Sept18 East Algarve Magazine by Richard Bassett

OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO ISSUE NO. 117 SEPTEMBER 2018

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TAVIRA I PRAIA VERDE I V.N.MILFONTES

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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...

As we enter the Golfing Season, this month we bring you an update on Quinta do Vale Golf Course and introduce both the new owners and also their Head Professional Chris Truter. Chris Wright takes us off the beaten track to the Spanish town of Niebla which he stumbled accross whilst searching for a cup of coffee! As we also enter the property buying season, this issue is packed with property for sale, including a newly renovated apartment located right on the river GilĂŁo in Tavira... don't miss it! Meet our new advertisers Global Currency Exchange Network (GCEN) who will be providing currency advice with Emma Bullock. All this as well as our regular features including Gardening, Finance, Local News, Health and Property news. Have a great month.

Richard Bassett Editor

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Contents 6 8 10 14 19 22 24 26

NEWS Local news. HEALTH Global Postural Re-Education (GPR). PLACES Quinta do Vale Golf. PLACES A visit to Niebla.

CHARITY Chilly Boy donates.

30 34

14 19

PROPERTY Buying off plan. PROPERTY Property of the month. TAVIRA Look out for our advertisers on the map of Tavira. PROPERTY Tavira riverside apartment. GARDENING Garlic for dogs.

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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 Meet professional Chris Truter. CLASSIFIEDS Grab a local bargain.

News

Algarve In the Box, brings a piece of Portugal to your home.

Odeleite river beach finally approved - EC funding safeguarded

he council of Castro Marim has finally decided to construct a river beach at the Odeleite reservoir. The decision was rejected at a Chamber meeting in December last year but a consensus has now been reached within an EC funding deadline after a new version of the project was presented by Councilor José Estevens from Primeiro (CM1). Castro Marim’s mayor, Francisco Amaral, said his only regret was that the project "had not been approved in December 2017," because it would now be operational and even better than the one in Alcoutim which successfully attracts locals and tourists. "It will be better,” says the mayor, “because the water area is bigger at 6,100m2, the water quality is better, it is closer to the coast (about 25 kilometers) and is right by the IC27. This is "an investment in an unpopulated and deserted area of the Algarve." Not to be outdone, independent Councilor

José Estevens, said the approval of the beach means that a Centre of Nautical and Sports Activities now can be built and an operator’s concession granted. This will ensure there is a, "commitment to invest in the requalification of the village of Odeleite to a value equal to that invested in the construction of the Nautical Center, regardless of the amount of Community funding," said Estevens. Amaral remains critical of the opposition Socialist Party Councillors who voted against the project, saying their arguments were without sense as they wanted to build a leisure zone downstream of the dam in an area controlled by the environmental authorities. The project has a budget of €600,000, 70% of which will be from a EC grant. The project includes green areas, the beach and associated infrastructure, seating areas, the water sports activities centre, floating pools, cafés and parking facilities.

Source: www.algarvedailynews.com

São Brás de Alportel Council starts water project in hillside villages

ão Brás de Alportel Council is starting a project to analyse the consumption of water, which "is a precious asset for the population, but one that is increasingly scarce due to climate change and drought." The Council has been working on water efficiency since last October when it started its Municipal Water Savings Plan which has led to this latest stage. The Council project is to control and monitor water consumption in the hilly areas of the municipality where people are supplied directly by the Council, i.e. households are nowhere near the wider municipal water supply system that supplies more populous areas. The pilot project is focussing on the north of the county, including Cerro da Ursa, Monte Capitanes, Lages, Cabanas, Fronteira and Alfarrobeira where equipment will control and monitor local water consumption. This hilly, arid area which has been heavily affected by water shortages in recent drought years, is the guinea pig in a project that aims to extend to the wider mountain area. After monitoring consumption patterns, the Council plans to ‘create some procedures’ to save water and to distribute it in a more equitable way. This last comment is what worries locals as the Council is not known for its generosity - the fear is that water prices will go up, not down.

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NOTICEBOARD The Barbershop choir ‘Bella a Cappella’ from Moncarapacho is performing a concert at the hotel Herdade da Cortein Morenos (near Sta Catarina da Fonte do Bispo) Saturday 29th September starting at 7pm! Come along and listen to songs like 'California Dreaming’ (Mama's & Papa's) 'Happy together’ (The Turtles) ‘Moondance’ (Van Morrison), Miley Cyrus ‘The Climb’ plus some Blues and not forgetting a little Jazz! Want to know more about singing with 'Bella a Cappella'?Come and listen to one of the rehearsals held every Tuesday at Casa da Misericórdia, R. Gabriël Mendonça in Moncarapacho at 7.30pm.. All information can be found on the website www.bellaacappella.net.

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LIVE MUSIC www.eastalgarvemag.com

Health

What is G.P.R. Global Postural Re-Education (GPR) is an advanced method of posture correction, which was developed by the French physiotherapist Philippe E. Souchard.

his method consists of principles based on human biomechanics and motor coordination, useful to postural re-education and neuromusculoskeletal rehabilitation. It can be applied to patients of all ages, concerning each person’s capability. The main effort of a GPR treatment is to return the elasticity to the tissues, essential for good body functioning. Manual therapy is the only instrument used in a GPR treatment, which consists of stretching easy tissues and reduction of tension, by promoting joint decompression and re-shaping the patient’s body. The method of GPR is based on the individuality of each patient in order to project a plan of treatment, which begins from the presentation of symptoms, then treats its causes, as well as the consequences of the symptoms. With GPR, physiotherapists treat the body as a whole, in a global way, at the same time they promote an active role to the patient, who also participates in the treatment. According the creator of the GPR method, there are four basic principles: the stretching, breathing, traction and corporal conscience.

Stretching – the patient’s body is worked on eccentric and isotonic stretching postures, which involve all muscles structures, in muscles chains. The postures are maintained all the time, during the treatment session, without any muscle compensation. Breathing – all work of the GPR is done in association with breathing, during which all corrections are solicited during the expiration, because that one is passive and there is no risk of concentric contraction of the muscles, over the corrections. Traction – the static muscles are in an antigravity mode, which work all the time to stand up against gravity and they have a high degree of muscle tension, which promote an effect of flattening all day. That´s the reason why it´s so important, to make the muscle traction, which on GPR works with “manual muscle pompous”, both on the cervical and on the lower back structures. Corporal conscience – at the end of the treatment, the patient needs to gain a corporal conscience of the new correct posture, which must be worked and applied on a daily routine. GPR can be used in these types of physical conditions, which have one of these symptoms: pain, stiffness, loss of movement, weakness. It indicates

the requirement for treatment of spinal misalignments or spinal imbalances, such as: scoliosis, hyperlordosis, hyperkyphosis, rectification or inversion of curvatures; upper and lower limbs deformities; spinal pain syndromes (neck pain, torticollis, cervicobrachial neuralgias, upper, middle or lower back acute or chronic pain, sciatic, sacroiliac dysfunction, disc protusion or herniation, spondylolisthesis); articular or tendon dysfunction (arthritis, rheumatism, ankylosing spondylitis, tendinitis, subacromial impingement, rotator cuff inflammation, frozen shoulder, epicondylitis, Dupuytren’s contraction, carpal tunnel syndrome, metatarsalgia, calcaneus spur, plantar fascitis); neurological disorders with a mechanical origin (paresthesia of upper or lower limbs, migraines, dizziness or vertigo, ocular muscle imbalances, pelvic floor dysfunction, urinary incontinence); respiratory dysfunctions: treating the thoracic outlet/chest in with respiratory exercises in different positions, hiatal hernia; post-traumatic sequel (fracture, strain, sprain, joint dislocation, postsurgical recovery). Visit Fisioclube Holistic Therapy Centre, where we can improve your quality of life and your well-being.

