Oct18 East Algarve Magazine by Richard Bassett

OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO ISSUE NO. 118 OCTOBER 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 October issue and what seems like an extended Summer. Beach days are still possible and this month we feature one of my favourites, Fuseta. Itâ&#x20AC;&#x2122;s a great place see the traditional fisherman, visit the beach and beautiful coastline, without getting your feet wet. Nanobrew craft beer boutique has recently created a chic bar, offering an outstanding choice of ales, stouts, and beers, right in the heart of Fuseta, as well as this we introduce the very latest technology in golf, Trackman 4, which is now available at Benamor Golf. 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 22 24 26

NEWS Local news. HEALTH Clinical Pilates. PLACES NanoBrew. FOOD A recipe from Chilli Boy Piri Piri.

PLACES Fuseta.

30 34

16 10

PROPERTY Property prices in 2018. PROPERTY Property of the month. TAVIRA Look out for our advertisers on the map of Tavira. PROPERTY A beautiful town house. GARDENING Preparing for winter.

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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. GOLF PRO TIP TrackMan at Benamor Golf. CLASSIFIEDS Grab a local bargain.

News

Algarve has ten resorts among Europe’s golfing elite popular the Algarve is for all visiting golfers. “It’s always a privilege for us to welcome our guests, whether they are regular visitors or coming to the Algarve for the first time. There are so many fantastic resorts to enjoy and it gives us all great pleasure to know that our region remains more popular than ever.” As the Algarve tourism association (ATA) points out, the region also boasts many outstanding stand-alone courses, including Dom Pedro Victoria in Vilamoura, which hosted the Portugal Masters event once again. “As an appetiser to the forthcoming Ryder Cup”, there was added interest with 2018 European team winners Sergio Garcia and Thorbjorn Olesen both in the field as they warmed up for the event in Paris. Vice-captain Padraig Harrrington – the 2016 champion at Victoria – was also in the star-studded line-up, said ATA.

EN125 bridge in Tavira to undergo major renovations

round €500,000 will be spent on major renovations to the EN125 bridge in Tavira over the Almargem stream. The works have been announced by the national infrastructures authority (IP) and will last around three months. They will begin “after the summer season” when there

will be fewer drivers on Algarve roads. In order to ensure that traffic is always flowing, the works will be carried out in phases so that there is always one lane open. The revamp will include the “structural reinforcement of the bridge”, several repaving works, a new paint job and improvements to the side pavements and guard rails as well as

the drainage system. The works are considered urgent following an inspection in April which found that the bridge is in dire need of an overhaul. Tavira mayor Jorge Botelho is “very happy” about the news, having told Correio da Manhã that the bridge shows “signs of degradation” and needs “serious repair work”.

HAIR STUDIO

The

Source: www.portugalresident.com

he Algarve has proved once again that it is one of the world’s premier golf destinations, with Golf World’s newlyreleased ‘Top 100 European Golf Resorts’ list including 10 of the region’s resorts. In fact, the Algarve is the most popular region on the list with 10 entries, which stretch the entirety of the Algarve’s coastline. Quinta da Ria and Monte Rei in Vila Nova de Cacela are the representatives in the Eastern Algarve, while San Lorenzo, Quinta do Lago, Vale do Lobo, Pestana Vila Sol and Pine Cliffs were the selected golf destinations in the centre. In the Western Algarve, the awarded resorts were Amendoeira, Penina and Onyria Palmares. Maria Manuel Delgado e Silva, the Algarve’s golf product manager, said: “The Golf World Top 100 European Resorts is a valuable resource for choosing golf holidays and shows, once again, just how

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Gents Cut 10€, Ladies Cut & Blow Dry 20€.

Mon closed. Tue 10-4pm. Wed 9.30-2.30pm. Thur 10-4pm. Fri 10-3pm. APPOINTMENT NOT ALWAYS NECESSARY 6

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NOTICEBOARD THE EAST ALGARVE INTERNATIONAL CHOIR

sings traditional songs from all over the world! We are looking for an enthusiastic maestro/conductor and... welcome new members: Experienced musicians

Male and female voices, (with or without experience)

Rehearsals every thursday in Luz de Tavira Feel free to contact:

East Algarve International Shanty Choir +351 926684061

eastalgarvechoir@gmail.com http://www.eaisc.eu

ENGLISH MOBILE MECHANIC

Call Paul on 00351 914 417 580

HOLIDAY RENTAL TAVIRA

Entire Top floor of apartment with two bedrooms, living room, bathroom and private terrace overlooking Tavira Castle available for holiday let. Call 916 881 149

ENTERTAINER

Music for parties, bars and restaurants, Email Richybassett@hotmail.com, www.richybassett.com

Apple products maintained and repaired iPhone • iPad • Apple watch • Macbooks

New Batteries, screens replaced, water damaged phones repaired.

Used iPhones for sale, all guaranteed Tel: 961 700 200 email: info@eastalgarvemag.com

iPhone 6s from ¤200 iPhone 7 from ¤330 email info@eastalgarvemag.com for stock list and prices

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Health

Clinical Pilates

How Clinical Pilates can improve your posture and reduce anxiety and stress.

linical Pilates is a method of therapeutic exercise that can be performed by different age groups and aims to prevent, recove rand improve your

posture. With Pilates Clinic, the traditional Pilates method exercises are divided into diferente difficulty levels adaptable to each person. When the practice begins, the exercises emphasize the core muscles (abdominal musculature) so that it is worked and activated more effectively and therefore muscle compensations that can cause or aggravate injuries are avoided. Different equipment can also be introduced that can facilitate at the beginning or later make it difficult to perform exercises, such as weights, balls, elastic bands and Pilates bows. The Clinical Pilates is based on 5 key elements: • Breathing. • Activation of the center. • Alignment of the costal grid.

• Alignment of the shoulder blades. • Alignment of neck and head. In order to achieve these 5 elements during the exercises it is necessary to be able to concentrate and and have selfcontrol awareness, so that the exercises are performed with fluidity, absence of pain and with minimum effort for the spine. The benefits of practicing regular Clinic Pilates classes include: • Gain of muscular strength, flexibility, coordination and balance. • Increased accuracy, control and fluidity of body movements. • Increased correct body alignment and posture. • Spine stability maintainance. • Gain of concentration and body awareness. • Reduction of anxiety and stress. Pilates Clinic is considered a complete method in which one works the body and the mind so that both are healthy. Visit Fisioclube Holistic Therapy Center, where we can improve your quality of life and well-being.

