuilding words; and smiles mean so much. A child dancing to my music makes me feel great. The freedom of simply playing on the street without the pressures of the concert hall has been SO good for me. I have been given so much by the peopleâ&#x20AC;&#x2122;s reaction to my music, I want to repay them, and the only way I can do that is to play more. Roy has a special pot to collect money for the Tavira Treasure, (a local charity) because he wants to give to the children they are known to help. I would love to facilitate the opportunity for these children to partake in musical activity, but that is a hope for the future. For now, I just want to give the people of Tavira a massive THANKYOU for being so welcoming.

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People

SMARTA

MOVES Smartamoves is the new dynamic Real Estate Agency offering a fresh approach, unparalleled levels of customer care and an indepth experience and knowledge of the market. Rachel Robinson

achel Robinson, owner of the well established and successful Smartavillas has been providing a professional and personal service to her international clients for 10 years. Together with Portugal Property Management founders Steve and Sharon Bedlow, the two companies have collaborated and brought a dynamic and unique approach to Real Estate in SMARTAMOVES. Portugal Property Management, will act as agents in the United Kingdom to work together with Smartamoves here in Portugal to tailor their unique services for their mutual clients and offer a personalized package specifically aimed at eliminating the mysteries of buying an overseas property and make the transition smooth and seamless. Steve and Sharon have a 12 year track record in sales and marketing and as property owners themselves they are already well established with Smartavillas.com in managing and letting their own Portugal property in Tavira. Specializing in the East Algarve, SMARTAMOVES will guide clients through every step of the buying process, providing the necessary expertise with lawyers either based in the UK or Portugal, mortgage arrangements with favourable rates, forward currency exchange advice as well as arranging rental and maintenance procedures should their clients wish to rent out their new property. The partnership with the UK based Portugal Property Management will give clients accessibility in the UK, ensuring that the perfect property, whether a holiday home, retirement, investment or new development project can be found. This unique and unrivaled service also includes Full Property Management - Key Holding, Bill Paying,

Maintenance, Gardening, Pool Cleaning, House Keeping along with Concierge Services including Airport transfers, car hire, and car purchases. Smartamoves will provide a fully independent and professionally informed service, shaping a new vision offering Real Estate Services with energy and a fresh perspective. Smartavillas have been very proud of their success in creating a business that is responsive dynamic and passionate about both holiday makers and property owners (over 128 properties listed) and the exclusive sister company Smartamoves, sees the expansion of the Villa Management company embracing the alliance of existing Estate Agency services. The team is energetic, positive and multilingual, aiming to provide the client with a complete, and un-biased professional service.. Smartamoves allows UK clients to have the best of both worlds, a UK contact who has been through the buying process and staff on the ground across the East Algarve to help them on their exciting journey to buying property overseas. The relationship Smartamoves has with PPM is unique in the fact that they act as their agent in the UK for clients requiring a more personal approach to the often daunting process of buying abroad. Plans are being made for Inspection Trips with Smartamoves and PPM senior staff along with lawyers, currency experts and Tax Advisors being on hand to discuss buying in the East Algarve with properties and new developments being available for viewing. Please register your interest by email to info@ portugalpropertymgmt.com Let Smartamoves and Portugal Property Management find YOUR perfect home together.

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Food

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

UK clients please see www.portugalpropertymgmt.com or call +44 (0)121 769 0455

Testimonial: 'Rachel and her team at Smartavillas have been looking after my apartment for several years and have always been extremely happy with the service I've received. They always go the extra mile for our guests, whether it be a simple late night welcome pack of goodies or decorating the apartment for a special occasion with balloons, champagne and cake! The cleaning and maintenance has always been tip top and prompt. Now I have decided to sell my apartment and I am delighted to put the property in the hands of Smartamoves Rachel's latest venture. I could not be in safer, more professional hands'.

Left to Right: Jorge Botelho, Steve Bedlow, Monica Barradas, Sharon Bedlow, Lydia Corredeira

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Food

SUSHI

d'art

Sushi d'art introduce their new 'all you can eat' menu, available from November 1st for a limited time only.

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Rua da Liberdade n.ยบ 37, Tavira sushidart.geral@gmail.com Tel: 00351 281 326 011 Restaurant & Take-away

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Charity

Charity day at Tavira Golf club T his year's Golfe Clube de Tavira Charity golf day was held at Benamor golf on the 7th October. A total of 47 players enjoyed an excellent day's golf, followed by the putting competition, a great meal and plenty of wine before the charity auction began. All prizes were kindly donated by local businesses and included a Powakaddy electric trolley by Dieter Langel, a 3 hour quad bike tour from Quad bike Tavira, rounds of golf at Monte Rei, Quinta do Vale, Castro Marim, Quinta da Ria and Vila Sol, dinners at restaurants Brisa do Rio, Ponto Econtro, Terraze, O Castello, Xicken Piri Piri O restaurante Gilao and Maria Nova Hotel. Other donations included a hamper and wine from Chilli Boy Piri Piri and an hour's golf tuition from Bart van der Wind. At the end of the evening over 2,300 euros was raised at the auction, with the tombola / raffle and other donations, the day totalled just over 3,235 euros. The Golfe Clube de Tavira would sincerely like to thank all contributers, bidders, winners and of course the staff at Benamor golf for hosting a wonderful day. For details about joining Tavira Golf club: See www.golfeclubetavira.com or call +351 281 320 880 or +351 967 525 242

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Vice Captain Alex Figueiredo, Captain Nick Everott and Gonรงalo Martins Dias

Ladies Winner of the day Joy Hanley

John Nye Winning Bid for Quad Tour

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Mens Winner of the day John Scott

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Property

Inner city renovations Property expert Robert Bijker from Land and Houses Algarve on the advantages of renovating an older property in a prime location PROPERTY MANAGEMENT ALGARVEAN COTTAGES