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Places

Quinta do Vale... A gift from 'Seve' Designed by the late Seve Ballesteros, Quinta do Vale Golf Course is located on the banks of the Guadiana River. A challenging course with 6 par 3's, 6 par 4's 6 par 5's.

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uinta Do Vale Golf Resort is the latest acquisition by Discovery Hotel Management (DHM) the company that has recently added the impressive par 72 course to their prestigious portfolio. DHM was established in September 2012 to manage a set of hospitality and real estate assets, and currently has a team of highly skilled professionals in both the real estate and tourism industries. The concept behind the Discovery Hotels is founded on authenticity, informality, and

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respect for the unique characteristics of the destinations and where they are located. Each hotel has its own identity and promotes experiences in harmony in the region and the natural surroundings and its aims are to improve the management, sustainability, and the performance of each hotel unit. Their portfolio in the Algarve includes; The Laguna Resort; www.lagunavilamoura.com, The Crest; www.thecrest.pt, Eden Resort; www.edenresort.pt, Alpinus; www.alpinushotel.com, Vila Monte Farm House;

www.vilamonte.com, Praia Verde Boutique Hotel; www.praiaverde.com. Quinta do Vale Golf Resort www.quintadovalegolf.com. Quinta do Valeâ&#x20AC;&#x2122;s idyllic location, set in the hillside, close to the Medieval town of Castro Marim, spans glorious views to the Guadiana River and the Spanish border. It was designed by the legend in golf, Severiano "Seve" Ballesteros who was a Spanish professional golfer, a World No. 1 and who was one of the sport's leading figures from the mid-1970s to the mid-1990s. A member of a gifted

People

A hidden treasure, a true test of golf with challenging par 5's and beautiful views towards Spain.

Bradley Dye, Assistant Professional at Monte Rei Golf

golfing family, he won more than 90 international tournaments in his career, including five major championships between 1979 and 1988: The Open Championship three times, and the Masters Tournament twice. Seve gained attention in the golfing world in 1976, when at the age of 19 he finished second at The Open. He played a leading role in the re-emergence of European golf, helping the European Ryder Cup team to five wins both as a player and captain and won the World Match Play Championship a record-tying five times and he is generally regarded as the greatest Continental European golfer of all time. Quinta do Valeâ&#x20AC;&#x2122;s original developers and owners were personal friends of Seve. The course was opened in October 2008 and incorporates many dog legs, wide fairways and strategic hazards to challenge the amateur and professional golfer. It is a

testing course of 6 par fours, 6 par fives, and 6 par three holes. The elevation, combined with water hazards and bunkers will ensure youâ&#x20AC;&#x2122;ll be looking into your golf bag for the right club selection and of course it comes with the stunning scenery found here in the East Algarve. Ballesteros was undoubtably one of the characters and true professionals in the game and he put his name to just three Portuguese courses; Porto Santo Golf Course, Madeira, which opened in 2004. Golf Quinta do Vale, Algarve in 2008, and Royal Obidos Golf, Lisboa. in 2012. He built beautiful and demanding courses, and out of principle, he respected and integrated various native species and their natural environment, as well as taking advantage of the existing mountainous areas making his golf courses sustainable.

Great to play at this Seve course, interesting holes where course management is a must.

Bart van der Wind, Professional at Benamor Golf

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Places

General manager and Golf director at Quinta do Vale, Mario Soares has been appointed by the DHM team to begin bringing changes in the conservation, maintenance and promotion, to ensure the course reaches its full working potential. Mario began his career at Penha Longa near Cascais where he spent four years. He then moved to Campo Real golf course near Lisbon before starting his new position at Quinta do Vale in January 2018. Mario is currently working on promotion with tour operators to bring more international visitors with stay and play packages with the partner hotel Praia Verde to add to their already valued local members and players. The companyâ&#x20AC;&#x2122;s future plans are to continue with the on site hotel, marina and tourist village, with swimming pool and tennis courts together with maintaining excellence in the course and the practice facilities on site. Irrigation and maintenance are, of course

paramount and recent investment in pumps will see the course continue to improve. Social media improvements and a new reservation system are also planned to increase the amount of golf rounds in an exceptional setting, with driving range, putting green, golf academy, pitch and putt, pro shop, clubhouse, restaurant and bar. Together with regular competitions and tee time offers, Mario and the friendly team look forward to welcoming you to the picturesque and challenging course. It was a pleasure to meet Mario and to chat about their exciting, positive plans and we wish them much continued success on their fabulous course. Mobile: +351 967 690 731 Phone: +351 281 531 615 Email: mario.soares@quintadovalegolf.com Website: www.discoveryportugal.com

A course where you'll find pars are difficult but a bogey is easy! Chris Truter, Head Professional at Quinta do Vale

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Places

NIEBLA : Chris Wright discovers the wonderful town of Niebla, only an hours drive from the Portuguese border and well worth a visit!

riving back from Sevilla one day and not being fans of motorway services, my wife and I decided to follow the signs for Niebla to search out a café for a decent cup of coffee. Initial impressions were not good as we approached the small Spanish town. Chemical works, cement factory and a jumble of derelict buildings greeted us, but suddenly rounding a bend in the road we were astonished to see a magnificent walled town stretching into the distance. Niebla is thirty kilometres from Huelva and about an hour’s drive from the Portuguese border. The two kilometre perimeter town wall hides a wealth of historical buildings including the Alcázar, castle with torture dungeons, old mosque, synagogue and a myriad of small side streets and houses resplendent with tiled walls of exquisite design. Niebla's history dates back some 3,000 years with its early importance being due to the silver industry and by the eighth century BC the town was a commercial and political centre known as Ilipla. Although dating back to Roman times, just outside the town there is a Roman bridge which crosses the Rio Tinto, most of the construction was undertaken in the 15th century courtesy of the 4th Earl of Niebla who pulled down the old Alcázar to build the one we know today. The result is a magnificent royal palace which preserved the most interesting and luxurious parts built by the Arabs, such as the Muslim Tower of Homage, which was rebuilt so magnificently that it is compared to the Giralda tower of Sevilla. However, this would be the last such effort for a good while. Beginning in the 16th century the town began to suffer from a decline in fortunes and lost its importance. Niebla

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Experiences

A HIDDEN GEM

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Places

suffered damage in 1755 by the Lisbon earthquake with a number of buildings collapsing. Its fortifications and many monuments would continue to decline until well into the 20th century. The refurbishments continue a pace and the Castillo y AlcĂĄzar de los GĂşzmanes, the venue of the annual Niebla summer festival of music and dance, has permanent exhibits relating to armoury and falconry and also paintings, sketches and documents regarding ancient Arab science and medicine. www.andalucia.com A BURIED TREASURE Just nine kilometres from Neibla is the megalithic monument El Domen de Soto, dating from the Copper Age 3000-2500 BC. Dolmens are a type of single-chamber megalithic tomb, usually consisting of two or more vertical megaliths supporting a large flat horizontal capstone or "table". Discovered by Armando de Soto in 1923 the structure, one of the largest in Andalusia and the most important in Spain, consists of a series of successive dolmens formed by pillars for vertical support and tiles to cover, all made of sandstone and limestone from the area. Its interior has a height of 1.45m starting from the entrance and increasing to reach a maximum of 3m. The walls have numerous engravings symbolic to the Iberian Peninsula. In the 1924 publication of Hugo Obermaier, he describes finding eight bodies attached to the pillars, although the reliability of this description is questioned by some current investigators. The monument is located in Finca La Lobita, south east of Trigueros. From Niebla take the A472 south towards Portugal passing over the A49 motorway and after about 5kms look for a turning on the right to El Domen de Soto. Admission is a just a few euros and the best time to visit is in the morning. www.andalucia.com/province/huelva/el-condado/trigueros and click on El Domen de Soto Email: dolmendesoto@ayto-trigueros.es

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People

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Chilli Boy Donates After the success of this year's Chilli Boy Charity Golf Challenge, owner Viv Thomas presents a cheque for €12,581 to the Associação Oncológica do Algarve

ow in its 12th year, the Chilli Boy Charity Golf Challenge held in May consisted of an incredible 52 friends and past business associates of Viv from all over the world. This year the tournament was held in Vilamoura, but has been previously held in Spain and South Africa too. The players themselves love the experience and each year when they meet it is like a family reunion. All the money raised comes from only these wonderful people with a generosity that is beyond words. Viv is dedicated to supporting the organisation that was instrumental in his recovery from cancer; the Associação Oncológica do Algarve. To date Viv has raised over 40,000 euros for charity, something to be enormously proud of.