Fisioclube FUZETA

HOLISTIC THERAPY › Osteopathy › Physiotherapy › Global Postural Re-education (RPG) › Nutritional Therapy › Iris Diagnosis › MicroKenesitherapie › Neuromuscular Balance › Auricular Therapy › Neural Therapy › Therapy Taping › Cupping Therapy › Quantum Therapy › Flexion-distraction system › Neural Biopunture

Tel 962 777 701

email duarte@fisioclube.net www.fisioclube.net

Illustrated Portuguese Dictionary, by Maria Libéria Matos

aria Libéria Matos has long enchanted her students with the delightful illustrations she uses to complement her classes. Whether teaching Portuguese to children at the Escola Poeta Emiliano de Costa middle school in Estoi, or to struggling expats, who are learning Portuguese as a second language, Libéria (as she likes to be known) has realised that the learning process is made so much more interesting and stimulating through the use of illustrations. Learning

new words and more importantly memorising them, is made all the easier when they appear next to Libéria’s endearing pictures. To bring this to a wider audience, the talented teacher, and no less talented artist, has compiled her work into an engaging illustrated dictionary - DICIONÁRIO ILUSTRADO DE PORTUGUÊS. Featuring more than 2000 words, the book is logically broken down into all manner of themes and categories, all accompanied by the author’s lovingly drawn illustrations. An ideal companion for students of all ages, this illustrated dictionary makes

learning a new language all the less daunting, while introducing Portuguese words and concepts in a fun and captivating manner. A copy of the book is available for review at the Café Amor Perfeito in Sao Bras Published by LIDEL – EDIÇÕES TÉCNICAS, LDA, www.lidel.pt Available at; www.bertrand.pt, www.fnac.pt Livraria SAGRES - Faro Price: €19.25 ISBN: 978-972-757-986-0

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Art For Everyone Telephone 96 201 2111 www.taviradartes.com taviradartes@gmail.com

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Ruy Barros Hairstyling & Beauty Salon Ladies & Gents Welcome to our new space in the centre of Tavira! With a professional and friendly service. Cut, colouring, perming, hair extensions, hairstyling, hair treatments, massages, face/body treatments, make up artist, epilation, laser, lash extensions, gel nails, nail art, gel polish and much more. MON - SAT 09.00H - 19.00H All year Travessa Zacarias Guerreiro No16, Tavira Tel +351 281 023 636 Mob +351 964 888 810 or 913 999 906 Email: rbcabeleireiros@gmail.com Rui Barros Cabeleireiros e Estetica

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Places

NANOBREW Located in the center of Fuseta, NanoBrew offer a large choice of beers, ales and stouts, all brewed on site by owners Joao and Tone.

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he “Rough Guide” describes the small town of Fuseta as one of the Algarve’s least discovered resorts. Ten kilometers East of Olhao the town sits on the estuary on the stunning Ria Formosa at Armona Island. Still a traditional working town, colorful fishing boats are moored together with the huts used by the local fishermen and the beach is a real paradise for sun worshipers. The narrow streets of the town leading away from the coast brings a small square, shops, traditional restaurants and cafes and the very latest Nano brewery. Nanobrew Fuseta opened in March 2018 with an incredible choice of beers, ales and stouts. Nano breweries are the smallest form of brewing and a hobby for Joao and Tone from near Oslo, Norway. They have worked in I.T., Film Production and Television Presenting respectively, and have found their passion and experience in micro brewing has now become their expanding business. Tone has visited her aunt locally in Moncarapacho for 30 years and they have had their own home in Fuseta for 13 years. Formerly a barber shop, Nanobrew has been transformed into an urban chic, stylish brassiere and a great cozy space. With modern lighting and décor displaying the incredible choice of home made craft beers, the ambience is chilled and the welcome very friendly. The beers are all made onsite with natural ingredients with yeast , corn, malt and hops being bought in the respective countries according to the beers being made. The choice of fresh ingredients are paramount and on average, over fifteen varieties are offered. Batches are made at just 60 liters at a time, with Tone

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People

Visitors comment: "I love to this place! Great beer brewed by the owners themselves, delicious fish tapas and amazing atmosphere. It's like the owners are welcoming you into their home. Simple and tasty decorations, attention to detail, cleanliness and the best music. The lovely Norwegian couple can tell you the story of every drink or food they serve and truly fascinate you. You have to try the chocolate mousse cake, it's homemade and yummy" and Joao traveling to England, Germany and Belgium to ensure authenticity. Choice is outstanding, Rudolf Red Ale (5%) Dry Oatmeal Stout (5%), Trippel Trapp (9.1%), Ginger Beer (7%) and B.B. Blonde (6.5%) to name just a few and the beers, stouts and ales are coupled with various small tapas as well as other international drinks.. With an attractive

vibe and ambience and a mixture of international visitors and locals, future plans include beer and food pairing for special events and groups. They are delighted that they have already seen many more visitors eager to try something different. It was a pleasure to meet Tone and Joao ,stop by and try the beer tasters

(pictured), a great selection of four beers 10 cl for just 5 euros. We wish them much continued success. Contacts: Facebook: Nanobrew fuseta www.nanobrew.pt Email: Tone@nanobrew.pt Telephone 00351 936 136 889 Rua dr VirgĂlio InglĂŞs 114, 8700 - 032

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Places

La Baguette FRENCH BAKERY

IN TAVIRA

Fresh bread, croissants & pastries made daily using French flours on site! Teas, coffee, chocolate and fresh orange. See Facebook for details: 'La Baguette Française De Tavira' Located close to the castle, 20 rua Dos Mouros Tavira T: 281 403 070 E: labaguettefrancaise.tavira@gmail.com

LIVE MUSIC

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Conceicao de Tavira

HOUSE OF TEA

Portuguese & International dishes Daily Menu & Special orders (24h notice) •Veal Fondue •Lamb Shank in Port Wine Sauce •Monkfish rice... Reservations 961 778 244 Open 18h - Late Closed Mondays & Sundays

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Tel: 914 267 339

Open 7 days 7.00am - Midnight We are Over 100 here varieties of Teas São 26 varieties of Brás Crepes 23 varieties of Lidl Hot Chocolate Ice cream, Tavira Loule Pizza & pastries Faro

Food

Chicken Arrabiarta & Spicy Tomato Sauce

Why not try this stunning dish from Viv Thomas, AKA Chilli Boy Piri Piri, taken from his new book 'Chillboys Kitchen'?

am of the opinion that spicy hot food should still fill your mouth with a multitude of exciting flavours. Where possible the flavours should be the first thing you experience then the heat intensity should build in your mouth and linger on the back of your tongue. A fine balance between tantalising flavours and lingering heat levels is what we should be aiming for. Each one of us has a different tolerance to spicy hot

4 People. This dish should not be limited to chicken, use your imagination because the sauce is ideal for a number of different seafoods and fish. I found it goes fantastically with salmon, prawns, scollops, even pork fillets. For the purpose of the exercise we’ll stick to chicken for this one. My Irish ChilliHead friend Tony, says that his Naga chillies are perfect for this dish. Possibly 1 x Naga for an acceptable heat level otherwise 3 or 4 for that trip to the moon effect. Ingredients. • 5 x Chicken Thighs. Deboned and skins removed. • 2 x cans of plum tomatoes. Roughly chopped. • 2 x large ripe tomatoes. Peeled and roughly chopped. • 12 x Garlic cloves. Grated. • 6 x Thai red chillies. Seeded and finely sliced. (Add more chillies if you really want to spice it up). (NAGA!!)

food, from zero tolerance to mind blowing, numb tongue ChilliHead levels.My brother for example will break out in a sweat if he smells a chilli, mention the word curry and he runs a mile. I like to think that I’m sort of middle of the road whilst my buddy Tony is at the high end of the scale. In fact I use Tony as a sounding board for any new crop of chillies we may be harvesting, his opinion on their intensity will determine where or how the chillies will be used.