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ver the past two years there has been a noticeable increase in construction/ renovation of old properties in city and town centers. These old properties are often situated in good locations and are in short supply, which have consequently attracted investors to capitalize on the opportunity. The government offers incentives to renovate/rebuild old properties/ruins in town centers as part of the urban rehabilitation program, such as a lower VAT rate (6%) on construction materials which effectively reduces building costs by more than 10%, no cost for the building license, exemption of IMT (property transfer tax) and exemption of IMI (council tax) for 3 years. In addition, some banks are offering preferential (lower) interest rates to finance the renovation work. The rehabilitation program supports the improvement, renovation/restoration, repair and conservation of property for residential use and, in general supports to make a town more pleasant to live in. Despite these favourable incentives and conditions, there are still many old properties that remain unused and sometimes in ruin, this is an undesirable situation in light of the stress in various cities and towns for affordable housing. As such, the government has plans to allow local municipalities to dramatically increase the council tax (IMI) in case a property has been vacant for more than two years and could start with an increase in IMI by 600% as early as 2019. The IMI can continue to increase 10% per annum thereafter, up to a maximum of 12 times the original IMI value. As demand for this type of property is outstripping supply, it remains a financially rewarding opportunity to buy and renovate a property in urban centers. However, when on the market, these properties are more often than not too expensive for low and middle income families due to their prime location. Various banks still have many unsold foreclosed properties on their books. It is amazing to have witnessed the speed at which they repossessed

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EXCLUSIVE LISTING IN CABANAS REF: 1089-A • Amazing views • 50m from the water front • Internal area: 115m² • Balconies: 58m² • Roof terrace: 118m² • 3 bedrooms, 2 bathrooms • Natural light • Energy rating: B• Price: €290.000 To visit call us today on (00351) 927 617 131 info@pattersonproperties.pt www.pattersonproperties.pt AMI 9917

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homes at the beginning of the crisis and even more amazing to watch the slowness of properties being sold off. However, Lonestar who owns 75% of Novo Banco has reached an agreement to sell off a large chunk of foreclosed properties (a mix of almost 9000 residential and commercial properties) to Anchorage Capital Group, a New York based investment adviser for Euro 390 million while the book value is 716.7 million. This is part of the cleanup of the balance sheet of Novo Banco, with the balance to be covered by the resolution fund. These are properties that can come back on the market rather sooner than later, likely to be priced at a discount to similar properties, as ACG tries to reliquify. In the long run the only way to alleviate the imbalances in some urban areas of the residential property market is for the government to come up with a viable plan. 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

Property

Property of the

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A fabulous opportunity - 3 bedroom house with 130m2 and 130m2 of garage / storage space underneath that could provide a maisonette project with another 3 bedrooms.. or could be workshops etc.. A MUST see.

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RUSSELL & DECOZ REAL ESTATE Tel: 00351 289 792 785 Mobile 963 085 580 Email: sales@russell-decoz.com 3 bedroom villa with HUGE lower level for development. Sitting in fenced plot of 1040m2 with fruit trees

* Mains water & electrical services * Electrical hot water boiler * Private drainage * New electrical wiring * Double glazing * Patios * Aluminium shutters & blinds * wall heaters * Fully fitted kitchen * en-suite bathroom * shower room * Sat dish * Good access * Off road parking * driveway * garage * Various fruit trees * Space for a pool * Outbuildings * Fenced REF:- Ref: 1791V LOCATION:Near Luz de Tavira ENERGY CERT:- E

€295,000

www.russell-decoz.com

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

PROPERTY REQUIRED: Moncarapacho, São Brás, Estoi, to Tavira area, please call or mail.

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Tavira Castle

1 Elle Salon 2 Ruy Barros 3 Thai Massage

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

PLACES TO VISIT 1 Casas das Portas 2 Casas das Portas 3 Fado Com Historia 4 Kozii store 5 Kozii store 6 Tavira D'Artes 7 Blossom 8 Ibelle

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

HEALTH & BEAUTY 1 Elle 2 Rui Barros 3 Thai Massage Expert 4 Buaka O Tavira

REAL ESTATE 1 Land and Houses 2 LWL 3 To Go For Homes 4 Proluna

RESTAURANTS 1 Abstracto 2 La Petite France 3 Sushi D'Arte 4 Copos and Petiscos 5 Xapa 45

Property

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eira s Fr s

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Restaurante

Abstracto Traditional Portuguese Cousine

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

Square

Rio Gilao

Roman Bridge

Restaurante Abstracto

Bishops Square

Restaurant.Abstracto.Tavira

Tel: Chuttcha +351 924 289 594 Vorakorn +351 923 145 282 Facebook: Thai Massage Expert

• 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

Rua da Liberdade n.º 37 Tavira sushidart.geral@gmail.com Telephone: 00351 281 326 011

Restaurant & Take-away

Advertise your business here for only 25€ per month Call 961 700 200 or email info@eastalgarvemag.com

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

Wall Decoration Canvasses Woodprints Alu-Dibond Prints Gallery Prints

Postcards Coasters Foto Souvenirs Workshops Photography Shipping costs EU* 9,90€

♦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.

*at, be, cz, de, dk, es, ie, it, fr, lu, nl, pl, pt, se, uk

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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

Renovated 2 Bed Apartment, with City and Sea Views – Faro 185,000€ Ref: 4671819

Charming Renovated Three Bedroom Quinta with Pool – São Brás 535,000€ Ref: 4687807

Recently renovated apartment on the 9th floor, with stunning views across Faro, the Ria Formosa, and the sea. Fantastic location within the old town, only a short walk from the Marina. Faro is a cosmopolitan city, with its cobbled streets, boutique shops, trendy cocktail bars, theatre, and shopping centers. It is full of great restaurants, and boasts beautiful sandy island beaches.

FARO

A rare opportunity to view a Quinta / Farmhouse which has been renovated to such a high standard, yet keeping the original character of the property. The owners really have paid attention to detail, and put a lot of thought into the layout and finish of this stunning property. Set in a tranquil village environment less than 5 minutes from a local café, restaurant, and mini market. Viewing is highly recommended to appreciate the attention to detail.

Charming 3 Bed Townhouse in Typical Little Street in Town Centre – Olhão 195,000€ Ref: 4690457

Spacious mid terrace townhouse in a fantastic location, only a few minutes’ walk from the Market and water front of Olhão. Lots of natural light, and several terraces overlooking town. Close to all amenities; market, shops, cafes, restaurant, the island taxi boats, and much more. Perfect investment opportunity for rental business, holiday or permanent home.

