INSIDE FLINTSHIRE 2 MAGAZINE JANUARY 2019 ISSUE by Inside Magazines

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JANUARY 2019 | ISSUE 42

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WELCOME TO INSIDE FLINTSHIRE JANUARY 2019 EDITION .................. Welcome to our fist issue for 2019. I hope you all

had a great Christmas and I would like to take this opportunity to wish you all a very happy and healthy New Year. We start the year of with another jam packed issue full of great local businesses for you to call upon should you need their services. Please don’t forget to give us a mention. Now the festive season has finished I suspect most of us are now focusing on where to go on our Summer holidays? take a look at page 8-9 where we look at how to get the best deals. If you need a hand choosing that perfect holiday give Dragon Travel in Buckley a call on 01244 455 345. Our discover feature takes us to the beautiful city of York this month on page 12. We take a look at what the stars in store for us this year with our 2019 horoscope guide on page 18-19. We continue where we left off in 2018 with more fantastic prizes to giveaway in our competition pages 24-25. Have you every thought about going eco friendly with an electric powered car? We take a look at the cost implications on pages 50-51. We have all the usual edits inside including our House to home, gardening, monthly film reviews, beauty, health and fitness plus lots more.

hether you’re suffering from post-holiday blues or simply want to get organised for 2019, there’s nothing quite like booking a holiday to lift your spirits. Whether you’re after all-inclusive holidays, cheap holidays, family holidays or even staycations, there’s an abundance of breaks on offer - but sometimes it can feel like a daunting task to search out the best deals. And then there’s when to book. Do you book as early as possible? Is it better to hang on and chase a bargain later in the year? And when is the best time bag cheap flights? Our guide will help you work out how to navigate the forest of offers to help you plan your next holiday.

The rules are simple - book before the end of February to stand a chance of getting the holiday you want without having to compromise. You already know that going away in the school holidays is more expensive, so there is no point in having to settle for second best by picking from what is left at the last minute.

On top of that, you’ll find the prices for family-based hotels with the facilities you want for a stress-free trip tend not to get discounted, so book now to insure against holiday disaster. The big tour operators, such as TUI and Thomas Cook, often offer free child places or prices from as little as £1, online booking discounts and low deposits to help you get the best price. Meanwhile Virgin Holidays often hosts flash sales with discounted packages to a whole host of exotic destinations. For summer holidays, it’s worth checking out online travel agents such as Travel Republic,

Stuck with school holidays? If you have school-age children, then you are of course already restricted as to when you can make a break for it

OnTheBeach or LoveHolidays; they tend to use low-cost flights for beach destinations, and the only direction that prices go for the peak summer dates is up. So get in early before prices start to escalate.

Tip: Opt for the middle weeks of the school holidays rather than the beginning or end and avoid travelling at weekends to keep costs as low as possible.

Can you go any time? If you know what you want, then don’t waste another minute.Get online, visit high street travel agents too, and plan that trip as soon as you can. Compare all the prices and deals on offer and get that booking made. Even if prices do come down later date, you’ll have secured what you want at a price you were happy to payand will now have something to look forward to. If you’re planning on waiting until nearer the time, then you’ll need to steel yourself for the roller coaster ride of looking for a deal. If you play the game well, then off-peak package holiday prices can often drop like a stone, with the best last-minute deals being found for travelling to the Med in May and June or in September and October. The biggest reductions in recent years have been to Greece, as

Clifford’s Tower

York Minster

ith more attractions per square mile than any other UK city, you’ll be spoilt for choice with fun things to do in York. Whether you want to take in the majesty of the iconic York Minster, journey back in time at JORVIK Viking Centre or discover the city’s grisly past at the York Dungeon, there’s an attraction to suit everyone. If you’re only in York for a short time, make sure to tick these must see attractions off your list!

York Minster Since the 7th century, the Minster has been at the centre of Christianity in the north of England and today remains a thriving church rooted in the daily offering of worship and prayer. Every

A fix of winter sun could be just the tonic after the excesses of Christmas and New Year. Or maybe you fancy the thrill of some winter sports action on the slopes?

Tip: Sign up to all the email newsletters from your favourite airlines and operators to ensure you know when seat sales start.

Long Haul holidays

Either way, last-minute prices are on offer for departures almost through to Easter so if you are ready to go, then get online for the best deals now. Mainstream destinations, such as the Canaries, Red Sea and the Spanishspeaking Caribbean islands, offer some of the best savings with deals of up to 60% off brochure prices with the big tour operators. Tunisia, Malta and the Spanish Costas are on offer from around £125 upwards for a week’s winter sun. Even ski and snowboard breaks can be found from as little as £250 for self-catering trips to France (but don’t forget to add lift passes and any equipment hire to those costs). Tip: Organise your travel insurance, holiday money and airport parking all online before you go using a comparison site to get the best possible prices. You’ll save a fortune.

It’s definitely sale time with a raft of deals on offer – but the best prices tend to be for departures from March to June. This is simply down to the fact that a large part of the holiday cost is driven by the air fare, and airlines currently have some great sales on to attract passengers for those months.