• Sun dried Tomatoes. Cut into bite size strips. (Save the oil/brine). • 1 x Large onion. Finely chopped. • 30ml Capers. • 1 x Can Anchovie stuffed Green olives. (+/-150gm) • Generous pinch Turmeric • Generous pinch Cumin. • ChilliBoy Piri Piri oil. To sprinkle. • Olive oil to fry the onions. • Bunch Fresh Basil. Leaves roughly chopped. Stem finely chopped separately. • Bunch spring onions. Topped and tailed then cut into thin strips. • Chives. Finely sliced. Method. Debone the chicken thighs (Breast is equally as good, I just prefer the thighs because the tend to be more juicier and flavoursome). Remove the skins and lightly brush with left over oil from sun dried tomatoes. Very lightly sprinkle with Turmeric and Cumin, then using a

kitchen mallet or rolling pin flatten the chicken pieces to about 10mm. Cover with cling film and set aside whilst you prepare the sauce. Fry the chopped onions, garlic and chillies in some olive oil until nice and soft, add the cans of tomato and allow to simmer for about 15 minutes. Add the fresh chopped tomatoes, sliced sun dried tomatoes, finely chopped basil stems, capers and stuffed olives and allow to simmer for another 10 minutes. Using the oil from the sun dried tomatoes, fry the chicken fillets until just cooked, the spices will turn the chicken a lovely golden brown colour. Remove from the pan and slice into thin bite size strips. Mix the cut chicken strips into the sauce along with the chopped basil leaves, stirring gently. I like to serve the sauce on a bed of pasta, preferably the miniature macaroni or similar. Sprinkle the chopped/sliced spring onions and chives over the top just before serving.

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Experiences

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Places

FUSETA

Enjoy the flavours, colours, smells, & tradition

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IN DETAIL

with a selection of photos of Fuseta... We love it!

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People

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Property

Property prices in 2018

Property expert Robert Bijker from Land and Houses Algarve on how monetary policy will effect property prices PROPERTY MANAGEMENT ALGARVEAN COTTAGES

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s we know all good things come to an end eventually. The ECB has confirmed that it plans to taper stimulus on the back of strong labour markets. It has decided to reduce the monthly bond purchase program from €30bn to €15bn from October till year end, increasing the likelihood that it will halt new purchases going forward. This would bring an end to the expansion of their balance sheet. However, they will continue to reinvest funds that come available from maturing bonds. When it comes to the desirability of property, it is all about location and specifications. A home in a prime location will always be more expensive than a similar home in the middle of nowhere. However, property prices in general are influenced by the amount of financial liquidity in the system (money supply) as well as interest rates. Just like low interest rates increase the affordability when a prospective buyer needs a mortgage, high interest rates have the opposite effect. With money supply it is the same, loose monetary policy by central banks lead to inflation of asset prices including property. Tightening of money supply has the opposite effect. On a global scale we are moving away from ultra loose monetary policy and extreme low interest rates to a more normalized situation. Money supply can either stimulate or slow down demand. If anything financial is hard for you to comprehend, think of it like this: ‘You are at a party and free drinks are served from 3 punchbowls (central bank of Japan, Fed in the USA and the ECB in Europe). After a while two punchbowls are removed (Japan & USA), an hour later the last punchbowl is removed, but the bar tender says not to worry; you will need to pay for your drinks but we start with happy hour. Happy hour comes and goes and the price of your drink is going up every hour. Eventually the party ends. So where are we now? The Happy hour in Japan and the USA has ended while in Europe it is just about to start. Over the past years the abundance of cheap and easy money from a loose monetary policy has benefited economic growth and employment and indeed inflated prices of financial assets as a rising tide lifts all boats. As we are slowly moving away from loose monetary policy to a more normalized monetary policy it is likely that the biggest increases in property prices are behind us. According to the US financial rating agency Standard & Poor property prices in Portugal are on track to rise 9.5% this year. The report that came

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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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out early September refers to strong demand from both local and foreign buyers and places Portugal together with Ireland at the top end of Europe. In our own base case scenario for 2018 (published on the 1st of December 2017 ‘Algarve Property Market Outlook 2018 and review of 2017’, see www. landandhousesalgarve.com/articles. aspx ) we expected prices of existing homes sales to rise between 7% to 9% in 2018. An increase in property prices of 9.5% for the year 2018 would be just above the top end of our expectation and great for property owners. Coming December we publish our Algarve Property Market review of 2018 and outlook for 2019 including our view on Brexit, trade wars, the rise of populist parties in Europe and the outlook of the economy of Europe and Portugal in particular now that the period of ultra loose monetary policy is coming to an end. 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

Property

Renovated 4 bedroom Quinta on 2 floors (divided into 2 separate living accommodations) and with huge Barns-workshops. Sitting in 5ha of good arable land .

Property of

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RUSSELL & DECOZ REAL ESTATE Tel: 00351 289 792 785 Mobile 963 085 580 Email: sales@russell-decoz.com A property with great POTENTIAL - already an extensive property with large interesting grounds, OUTLINE planning consent approved for the conversion of the barns into 6 x 1 bedroom apartments to form a tourism project or B&B.

the month

* Mains water * Roman well * irrigation tank of 14m diametre * 220V & 380V electricity * 3x gas water heater * 2 wood burners * septic tank with soak-away * telephone line & Internet connection * SAT-dish * Ample parking * mature gardens * carob, olive, fig trees, shrubs, palm and fruit trees * 11x3m greenhouse * Outdoor stairs up to the terrace * Perfect grazing land to keep horses * Included in the sale are 2 bicycles, a Land Rover jeep ('85) and a British Leyland Tractor. This property is a 'must-see' to appreciate the various possibilities REF:- Ref: 1713Q LOCATION:Fuseta ENERGY CERT:- E

€735,000

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

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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 Horter 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

Good Sized Plot with Ruin and Beautiful Country Views Estoi, 190,000€ Ref. 4653537

Six Bedroom Villa or Two Three Bedroom Villas with Pool – Estoi, 690,000€, Ref: 4673671

This pretty plot with the ruin of a typical Algarvian Quinta (Farmhouse), is ideally located just five minutes from Estoi. The ruin sits on the top of a hill allowing panoramic views over the countryside. With possibility to build two houses.

ESTOI

This villa is in a beautiful countryside location in between, Estoi and Moncarapacho, in a small hamlet, with a real feel of being in the country, yet knowing that all amenities are close by, even a mini market and café a few minutes’ walk away, giving you the best of both worlds. Split into two identical self-contained villas, which are spacious and share a large pool. With a good rental history, this property is ideal as a home or rental property.

Beautiful Three Bedroom Villa with Pool and Sea Views – Quelfes, 595,000€ Ref: 4676234

Modern south facing villa, open plan living with spacious lounge dining area, three large double bedrooms and two bathrooms. The terraces around the swimming pool and the house are great for entertaining and to enjoy the Algarvian sun. A few minutes' drive to Olhão, with all facilities, restaurants, islands and fish market. Fantastic property as a permanent home or rental business.

QUELFES

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

CONDO FEE INCLUDES UNLIMITED GOLF, SPA, POOL AND GYM USAGE!!