OLHÃO

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

ONE BED WITH ROOF TERRACE CONCEIÇÃO DE TAVIRA €133.000 Ref 2402

• Shared pool • Building with lift • Lots of private terrace space • Great rental potential • Close to all local facilities • Close to public transport • 1.5Km from the beach • Air conditioned

TWO BEDROOM HOUSE MANTA ROTA €189.000 Ref 2412

• Air conditioning • Fly screens • Rear patio very private • Fully furnished • Great location • Close to beach and facilities • Two bathrooms • Two bedrooms

SÃO BRÁS

Algarve roof & property renovations From leaks to roofs and balconies, to complete renewals. Guttering supplied and fitted, flat roofs specialists and complete property renovations insode or out; All maintenance work, painting, jetwash service etc. Call Jason Tel: 960 136 445 or 281 324 602 jasonash1970@gmail.com

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www.eastalgarvemag.com East Algarve Full page NOV2018.indd 1

08/10/2018 16:33

Places

Wine Tasting & Dinner

Vila Monte Farm House, Moncarapacho Thursday 15th November 7.30 to 11.30 Welcome drink, 3 course dinner paired with wines

working together to support our local community

€38.00

Special overnight room rates  Double Standard €95  Double Superior €105  Superior Suite €140  Ocean & Mountain €160 All prices include Breakfast Buffet & Taxes To make a HOTEL booking Email: reservations@vilamonte.com Quote AFPOP to get the special rate

SUNDAY LUNCHES (booking advised) 8 EURO SPECIALS Mon-Sat

Welcome drink: Sossego Rosé *** Menu Goat Cheese from São Bras au gratin with rosemary honey, lettuces & nuts

paired with Papa Figos Branco *** Roasted leg of lamb at low temperature in wood oven, new potatoes & green sprouts

paired with Sossego Tinto *** Pumpkin fondant with curd cheese mousse & wild berries coulis

Payment in advance All profits from the evening go to StreetLife Book your places with eastalgarve@afpop.com

Includes Bread, Olives, Main course, dessert, coffee plus half a litre of wine or large beer.

HAPPY HOUR 4-7 Every day 3 TV's Showing all international sport including Rugby Autumn Internationals

paired with Port Wine Ferreira Tawny

TAKE AWAY AVAILABLE All proceeds to: StreetLifeAnimalSterilisationProgramme

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The Hairy Lemon Delicious Fish and Chips available every Friday

Three mouth watering dishes now available at the Hairy Lemon. For details see their advert opposite... Enjoy

Cheese Egg and Bacon Burger (All burgers are home made)

Succulent 'fall of the bone' Lamb Shank with buttery mashed potatoes & vegetables

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Hobbies

Choosing your Batting How to Pick the Best Batting (wadding) for Your Quilts

he batting is the middle layer of your quilt and is never seen on the surface. However, your finished quilt's appearance, drape, softness, and comfort are all directly related to the batting you basted in the middle. Picking a good batting for your quilt is one of the most important decisions you will make during the construction process. Exploring Your Batting Choices Start experimenting and trying different battings in different lofts and fibers. Yes, this may seem scary and frustrating at times but it is also thrilling to see how different the quilts look and feel when using a different batting in the middle. There's no real way of knowing a batting is "good" or "bad" except to try it out for yourself. You need to see how the batting behaves and decide for yourself what you'd like to see in your quilts. Developing your own opinions is one of the most crucial steps to becoming a happy quilter. For example, there might be a batting that your friend highly recommends but you might hate because it smells funny to you. See? The only way to know what works is to try it! Batting Fiber Choices There are so many amazing fiber choices when it comes to batting. Many companies are now offering cotton, polyester, wool, bamboo, and many blends of these materials as well.

These different fibers all have unique characteristics that will affect the appearance and feel of your finished quilt. Here are just a few fiber choices you may want to try: Cotton - Cotton is a natural choice for many quilters because we're already working with cotton fabric. However, cotton will always tend to shrink within your quilt, which produces a soft, crinkly effect on the surface. This is terrific for bed quilts, but probably not the best choice for wall hangings where you want the quilting stitches and design to shine. Polyester - This manmade material has virtually no shrink and produces quilts that can hang stunningly straight on a wall. This batting is also extremely stable and a perfect choice for special quilting techniques like trapunto that depend on the batting holding its shape perfectly. Wool - Super warm and soft, wool is a great choice for winter bed quilts. This special fiber is unique in that it holds no memory so your quilts will never get fold lines and creases, even when folded up tightly for months. For this reason, wool is a very popular show quilt batting. Bamboo - Bamboo is a wonderful batting type from an abundant resource. These battings tend to have a bit of shrinkage, but a very soft hand and lightweight feel. They're a great choice for summer time bed quilts and

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lightweight throw quilts. How to Test Your Quilt Batting Cut a 15 - 20 inch square of batting, sandwich it with cotton fabric on the top and bottom, and quilt it in a similar style to your next quilt. Bind the edges of your mini quilt, then throw it in the washer. Treat this little sample exactly the same way you would a real quilt. You won't know how the batting will look and feel within your quilt until you run it through this test to see how it reacts to quilting and washing. You'll want to keep your eyes peeled for any signs of migrating or bearding. Bearding often happens with cheap battings because they tend to break down and begin pushing out of the quilt through the needle holes in the quilting. Migrating is also caused by a batting breaking down and not holding its shape within the quilt. Larger spaces left unquilted may shift and become lumpy if the batting isn't good quality.

Batting Determines Your Quilting The most important key to picking your batting is understanding how much this one choice will affect your quilting. Each batting comes with a label providing a number of characteristics of the batting, including its rating - a suggestion for how close your lines of quilting should be so the batting doesn't shift within the quilt. As you can see, this will greatly affect how much quilting you're required to put on a particular quilt. In order to hold the layers together securely, you will need to be sure not to leave any space open larger than this rating describes. If you have a quilt that needs to be finished quickly, make sure to check the rating on the batting to see just how densely you will need to quilt your quilt. The bigger this number is, the less quilting you will have to do, and the faster your quilt will be to finish!

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BEST PRICES PAID FOR PORTUGUESE OR FOREIGN REGISTERED CARS

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Algarve - UK - Algarve Weekly Van service from the UK Full or part loads Comprehensive Insurance For a FREE quote call 00351 966 978 937

TASTE THE DIFFERENCE!

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

CABANAS

NEWU MEN

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Planting by The cycles of the moon have influenced gardeners from not fully understand why planting by the moon

lanting by the moon is an idea as old as agriculture, based both in folklore and superstition, but there are scientific ideas to back it up. The Earth is in a large gravitational field, influenced by both the sun and moon. The tides are highest at the time of the new and the full moon, when sun and moon are lined up with earth. Just as the moon pulls the tides in the oceans, it also pulls upon the subtle bodies of water, causing moisture to rise in the earth, which encourages growth. The highest amount of moisture is in the soil at this time, and tests have proven that seeds will absorb the most water at the time of the full moon. At the new moon, the lunar gravity pulls water up, and causes the seeds to swell and burst.

