Club Together Magazine Spring 2013 by EC Design & Marketing

F R E E

A N D

E X C L U S I V E

F O R

Spring 2013

P E N S I O N

M E M B E R S

EXPERIENCE COUNTS

Mind the gap

We explore the trend of over-50s taking gap years

Ben Affleck Award-winning actor, director and screenwriter â&#x20AC;&#x201C; we investigate the toast of the Baftas

Bring colour into your life Understand the meaning of colour and how it can work in your home

Plus Great new and exclusive offers

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WELCOME

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Club Together – where experience counts and collective buying power equates to great deals. Welcome to the Spring Edition of Club Together Magazine. ‘New’ is the theme of this issue, as we continue our ‘new look’, provide you, our readers, with new and exclusive offers and introduce myself, Steve Coyle, your new editor. We have also got some fantastic offers on our website, so make sure you visit www.club-together.org and register for your chance to win a 16GB iPad Mini. In 2013, we are looking to welcome more pension schemes on board, recruiting thousands more members. With greater numbers of members, we’ll be able to bring even bigger and better deals straight to you through this magazine and via the website. We hope you enjoy reading this issue. If there is anything you would like to see featured in future magazines, please get in touch – we would love to hear from you.

Contents 04

Ben Affleck

Berry Boosters

Gap Year

Colour Up

Just for fun

Directory

Want to get involved? Get in touch… Call Freephone 0800 234 6513 (lines are open Monday to Friday, 9am to 5pm). E-mail us using the Contact and Feedback form online at www.club-together.org

Steve Coyle Managing Director

Write to: FREEPOST RSRY-HAKJ-XGXA, Club Together, PO Box 4876, Lancing, BN99 8AY

C E L E B R I T Y & C U LT U R E

The Right Direction 04

Argo â&#x20AC;&#x201C; Blu-ray and DVD Picture courtesy of Warner Home Entertainment

C E L E B R I T Y & C U LT U R E

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he irony was not lost on Ben Affleck, as despite not receiving an Oscar nomination for best Director, Argo continued its award-winning success at the Golden Globes, picking up three Baftas – including the ultimate prize of ‘Best Film’. The actor-turned-director was presented with the ‘Best Director’ award at the Baftas by acting legend Ian McKellen, and was quoted as saying: ‘I want to say this is a second act for me and you’ve given me that, this industry has given me that and I want to thank you and I’m so grateful and proud.’ With Argo, Affleck is the first director ever who has failed to earn an Oscar nomination for Best Director, yet has gone on to win both the Golden Globe and the Directors Guild of America awards for best directing, the Critic’s Choice and BAFTA awards for best director and had the film named Best Picture by the previously mentioned organisations and the Producers Guild. Despite some acting success as a child, Affleck first came to national prominence working with childhood friend, Matt Damon in Good Will Hunting in 1997. They starred in the film and shared the writing credit – jointly receiving the Oscar for Best Original Screenplay. Good Will Hunting’s success transformed Affleck from a virtual unknown into a celebrity almost overnight. Along with Damon and producers Chris Moore and Sean Bailey, Affleck founded the production company LivePlanet, through which the four created the documentary series Project Greenlight, which was nominated for an Emmy for Outstanding

Reality Programme in 2002, 2004, and 2005. However, despite numerous film successes including Armageddon, Shakespeare in Love and Pearl Harbor, it was his relationship with Jennifer Lopez that brought him the most media attention. The press nicknamed the couple “Bennifer” and this period became one of the low points of his acting career. Affleck had a series of high profile flops culminating in him winning two Golden Razzies for Worst Actor and Worst Screen Couple (with Jennifer Lopez) for Gigli. Despite his broken engagement with Lopez, rumoured dalliances with alcohol and gambling, Affleck turned his career around with the highly successful Daredevil – the film he starred in with his future wife – Jennifer Garner. As his private life continued to stabilise, so did his career with box office hits in The Town, He’s Just Not That Into You, State of Play, and Extract. However, Argo, the third film directed by Affleck has brought him the most critical acclaim. Following his work on Argo – awarded ‘Best Picture’ at this year’s Oscars – Affleck was selected to replace David Yates as the director for the Warner Bros. adaptation of Stephen King’s novel, The Stand. Affleck is fairly unique in Hollywood, an accomplished actor, an Oscar-winning screenwriter and an award-winning director, with the rarity of a stable family life (having been happily married to Garner since 2005 and having three children). Despite these achievements, Affleck is still only 40! We look forward to the next instalment of this talented, triple-threat star – whether screen writing, acting or directing – we are sure it will be worth watching. 05