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Property

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V I L A MO U R A

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

ave you been thinking about possibly owning a brand new build property in the Algarve? With the rise in house prices showing no signs of slowing down, buyers and investors are looking for more affordable alternatives when purchasing properties. Off plan purchasing can be one solution. The term “off plan” is given to those properties that are sold before or during the early stages of construction after permission to build has been given. Obviously owning a brand new property has huge appeal and as most property developers are happy to sell their properties before they have finished building them – it is a win win situation for both buyer and developer. From a buyer's viewpoint it is a great way to reduce purchasing costs, because on average the off-plan properties are between 20 – 40 % less expensive than buying a finished property. Of course, because you are buying something that doesn’t yet exist, off plan investment can be also seen as a somewhat high-risk investment strategy. Don’t forget that off plan purchasers were hit particularly hard in countries like Spain during the 2008 financial crisis, with some developers running out of money and abandoning projects. The advantages and disadvantages of buying off plan depend mainly on the condition of property market in a specific area and it could be the right time now for off plan purchase if you are considering Portugal as your destination. What are the advantages of buying off-plan? ● Your new home could be worth significantly more than what you paid for it by the time it is finished. This is a great option if you’re looking to buy and want to secure the purchase at below market value. Developers normally need to demonstrate a certain level of

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MAIN OFFICE – (Waterfront) Ava Ria Formosa, Centro Comercial Loja 2, 8800-591 Cabanas de Tavira TEL: 281-370277 Mobile: 91 7212498 OFFICE – E.N.125, Cevadeiras, 8900-024 Vila Nova de Cacela TEL: 281-951165 Mobile: 91 2177055 EMAIL geral@estealgarve.net WEBSITE www.estealgarve.net ▲

LICENÇA No 504-AMI

sales prior to marketing the development and usually offer their clients excellent discounts on off plan property. Property investors can make a profit of up to 40% for properties in high-demand areas. ● Some property developers show flexibility when it comes to choosing building materials, the layout and other integral features, like electric underfloor heating, etc. ● Some off-plan deals have the added benefit of staged payments. These payments can help spread the cost of the purchase and enables investors to purchase property without a large deposit. The standard waiting time for construction to be completed in Portugal is between 12-24 months, which gives the client enough time to gain savings or profit of another already existing investment. ● As it’s more than likely that your property will go up in value before completion, investors can choose to immediately put their property for sale and sell at a higher market value. This is a good strategy for investors looking to make a quick profit. What are the disadvantages of buying off-plan? ● Not knowing what the final home will actually look like. However more often than not, the property looks considerably better than on paper. ● The majority of banks don't offer mortgages designed specifically for offplan properties.

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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.

▲

2/3 BED. TRADITIONAL HOUSE CENTER OF CONCEIÇÃO- W/ a total area of 154m2. Private interior patio. Sold together with a ruin (25m2). Within walking distance to all amenities. ***ENERGY CLASS - E €235.000

3 BED. VILLA IN A PLOT W/ 440M2 + GARAGE - NEAR ALTURA - In need of modernisation , situated north of Altura in a quiet location, 4 kms from beach. Covered area of 182m2, garage and garden. ***ENERGY CLASS - E €187.500

Algarve roof & property renovations

Call Jason Tel: 960 136 445 or 281 324 602 jasonash1970@gmail.com

● It’s difficult to establish the value for a new build compared with older properties where there are immediate comparisons. ● In a falling market, purchasers could find themselves liable to complete a purchase which is worth less than they initially agreed. ● The risk of losing the deposit should the developer go bust. Before you buy a property off-plan… ● Compare the price of the off-plan property properties in the area to be sure you’re getting a good deal and check to see the demand for this type of property in the area. ● Purchasers should have seen all the plans and the specification list before they instruct a lawyer. They should not rely on promotional brochures. If you don’t know the original specification then the developer can change them and you’ll get something you weren’t expecting. ● Always try to get a bank guarantee to secure your position and make sure the developer has a valid insurance to cover incompletion or late delivery of the property. ● Check out previous developments to find out if the homes match up to what was promised in the brochure, and research customer satisfaction levels. Off plan buying procedure ● Reserving the property: the buyer pays a down payment as a sign of good faith ● Signing the contract: you pay the

deposit (normally up to 20- 30 %) and eventually further stage payments, which can always be negotiated with help from your agent. ● Only after construction is completely finished and all licenses are granted should you pay the remaining amount. Apart from using the services of a wellinformed real estate agent, we would always strongly recommend taking financial advice before pursuing this type of investment. With more property sales happening than property listings coming in, we are more eager than ever to list quality properties or plots particularly around the areas of Tavira, Santo Estevao, Moncarapacho, Estoi, Sao Bras and Loule. If you are considering selling your property or plot and would like to speak with a member of our team then please call us now on 281 320 281 to make an appointment. We look forward to hearing from you soon. Paul Greenhalgh 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

Property of the month Comfortable, light & airy 3 Bedroom Villa with Pool. Sitting in 16,000mÂ˛ m of land with garden and cork oaks.

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RUSSELL & DECOZ REAL ESTATE Tel: 00351 289 792 785 Mobile 963 085 580 Email: sales@russell-decoz.com Beautifully presented 1 level villa with a design that makes use of all of the space, large bedrooms & spacious open plan sitting room / kitchen. Country location & not overlooked, providing relaxing views over garden, pool & wild landscape.

* Mains water * Solar panels * guttering * water storage deposit * 220V electricity * alarm system * SAT-dish * underfloor heating * heat pump * air conditioning * pool * manual cover * poolside shower * very large sun terrace * Technical & storage room * fenced & gated * Low maintenance gardens * irrigation system * lots of beautiful cork and stone oaks * AL-licensed * Furniture negotiable * Property in excellent

condition, well worth viewing! REF:- Ref: 1780V LOCATION:near Santa Catarina do fonte do Bispo. ENERGY CERT:- B

€495,000

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 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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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 ♦Ryder Cup coverage ♦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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East Algarve Full page SEPT2018.indd 1

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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

Modern 1 Bed Apartment, Next to the Sea and Marina – Olhão, 195,000€ Ref: 4658605

Spacious, modern 3rd floor, 1 bed apartment in the popular Marina Village. The complex sits in front of the marina, next to the lagoons (sea), on the edge of the main avenue. Everything is on your doorstep or within walking distance; the daily market, shops, cafes, restaurants, the island taxi boats, and much more. Ideal as an investment for holiday rentals, permanent home or holiday home.

Farmhouse w/ Outbuildings & Large Plot at Walking Distance to the Beach – Cabanas de Tavira, 595,550€ Ref: 4629923

OLHÃO Modern 2 Bed Apartment with Stunning Sea Views & Pool – Fuseta, 259,000€ Ref: 4635843

FUSETA

Spacious, modern apartment in a unique location, a short walk from Fuseta beach. Lots of natural light, great finishes and a beautiful terrace, fantastic views over the lagoon, the island of Fuseta and the sea. All amenities, including supermarket, shops, cafes, restaurants, beach and the island taxi boats, is only a short walk away. Perfect as an investment, rental business, holiday or permanent home.