This factor, coupled with the increasing moonlight creates balanced root and leaf growth. This is the best time for planting above ground annual crops that produce their seeds outside the fruit. Examples: lettuce, spinach, celery, broccoli, cabbage, cauliflower, and grain crops. Cucumbers like this phase also, even though they are an exception to that rule. In the second quarter the gravitational pull is less, but the moonlight is strong, creating strong leaf growth. It is generally a good time for planting, especially two days before the full moon. The types of crops that prefer the second quarter are annuals that produce above ground, but their seeds form inside the fruit.

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Gardening

the MOON diverse cultures over many centuries. While science may works, anecdotal evidence suggests that it does.

Mow lawns in the first or second quarter to increase growth. After the full moon, as the moon wanes, the energy is drawing down. The gravitation pull is high, creating more moisture in the soil, but the moonlight is decreasing, putting energy into the roots. This is a favourable time for planting root crop. Beets, carrots, onions, potatoes and peanuts. It is also good for perennials, biennials, and bulbs and transplanting because of the active root growth. Pruning is best done in the third quarter, in the sign of Scorpio. In the fourth quarter there is decreased gravitational pull and moonlight, and it is considered a resting period. This is also the best time to cultivate,

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harvest, transplant and prune. Mow lawns in the third or fourth quarter to retard growth. Lettuce, spinach and corn salad as leaf types. Beans, peas, cucumbers and tomatoes as fruit seed types Zinnias, snapdragons and asters are air crops. Crops respond well when planted in the appropriate sign for their type of plant. There are some exceptions, however. Some plants seemed to favour signs other than what would appear to be logical; for instance the brassica family, (broccoli, cauliflower, etc.) which one might consider flowering types, seemed to favour water signs. Cucumbers sown on leaf days had strong leafy

Gardens

growth, but did not produce many flowers. Lunar planting is heightened when planted in organic soil that had not been treated with chemical fertilizer or pesticides. Plants sown in the correct combination of the best lunar phase and sign show increased vigour, due to having all the best influences. They are growing at an optimum rate and are not as prone to setbacks that would affect less healthy plants. Harvests are often quicker. The Moon moves through the signs of the Zodiac in the heavens every couple of days. Different signs are associated with an element of earth, air, fire or water. When the Moon is in a water sign it is the most fertile time for planting. Different types of plants have favourite signs too, such as leafy plants prefer the water signs. The fertile water signs are Cancer, Pisces, and Scorpio, and are best for planting above ground, leafy annuals. Planting by the Signs The Earth signs, Taurus, Virgo and Capricorn, are also very fertile and good for planting. The root is the part of the plant associated with earth signs, so it is especially good for planting root crops, or for transplanting to encourage root development. Air signs work well for some plants, but are generally barren and dry. Libra is an exception to that rule, and is semi-fertile and good for

blooming flowers and herbs. Flowers are the part of the plant associated with air signs. Melons like G e m i n i , and onions respond well in Aquarius. When the Moon is in an air sign it is a good time to harvest and cultivate. The fire signs of Aries, Leo and Sagittarius are very barren and dry, but may be used for crops grown for their seed. Because it is barren, Leo is a good sign for weeding and cultivation, so seeds won't sprout. It is also good to harvest during a fire sign. Some plants have better results with a certain sign or element Other garden chores have preferences for the sign also, such as pruning in Scorpio, weeding in Leo. Harvesting in the dry air and fire signs in the fourth quarter helps preserve fruit and vegetables for storage.

In between signs the Moon is void of course, which is a good time to take a break and enjoy the fruits (and vegetables!) of your labour Aries- A fire sign. barren and dry. Harvest root and fruit for storage. Cultivate, destroy weeds and pests. Taurus - An earth sign. Productive and moist, second best for planting and transplanting. Good for root crops and potatoes, especially when hardiness is important. Also a good sign for leafy vegetables such as lettuce, cabbage and spinach. Gemini- An air sign. Barren and dry. Harvest root and fruit for storage. Cultivate, destroy weeds and pests. Melon seeds respond well in this sign. Cancer- A water sign. Very fruitful and moist. The best sign for all planting and transplanting. Also good for grafting, and irrigation. Leo- A fire sign. Very barren and dry. Cultivate, harvest root and fruit for storage. An excellent time to destroy weeds and pests in the fourth quarter. Virgo- An earth sign. Barren and moist. Some flowers and vines are favoured by it. Cultivate and destroy weeds and pests. Libra- An air signs. Semi-fruitful and moist. Best sign for planting beautiful and fragrant flowers, vines and herbs. Good for planting pulpy stems like kohlrabi, and root crops. Scorpio- A water sign. Very fruitful and moist. Best planting sign for sturdy plants and vines. Tomatoes like to be transplanted in Scorpio, and it is a good sign for corn and squash. Graft or prune in the third and fourth quarter to retard growth and promote better fruit. A good sign for irrigation and transplanting. Sagittarius- A fire sign. Barren and dry. Harvest roots and onions for storage, and plant onion sets and fruit trees. A good sign in which to cultivate the soil. Capricorn- An earth sign. Productive and dry. Good for planting potatoes and other root crops, and for encouraging strong hardy growth. Good for grafting, and pruning to promote healing, and applying organic fertilizer. Aquarius- An air sign. Barren and dry. Harvest root and fruit for storage. Cultivate, destroy weeds and pests. Good for planting onion sets. Pisces- A water sign. Very productive and moist. Second best sign for planting and transplanting. Especially good for root growth and irrigation. Planting by the moon has worked for me, give it a go... you will not be sorry..

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LANDSCAPING & GARDEN CENTER

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MOUNT

Prayers for healing, Like Jesus. Tavira Christian Centre Thursday 6pm Phone Beth 966807604

“One of the most sublime utterances that any being has ever spoken on this earth.” Malcolm Muggeridge

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Conceicao de Tavira

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Expert financial advice By Dan Henderson, Partnaer, Blevins Franks

Can you afford the cost of living longer?