ONE BEDROOM STUNNING APT. €140.000 Ref 2146

• Between Fuzeta and Moncarapacho • Resort with pool, gym, spa, • Sports facilities and 9 hole golf course • Underfloor heating • Air conditioning • Good sized veranda • Beautiful and well maintained • Guaranteed rentals. • Great investment !! • Energy rating C

SPECTACULAR 3 BEDROOM APARTMENT €270.000 Ref 2394

• Free use of all facilities and golf • Same complex as the one bedroom • Air conditioning • Very generous room sizes • Huge private veranda • High ceilings/spacious • Ocean view • Shared pool and gardens • Guaranteed return on investment • Energy rating C

ESTOI

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 OCT2018.indd 1

20/09/2018 11:27

Places Another special renovation project has been completed by Avril Thomas. Every project is executed with attention to detail and quality. This wonderfully refurbished town house has all the modern edges for comfortable living and it is married together with a splash of Portuguese nostalgia in keeping with Portuguese tradition. 2 double bedrooms en-suite, living area, open plan kitchen dinner, opening onto a large patio with splash pool. See it and feel at home. Contact: avriltomas@gmail.com

BEAUTIFULLY DESIGNED

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TOWN HOUSE FOR SALE

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Hobbies Once you master patchwork, there is no end to your capabilities.

How to select your fabric for Quilting.

here are no quilting rules that says you must sew with one type of fabric or another. Go ahead and use a fabric if you like it, but do try to determine what type of fabric it is so that you'll know how to care for the quilt when it's finished. Most quilt block and fabric swaps require that you use all-cotton fabrics. Reserve fabrics made from other materials for your own use or for swaps that allow variations. You Might Say... 'I Always Buy 100-Percent Cotton Fabrics' Do you ever buy fabrics on eBay or at estate sales and flea markets? What about your non-quilting friends, do they ever offer to give you excess fabrics? Have you received unknown fabrics in a fabric exchange? Unless you are sure that fabrics are cotton, there's no way of knowing their fibre content without performing a few tests. Learn how to do a fabric burn test that helps you identify what a fabric is made of. A burn test is performed by setting a small piece of fabric on fire, monitoring the flame as it burns and inspecting the ashes after the flame is gone. Knowing fabric content is important to quilters because we typically sew with 100-percent cotton. It's especially important to know fibre content if you exchange fabrics with others who expect to receive cotton fabrics. No matter what type of project you are working on, from quilts to upholstery, a burn test that identifies fibres will help you determine proper care instructions. Fabric Burn Test Supplies • The fabric(s) you want to test. • A flameproof container with walls — try a large ashtray and consider placing it in another container, such as a sink where water is handy. • Long matches or another source of a small flame.

What Fabric is Best for Patchwork Quilts? • A pitcher of water to extinguish the flame if you aren't working in a sink. • Long tweezers. How to Do the Fabric Burn Test Perform the burn test outside on a day that's not windy, or in a well-ventilated area inside, away from flammable items, children, and pets. 1. Cut small pieces of each fabric you want to test, such as 2" squares. 2. Place a piece of the fabric in your fireproof container and ignite one corner. 3. Pay attention to the odor of the smoke. • Cotton smells like burning paper and has an afterglow at the end of the burn. • An odor similar to burning hair or feathers indicates wool or silk fibers, but silk doesn't always burn as easily as wool. • A darkish plume of smoke that smells like chemicals or burning plastic probably means the fabric is a cotton/ polyester blend. 4. Examine the ashes after they've cooled. • Cotton ashes are soft and fine. They turn to dust when touched. • Black, brittle remnants that crush between your fingers are probably the remnants of wool. • Hard lumps are the remains of melted synthetic fibers. 5. Take one more step. Unravel a clump of threads from another small swatch of the fabric. Hold the clump with tweezers (over your flameproof container) and slowly move a small flame towards the clump. • Cotton fibers ignite as the flame draws near. • Synthetic fibers curl away from the heat and tend to melt. To see exactly how each type of fabric reacts, perform experimental burn tests on fabrics you know are made from cotton, cotton/polyester blends,

wool and other fibers. Fabrics That Are Mistaken for Cotton • Linen produces results that are similar to cotton but linen burns more slowly. • Rayon keeps burning after the flame is removed, and although it has an odor similar to cotton or paper, it does not have an afterglow.

ENGLISH MOBILE

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

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

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CARVALHO ARAÚJO

t is well documented that the Portuguese CEP (Portuguese Expeditionary Corps) lost about a third of its effective fighting capacity in the European theatre of the First World War. All together approximately 12,000 Portuguese troops died including Africans who served in its armed forces on the colonial front. Portuguese shipping also suffered significant losses during this period. Portugal had entered the war when they complied with the British request to confiscate thirty-six German and Austro-Hungarian ships docked in Lisbon. On the 9th March 1916 Germany declared war on Portugal, followed by Portugal's reciprocal declaration. Two years later and only a month before the Armistice a major incident occurred on the 14th October between the naval trawler Augusto de Castilho, under the command of Lieutenant Carvalho Araújo, and the German U-boat cruiser U-139. The U-boat attacked the Portuguese liner SS San Miguel, navigating from Funchal (Madeira) to Ponta Delgada (Azores) with 209 passengers and several tons of cargo on board, under the escort of the Augusto de Castilho. Despite being a small boat armed only with a 65mm gun and a 47mm gun, the Augusto de Castilho engaged the powerful U-139 with its six torpedo tubes and two 150mm deck guns. In order to protect São Miguel, and after using all the smoke boxes available for creating a smoke curtain while repeatedly firing

A portuguese naval hero: 14th October 1918 the stern cannon, de Araújo gave orders for the Augusto de Castilho to turn to port, describing half a circle, and advance towards the German U-139, taking gunfire from the submarine, thus giving São Miguel time to escape at full speed. After two hours of fierce but one-sided fighting, and with several fatal casualties on deck, the guns damaged, without ammunition, and having lost the telegraph and the ship's engine, the Portuguese ship surrendered. However, the German submarine continued firing, hitting the patrol ship with a direct shot which killed Araújo and injured Midshipman Armando Ferraz for a second time. After receiving orders from the Midshipman to abandon ship, the fortyone Portuguese survivors were able to board two lifeboats which several days later reached the islands of Santa Maria and São Miguel. The Augusto de Castilho was then boarded and sunk by the Germans with explosive charges. The heroic Lieutenant Carvalho Araújo who had given his life was posthumously awarded the Order of the Tower and Sword (2nd Degree) and the 1st class War Cross (Silver). José Botelho de Carvalho Araújo’s birthplace, Vila Real in northern Portugal, honoured their war hero with a towering statue and this year numerous projects have taken place to highlight his famous deeds. Carvalho Araújo had previously served on the Vasco da Gama, an ironclad ship built by the Thames Iron Works in London, which served as the flagship of the Portuguese fleet for the majority of her

long career. The 14th October action was U-139's last as a few weeks later the submarine surrendered to France on 24th November 1918. During the conflict ninety-six Portuguese ships were sunk by German submarines. Lothar von Arnauld de la Perière, who commanded U-boat 139 during WW1 was the most successful submarine ace ever with 194 ships and 453,716 gross tonnage sunk. During his career he fired seventy-four torpedoes, hitting thirty-nine times. In a bizarre incident the following year the people of Hastings (East Sussex) woke up to find a U-Boat run aground on their beach. U-118 was being towed through the English Channel towards Scapa Flow, where she was to broken up, when the dragging hawser broke in a storm. Initially there were attempts to displace the stricken vessel and a French destroyer attempted to break the ship apart using her guns. All were unsuccessful, and the closeness of the submarine to the public beach and the Queens Hotel prevented the use of explosives. The stranded submarine became a popular tourist attraction, and thousands visited Hastings that Easter to see her. She was under the authority of the local coast guard station, and the Admiralty allowed the Town Clerk to charge a small fee for visitors to climb on the deck. This went on for two weeks, during which the town gained almost £300 (£13,400 in 2018) to help fund a welcome for the town's soldiers returning from the war.