Set in an idyllic location, this very typical Algarvian Quinta (Farmhouse), is located just a ten minute walk from the sea front of Cabanas. The main house is bursting with character, yet in excellent condition. It sits within a large, flat plot, with fruit trees, and out buildings with extra accommodation, that subject to planning, can be renovated and/or extended. Making this property ideal as a home, or as a fantastic project, which could be turned into a business.

CABANAS

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 www.eastalgarvemag.com

Places

TWO APARTMENTS FOR Location, location, location, views over the River GilĂŁo & Tavira's old Market

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SALE, TAVIRA CENTER First floor apartment: (Pictured) Large open plan living/ kitchen area with doors open to Juliette balcony. 2 bedrooms, one with en-suite.

€295,000

Second floor apartment: Large open plan living/ kitchen with loft window. 2 bedrooms, one with en-suite.

€249,995

Both are fully equipped with quality appliances, under-floor heating and overlook the old Market and the River Gilão Private sale... No Agents Tel 964 489 967 or 961 700 200 www.eastalgarvemag.com

Hobbies

Using the Colour Wheel in your quilts Introducing the wonderful world of Patchwork Quilting. If you're looking for a new hobby that will keep your body and mind active, this could be it!

sing colours in my quilts has always been an enchanting challenge for me and I spend countless hours shuffling samples. I get all caught up sometimes with - does this look good? I am not comfortable with those colours, or sweaty palms when I step out of my comfort colour zone - do you have those moments? It really isn’t that difficult though. There are some awesome colour combinations that we really should look at. They can take your quilt from – yeah, that’s nice, to Whoa! Take a picture of that one! I think the most popular colour combination that I know of is the green and red combo that I have used many times because really they work together beautifully - they are complimentary colours and opposites do attract! Besides that, I am kind adventurous with colour! For the most part it is kind of what we are personally attracted to. There are a few things that we can follow though to have a better understanding of why some quilts look so much better than others. Let’s explore a little bit more. Color Wheel – I know you’ve seen them. The kids even make them in school in art class! They are great to have around for quick reference on what colour combinations work well. Or if you get stuck with one colour and are not really sure what to add to it to help it shine. The colour wheel is your answer for all of this! It can show the value, and schemes and help get you out of the colour rut. QUICK RUNDOWN OF THE COLOURS USED IN THE COLOUR WHEEL: Three primary colours: red, blue and yellow are combined to make the three

secondary colours: orange, green, and purple and combining the secondary colours you get red-orange and bluegreen, which are called - tertiary colours. Colour Value – this is all about the saturation of the colour. The more black or white added to the colour will determine its saturation or value. Going from a light variation to the darkest variation. Colour schemes are created using symmetrical shapes around the wheel, they make combinations that are balanced and harmonious. The combinations can change, but the spacing of the colours in each combination does not. It is the symmetrical spacing that consistently ensures a harmonious combination. There are 15 different colour schemes with which to combine different colours but, for now, let’s keep it simple today with a few that we might consider using: ● Monochromatic colours are all the hues (tints, tones and shades) of a single colour. ● Analogous colour scheme uses three to five colours that are adjacent to each other on the colour wheel. ● Complementary colour scheme is made of two colours that are opposite each other on the colour wheel ● Multi-colour (up to 12 colours): Use matching values from each colour around the wheel. I am pretty sure this would be called a scrappy collection! ● Neutral – shades of browns and tans (a colour is neutralized

by mixing with its complement) ● Achromatic – No colour, just shades of grey, black and white (grayscale). This one is kind of hot right now, but only if you throw in a fluorescent colour to pop! If you are interested in knowing more about Patchwork Quilting, about clubs in the area or to attract members to your group, please contact Gillian by email: info@quiltbreak.com Article based on website www.patchworkposse.com Picture: https://www.patchworkposse. com/using-the-color-wheel-in-quilts/

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

his month’s article is slightly off from our usual gardening feature, but still is about a plant that is easy to grow and has a multitude of benefits both for humans and our pet dogs. Since looking after so many animals at our sanctuary we have been looking at alternatives to chemical based insecticides and antibiotics and after much research decided to try garlic. You will have probably seen that garlic is not got for dogs, but in the correct dose it can be a great additive to give your dog on daily basis. Garlic is a member of the allium genus - garlic is considered a vegetable, and a member of the Lily family. Garlic is an ancient food crop cherished for its vegetable bulb and flower stalk (scape), the garlic plant has been harvested and cultivated by mankind for thousands of years. The word garlic comes from the Old English word garleac - ‘spear leek’. Garlic is divided into two main varieties hard necked garlic, and soft neck

garlic. Hard neck garlic does not store well for long periods of time, but the cloves are easier (than soft neck varieties) to peel. Soft neck garlic stores very well for longer periods of time, making it the most common type of garlic sold in grocery stores. All information discussed in this article applies to hard necked and soft necked garlic. Garlic is also an herbal plant with many health giving properties. Garlic when used properly, offers many health benefits to dogs. Unfortunately, all other members of the allium family, including -chives, leeks, shallots and onions are toxic to dogs. Both garlic and onion contain thiosulphate, the substance responsible for causing ‘Heinx Factor’ anaemia in dogs and cats. The amount of thiosulphate found in garlic is much lower than in onions, in fact the amount in garlic is barely traceable and when garlic is provided in proper daily dosage the thiosulphate is not sufficient to cause harm to dogs - and the health benefits garlic offers to dogs

is enormous. As cats are much more sensitive to thiosulphate than dogs, cats are in general more sensitive to biologically foreign substances another example of this sensitivity can be seen in the use of essential oils. The range of essential oils that are suitable for cats is considerably less than the quantity of safe essential oils for dogs. While garlic is found in some holistic medicine-blends for cats, the amount used is strictly controlled. And while a wise cat may choose to rub up against a patch of wild garlic for its insect repelling properties - I recommend that you do not administer garlic to your cat, unless it is present in minute amounts in a made-for-cat proved-to-be-safe product. Fresh garlic, some people give it to their cats a few times a week - however, I do not recommend this for the average cat guardian. The fear of garlic - as pertains to its use as a healthful herb for dogs is a new fear propagated by rumour on the internet and not proven by any facts or study. Garlic is a powerful, natural broad-

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Gardening

spectrum antibiotic. Garlic is also an antioxidant, anti-allergen, antibacterial, anti-fungal, anti-protozoan, anti-viral and anti-carcinogen. Garlic contains germanium, an anti-cancer agent and an anti-protozoan. Garlic can also be used topically to treat specific ailments - for example ear mite infestation and ear infections. Garlic also contains sulphur - a natural insect repellent! When garlic is ingested in reasonable amounts there are no harmful results only benefits, and no, it won’t make your dog smell like garlic! THE HEALTH BENEFITS OF GARLIC Anti-bacterial; Anti-biotic (broad spectrum); Anti-carcinogen, garlic contains germanium - an anti-cancer agent; Garlic helps to prevent a variety of cancers such as: bladder cancer, colon cancer, prostate cancer, lung cancer; rectal cancer, stomach cancer. Garlic is also used to treat some forms of cancer such as bladder and prostate cancer.

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Garlic helps to regulate blood pressure; Heart health support to prevent: Heart disease; Heart attack; Hardening of the arteries; Helps strengthen the body's defences against allergies; Helps regulate blood sugar levels; High cholesterol reduction; Garlic is high in vitamins, minerals and nutrients: Calcium, Potassium, Zinc; Protein; Vitamin A, B, B2, C; Garlic is an aid to fighting and treating: Asthma; Environmental allergies' Diabetes; Diarrhoea; Fatigue; Liver, heart and kidney disease; Maintenance of healthy liver function; Ear infections and ear mite infestations; Stress. Garlic is a natural: De-wormer; Flea, tick, mosquito repellent.