ife expectancy is the highest it has ever been. Today, Britons aged 65 can expect to live for another twenty years on average – five years longer than in 1989. Not only are people living longer, many are enjoying a lifestyle that is more active (and arguably more expensive) than previous generations. So how can you make sure your money lasts as long as you do? Getting value for money Many retirees favour low-risk, ‘safer’ investments like bank deposits in later years. But with potentially 30 years or more to fund in retirement, this is often a false economy. While the cost of living generally increases over time, interest rates within Europe are currently lingering at or near zero – which means many people with bank savings are actually earning a negative real rate of return. In times like this, savers need to look further afield for returns that can keep up with the cost of living. Expatriates also need to consider exchange rate risk. If you take income in pounds while spending euros in your daily life, you may find your money does not go as far as it once did. With both currencies vulnerable to Brexit developments, it is more important than ever to have a well-diversified

portfolio with a mix of assets, like equities, bonds and property as well as cash. You should also spread investments across countries, regions and market sectors to minimise overexposure in any one area. The key is to find the right balance of risk and return for your peace of mind while making sure your savings and investments are structured as tax-efficiently as possible for your situation. Pensions to last a lifetime Unless you have a ‘final salary’ pension that provides a generous fixed income for the rest of your life, outliving your savings is often a real risk. You could transfer UK pension funds to a Qualifying Recognised Overseas Pension Scheme (QROPS) or reinvest a lump sum in Portuguese-compliant arrangements to unlock tax advantages and provide more flexible access, such as the ability to choose the currency of withdrawals. Before making any decisions about your pension, it is essential to take regulated, personalised advice to avoid pension scams and establish the best approach for your particular objectives and circumstances. An adviser with cross-border tax expertise can outline the available opportunities – in the UK, Portugal or elsewhere – to ensure you do not pay more tax than necessary.

For the best results, take professional advice designed for your unique circumstances and goals. Good financial planning can help put you on track to afford the lifestyle you want for as long as you need, so you can focus on enjoying a long and comfortable retirement in Portugal. This article should not be construed as providing any personalised investment advice. You should take advice for your circumstances. 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.

Starting a business in Portugal, step by step

nyone can start a business in Portugal, irrespective of the nationality or residency, providing you have a good idea and the capital required to make it work. Getting the proper tax advice will help you identify tax breaks that you are eligible for, and it also makes going through the bureaucratic process much simpler. Although many expats do feel that the process is bureaucratic and confusing we will try to help you navigate the system. Here are five things you should know when starting your business in Portugal. Business environment in Portugal According to the World Bank’s Doing Business 2018 report, Portugal figures at number 29 in the ‘Ease of doing business’ ranking which uses 11 indicator sets to measure aspects of business regulation that matter for entrepreneurship. This report evaluated 190 developed countries based on the ease of starting a company, funding it and carrying on business. The report maintains that it is quicker and easier to start a business in Portugal than France or Italy, for instance, and very similar to the neighborhood country Spain, but obtaining business credit continues to be a tough task. Step 1: Choose a name for your company Any proposed name can be checked

against a computer database. If the name has not already been taken that name can be registered via a Validation Certificate (Certificado de Admissibilidade) issued by the National Registry of Companies. This certificate can be issued in a week and it’s normally valid for 3 months. Step 2: The business structure You can structure your business in many ways, these are the most common. You can decide to be the sole proprietorship, so using a Sole Shareholder Private Limited Liability Company (Sociedade Unipessoal por Quotas). If you choose to run the business with other individuals, other options available are Private Limited Liability Company (Sociedade por Quotas) or Public Limited Liability Company (Sociedade Anónima). Step 3: Setting up the company With the name and structure chosen, it’s time to sign the deed of incorporation at a notary. This can be done electronically and allows the creation of a company almost immediately. The company will be given a tax number (NIF) and a social security number. The deeds will also include: the identification of the partners/shareholders; Name and type of company (Limitada, etc); Activities of the company; Head office of the company; Share capital of the company; Each shareholder's/ partner's capital share in the company;

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

All assets that form the share capital in kind and cash Step 4: Starting the activity Once you sign the deeds, you need a bank account for the company. Only with the IBAN information, your accountant can register the activity of your new business at the tax office. Please note that once you create a company, it’s mandatory to appoint an accountant to register your activity and prepare your VAT declarations, amongst other tax obligations. After Registration Once the company is registered your accountant will normally take care of the following additional tasks: • Register the directors and employees with the Social Security • Create the Shareholders Meeting Book (Company Minutes) which all pages need to be signed by the shareholders • Make the initial minutes, indicating the salary of the director and other relevant business information Companies have also an obligation to ensure health, hygiene and safety at work for employees. This needs to be certified by an independent company. Don’t forget to take out compulsory employees' accident insurance at a private insurer. This covers all salaried workers and managers. Step 5: Last but not least, you need to have an official complaints book, which

web: www.allfinancematters.com

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MONTE da PALHAGUEIRA VILLAGE

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

DESIGNED FOR THE OVER 55’S Monte da Palhagueira offers 33 houses and apartments, exclusively designed for the over 55’s. Set within a traditional village development of 22 acres, just 20 minutes drive from Faro International Airport, the village nestles in the tranquil and picturesque hillside of Gorjões, Faro in the Algarve. EXCELLENT FACILITIES The village offers many unique features, including its own own Anglican Church, public restaurant, tennis court, two swimming pools and an ornamental lake, all set within traditional village surroundings, bounded by stone walled lanes and terracotta tiled buildings. COMPLETE PEACE OF MIND In addition, village properties all have access to British trained medical staff, on duty at all times, via an aid call system linked to the village nursing home. MAKE AN ENQUIRY For Roberts on ++351 289289 990900 For further further information information please pleasecontact contact Clive Alexandre Neves on ++351 990 900 E-mail: montedapalhagueira@gmail.com ΙWeb: Web:www.retirementvillageportugal.co.uk www.retirementvillageportugal.co.uk E-mail: mdpvillage@amesburyabbey.com Monte Monte da da Palhagueira PalhagueiraVillage, Village,Gorjôes, Gorjôes,8005-488 8005-488Sta. Sta.Barbara Barbarade deNexe, Nexe,Algarve, Algarve,Portugal. Portugal. Part of the Amesbury Abbey Group, Church Street, Amesbury, Wiltshire SP4 7EX www.amesburyabbey.com

will hopefully never be used by your clients. This is now obtained online, so clients can register their complaints or compliments, on the web. Taxation There are different taxes paid by companies in Portugal, here are the most common. Corporate tax is 17% for first 15,000€ of profit and 21% thereafter. Social Security is 23.75% of the gross salaries. Municipal business tax can be up to 1.5% and are determined by each municipality each year. As a matter of interest companies with head office in the municipalities of Loulé, Tavira Olhão, São Brás de Alportel, Castro Marim, Alcoutim, Lagoa, Monchique or Aljezur, are exempt fom this tax. The tax paid by the shareholders on dividends is 28%, but if you are resident you may be tax exempt on 50% of the dividend received. Incentives to create a bussiness Depending on the market sector you wish to do business, there may exist some different incentives or tax reliefs applicable. Please feel free to visit us for a friendly chat and ask us how we can help you to turn your business idea into reality.