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Gardening

Who would have thought that Garlic had so many health benefits for both you and your dog?

Preparing your garden for winter

n late summer and early autumn here in the Algarve, barbecues are still grilling, kids are still swimming, and the garden is in full glory. Preparing for the coming winter feels wrong for so many reasons, but if you prepare your garden this autumn, your plants will thank you later. As hard as it is to envisage, winter is a-coming. Depending on where you live, Old Man Winter can be gentle or brutal on plants, trees, and shrubs. We’ve got some hints to help you protect them. PUTTING THE GARDEN TO BED If you’re unclear on what this means, it’s basically about cleaning up garden beds and covering everything that will suffer the cold winds here. Perennials, trees, and shrubs go dormant for the winter instead of dying. They may look dead as a doornail, but they’re simply laying low until the soil warms up and the days get long. Perennials, trees, and shrubs are focusing on strengthening their roots

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by taking in nutrition from the soil. Even compost piles will continue to break down all winter. CLEAN UP AND REPAIR All dead foliage should be removed from garden beds. If there are plants that have died of a disease, such as wilt on tomato plants, bag them up and send them out with the rubbish. Do not add diseased greenery to your compost pile! However, leaves, stems, and spent flowers that have died due to the plants natural life cycle can go into your compost pile. When your deciduous trees drop their leaves, don’t throw them out. Add them to the compost pile or shred them to use as mulch instead. Autumn is the best time to make repairs to your beds, trellises, greenhouses, tools, etc., and you will thank yourself for the forethought when next season comes around. It’s also a terrific time to create a new garden bed that will be ready to go come spring. PREPARE AND PROTECT

PERENNIALS FOR WINTER Winter prep strategy may or may not be useful for you depending on your climate. That said, even if a plant is considered “cold hardy,” if you expect a cold snap, some frost protection can make all the difference. The first and best thing you can do is choose plants that thrive in our climate. Mulch is a perennial’s best friend, especially during the cold months. Mulch with compost, dry leaves, straw, wood chips, cardboard, shredded bark, grass clippings, or newspaper 4 to 6 inches around the base of the plants in the autumn. If spring arrives early and brings unusually warm temperatures, feel free to pull the mulch away from the plants a bit. Tender bulbs such as begonia, dahlia, ranunculus, canna, caladium, gladiola, freesia, and gladiola should be gently lifted from the garden and stored in a dry, cool space for the winter to be replanted next season. Daffodils, crocus, tulip, and hyacinth are good examples of hardy

Gardening

bulbs that will tolerate cooler soil. PREPARE AND PROTECT TREES AND SHRUBS FOR THE WINTER Commercial garden fabric, fleece or tarps make useful winter protection. Ideally, these items should shield the plants without touching them. The materials become wet and occasionally freeze, which can damage the plant underneath. So, using stakes or a frame to hold the fabric around the plants is your best bet. Any type of cover used should go all the way down to the root zone. Sheets, blankets, and drapes can be recycled and used as plant blankets as well. Plastic can be used in place of a heavier material, but again, be sure to use a frame to keep the plastic off the plants. Potted plants might be easily pulled under an awning or porch cover for protection. If the container is too heavy to move, protect them. WINTER VEGETABLES There’s no need to put a garden to bed if you’re planting winter vegetables. Winter is often considered downtime as far as gardening goes, when the truth is that cool-weather crops such as spinach, broccoli, kale, cabbage, cauliflower, turnips, Swiss chard, Brussels sprouts, kohlrabi, and lettuce are happy to produce for you. Start them by seed in the early autumn so that they are well on their way once the cooler weather sets in. In areas where the winters are mild, some vegetable

plants such broccoli, kale, and turnips won’t need protection from cold snaps. In fact, a little frostbite adds more flavour to these plants. Floating Row Covers are made from garden fabric laid gently on and around individual row crops. Poly tunnels are a larger version of the row covers and enclose the entire garden bed.

PVC pipe can be attached to the outside of the bed at even intervals. A polyethylene material is then put over the structure. To help keep the plastic in place, set bricks or rocks along the bottom of the material to secure it to the ground. Cold Frames are another simple structure that protects vegetables in the winter and plants starts in the spring is a cold frame. Cold frames are rectangular and look like very short greenhouses that don’t have shelves or heat. Plants are in pots or planted directly on the ground. To take advantage of winter sunlight, the top of the cold frame is made of plastic or glass and opens like a door for good air circulation. WINTER WATERING Please don’t forget to water your, trees, and shrubs in the winter if you haven’t had much rain. They obviously won’t need as much watering in the cold months as they would the warm or hot ones. They should go into winter well-watered for root protection, as plant roots stay warmer when water is present because it traps heat. Water them deeply early in the morning a few times a month. Root protection, a thick layer of mulch spread around plants in perennial beds as well as shrubs and trees will help protect the roots for the winter by keeping the soil temperature even. What you do in the garden now will reap rewards early next year.

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LANDSCAPING & GARDEN CENTER

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Expert financial advice By Dan Henderson, Partnaer, Blevins Franks

Reviewing your pension options in the face of Brexit

t is likely that pension of your income. opportunities for expatriates in TRANSFERRING PENSIONS Portugal will change once the ABROAD UK leaves the EU. As Brexit Portugal residents can move UK approaches, review your options pensions to a Qualifying Recognised Overseas Pension Scheme (QROPS) before they potentially disappear. tax-free. This can provide currency Leaving pensions in the UK You could do nothing and access your flexibility and protect funds from future UK pension from Portugal. With ‘defined changes to UK pension rules that may contribution’ pensions, options include adversely affect you – an increasing taking cash sums, receiving a regular possibility after Brexit. income (drawdown) or purchasing a However, QROPS benefits vary greatly between providers and jurisdictions, lifetime income (annuity). While you cannot usually access so take specialist advice to determine ‘defined benefit’ pensions benefits the most suitable solution for you. as cash, you can expect a regular Beware also that the UK imposes 25% income throughout retirement. If you tax penalties on transfers to a QROPS have not started taking benefits, you outside the EU/European Economic could transfer to a defined contribution Area (EEA). With expectations that scheme for more flexible access the UK could widen this taxation net – but take care to understand the to include EU-based QROPS postimplications of giving up a guaranteed Brexit, time could be limited for taxfree transfers. income for life. THE TAX IMPLICATIONS BREXIT IMPLICATIONS There is concern that some UK UK pensions (excluding UK government pension payments will stop next March service pensions) are generally only in the event of a ‘no-deal’ Brexit, as taxable in Portugal for residents here. UK providers lose the right to operate Non-habitual residents can access UK pensions tax-free; for others, the scale within the EU. However, this outcome can be avoided income tax rates up to 48% apply (the same applies to if new arrangements are established. Beware also that the UK QROPS withdrawals). Depending on your Many British retirees in non-EU countries imposes 25% tax penalties situation, it may be more beneficial to like Australia and on transfers to a QROPS reinvest UK pension Canada, for example, into an receive their UK outside the EU/European funds alternative tax-efficient pensions today without structure that is problems. In any case, Economic Area (EEA). compliant in Portugal, funds transferred to With expectations that so make sure you a QROPS will not be explore your options. affected (see below). the UK could widen this Your pension is likely Note that UK pension to be central to your payments are usually taxation net to include long-term financial paid in Sterling. If you EU-based QROPS security, so it is crucial are living in Portugal to take care and and spending in Euros, post-Brexit, time could only use regulated you could find that providers to avoid conversion fees and be limited for tax-free pension scams. A the variable exchange transfers. locally-based adviser rate reduces the value