Active medical ingredients in Garlic Garlic contains multiple sulphurinclusive compounds. Allinn and another enzyme ‘alliinase’, both present in garlic, but contained in separate cells gain the opportunity to combine and create a new enzyme called ‘allicin’ when garlic is chopped, crushed, minced or chewed. Allicin (an anti-biotic, anti-bacterial, anticancer, heart healthy enzyme) is the most beneficial of the healthful enzymes in garlic. USE FRESH GARLIC AND PREPARE IT AS FOLLOWS... Chop, crush, mince or press/bruise the fresh garlic, and then; Allow to sit at room temperature for at minimum five (5) minutes and better ten (10) to fifteen (15) minutes; This gives the allinn and alliinase sufficient time to undergo the enzymic reaction that creates allicin - the medicinal ingredient in garlic; Mix the garlic into your dog's food in his/ her bowl and it’s now time for your dog to eat; The medicinal properties remain active

Gardening

for up to one (1) hour after you have activated them; After one hour has passed the medicinal properties begin to degrade which is why it is important to use fresh prepared garlic. DO NOT USE Dry, Dehydrated, Powdered, Mixed Garlic, Supplement Do not add garlic in a mixed form to your dog’s diet - i.e. garlic steak spice May contain fillers, sugar, salt and herbs or spices, food colouring and other additives that are not safe for dogs to consume; Dehydrated, powdered garlic, or preserved minced garlic intended for culinary use has been degraded from processing and it's medicinal qualities are lost - it's only remaining purpose is to please the human palate don't give these forms of garlic to your dog as they offer no benefit. Add the properly prepared fresh garlic to one of your dog's daily meals. The safe daily dosage is as follows... SAFE DAILY DOSAGE FOR DOGS 1 clove fresh raw garlic per every: 30 pounds of body weight 13.6 kg of body weight For dogs less than 13.6kg: 9.0 kg dog - 2/3 of a clove 6.8 kg dog - 1/2 of a clove 4.5 kg dog - 1/3 of a clove 2.2 kg dog - 1/6 of a clove Or 1 teaspoon (tsp) fresh, raw minced/finely chopped garlic per every: 13.6 kg of body weight For dogs less than 13.6 kg: 9.0 kg dog - 2/3 of a tsp 6.8 kg dog - 1/2 of a tsp 4.5 kg dog - 1/3 of a tsp 2.2 kg dog - 1/6 of a tsp CAUTIONS Pregnant and Lactating Dogs

When used in the dosage provided above, garlic is safe for pregnant dogs; The only caution around garlic for pregnant dogs is that if ingested in large quantities it can flavour the milk of lactating females (human and canine). Puppies As a general guideline for puppies... Don't give garlic to puppies that are 6 months of age or younger. GARLIC FROM CHINA Some garlic from China has been found to be contaminated with high levels of arsenic, lead and added sulphites. DOGS MAY SELF-SELECT YES, NO If your dog does not want to eat his/

her food once you have added garlic, or if you are delivering garlic to your dog in another way (without food), and your dog does not want the garlic do not force the garlic on your dog. Many dogs do have good instinct / senses to 'know' what he/she needs, and / or if the food, herb,nutraceutical or alternative medicine you are offering is not appropriate for his/her individual situation. HEALTH AND MEDICAL CONTRADICTIONS If your dog has a health or medical conditions, make sure you check for contradictions - for example... If your dog has IBS or Colitis: Garlic is high in insoluble fibre and sulphur compounds - as a general rule it is best not to give fresh garlic to dogs that have IBS or colitis. DRUG INTERACTIONS If your dog is on conventional drugs: make sure you check for drug interactions - the below is an example of some garlic and drug interactions... If your dog is on cyclosporine: Garlic may increase the rate at which cyclosporine is broken down by the body, and; Might decrease the effectiveness of cyclosporine; So, do not give your dog garlic if he/she is on cyclosporine. If your dog is on a blood thinner: Garlic can slow down blood clotting - garlic may increase the efficacy of the blood thinner; The dosage of the blood thinner would need to be adjusted for intake of garlic. Why not check out the benefits of giving your dog garlic for yourself, remembering that dosage is important. But if you are unsure, consult your dogs vet before, just to be certain.

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LANDSCAPING & GARDEN CENTER

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

To Olhão

To Moncarapacho EN125

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To Tavira Look out for the Yellow flags

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YOUR EXPERTS IN OUTDOOR COOKING

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Tel.: +351 289 356 233 www.bbqs-algarve.com sales@bbqs-algarve.com

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

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Expert financial advice By Adrian Hook, Partner, Blevins Franks

The advantages of Portugal’s non-habitual resident tax regime

ortugal offers clear appeal Portuguese residency rules to be for Britons looking for a eligible, so it will be easier for UK lifestyle change or to soak nationals to apply now as an EU citizen. up some sunshine. But you Currently, you can acquire Portuguese could also potentially enjoy residency by spending at least 182 a decade of generous tax breaks – days a year in Portugal or having your including tax-free UK pensions – just main home here. Although Brexit itself will not affect by moving here. Portugal offers new residents special Britons’ eligibility, the UK government tax benefits under the non-habitual may look to increase taxation of resident (NHR) regime. While it offers Portuguese-resident nationals once it those employed in Portugal in certain sheds its EU obligations. It is therefore professions a flat 20% income tax rate sensible to register for NHR with the (instead of the usual scale rates up to Portuguese tax authorities now, to 48%), you do not need to be working lock-in today’s benefits. OTHER TAX BENEFITS IN PORTUGAL here to benefit. Even if you do not qualify for NHR, TAX-FREE FOREIGN INCOME Under NHR, most income that is from Portugal can still be highly tax-efficient a foreign source or taxable in another for expatriates. country is exempt from Portuguese Local inheritance tax (stamp duty) is taxation. This means British expatriates limited; at just 10%, it only applies to can potentially receive rental income, Portuguese assets, and spouses and capital gains on real estate, interest, children are exempt. dividends and non-Portuguese There is a wealth tax of sorts, but employment income tax-free for their rates are relatively low and it only affects those with Portuguese property first ten years here. Most UK pensions – including private worth over €600,000 (€1.2 million for pensions, company pensions and couples). the State Pension – will also be tax- Portugal offers opportunities to enjoy free under NHR in both countries, extremely favourable tax treatment on investments. If no matter how you you qualify for NHR, access your funds. Portugal offers opportuyou may benefit from The exceptions here nities to enjoy extremely combining these are UK government structures with the pensions (including favourable tax treatment regime rules, for local authority, army, example, by selling police, teaching and on investments. If you a UK property taxsome NHS pensions) which always remain qualify for NHR, you may free and reinvesting in a tax-efficient life taxable in the UK. benefit from combining insurance bond. HOW CAN YOU Ultimately, the ACCESS NHR these structures with the best approach for BENEFITS? will depend People of any regime rules, for example, you on your individual nationality can by selling a UK property circumstances potentially qualify and aims. Take for NHR if they have tax-free and reinvestpersonalised advice not been resident in from a cross-border Portugal in the last five ing in a tax-efficient life specialist – sooner calendar years. insurance bond. rather than later – to You need to meet

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make sure you take full advantage of what opportunities in Portugal has to offer. 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.