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Expert financial advice By Andy Oliver, deVere, Portugal.

Portugal: enchanting wealthy retired expatriates

hen the financial crisis in 2010 knocked Portugal’s economy, hundreds of thousands of its populace fled, making the most of the EU’s free movement decree. This allowed people to find jobs in countries that had been knocked a little less, such as Germany and the UK. Now however, Portugal is getting back on track. It welcomes rich retirees going in the other direction. Instead of jobs it offers a warm climate and an inexpensive retirement. The affluent baby-boomer generation (1946-64) have been migrating to sunny Portugal, in particular Lisbon, Algarve and Porto drawn in part by the spectacular tax exemption Portugal has to offer foreign incomes. Under the nonhabitual-residency scheme, pensions from overseas can be drawn down taxfree for a decade. Bilateral agreements between countries are supposed to ensure that income does not end up being taxed twice. Some countries seeking a boost in domestic demand are luring the wealthy immigrants by arranging matters where they are able to avoid paying tax on income that is earned outside of their country of residence. This includes pensions, capital gains, dividends, rental income and interest. For a person to qualify they must first become a tax resident of Portugal, and should remain for more than 183 days in Portugal during the relevant fiscal year or have a dwelling in Portugal with the intention of holding it as the habitual residence. Portugal is not the only EU country to offer foreign pensioners a doces deal. Malta also exempts pensioner’s over the age of 61 years in receipt of a pension income up to €13,200 from tax altogether. This applies to all types of pensions, including social security; treasury; local and also foreign pensions. Cyprus also offers a generous exemption of 5% tax or allows people to take their entire pension pot as a lump sum taxfree. This was once very attractive to UK civil servants but unfortunately it looks almost certain that those receiving UK government service pensions abroad will lose these advantages.

There has however been some backlash under considerable fire for providing from governments elsewhere being tax breaks to foreigners while many of undercut. Particular vocal critics are the its citizens are struggling financially. Nordic countries, most recently Finland. One Portuguese political party, the Left Finland has recently called for the Bloc, has proposed closing the pensions nullification of its bilateral tax treaty with loophole, stating: “When you don’t tax Portugal. If Portugal does not accept one group of people you end up having a draft deal letting Finland tax pension to increase the tax burden on another drawn-downs by its retirees there by group. That’s unfair.” The truth of the matter November, it will start is that withdrawing doing so anyway in 'In March 2017, the from a double January. The minister British government taxation agreement of finance, Petteri rare. However, Orpo stated “The announced it would begin is pensions are a tax treaty between Finland and Portugal charging 25% exit taxation matter of increasing tension, especially is inconsistent with on all international as governments see the notion of fairness as lowregarding the taxation pension transfers outside pensions hanging fruit in terms of pensions. This is of taxes. Denmark why the government of the EEA' ended its deal with is proposing that the treaty be terminated from the start of Spain and France in 2009, also because 2019.” Finland estimates it loses €3-6 of disputes regarding pensions. In million a year in revenues to Portugal the case of Portugal, other countries but says that as a matter of principle it are likely to follow suit in relation to can no longer tolerate “tax refugees”. If pensions. Sweden’s finance minister, Portugal fails to adopt the treaty by the Magdalena Anderson has voiced similar beginning of 2019, the tax treatment of criticism expressing “Swedes are free to pensions paid to the country would be move to Portugal because of the climate, determined by the legislation of Finland. wine or even the fado music, but not to The Finnish government would thereby avoid taxes.” Typically countries have have the right to levy taxes on pensions taken pension matters into their own hands. France for example will begin paid to its citizens residing in Portugal. It is important to remember that taxing all French pensions that are paid pensioners play a vital role in Portugal’s abroad. With Brexit on the horizon those tourism industry, which contributed to living in the EU could also be in line for 17% of the country’s GDP in 2017, and repercussions. In March 2017, the British one in five jobs are linked to tourism. government announced it would begin Further to that, the average pension charging 25 per cent exit taxation on all paid to Finns living in Portugal is around international pension transfers outside €3,500 a month. Since prices are a of the EEA or to a country without an fifth lower than the euro-area average HMRC qualifying scheme where the that goes a considerable amount client is a resident. Currently, those living further. According to Sirpa Uimonen within the EU aren't affected but it won't of the University of Helsinki, Finns be long until they are. living in the Algarve spend €14,700 a Retired foreigners may soon have to year on average, over 20% more than decide whether Bacalhau á Bras and pasteis de nata are enough of a draw! Portuguese locals spend. Portugal’s generosity to retired foreigners If you are interested in finding out has been disparaged by Portuguese more about your pension options, get locals. They can pay up to 48% on their in touch with one of deVere Portugal’s pensions; and property prices rose by international advisors who specialise in 10% last year which was likely caused cross border cases. They can help you by the extra demand from foreign establish the most suitable approach for buyers. The government has come your personal situation.

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deVere Portugal is a permanent establishment of deVere Spain S.L, which is authorised to trade in Portugal and registered with DGS nº J2807, PI www.eastalgarvemag.com 43 insurance with AIG Europe Limited Sucursal in Spain, appropriately qualified according to the law. • 7NPP5X • V1.1/260718

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Expert currency advice By Emma Bullock, Business Development Manager, GCEN

Why use an FX company?

hether the exchange exchange rates to move. We will give rates are good for you, you updates on the exchange rates and or bad, it is always movements in the market and help you important to make sure decide when the best time to transfer you are using the best your money. possible method of transferring money We have options to help you that for you. you cannot get from your bank. Most people’s first reaction to thinking We can set limit orders, where if you about transferring money abroad is to have a specific exchange rate in mind go to their bank. After all the banks deal we monitor the exchange rate and buy with all things money, don’t they? They the currency when the rate gets to the do, but they don’t specialise in one area, level you have requested. We can also unlike a foreign exchange company. If forward buy, which is similar to buy now you have not considered this before then pay later. you may be wondering why you would You have a dedicated account do this, rather than using your bank. manager. With GCEN you have one There are 5 main reasons: contact who gets to know you and your To save money. We give better requirements, so they are best placed to exchange rates than the high-street help you. You can visit us at our office in banks. To give you an example at the Vilamoura or we can arrange to meet you time of writing this article a UK high when you are in the Algarve. Your phone street bank was offering GBP/EUR at calls are answered by a member of our 1.075 and we have seen interbank* highs team, no need to navigate automated messages, we’re at the end of the line of 1.125 *Interbank is the level banks buy and sell waiting to help. to each other at, when they are dealing in Save money on international bank vast quantities. It is not a level that your charges. Transferring money abroad average person transferring money can with your UK bank may mean paying buy currency at. international bank transfer charges. We are specialists in currency. It’s When a bank sends money abroad they what we focus on and because of can charge between £10 and £40 for the This may18:03 not seem this we can tell you AD what is causing the transfer. PROTECTED GCEN 180x85 master.qxp_Layout 1 30/08/2018 Page 1a lot if you