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with cross-border expertise is best placed to help you establish the best approach for your circumstances and goals. 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

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

Readers Q&A

ver the last month we have received many questions from our readers, although some of these questions are related to specific situations, sometimes the answer may help you to better understand the tax system in Portugal and answer the queries from other readers. If you also have some questions regarding tax in Portugal, please feel free to send it to us. Q What are the main changes on the new Local Lodging law, can the condominium stop my AL license? In fact in August 2018, it was published the Law 62/2018, which changes the legal regime for the exploitation of local lodging establishments. In what concerns to condominiums when there is a repeated and proven practice of acts that disturb the normal use of the building and which cause discomfort and affect the rest of the condominium owners, the condominium may, through reasoned deliberation of more than half of the homeowners of the building, oppose the exercise of the local lodging activity, informing the mayor who has the final decision. In the event stated above, the cancellation will be determined by Mayor of the city. This cancellation has a maximum term of one year and falls on the property, regardless of the exploring or ownership entity. If you are curious about the changes to the new AL law, please email us and we can send you a document with the changes by email.

Q Can you explain the EU residency residents regime you will be paying rule when calculating the capital gains a tax rate on the same terms as the on the sale of a property in Portugal, resident. For this the IRS tax rates by a Non Resident? I understand that are progressive, but the fact that you if use that regime, I can pay less tax, are on the highest tax bracket doesn’t but I need to declare my income in the mean you are taxed on all your income at such rate. UK? If you are non-resident for tax purposes, For instance, for an income from 36.856€ the tax applicable to your capital gain, to 80.640€ the tax rate is 45% but that will be 28 percent. If, however you are doesn’t mean you will pay 45% of the resident, the tax will be levied only on 50 gain.(remember the gain you made was percent of the gain and you will be taxed 100k, but only 50k will be according to the tax bracket applicable taxable). In fact the average tax rate on the whole income up to 80.640€ is to your overall income. If you are non-resident and EU national, 37,6%, so instead of 28.000€, you could it’s possible to opt for the same rules of be paying just 18.800€. the residents and also be taxed just on The fact that you need to declare your worldwide income, when opting for this 50 percent of the gain. For this to happen it is necessary that regime, doesn’t mean you will be taxed most of the income declared in that year again. You just need to prove how much is from Portuguese source (ie that the you earn, so that the Portuguese tax capital gain is higher than the income in authorities can determine in which tax bracket you will be your home country). included. The tax rate will It's important that If you sold a property be in some cases in Portugal in 2018, higher than 28%, but people realize that if please remember because it's levied in you need to submit a just 50% of the gain, the address registered tax declaration next can represent a huge year. Contact us, if tax saving. at the tax office, is a you want to estimate Let’s assume you are how much tax we selling for 500.000€ Portuguese address, can save you. and your gain, after Q I tried to become all the deductions your property for Non Habitual made, is 100.000€. Resident, but my The tax bill under instance, then the tax application was the normal regime at 28% would be authorities consider you denied because the tax office says I 28.000€. have been resident By opting for the EU resident.

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

web: www.allfinancematters.com

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in Portugal. I never filled a tax return here, the only thing I paid was my council tax. Is this correct? It's important that people realize that if the address registered at the tax office, is a Portuguese address, your property for instance, then the tax authorities consider you resident. If you are nonresident, you should either appoint a fiscal representative in Portugal or give the tax office the address on your home country. If your address was in Portugal, but you never submitted a tax declaration here, we can contest and revert the decision made by the tax office concerning your Non Habitual Residency request. You will need to show a tax residency certificate, issued by the tax authorities in your country and this needs to be officially translated to Portuguese and submitted to the relevant tax department in Lisbon, that will deal with all the NHR applications. Contact us to find out how this can be done. As a Non Habitual Resident, you can be exempt on several income streams from foreign source, such as pension or dividends. If you are still working as a sole trader, you can benefit of flat tax rate of 20% on your income. This is particularly attractive for tax payers with high levels of income. Please feel free to send us the questions you may have to ricardo@allfinance. pt. We will select some of these to be published.

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Expert financial advice By Andy Oliver, deVere, Portugal.

It's time to reconsider retirement

f you’re like most people you've not saved enough for retirement. There's a good chance your savings 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 vacationthey 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 tax-efficient 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.

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From the Mouth of the

Messiah?

Beth Jackson is about to launch an interactive study of the Sermon on the Mount. As we spoke together, I began by questioning its title “The Mouth of the Messiah”.

atricia: That’s a big claim isn’t it, Beth? Beth: Yes, huge. But whether or not you believe that Jesus is the Messiah, you know exactly who I am referring to, right? And the words we are talking about come straight out of the Gospel of Matthew.

Patricia: But these were written down hundreds of years after the event, weren’t they? Beth: No, Matthew was one of the 12 disciples, a former tax collector. In fact, the compilation of documents, letters and prophecies which make the New Testament doesn’t include anything written after the death of John, the last disciple… except perhaps Hebrews, which may have been second generation.

valuable perspective, and these deep matters are wonderful for dialogue. Patricia: I notice you don’t have a starting date. Beth: I’m open about that. I’m waiting for 12 people, because then it will be really interesting. I don’t want to be sitting there spouting off what I’ve got written down on paper. With 12 people it will be dynamic. Patricia: I can’t imagine reading the Bible to be dynamic. Beth: Then you have never done it, Patricia! You should come along and try!

Patricia: But how can you be sure that Jesus said these things? Beth: What we call “The Gospels” are actually biographies, and there are far, far more copies of these than of any other ancient documents on earth, but we don’t doubt any other historical documents! They are accepted as fact.

INVITATION

Patricia: Okay. So why “The Sermon on the Mount?” Beth: Jesus is renowned as an incredible teacher, especially by seekers of the Truth, but most people don’t know exactly what He taught. I believe this was a sermon He repeated. There’s a similar one elsewhere; but they talk about Him preaching and teaching all over the place without mentioning what He said. There was no telly back then, so I think He would have repeated Himself a lot! There are tremendously profound lessons in it.