Property rentals: registration of foreign guests

esides taxation, one of the main obligations of property owners who rent their properties to tourists, is to report to SEF (emigration office) the entry and exit of all guests of non-Portuguese nationality. SEF is the entity responsible for monitoring the entry, exit and presence of foreigners in Portugal. When foreigners stay in commercial accommodation, eg a hotel or a local lodging unit, these tourist facilities are required to register the arrival and departure with SEF, via the accommodation registration form (Boletim de Alojamento). Fines for noncompliance with this law may vary between 100€ and 2.000€, so don’t take any chances! These details need to be reported to SEF: ● Full Name and Nationality ● Date and place of birth ● Document type (passport/ID) and number ● Country of Issue ● Country of Residence ● Check in and check out date The SEF website offers a full list of FAQs in Portuguese, below you can find a few: Who must submit identity documents? Each non-Portuguese person, regardless of age (and including children) shall present identity documents. What counts as a valid identity document?

● Passport/identity card or equivalent government-issued photo ID; ● Documents issued under the relevant agreements between the States Parties to the North Atlantic Treaty; ● Laissez-passer issued by the authorities of the State of nationality or the State that represents them; ● Flight crew license or certificate; ● Seafarer’s identity document, when on duty; ● Maritime registration certificate; ● Residence permit, extension of stay or the identity card given to diplomats and their administrative/ domestic staff or officials of international organisations based in Portugal and members of their families; ● Birth certificate or (where guests are from a country that allows a child to be entered on the passport of their parents) an entry on the parent’s passport for the child, or an entry on the passport of whomever has parental authority over the child; ● Other documents issued by domestic or foreign authorities when, for acceptable reasons, (theft, robbery, etc) one cannot present a passport or other document; ● In all other cases (total absence of documents) should contact local police and/or the respective consular authorities; What happens if someone refuses to provide ID? A person renting accommodation or member of a group

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

doing so who refuses to confirm identity should not be accepted. In addition to security issues, customer registration in the hotel is still required for tax and statistical control (INE and Turismo de Portugal IP) purposes. Not collecting the required information can lead to the establishment being subject to the imposition of heavy penalties (imprisonment and fines). What penalties are involved for noncompliance with this regulation? Any person who encourages or facilitates non-compliance in any way is subject to punishment with imprisonment of one to four years. If any crimes are committed by those foreign citizens causing inhumane and degrading conditions, endangering life, causing serious harm to body or death, the establishment owner shall be punished with imprisonment of two to eight years. Financial penalties: For failure to register foreign nationals within three days through SIBA or through local authorities (where SIBA is not available, restrictions apply), a fine of €100.00 to €2,000,00 may be incurred depending on the number of offenses committed. Fines may be increased under the conditions of Fundamental Law on Offences (Decree-Law No. 433/82 of 27 October). Any further criminal or administrative offences may incur additional penalties (including forfeiture of assets and other limitations).

web: www.allfinancematters.com

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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

What about those who own private homes and commercially provide rental of rooms to foreigners? Any rental of bedrooms, large portions of a house, an entire house, a villa, a tent, caravan, boat or any other form of accommodation to a foreigner requires mandatory registration of that guest through SIBA. Can a lodging establishment hold the identity documents for any reason? No. Only the police and judicial authorities have the power to withhold or retain these documents and only for the period necessary for their processing. Does free accommodation in the homes of friends or relatives need to be reported? No, it is not required in the case of foreign nationals who are staying in a friend’s house. It’s important that you make the necessary registration of your holiday property, whether it is a large establishment or a room in a private home that is occasionally rented. If you need any assistance with this, contact our team today, as we are able to provide this service and make sure that your property is fully compliant! Please feel free to send us the questions you may have to ricardo@ allfinance.pt. We will select some to be published.

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Expert financial advice By Andy Oliver, deVere, Portugal.

he concept of money and finance is one that stretches back thousands of years. Commodity markets in their earliest form are believed to have originated somewhere between 4,500BC and 4,000BC! Below are some interesting facts and insights into the financial world that you might not already know. How has the Napoleonic Law had a lasting influence on Europe? The French civil code was enacted in 1804 and still has a stronghold in many European legal systems to this day. During the Napoleonic Wars, in the 19th century, the code was voluntarily adopted in a number of European and Latin American countries, either in the form of simple translation or with considerable modifications. These countries included Italy, the Netherlands, Belgium, Spain, Portugal (and their former colonies), and Poland. The Napoleonic Law was written in three volumes: The first book of the Code deals with the law of persons: the enjoyment of civil rights, the protection of personality, guardianship, relations of parents and children, marriage, personal relations of spouses, and the dissolution of marriage be annulment or divorce. The code subordinated women to their fathers and husbands; who controlled all family property, determined the fate of children and were favoured in divorce proceedings. The second book dealt with the law of things: the regulation of property rights – ownership, usufruct and servitudes. The third book deals with the methods of acquiring rights: by succession, donation, marriage settlement and obligations. In the last chapters, the code regulates a number of nominate contracts, legal and conventional mortgages, limitations of actions and prescriptions of rights. To this day, the Napoleonic Law is still entrenched in the form of the succession rules, designed to keep property within the bloodline. If you are a resident or have property in Portugal, Italy, France or Spain for example, once you die ´forced heirship´rules may automatically allocate a minimum proportion of your worldwide estate to specific heirs- even if your will states otherwise. It is also important to note that these countries are all rather traditional on the view of family, so stepchildren and unmarried partners may not be considered direct

family - for succession law purpose. So more than two centuries on after its promulgation, the Napoleonic Law is still living. Thus the melancholic words uttered by Napoleon in exile: “My real glory is not the forty battles I won, for Waterloo’s defeat will destroy the memory of as many victories.…What nothing will destroy, what will live forever, is my Civil Code.” were in fact partly justified. Just what is common-law, how does it differ from the civil-law system used in some other countries and why is it important in finance? Common-law is a peculiarly English development. Before the Norman Conquest, different rules and customs applied in different regions of the country. After 1066, monarchs began to unite both the country and its laws using the king’s court. Justices created a common law by drawing on customs across the country and rulings by monarchs. These rules developed organically and were rarely written down. By contrast, European rulers drew on Roman law, and in particular a compilation of rules issued by the emperor Justinian in the 6th century that was rediscovered in 11thcentury Italy. With the Enlightenment of the 18th century, rulers in various continental countries sought to produce comprehensive legal codes. Today the difference between common and civil law traditions lie in the main source of law. Although common-law systems make extensive use of statutes, judicial cases are regarded as the most important source of law, which give judges an active role in developing rules. In civil-law systems, by contrast, codes and statutes are designed to cover all eventualities and judges have a more limited role of applying the law to the case in hand. Past judgments are no more than loose guides. Civil-law systems are far more widespread than common-law systems: the CIA World Factbook puts the numbers at 150 and 80 countries respectively. Common-law systems are found only in countries that are former English colonies or have been influenced by the Anglo-Saxon tradition, such as Australia, India, Canada and the United States. Whereas civil-law systems are found in countries such as China, Japan, Germany, France and Spain. The relationship between Law and finance: from 1998 there has been

considerable growth in this sector after Robert Vishny published ‘Law and Finance’. He suggested that legal systems and financial development go hand in hand with economic growth. Civil-law is viewed as inferior to common-law because it is devised by academics and legal philosophers, whereas common-law emerges from the process of judges resolving specific and real business disputes in a pragmatic manner. The infrequent revisions of civil-law codes mean that they can quickly become out of date, whereas the common-law can easily respond to new business environments and practices. Why does the UK have a different tax year? Much of the world quite sensibly chose January 1st to be the start of the tax year, but amongst the major nations only the UK has a quirky start date to its personal tax year. Back in the 1500s, most of Europe changed from the Julian calendar to the Gregorian calendar (which includes a leap year every 4 years). The UK however, had previously had a disagreement with the head of the Catholic Church on matters such as divorce…. so ignored the Pope's decree and continued on with the Julian calendar (as did Russia incidentally and for much longer than the UK). Thus for the next 170 years there existed a difference of at least 10 days between the calendar in Britain and that used by the rest of Europe. Using the new rules (Gregorian calendar), 1600´s added another day’s difference, whereas 1700s did not and by 1752 Britain was therefore 11 days out of sync with the rest of Europe. In Britain, the four main Christian religious holidays (including Christmas Day) had been used as a “quarter day” on which all accounts and debts had to be settled, as well as rent for land and property being paid. The first of these “quarter days” fell on Lady Day, being the 25th March and also coincided with New Year’s Day and the first day of the British tax year. It wasn´t until 1752, when the British realised that they needed to realign their calendar year with the rest of Europe, New Year's Day was moved to the 1st of January and 11 days were dropped from the calendar in order to catch up with the rest of Europe. Therefore September 1752 was a rather unusual month with September 3rd being swiftly followed by September 14th. Understandably the