3 4

MAXIMUM PROTECTION WITH GCEN | GCS

are transferring €400,000 to buy your property. If you consider after you have bought, you may transfer money every month to pay your mortgage and/or bills. These charges can amount from £120 to £480 per year. If you use GCEN you can cut out these costs by transferring your money to our UK bank account in Sterling, removing the international payment costs and saving yourself money. Want to know more? Why not ask us for a copy of our eBook called "How To Transfer Money To Portugal" and packed full of information about: • buying a property in Portugal • how to pay for the property • how to pay for upkeep once you have bought It should answer all your questions about money transfers and GCEN in one simple guide. You can also complete your free banking, payments and FX health check in only a few mins, and see the cost savings you can make. For a copy of our eBook, free FX health check or if you would like to find out more about GCEN and how we can help you or your business transfer money you can contact us on Portugal 289 093 137 or UK 01622 815201 or drop us an email at portugal@gcen.co.uk

Since 2003 GCEN (Global Currency Exchange Network Ltd) have helped over 100,000 clients transfer money worldwide, securely and efficiently. GCS (Global Custodial Services Ltd) is GCEN’s sister company, a specialist financial services provider offering client money services and is licensed to hold client money.

GCEN can offer

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• Spot and forward FX transactions

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• Investor due diligence

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WORKING WITH YOU TO KEEP YOUR MONEY SAFE

To find out how we can help you Portugal: 289 093 137 UK Tel: 01622 815 201 email: emma.bullock@gcen.co.uk www.gcen.co.uk GCS Ltd is licensed to hold client money, authorised and regulated by the FCA and holds Part IV Permissions under the FSMA 2000. Registration number: 595875 GCS holds a total of 15m Professional Indemnity, Directors & Officers and Cyber Security Insurance. GCEN is authorised and regulated by the FCA reference number: 504346. GCEN is a money services business regulated by HMRC under the money laundering regulations. Company reference: 12137189.

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Oliver Fisher

LEFT: Sacavenenses keeper foils an Olhanense (grey) attack BELOW LEFT: Djalmir acknowledges the fans BELOW Djalmir (left) and manager Ivo Soares

First league defeat for two months All the latest sports news from Chris Wright.

n the Campeonato Portugal a run of three victories and two draws by SC Olhanense came to an end when they lost 1-0 in Lisbon to Oriental on the day the clocks went back. Earlier in the month a hard fought 1-1 draw at Angrense in the Azores, thanks to Hassan’s first goal of the season, was followed by a 2-1 home win against Sacavenense. The main talking point was the inclusion in the match day squad of 42 yearold Olhanense legend Djalmir. The Brazilian striker netted twenty goals in twenty-seven appearances when the Olhão based club gained promotion to the Primeira Liga under Jorge Costa in 2009. The following season in the top flight he added twelve goals in seventeen outings and on the 1st May 2011 he cemented his cult status among the Olhanense faithful when he scored in the ninety-third minute equaliser to secure a 1-1 draw with Benfica which saved the club from relegation. Djalmir was on the bench as Stevy Okitokandjo set-up Hassan for the first goal and then

added the second himself when he received the ball just inside the Sacavenense half and made a beeline for goal. Just when it looked as if he had overrun the ball the 24 year-old Dutchman slipped his shot past Cardoso. With two minutes to go Xavier Fernandes gave the visitors hope when a long range shot found the back of net. There was a resounding roar when Djalmir made his entrance with five minutes of stoppage time to play. The Brazilian showed a deft touch or two as he harried the visitors defence and held the ball up as his team saw out the game. HOME GAMES On Sunday 18th November - kick-off 3.00pm -SC Olhanense entertain Os Armacenenses (Armação de Pêra) at the José Arcanjo Stadium, Olhão (behind McDonalds on the EN125). Both clubs are currently in mid table in Group ‘D’ of the Campeonato Portugal, the third level of Portuguese football.

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Sport

Cristiano Ronaldo

CRISTIANO RONALDO CLOCKS UP ANOTHER RECORD

ristiano Ronaldo became the first player to score four hundred goals in Europe’s top five leagues, as Juventus dropped points for the first time this season against Genoa. Ronaldo’s fifth goal in ‘Serie A’ was added to his eighty-four Premier League strikes for Manchester United and three hundred and eleven in La Liga for Real Madrid. CR7’s record breaking goal was cancelled out when Daniel Bessa scored in the second-half for Genoa. Five years ago Bessa was at SC Olhanense, then in the Primeira Liga, on-loan from Inter Milan but he only managed thirteen minutes of playing time all season! At the same time that Bessa signed for Olhanense another Inter loanee, goalkeeper Vid Belec, joined the Olhão club. Belec played twenty-two games for Olhanense before joining Turkish club Konyaspor and has subsequently make eleven international appearances for Slovenia.

WALKING FOOTBALL IS DIVINE

here is no doubt that Walking Football has become a runaway success not only for its physical benefits but its ability to embrace all senior members of society and create a camaraderie among people of many nations. No where was this more apparent than when East Algarve Walking Football recently welcomed groups from Keynsham (Bristol), FC Prostata (Copenhagen) and the Benfica Foundation (Lisbon). Sixteen members from Ulrich Graffe (FC Prostata) Keynsham enjoyed sessions at the São Bras with their trophy Municipal Stadium and José Arcanjo Stadium, Olhão as well as social interaction with their new found friends in the Algarve. A week later and FC Prostata - all their players have recovered from prostate cancer - and thirty-five members of the Benfica Foundation were the guests. Thanks to sponsorship from Divine Home Real Estate, EAWF were able to create a programme of games and entertainment which concluded with a late lunch at the Olhão Casa do Benfica. Jan de Wee of Divine Home said, “it was a wonderful day helping people to maintain a healthy lifestyle but more importantly it engendered a true spirit of friendship despite the language barriers!” A memorable day drew to a close when one of the EAWF players, Mike DJ Bristow, received a rendition of Happy Birthday in three languages! Benfica ’A’ won the John Mortimore Trophy with EAWF Olhão taking the runner-up spot but very sportingly handed their trophy to the Danish FC Prostata team in recognition of their battles against cancer. www.divine-home.co.uk www.walkingfootballalgarve.com

Fun and friendship was the order of the day

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Luigi Agnolin

PRESIDENT PASSES AWAY

uigi Agnolin, one of European football’s leading referees in the 1980s, has passed away at the age of 75 after a long illness. Luigi Agnolin had been President of the Olhanense SAD professional football section for the past five years. In an illustrious refereeing career he took charge of a UEFA European Cup Winners’ Cup final and in 1987 he officiated at the European Champion Clubs’ Cup final between PSV Eindhoven and Benfica in Stuttgart. Agnolin refereed at the FIFA World Cup in Mexico where he took charge of the semi-final between West Germany and France. Sporting Clube Olhanense, the Board of Directors, technical staff, players and supporters send their heartfelt condolences to his family.