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Have you left anyone out of your Will? We’ve been dedicated to the health and happiness of pets since 1897. Abandoned or unwanted, ill or injured, we do what’s needed to give every pet a healthy life in a happy home. We’re a charity, so the more help you give us, the more help we can give pets.

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Have a Berry Merry Season What is a berry? Look at your watch and give yourself 20 seconds to name as many berries as you can!

he biological definition of a berry is “a fleshy fruit that usually has many seeds; it is made from a single ovary and its middle and inner layers are not distinct from each other”.

and cardiovascular disease. The prefix phyto actually means plant, but, given the nature of their role, these vital nutrients could just as easily be named ‘fighto-chemicals’!

No doubt you thought of blueberries and cranberries, and you may have thought of goji berries and elderberries, but I wonder if you came up with blackcurrants, cherries, grapes and tomatoes, or even dates and bananas, all of which technically are berries (cherries and dates are one-seeded berries).

There are dozens of different phytochemicals, including the following ones that are particularly abundant in berries:

Perhaps even more surprisingly is that to be really strict you could remove blackberries, raspberries and strawberries from your list, as these are actually ‘aggregate fruits’ that consist of a number of smaller fruits. Berries and aggregate fruits like blackberries, raspberries and strawberries are among the healthiest foods on the planet. The reason they are so amazing is that they are a great source of phytochemicals – naturally occurring chemicals which help to neutralise harmful free radicals. Free radicals are by-products of normal biochemical processes that take place in each and every one of us. They are actually utilised by the body to kill bacteria and fight inflammation, but, when they build up to excessive levels, they may begin to damage protein, DNA, cells and tissue through a process called oxidation. Phytochemicals have an antioxidant effect that protects body cells from cancer 08

Anthocyanins – found in blackcurrants, blueberries, cherries, cranberries and red currants. Also found in red/purplish vegetables like red cabbage and beetroot. Ellagic acid – found in grapes, pomegranates, raspberries and strawberries. It is an antioxidant that reduces the effects of estrogen and may help the liver break down cancer-causing substances in the blood. Lycopene – found in tomatoes, it is a bright red carotene with strong antioxidant properties. Studies show that it may protect against a variety of cancers as well as cardiovascular disease. Also found in water melon and papaya. Pterostilbene – found in blueberries and grapes. It is similar in structure and function to resveratrol, an antioxidant found in grapes and red wine. Resveratrol – found in red grapes, blueberries and pomegranates. It is believed to play a part in fighting a variety of different cancers.

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The ORAC League Table Scientists have come up with a way of comparing the degree to which fruit and vegetables can protect against free radical damage in the body. It is the ORAC score, where ORAC stands for Oxygen Radical Absorbance Capacity.

The left-hand side of the table below shows the ORAC scores for a variety of berries. The scores for various vegetables on the right-hand side of the table show that berries are – in general – a more concentrated source of antioxidants than vegetables.

Berry

ORAC

Vegetable

ORAC

Goji Berries

25300

Kale

1770

Acai Berry

18500

Spinach (raw)

1260

Prunes

5770

Brussels’ Sprouts

980

Blueberries

2400

Alfalfa Sprouts

930

Blackberries

2036

Spinach (steamed)