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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

➥ British public weren´t best pleased of The marriage allowance tax break took being robbed 11 days, so in retaliation effect in April 2015, and the government they took the streets in protest. The main said at the time that more than four focus of their fury was that their taxes million married couples and 15,000 civil were not also being adjusted similarly, so partnerships stood to benefit. were expected to pay a full year of tax The marriage allowance is specifically despite only having 354 days of the year. designed for couples where one partner In typical style the British treasury was pays standard rate income tax and the concerned to ensure there would be other is a non-taxpayer. You can claim no loss in tax revenues. They made the it provided the following apply: you decision that the tax year should remain are married or in a civil partnership; 365 days and thus the beginning of the one partner in the couple doesn’t earn following year was moved from March anything at all or their income is £11,500 25th to April 5th and everyone was or less in 2017-18; and the other happy - to an extent. The treasury then partner’s income is between £11,501 decreed in 1800 that there would be lost and £45,000 in 2017-18 – or £43,000 if day revenue, given that the century end you are in Scotland. would have been a leap year in the Julian If you are eligible, the lower earner can calendar, whereas it was not under the transfer any unused tax-free allowance new Gregorian calendar. Thus 1800 was of up to 10% of the value of the full a leap year for tax purposes but not for personal allowance (i.e., £1,150 in 2017the purpose of the calendar and so the 18, because the personal allowance is tax year start was moved again by a currently £11,500) to their higher-earning partner. What’s more, you can backdate single day to April 6th. This practise was dropped in the 1900s your claim to include any tax year since 5 and now it would seem the UK is stuck April 2015 during which you were eligible with the April 6th start date for their tax for the allowance. year. On a side note, if the treasury had The HMRC confirmed just how poor the continued adding up Julian leap years take-up of the allowance has been. The for tax purposes where there was not government estimated that 4.2 million a Georgian leap year, we would have couples stood to gain. But the response caught up with the rest of the world by from HMRC dated 5 September confirms that only 2.2 million claimed January 1st 37901! Did you know about married couple’s the tax break, including claims made in tax allowance? Rules were introduced 2017-18. which raise the prospect of a transferable That suggests about two million more tax allowance for some married couples. couples could still benefit. Assuming References to marriage also include civil that each of these took advantage of partnerships. An individual is entitled to the ability to backdate to 2015-16, that a tax reduction for a tax year at the basic would produce a total tax saving to rate of tax on the transferable amount if consumers of just over £1.3bn.Webb says: “Even in its third year of operation, a claim is made. That’s the message from the former around two million couples who could pensions minister Steve Webb, who benefit from the marriage allowance are says: “Given the pressure on household not doing so.” With Brexit uncertainty finances at the moment, it’s vital that around the corner it would be a good people claim the money that is theirs to idea for married couples to check if they are eligible. You could be had.” PROTECTED GCEN AD 180x85 master.qxp_Layout 1 30/08/2018 18:03 qualify Page 1for a lump

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sum as well as a reduction in your on/ going tax bill. If you are interested in finding out more, contact deVere Portugal’s financial advisers who specialise in cross-border cases. They can help you explore your options and help you establish the most suitable approach for your personal situation and objectives.

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

Protecting Your Overseas Money Transfers

s I write, the news surrounding the closure of foreign exchange company Premier FX is vague, with an administration order just having been placed by the FCA against the company, following the death of the owner Peter Rexstrew. The controversy and information being reported on social media regarding the uncertainty of client funds is concerning. Expats, property buyers or sellers and companies worldwide have been using foreign exchange companies for decades as the cost savings over some banks are indisputable. But what questions can you ask of a foreign exchange company to ensure your funds are safe? Undertake your due diligence properly and look for maximum protection, not the minimum FX companies, like Premier FX, should be authorised by the FCA (Financial Conduct Authority) under the Payment Services Regulations 2017. They are classed as Authorised Payment Institutes or Small Payment Institutes. However, working with a company that also has client money permissions offers you a higher level of client money protection. Therefore, when doing your due diligence, ask if the company you are working with holds client money permissions. A firm that has client money permissions, regulated under the Financial Services and Markets Act 2000 (“FSMA”), must adhere to a much higher levels of client money protection under the “CASS money rules” regime. These are the most stringent client money rules in the financial world. Client money permissions - what protection does it offer you as a client and your money? Well it means that companies which have client money permissions must: • Have segregated client money accounts • Perform daily client money reconciliations which reconcile every client, daily, to the penny • Submit monthly reports to the FCA • Employ external auditors to audit the client money policy and procedures (CASS Audit) • Produce an ICAAP which is a stress test mechanism to ensure enough additional

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capital is held in reserve to cover client money shortfall, if they were to ever occur for a short period. You can search your chosen foreign exchange company on the FCA register at https://register.fca.org.uk/. Insurance to protect you and your money In addition to holding regulatory permissions to protect client money, find out if the company you are using, or planning to use holds professional indemnity insurance. Professional indemnity insurance is a liability insurance when a third-party claims to have suffered loss, usually due to professional negligence. It is the responsibility of your FX company to decide how much their professional indemnity insurance coverage is, however, the FCA state minimum limits for firms are in excess of £1m. In addition, firms may also look to have some additional insurance policies covering cyber risk and Directors and Officers insurance. These suite of insurances offer extra cover and protection that complement the segregation and safeguarding of client money and it may be advisable to work with a company that holds in excess of the minimum £1m suggested cover. Maximum Protection, not speculation or investment FX companies regulated as an Authorised Payment Institute should be offering payments, FX spot and FX forwards transactions only. These companies should not: • Hold funds on account • Offer investment advice • Speculate with your money on the FX markets • Offer high interest returns on your money If you are being offered a speculative FX service (buy and sell currency for potential profit), investment advice or interestbearing accounts then the company will need to have additional regulatory permissions in place to offer these services. Are the services being offered too good to be true and what are the red flags? 1) No deposit asked on a forward transaction: If a company does not ask for a deposit when placing a forward trade, they could be speculating, leaving your trade open (not booked) and/or using

other client money as margin (deposit) which is wrong to do and a huge liquidity risk. The company may well be using their own funds as margin for your trade which is fine, but be aware this does carry a risk that the company at some point does not have enough cash and has to close trades or use other funds to hold the FX positions 2) Is the company offering a better rate as it improves? When you order and book your currency on a Spot or Forward contract, the rate is fixed when booked. Any movements in the exchange rate do not affect the rate you have as you have already purchased your currency. You cannot be given a better rate at a later date. To be offered this suggests that the company may be leaving your trade open or re-trading you and holding the old trade which would now be running at a loss – this is massively risky to both client money and a company’s capital liquidity. 3) Are you being offered a rate above the market? The mid-market rate that is shown on websites like xe.com is clearly stated as the mid-market or interbank rate. This rate is not achievable by you as this is the rate where the banks are trading off. If you are offered this rate or better, be cautious of this, a company cannot sustain losing money on all trades and therefore could almost be offering a PONZI style mechanism to pay you the higher rate using other client money. If you do your research there should be no reason why you cannot benefit from using a foreign exchange company for your currency transfers, safely and securely. GCEN Group is formed of GCEN, an Authorised Payment Institute, and GCS which holds additional client money permissions. GCEN Group transacts over $4bn and 350,000 payments per year with over 100,000 clients on its book since inception. GCEN Group holds a total of £15m Professional Indemnity, Directors & Officers and Cyber Security insurance If you do have any questions regarding transferring money worldwide you can contact us on: Portugal 289 093 137, or UK 01622 815 201, or by email: emma.bullock@gcen.co.uk Head Office: 100 New Bond Street, Mayfair, London

Sport

Olhanense in their smart new red/ black/gold kit before the game at Pinhalnovense

(LtoR) Djalmir Vieira and Chris Wright

OLHANENSE HERO SET FOR TOP JOB?