Golf

Meet the Pro

Monte Rei's Golf Operations Manager and Head Professional Neil Turley

eet Neil Turley, the recently appointed Golf Operations Manager and Head professional at Monte Rei Golf. Forty eight year old Neil from Kingswinford in the West Midlands, U.K. has been a PGA golf Professional for 30 years and started playing golf seriously at the age of around 11 years old. Neil played county golf as a junior and then turned professional as an assistant professional in 1988 working for the very experienced professional Nick Underwood at Kidderminster Golf Club. He trained with Nick and graduated as a fully qualified professional, later playing full time tournament golf, with a spell on the European Challenge Tour. After the challenge tour Neil took on the new challenge of developing golf in Bulgaria. He considers himself very lucky to be involved in the complete process of the 2 Gary Player signature courses; Blacksearama and Thracian Cliffs, taking both the courses from ground zero to fully staffed and working resorts. One of the highlights of this was opening the course with Mr. Player and the opportunity to play 9 holes with him. After Bulgaria, he headed up a golf team at a Marketing and events company back in the UK, overseeing many corporate golf tournaments both in the UK and abroad. This then opened up the opportunity to work and meet the team at Monte Rei. Immediate plans are involved with the development and opening of the new course as well as continuing to improve the first class service at Monte Rei. On a personal note, Neil hopes to qualify for the British Senior Open Championship 2020. It was a real pleasure to meet Neil, we wish him great success and look forward to working with him in the future.

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High Season

1 Green Fee + 1 Buggy

2 Green Fees + 1 Buggy

91€

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Low Season

1 Green Fee ++1 Buggy

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High Season –High October 2018 +2018 March toto 15th May & 16th to September Season – October + March 15th May 2019 2019 & 16th September October 2019 to October 2019 th th Season – November to February 2019 & 16& May to 15May September 2019September 2019 Low Season Low – November 20182018 to February 2019 16th to 15th

Prices are valid for 18 holes and include 23% VAT Prices are valid for 18 holes and include 23% VAT

Contacts: Contacts: Phone: 281 +351 531 281 531 Phone: +351 615615 E-mail: golf@quintadovalegolf.com

E-mail: golf@quintadovalegolf.com

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Free Classifieds P R O P E RT Y Property required for purchasing clients in the following areas; Moncarapacho, Tavira, Estoi and Sao Bras area for established real estate company Russell and Decoz, Lda. Telephone 289 792785 – email sales@russelldecoz.com Good quality properties required in the area of Tavira, Moncarapacho, Estoi, Sao Braz, Manta Rota and Praia Verde by established estate agency Land & Houses Algarve – Yellow Homes. Call 281 320 281 or email info@landandhousesalgarve.com Good quality rentals villas and apartments with pool required by established property management and letting agent Happy Homes Algarve. Call 281 320 283 or email rentals@ portugal-accommodation.com 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 Rent free accommodation for help land and animals - 916 949 826 Tavira central holiday cottage to rent, two persons: carla.bird@yahoo.co.uk

FO R SA LE Typical Portuguese dining table with 8 chairs. recently renovated,very good condition. Leather seats & backs. Table extends from 1 mtr 50 to 2mtrs. Offers around 500e. Will need to collect. 912 873 038.

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

Music for parties, bars & restaurants, Call Richy, 281 971 484 See www.fontebispo.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

ACTI V ITI ES 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

Looking for Swedish teacher to teach small children. Call Leo 912510860

YOGA & PILATES - contact Hazel on 91 307 5555 or email: hazel.devine@ntlworld.com for details

Looking for private music lesson for three small children Tavira area. Call Leo 912510860

Scottish Country Dancing at the Casa do Povo Moncarapacho, Thursdays 5.30 ~ 7.30PM.e-mail David on daviddenman1@ hotmail.co.uk

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.

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Help required in exchange for rent free accommodation 916 949 826 Portuguese conversational classes by native Portuguese speaker who is also fluent in English. For more information contact Ana: 914 958 446 or ana.antoniogill@gmail.com. Skype classes possible after initial contact.

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EVENTS

EVENTOS

SCANDINAVIAN VINI CUP Sábado/Saturday 17/02/2018* Greensomes Almoço/Lunch Vinhos/Wines A Conﬁrmar | To conﬁrm

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70€

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8º BENAMOR CLASSIC Sábado/Saturday 07/04/2018* Texas Scramble Almoço/Lunch

40€

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ALMOÇO/LUNCH

8º BENAMOR CLASSIC Sábado/Saturday 05/05/2018* 4Ball Betterball Almoço/Lunch Vinhos/Wines A conﬁrmar | To conﬁrm

8º BENAMOR CLASSIC Sábado/Saturday 15/09/2018* Ind. Stableford Almoço/Lunch Vinhos/Wines A confirmar | To confirm 8º BENAMOR CLASSIC Sábado/Saturday 13/10/2018* Greensomes Almoço/Lunch Vinhos/Wines A confirmar | To confirm 8º BENAMOR CLASSIC Sábado/Saturday 03/11/2018* Ind. Stableford Almoço/Lunch Vinhos/Wines A confirmar | To confirm

Combinamos a paixão pelo golfe com os sabores e aromas da nossa cozinha e vinhos!

SCANDINAVIAN VINI CUP Sábado/Saturday 17/11/2018* 4Ball Betterball Almoço/Lunch

We combine the passion for golf with the ﬂavours and aromas of our cuisine and wines!

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*Datas estão sujeitas a alteração sem aviso prévio | * Dates are subject to change without warning

seja responsável. Beba com moderação | be responsible. Drink in moderation | www.bebacomcabeca.pt

Para mais informações | For more information: reservas@benamorgolf.com www.benamorgolf.com