For 12 PEOPLE From the

Patricia: For example? Beth: “Blessed are the poor, for theirs is the Kingdom of God” That’s the first line! That turns our whole concept of life upside down! Patricia: Well, you can hardly call the church poor! Do you not think the church has nullified anything Jesus might have said with their hypocrisy? Beth: I don’t deny the hypocrisy. And I wish I could claim perfection for myself! But hypocrisy is one of the things that Jesus addresses in that sermon. It was rife back then, as it is now, and He hates it with a passion. Patricia: What do you mean by “interactive”? Beth: Everyone will be given an opportunity to speak on every point. That’s why there has to be a limit of 12 people! I have my own understanding, and I’ve gathered a lot of comments which go back as far as the 17th century, but we all have a

TO AN

INTERACTIVE

STUDY

MOUTH of the MESSIAH THE SERMON ON THE

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

Malcolm Muggeridge

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

Selling your property and moving home?

f you are considering selling your by bank transfer. This is a much more property and moving your money flexible option for you, especially if you back to your home country, there are not in the country at the time of sale. If the cheque is in your name, you are a few things to consider first. With 15 years of experience, we will have to deposit the cheque in an know the pitfalls of leaving it too late to account in your name and wait for it to think about getting your money home. clear before you can arrange to transfer Low daily online banking limits and the money out of the account. cheque clearance times have caught Online banking limitations If your cheque has been paid into your many property sellers out. WHEN IT COMES TO YOUR SALE bank account, do bear in mind that most banks have a low daily online banking CONSIDER: limit for transferring funds out. Cheques at deed (completion) Typically, when you sell your property in If you have left Portugal, you may find it Portugal, at deed (or completion), there difficult to access your funds. We have is an exchange of cheques when signing had some clients caught out with limits as the contract. Cheques are still used in low as €2,500 per day, with most being Portugal, and more so since a law change around €10,000 per day. That will take in late 2017, as the cheque number must quite some time to get the money from your house sale out of your account. be recorded on the deed documentation. Cheques can only be deposited into a If you are still in Portugal you can go into bank account bearing the same name as your bank and arrange the transfer to the person on the cheque and can take any account with no daily limits. It's important to address what is up to 3 working days to clear. If you are using a solicitor or lawyer to happening to your money before deed, sell your property, the cheque may be as you don’t want to be caught in made payable to them. If this is the case another country unable to withdraw the they will deposit the cheque in their funds in Portugal. account. Once it has cleared and any NEXT STEPS necessary deductions are made, the So, you’ve sorted how to access your lawyer normally arranges to send your money, now what are your options when to the exchange of your funds. money to anGCEN account of your choice, it comes PROTECTED AD 180x85 master.qxp_Layout 1 30/08/2018 18:03 Page 1

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You may have some money available to you at the time of promissory contract. You can either: 1 Keep this money and transfer it a later date 2 Transfer this money now 3 Use this money as a deposit to fix the exchange for the whole amount of money from your property sale Options 1 and 2 are straightforward and we can certainly assist. Option 3, to fix the exchange is slightly different. How does this work and why would you do it? Fixing the exchange rate in advance, called a forward, is a simple way of securing the exchange rate now by paying a deposit and then the balance when you need the funds. Forward buying takes the worry and risk out of the exchange rate moving between you signing the promissory contract and when you get the full amount of money from the sale of your property, after deed has been signed. It also lets you know exactly how much money you have in your home currency. If you are selling your house and would like to talk to us about transferring your money, safely and efficiently, contact us on 289 093 137, 01622 815 201 or by emailing 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.

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Sport

Oliver Fisher

GOLF HISTORY MADE AT PORTUGAL MASTERS

OLHANENSE LOOKING UP All the latest sports news from Chris Wright.

eptember was a productive one for Olhanense with two victories and a draw in the Campeonato Portugal. The only blot on the landscape was a shock defeat to Algarve League outfit Silves in the Portugal Cup first round. The underdogs won 4-2 on penalties after a disappointing two hours of negative football. The 2-0 home league win over Real Massamá (Queluz, Setúbal) came courtesy of a Leleco penalty twenty minutes after the interval and a late goal from Nilson. The team was buoyed by the return of Stevy Okitokandjo after trials in his native Holland. The big bustling centre-forward duly netted twice against high flying Olímpico Montijo to return home with all three points after being a goal down. The 1-1 home draw with SC Praiense from the Island of Terceira (Azores) was thanks to Stevy Okitokandjo blasting home a spot kick after the Azoreans had taken the lead. The next two home games at the José Arcanjo Stadium, Olhão (behind McDonalds on the EN125) are against Sacavenense on 14th October and CF Vasco Gama (Beja) on the 4th November; kick-off 3.00pm.

liver Fisher, ranked 287th in the world, became the first player to record under sixty on the European Tour when he hit a round of fifty-nine, an astonishing twelve under par at the Portugal Masters in Vilamoura last month. Europe Ryder Cup captain Thomas Bjorn tweeted his congratulations to the 30 year-old English player from Chigwell, Essex who made ten birdies and an eagle in his bogey-free round.

TAKEOVER ON HOLD

razilian businessman Luis Andrade, who for more than a month ha been linked with SC Olhanense, has now invested in Vilafranquense. Based at Vila França near Lisbon, the team plays in the Campeonato Portugal Series E. A potential takeover of the SC Olhanense SAD is still on the cards with several other potential investors waiting in the wings.

NEW BUS MAKES IT DEBUT

C Olhanense will now be able to travel in style to away games with the unveiling of a new coach suitably decked out in the club’s colours of red and black. Supporters were able to check out the vehicle when it made its inaugural tour of downtown Olhão recently. Farense management team. (LtoR): assistant coaches Ricardo Reis & Arlesio Coelho with manager Rui Duarte

LEFT: SC Olhanense will travel in style

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FARENSE LOSE GROUND

East Algarve Walking Football celebrates its fourth birthday

WALKING FOOTBALL GOES FROM STRENGTH-TO-STRENGTH

ast month East Algarve Walking Football celebrated its fourth birthday and the phenomenal success of the sport, aimed at those of fifty years plus, is remarkable. From humble beginnings of just a dozen players there have been over 400 participants treading the hallowed astro-turf in Olhão and Tavira. As well as the weekly sessions six teams will have participated in the Browns WF tournament at Vilamoura on the 5th/6th October. A team from Denmark, all who have overcome prostrate cancer, and a group from Keynsham (Bristol) are the guests in mid-October. The Benfica Foundation will visit the José Arcanjo Stadium, Olhão on the 25th October. Last year EAWF were given the VIP treatment when they visited the famous Estádio da Luz (Lisbon). In mid-November sixteen teams from the UK, Spain, north and central Portugal as well as the Algarve will compete in the Olhão International WF Tournament at the well appointed Municipal Stadium. www.walkingfootballalgarve.com

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cadémica recorded their first win of the season when they won 2-0 at SC Farense recently. The Faro based team, promoted to the Segunda Liga, have lost ground in recent weeks but they are pinning high hopes on the loan signing from Sporting Lisbon of Aberdeen born Ryan Gauld. The diminutive midfielder was hailed as the ‘Scottish Messi’ such was his precocious talent when he joined Sporting from Dundee United for €3.4m four years ago. The early signs were promising. Sporting manager Marco Silva (now at Everton) was impressed enough to name Gauld in his 25-man Champions League squad straight away, and by the end of the season Gauld had played five first-team games, scoring two goals and making another. But then Silva left for Olympiacos and Gauld's career went into decline. Two years ago Gauld finally got his first taste of Portuguese top-flight action with a loan move to V.Setúbal where he made just five appearances. Last season he was loaned to struggling Aves scoring once in twenty-three appearances. Now at Farense he is hoping to reignite his career. d but were one of twentytwo losing teams, drawn at random, who have been given a second chance!