A TIME FOR CHANGE All the latest sports news from Chris Wright.

he Olhanense SAD (limited liability sports company) could soon be under new ownership. Several parties are interested in acquiring the beleaguered club with Brazilian businessman Luiz Andrade being a front runner. He led CD Aves to Portuguese Cup success when they beat Sporting Lisbon in the final last May and his aim would be to get Olhanense back to the Primeira Liga in just three seasons should his bid be successful. The stumbling block is thought to be the club debt, rumoured to be in the region of €1.5m, which could see the bid crumble. Olhanense lost their opening game in the Campeonato Portugal 2-0 at Pinhalnovense and scrapped a 1-1 draw at home to local rivals Louletano. The one positive to come out of the game was the form of new signing Kim Yeail. The South Korean was a constant menace as he ran at the Louletano defence and duly scored from a Leleco pass.

former top goal scorer wants to run for president of SC Olhanense and has the support of many people who have been influential in the club's life and who now want to help return it to the Primeira Liga. Although elections for the main Sporting Clube Olhanense are not due until next year Djalmir Vieira, perhaps the greatest Olhanense player in recent years, is a step closer to formalising his candidacy for the presidency. Djalmir left Olhanense five years ago after 150 games, 60 goals and many, many afternoons of glory. "The idea has been fermenting for some time, but the moment has not been right until now," the Brazilian told O JOGO paper. Djalmir has returned to the city he loves, where he has many friends and where his daughter was born. He said, “there are many people who have turned their backs on the club but would now support me in my endeavours to return this historic club to its rightful place in the higher echelons of Portuguese football.” SC Portimonense and SC Farense have re-invented themselves in recent years after a downturn in their fortunes and are now on the rise so could the same happen to SC Olhanense? Only time will tell.

FANFARE FOR FARENSE

T Farense management team. (LtoR): assistant coaches Ricardo Reis & Arlesio Coelho with manager Rui Duarte

he ‘South Side Boys’ were cheering their team on as they opened their campaign against FC Famalicão at the Estadio de São Luís with a hard fought 1-0 victory thanks to second-half goal from substitute Irobiso. Newly promoted to the Segunda Liga, Farense have made several signings with the pick of the bunch being Serbian U19 international Vanja Markovic (ex-FK Vardar, Macedonia). In the away game at FC Porto ‘B’ the home side were reduced to ten men after just sixty seconds and when the visitors ran in three goals in the first fifteen minutes - Bernardo (2'), Fabrício (6') and Borges (14') - it was game over. Farense won 3-1 but had Alan Júnior sent-off fifteen minutes from time.

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Back row) Jason Manford and Dion Dublin

DUBLIN IN TAVIRA

here are numerous Irish Bars in Dublin but there was only one Dublin in Tavira’s Irish Bar, the Black Anchor recently. Former Manchester United, Coventry City, Aston Villa and Leicester favourite Dion Dublin was enjoying a break in the Algarve along with comedian and actor friend Jason Manford. More recently Dion Dublin has been co-presenter of the hit BBC TV show ‘Homes Under the Hammer’. Jason Manford is an accomplished all-round entertainer who has appeared in Coronation Street, Emmerdale and hosted numerous TV comedy shows as well as panel games such as ‘A Question of Sport; Super Saturday’. Whilst enjoying the hospitality of Tavira’s riverside Black Anchor Bar the two sports fans were only too pleased to chat with members of East Algarve Walking Football. Any tips they passed on will be most welcome for the upcoming WF Tournament in Vilamoura on the 5th/6th October when EAWF will be looking to extend their three-year unbeaten run. www.walkingfootballalgarve.com

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Golf

Meet the Pro Meet Chris Truter, Head professional at Quinta do Vale Golf

hris Truter is the head pro at Quinta do Vale Golf Resort, which is one of only three Seve Ballesteros signature golf courses in Portugal. B.A Honers (Business) degree student from Port Elizabeth, in South Africa, Chris played professionally for six years on tour after becoming professional in 2000. He spent time in Barcelona at San Joan, Golf Club before joining the team at Quinta do Vale four years ago. His career best is a sixty five and to date he has shot three hole in ones. Chris’s group lessons, twice weekly, have from five to twenty players covering all aspects of the game and as well as lessons, he runs regular clinics and is also responsible for arranging the various sought after tournaments. Seve Ballesteros brought a real flair to the game and has designed Quinta do Vale to appeal to both amateur and professional. “A par is hard but a bogie is easy” is how Chris described the course, and somewhat of a gem as far as golf courses are concerned to “appeal to everyone”.

Seve’s philosophy was to challenge the golfer whilst using the natural environment and that is exactly what has been achieved at the naturally beautiful and established Quinta do Vale. Chris explained, “There are six par 3, six par 4 and six par 5 holes, doglegs and various strategic hazards as well as excellent practice facilities at the driving range, and the putting and pitching greens.” As head professional Chris has built a connection with both members and regular clients and created a social and lively association, mentoring and playing at Quinta Do Vale, as well as other nearby courses. “A fantastic course with wide and narrow fairways and greens which are in great condition and a real shot maker's course, with an abundance of natural beauty and views”. For more information on lessons for adults and children, clinics, club repair, or tournaments, visit the club house or pro shop or contact Chris: Tel (0034) 676 531 504 Email: info@mojo.golf

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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 Holiday rental sleeps 4. Tavira hills. Peaceful location. Contact Lorrainerobinson@live.co.uk

FO R SA LE Grand Cherokkee 2006 PT reg LHD. Auto, Sat-nav, Bluetooth set up for phone.Diesel. Over 175,000k, Sunroof, Tinted windows, Running boards, Memory seats, IMTT valid January 2019 €7,000 email:shee7uk@yahoo. co.uk Electric wheel chair 2 batteries and charger, €500 Tel. 281 023 098 or email evelynlannigan@gmail.com

Furniture for any reasonable offer: Boxspring beds (4), Sofa’s, Hockers and Bench, Cabinets, Smeg fridge, Liebherr freezer, Artifort table and chairs,Tableware for 6. Everything in excellent condition. 00351965317686 Simone.

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

Beautiful Portuguese saddle including stand. €500. Tack available tel 967060982

M I SC ELL A N EO U S

Acer aspire, Win 10, 160gb hdd, 2gb ram, wifi, monitor, wireless keyboard and mouse, €100, for more info please call 911 553 204

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

Garden multi-tool, petrol engine, 3T blade shrub cutter, chain saw, strimmer & hedge trimmer. Petrol can. As new. Used once genuine reason for saie 165€ Tel. 289845561

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

CLASSIFIEDS ARE FREE

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

FOR PRIVATE ADVERTISERS ONLY!

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

Business ads are charged at 1€ per word, min 6 months

S E RV I C ES

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

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

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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