909

Cranberries

1750

Broccoli

890

Strawberries

1540

Beetroot

841

Raspberries

1220

Red Pepper

713

Plums

949

Onion

450

Cherries

570

Cauliflower

377

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Protect your loved ones by pre-paying funeral costs in advance

one of us likes to think about paying for a funeral, but taking out a Funeral Plan is a sensible and considered decision for the future. Rather like making a Will it means that you and your family will benefit from peace of mind that there won’t be any financial worries at an emotionally distressing time, and you can rest assured that your final wishes will be respected. Take action now – beat increasing funeral prices The current economic climate in the UK means that pensioners are being relentlessly affected by rising costs. Whether you or your family are paying for old age care, or finding the extra money to meet the escalating cost of fuel and food bills, there are rarely opportunities to save. Funeral costs are also on the rise. In 2012, the average cost of a funeral was £3,516 and with nearly a 7% increase in prices expected each year, it is estimated that by 2017 costs could be almost £5,000. With a Guaranteed Funeral Plan from Dignity, you can take care of the required costs for a cremation funeral in advance and pay at today’s prices. The Plan also allows you to incorporate specific requests in advance such as hymns or readings. A guarantee that funeral costs will be covered Other ways of paying for a funeral, such as savings or Over 50s insurance plans, do not promise that the full cost of the funeral will be covered. The Guaranteed Funeral Plan from Dignity guarantees that no matter how much funeral expenses

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an £50 da d FR isc everything underway. EE o The funeral will be conducted sil un ve t according to your wishes by a rp trusted funeral director. en

A D V E R T I S E M E N T F E AT U R E

You can also be confident that your money is safe All monies for Guaranteed Funeral Plans from Dignity are paid into the National Funeral Trust a totally independent Trust Fund. The Trust Fund is independently managed by some of the most respected names in the financial industry to make sure that every funeral plan members’ money is properly protected. The money is then paid directly to the funeral director only when it is needed. You can take out a plan from the comfort of your own home Taking out a plan couldn’t be easier; there is a simple application form, which you can complete from the comfort of your own home. With various payment choices available – including paying in a single lump sum, over 12 or 60 months – setting up a pre-paid funeral plan is a simple, straightforward step to take. When the time comes, your family will only have to make one phone call to get

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T R AV E L

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Mind the gap W

hen you think of gap years, you think of adventurous young travellers off to see the world or students taking a break between their studies. All are keen to escape the control of Mum and Dad and experience the exotic and unknown. However, times have changed and more and more over-50s are taking the plunge – buoyed up by their children’s adventures and keen to seek some of their own.

No longer is a villa in traditional holiday resorts such as Spain and Portugal enough but trips to Thailand, Australia and other long haul destinations are growing in popularity. Age is no longer a barrier when it comes to experiencing different cultures and spreading your wings. In a study of 5,000 people, including almost 1,000 over-50s commissioned by Thomas Cook, they discovered that four in ten older holidaymakers are opting for an adventure-filled break, taking part in every 12

excursion and activity they can squeeze into their trip. Over half of the over-50s surveyed plan to travel the world when they retire and nearly four in ten are taking the opportunity to visit destinations they had never even dreamed about when they were young. Commenting on the trends, Thomas Cook said: ‘We’ve seen a rise in the number of over-50s booking trips to far-flung destinations once their children have left home and an increase in long-duration holidays, with some booking 21- and 42-night packages. It seems that travelling the world is no longer reserved for school leavers or college students.’ Over-50s are taking gap years because they have the time to do it, having retired from work and seen their children leave home. Over-50s professionals may also be taking more career breaks, adopting something of a ‘now or never’ attitude to a year out. Evidence suggests that the UK’s more mature population is apparently fitter, healthier and wealthier than ever before. Statistics indicate that 80 per cent of the UK’s wealth is held by the over-50s. If the

T R AV E L

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boom in cruise holidays is a marker, a number of tour operators have already turned their attention to this growing sector. Other travel suppliers will need to keep up and respond creatively to the requirements of this time-rich market – and provide the services to meet, and exceed client expectations. Additionally, redundancies and early retirement amongst the 55-64 age group is prompting the increase in gap years amongst this age group. According to P&O Cruises there has been a 300 per cent increase over the last five years in the number of people taking a gap year later in life with an estimated 200,000 in pre-retirement during 2010 alone. There is a thirst for adventure from walking the Grand Canyon, touring in Jordan and exploring South America proving popular choices. The key is to keep safe and have fun and if you’re planning your Gap year we would love to hear all about your adventures.