ENJOY

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Golf

Practice like the pro’s Bart van der Wind, resident professional at Benamor Golf

aybe you visited the Portugal Masters last week at one of the practice days. At the driving range 60 pro’s were hitting balls and 40 of them were using a Trackman. The Trackman is a device that measures everything the ball and your club is doing with dual radar technology. Most importantly, you can test yourself with the Combine Test. You have to hit 60 balls and Trackman will record not only how far you have to hit each shot, but ball speed, swing path, spin rate etc. After the session you get your results and you know what you

have to work on. It is now possible for anyone to practice with the Trackman and bring your game to a higher level.

Pro stats

You can have a training lesson with the Trackman at the driving range at Benamor Golf for €70 for one hour. You can also do the Combine Test independently, after which you can view the results at home on your Name: Bart van der Wind computer for €30. From: Netherlands An added bonus is that we can also use the results of Trackman for a Club: Benamor Golf club fitting test that I would like to Position: PGA Professional advise you on. Turned Pro: 1986 So book a lesson and experience a completely new dimension. Tel 925 Background: Putting expert. 459 558 www.benamor.com Ran the YES! Golf Putting Centre in See you all at the driving range at Holland. Benamor. Worked for 5 years at the European Bart van der Wind Tours for YES putters. PGA Professional.

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rackMan is a Doppler radar device that precisely tracks the golf ball during flight and the golf club during the swing. It provides you with accurate numbers related to the flight of the ball and your delivery of the golf club. What Are TrackMan Numbers? The TrackMan technology provides you with the most accurate feedback in the industry. The TrackMan numbers are more than 20 data points measured in every swing divided into 2 main categories, ball flight data and club data. Knowing your TrackMan numbers is essential to understanding and improving your golf swing. Why Are TrackMan Numbers Important to You? Regardless of level, all golfers can benefit from using TrackMan as part of their improvement plan. Working on your golf swing and resulting ball flight through your TrackMan numbers, allows problem areas to be identified and quickly improved. Trackman numbers explain objectively why your ball does what it does! Trackman stops the guessing and searching. It improves every practice session and your ball control skills. Your golf improvement needs a plan and a way to be absolutely certain that you¹re on the right path. Trackman = Certainty. IMG_0018 IMG_0017 How It Works? The TrackMan radar unit tracks the trajectory of your golf ball from launch to landing. The ability to measure the full ball flight is essential to produce the highest quality data. The golf radar can pick up valuable information about your club head, giving a precise picture of the club during ball impact. With this knowledge, you can easily determine how your club face or swing path needs to be adjusted to fix ball flight mistakes such as slices, hooks, pushes, pulls, topping, chunking etc. What else can Trackman do? How cool is this? 3D Golf Ball and Golf

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What is Trackman?

Club Delivery Data Merged with Video! With Trackman, we can now provide you with high speed video analysis where actual club and ball flight data are merged with your swing video in real time. The combination of video and TrackMan numbers make it possible to see key element of your swing during impact, which normally would be invisible through traditional video techniques. TrackMan Combine The TrackMan Combine test offers golfers of all ability levels a standardized test to measure their ball control skills against other golfers. Performing this ball control test from the best golf swing analysis software in the golf industry is a must if you¹re serious about your golf improvement. So what is the TrackMan Combine test? Players hit shots to various distances (60 ,70 ,80 ,90 ,100 ,120 ,140, 160, 180 yards) as well as hitting a driver. Upon completion of the test, each participant will receive the following feedback: 1. Average distance away from the pin for each shot hit 2. Average drive distance and distance away from centerline 3. A score for each distance and drives on a scale of 0-100 4. Percentage rank for each distance and drives 5. Combined score for entire test. What you will learn from this test: 1 Which distance requires more practice 2 What areas need the most attention to improve your game 3 Where your ball control skills rank versus your handicap level or worldwide and/or against Division I players or PGA/LPGA Tour Top 10 Reasons to make Trackman part of your golf improvement plan 1 Trackman is available at only 38 countries club’s/golf clubs worldwide. It is a wonderful opportunity to use it and quickly understand what makes your golf swing and pitching motion function. 2 Trackman guarantees accurate diagnosis of ball flight mistakes during golf instruction. Coaches work their

entire career to hone diagnostic skills to ensure golfers improvement. This machine precisely measures what the eye cannot see, the most important aspect of the golf swing, the collision between the golf club and golf ball. Accurately acquiring this information and gaining a greater understanding of your impact, makes improvement a certainty! 3 Trackman accurately determines how far each club actually travels. To put it mildly, most players don¹t know how far their clubs travel. This is an essential part of being able to hit the ball closer to the pin and improve scores. 4 Trackman allows members and guests to receive tour level club fitting and yardage gapping between all clubs. Every, and I repeat every PGA/LPGA player is fit using Trackman! 5 Trackman adds 10-20 yards’ minimum to your driver immediately. Trackman allows us to optimize your driver specifications and club delivery to produces maximum distance for every golfer, regardless of club head speed. 6Trackman allows for tour level practice sessions with distance wedges and scoring clubs. Trackman teaches you to control your angle of attack, spin rate, trajectory and distance. 7 Competitive junior golfers who are looking to play at elite colleges will learn where their ball striking skills rank nationally by taking the Trackman combine test. This combine test is something college coaches are looking at when it comes to recruiting. 8 All levels of golfers can now accurately and objectively benchmark their game with Trackman Combine. 9 Trackman will objectively tell you what golf ball is best for your game. 10 Trackman stops the guessing and searching for improvement. It benchmarks your game, improves practice sessions and your ball control skills.

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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 Victorian sofa for sale, olive green velvet. Offers? normandawalker@gmail.com or 281 792 024 Mobility scooter 2 batteries and charger 500 euros 281 023 098 or e.mail evelynlannigan@gmail.com Mitsubishi Pajero Sports Wagon TD, 1999, 474,000km, in good working order. €2,950 negotiable. For more details/photos

please contact:Jane - mob 967305343 email: e.janemary@yahoo.co.uk

vehilcles. Call Paul on +351 914 417 580 or +34 642 458 853, email paul.titcombe@ hotmail.co.uk

ACTI V ITI ES

M I SC ELL A N EO U S

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

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

Looking for a parking space to buy or to rent Carangueijo or Santo espirito / TAVIRA Pls email clolecorv@hotmail.fr

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

Urgent! Garages / storage wanted to rent in tavira! +351 912 236 445 joana@maklarhusetalgarve.se Alcoholics Anonymous Do you have, or is there someone you know that has a problem with alcohol? There is a solution. Please call: (00351) 916 457 733. English speaking.

S E RV I C ES 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.

CLASSIFIEDS ARE FREE

Chimney Sweep Experienced, reliable, punctual. 45 Euro per sweep Tel: 912842238 Email: smartsweep@hotmail.co.uk The true handyman, if I cant do it, I now the person that can. Tavira Tel:969194752

FOR PRIVATE ADVERTISERS ONLY!

Algarve roof & property renovations Call Jason Tel: 960 136 445 or 281 324 602 jasonash1970@gmail.com Tavira Sewing Sue any sewing jobs please email: tavirasewer@outlook.com 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

BuakaOTavira

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

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EVENTS

EVENTOS

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

2018

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

70€

GOLF ALMOÇO/LUNCH

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

40€

Vinhos/Wines A conﬁrmar | To conﬁrm

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!

Vinhos/Wines A conﬁrmar | To conﬁrm

*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