Gap year health: Seven tips Your health is important, when you are travelling abroad. Protecting yourself is more than selecting the right jabs and medicines.

1. Medical advice

Take advice about the health risks and precautions you should take over your trip. Don’t just use the Internet, speak to your doctor to ensure you’re prepared.

2. Vaccines

The best vaccines for gap-year travellers are rabies and hepatitis. You may also need updates against childhood diphtheria, tetanus and polio, typhoid and hepatitis A; and for some countries, yellow fever and/or meningitis A C W and Y.

3. Infections borne in food and water

Diarrhoea, dysentery and related diseases are the most likely health problems people will encounter. Illness can be reduced by traveling with oral rehydration sachets to combat dehydration, Imodium to control symptoms and antibiotics for severe cases.

4. Insects

Diseases borne by insects are widespread, including malaria and a host of other infections and mosquito-borne viruses. Cover up, use repellents, nets or mosquito killers in your bedroom. Also, travel with a reserve supply of malaria medication if there’s a chance of exposure.

5. Accidents

Most deaths among travellers are caused by accidents and injuries, not diseases. Risks are higher and emergency medical resources are poorer.

6. Security

The same considerations apply to personal security: travellers can be a soft target for crime and might be insufficiently streetwise to avoid trouble.

7. Insurance

Travel insurance policies generally exclude many sporting and adventure activities – check the small print carefully.

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Computer Novices! Choice Club Together 148x105.indd 2

How my Dad tamed his PC and How You Can Too

mind of their own sometimes!

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But I don’t have room here to explain all about the book. Please write for full information on the book (and about the 5 bonuses). The info is free. I’ll also include: FREE booklet: ‘What you should know about your PC Keyboard’ 39 things you ought to be told about your keyboard that most people never find out. (Keep it whether you buy or not) Send the coupon below to The Helpful Book Company 8A Devonshire Road Estate, Millom, Cumbria LA18 4JS or call  01229 777606 And don’t worry, we won’t pass your details on to anyone else. Fast despatch

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HOME & GARDEN

Image courtesy of John Lewis Spring/Summer Collection 2013

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Colour Up

olour is an essential element of interior design, and whilst we may not be aware of it, different colours raise emotions, alter moods and create atmosphere.

Research shows that we share basic responses to certain colours. So, when youâ&#x20AC;&#x2122;re next decorating a room or updating a living space, think about what colour effect you would like to achieve. Red, the most emotionally intense colour, is stimulating and arousing and associated with strength, passion, sexuality and life. It draws the eye and is often used for accents only as it increases your respiratory rate. However, the stimulating nature of red could be used in a bedroom to create an element of romance through the use of fabrics and accessories. Red is a popular choice for the walls of kitchens and dining rooms as it stimulates the appetite. It is also making a comeback for living rooms, as bold and vibrant accents of red make an assertive statement. Purple is a tricky colour psychologically speaking and unpredictable in terms of how people react to it. It can be considered as artificial, intense and mournful by some and romantic, luxurious and sophisticated by others. In modern interior design, the purple family of colours is highly regarded. Softer more restful mauves, lilacs and lavenders can work in bedrooms and bathrooms as they promote day dreaming and inner calmness. Purple can be stylish and original, especially when used in fabrics, wallpapers and accessories.

Blue is one of the most popular colours. It calms, relaxes, inspires tranquillity and suppresses the appetite. Blue is an obvious choice for bedrooms as it suggests harmony and peace. Its relationship to water makes it a popular bathroom choice. A powder blue will work well with white, soft pink, mint green and pale lemon. The most common use for blue is in monochromatic colour schemes, where blues of different shades are combined, creating a tranquil space, sedative and heavenly. Yellow is said to speed the metabolism, enhance concentration and inspire optimism, and happiness, increasing self esteem and overall well-being. Along with orange, bright yellow is rarely used in interior design as it often clashes with calmer colours. However, used as an accent, yellow can wake up a room, reflecting sunlight which can invade interior space with a gold light making the room feel bright and cosy. White, the purist colour, stands for light, simplicity, and hope. White goes with everything and is the perfect complement to many shades. Too much, however, can become stark and clinical. Personalise your home. Decide what distinctive look and feel you would like to create and colour it in...

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Just for fun...

ACROSS 1 Water tobacco pipe (6) 5 Pop group who had a hit with Fade to Grey in 1980 (6) 8 Wooden roof support (4) 9 Small acrobatic songbird (8) 10 First name of Spanish tennis player Nadal (6) 11 Additional runs at cricket (6) 12 Location of the Taj Mahal (4) 14 Surname of South African golfer Ernie (3) 15 Inhabitant of Yorkshire (4) 16 Series about a group of people with extraordinary powers (6) 18 1960s singing brothers Don and Phil (6) 20 In which country was the film Braveheart set? (8) 22 Richard Harris film about a killer whale (4) 23 Real first name of Wallis Simpson (6) 24 Warder of the Tower of London (6) DOWN 2 Final Greek letter (5) 3 Capital city of Uganda (7) 4 Lodging‑house proprietors (9) 5 Fermentation tank (3) 6 Lulu’s first hit song (5) 7 Short‑winged, forest‑dwelling bird of prey (7) 11 Feast of the Resurrection (6,3) 13 Valley near Fort William (4,3) 15 Vibrating effect in music (7) 17 Antarctic explorer who said ‘I may be some time’ (5) 19 Fabric similar to spandex (5) 21 St Mary ___, London street in which ‘the Gherkin’ is situated (3)

This crossword is supplied by myPuzzler. Play today at www.mypuzzler.com

Answers can be found online at www.club-together.org or by emailing info@club-together.org

WIN AN IPAD MINI

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Entrants must be 18 or over. Competition closes at midnight 30th June 2013. The winner will be selected at random from all correct entries. The Editor’s decision is final. Full competition terms and conditions can be found at www.club-together.org/terms-conditions

‘Club Together is a trading name of Paymaster (1836) Limited. Registered in England and Wales: 3249700. Registered Office: Sutherland House, Russell Way, Crawley, West Sussex, RH10 1UH. Part of the Equiniti Group. Club Together is a registered trade mark of the Equiniti Group. Club Together may use the information collected to notify you about new or existing Club Together benefits we think you will find valuable. Please see our privacy policy statement on the website at www.club-together.org for full details of how your information may be used. All information is correct at time of going to press. All rights reserved. Articles may not be reproduced without the permission of Club Together. Whilst every care is taken in compiling the content, neither Club Together or Paymaster (1836 Limited) assume responsibility for effects arising from the publication. Views and contributors to Club Together do not necessarily reflect those of Paymaster (1836) Limited. Paymaster (1836) Limited is authorised and regulated by the Financial Services Authority to arrange and administer a number of insurance and investment contracts. Our Financial Services Authority Registration Number is 315407 and you can check this on the FSA’s Register by visiting www.fsa.gov.uk or by contacting FSA on 0845 606 1234. We’ve classified all our clients as ‘retail’ clients which means you have the greatest level of protection and care under the regulatory system although not all complaints or compensation claims may be eligible. We only put you in touch with selected investment and insurance providers as we do not offer our own products. We will not, under any circumstances, give advice or make recommendations. If you need advice you should speak to a financial adviser. We receive a fee for referring you to Benenden Healthcare Society. That fee is 20% of your first year’s membership contribution and 5% per annum for two years thereafter. Please contact us on 0800 234 6513 if you want to know the exact fee we receive. We are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be able to claim compensation if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most investment business (e.g. life assurance and pensions) are covered. Insurance arranging is covered for 90% of the claim with no upper limit. Further information about compensation scheme arrangements is available from the FSCS. The FSCS does not affect any legal right you may have to compensation. If you have a complaint please let us know and we will investigate promptly and aim to resolve it to your satisfaction. We will provide you with a copy of our complaint procedure on request and you can also complain to the Compliance Officer at Paymaster (1836) Limited, Sutherland House, Russell Way, Crawley, West Sussex, RH10 1UH. You can also refer complaints to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR (Tel 0845 080 1800). Making a complaint will not affect your rights to take future legal action.’