So companies such as Kuoni and British Airways Holidays pass on those savings in the form of price reductions. It’s vital you compare all the deals on offer and you are unlikely to find any huge savings on trips at Easter at this late stage.

If you can avoid weekend travel, then you’ll shave more off your flight. And if you can stay on a Sunday night, you’ll often find hotel prices for that night are lower.

If you’re planning to travel later in the year, then it may pay to hold back and wait for better airline deals - although summer dates to places such as the USA and

Tip: Book now for Easter and the two bank holidays in May. The earlier you do so the better the price you’ll get as the demand almost always outstrips supply.

National Railway Museum

aspect of this ancient building - from the exquisite, handcrafted stone through to the unrivalled collection of medieval stained glass - tells the story of Jesus Christ. Discover this sacred place which has attracted people from across the globe for more than 1000 years.

from the tower walls. With sweeping panoramic views of York and the surrounding countryside, it isn’t hard to see why Clifford’s Tower played such a crucial role in the control of northern England.

Take a fascinating 2000 year journey through interactive underground chambers in Revealing York Minster in the Undercroft.

Come and see hundreds of years of York’s history in one place – from recreated Jacobean dining rooms to infamous Victorian criminals and all the way to the Space Age and the swinging Sixties.

Clifford’s Tower Clifford’s Tower stands as a proud symbol of the power of England’s medieval kings. Originally built by William the Conqueror to subdue the rebels of the north, it was twice burned to the ground, before being rebuilt by Henry III in the 13th century. The tower takes its name from one grisly incident in its long history, when Roger de Clifford was executed for treason against Edward II and hanged in chains

Horoscopes

York Castle Museum

There’s something for everyone at York Castle Museum. Our interactive galleries hold thousands of historic objects that really bring the past to life, and our new exhibitions for 2019 promise fascinating displays and innovative new ways of learning about York’s past. Don’t forget that kids go free with a paying adult – it’s the perfect family day out.

ARIES

JORVIK Viking Centre

National Railway Museum

the last Viking King in Jorvik, has been expelled and the city is transforming itself. You will discover the impact of international trade on Viking-Age York, including the evolution of a multicultural society in the city, as it’s not just trade goods that flowed into Jorvik but people from across the globe! The gallery allows you to get up close to precious Viking artefacts and you will have the chance to dig deeper into the Viking story of York using the latest in cutting-edge technology located throughout the centre. Viking-age York was around 6.5 metres below the current street level, and this is where visitors will find JORVIK Viking Centre’s recreation of 10th century Coppergate – a key trading street in Viking-age York.

Take a trip to York and enjoy free entry at the award winning National Railway Museum. Home to iconic locomotives and an unrivalled collection of engineering firsts, the museum celebrates the past, present and future of innovation on the railways. Get up close to icons of the rails including Mallard, the world’s fastest steam locomotive. Climb on board the Japanese bullet train, discover how high-speed rail travel began and journey back in time to experience the working life of a station. You can visit Queen Victoria’s favourite saloon, explore over 200 years of history and find out how railways shaped our world.

JORVIK Viking Centre

The York Dungeon

Hop aboard the new and improved ride experience and you’ll be transported back to the year AD960; Eric Bloodaxe,

The York Dungeon is a uniquely thrilling attraction that will take you back to the city’s darkest history. See,

(September 23 - October 22)

This will prove to be an extremely romantic year for those born under the sign of Libra. You will experience excellent compatibility with loved ones, and in partnerships there are going to be some very happy times. Even if you are not feeling on top of the world at the beginning of the year, by the end of it you will find that you have a real skip in your step.

SCORPIO

(October 23 - November 21)

It’s probable that your drive and intense focus on your work will bring excellent rewards this year, both in terms of your career and any business deals you manage to set up. Certainly, great gains and considerable wealth could come to you from your professional life. You deserve all the accolades that come your way, and the likelihood is that you will accept them graciously and modestly.

2019 will be a year where you look to the future. You will be in a positive frame of mind and ready to embrace the changes that come your way. If you have stagnated in the past, then this is most likely going to be the year when you have a focus. It is a time for making plans for the future and looking forward, not back, while remaining upbeat in the face of adversity and opposition.

GEMINI

SAGITTARIUS

(May 21 - June 20)

In business and professional matters, 2019 will bring fresh challenges, with a considerable amount of success to follow. Your determination to succeed, your focus and your ability are all factors that will make this an extremely positive year for you. Others could be envious of your success and may try to undermine you, so be on your guard.

CANCER

CAPRICORN

(June 21 - July 22)

(November 22 - December 21)

You may well find yourself overseeing changes in the forthcoming calendar year. There could be a significant career change which will engender a feeling of excitement and positivity. On the home front, there are unlikely to be any changes and recent events in your love life may cause you to question exactly what is going on, what you feel about it and how you intend to resolve any issues.

(December 22 - January 19)

Luck will favour both men and women born under the water sign of Cancer this year. Your natural instincts will alert you to the important things to worry about, so try not to get bogged down by trivia and learn how to best prioritise your time. Careful management of your personal resouces will see you fly through this period, and as 2020 dawns you’ll wonder what all the fuss was about.

2019 could prove rather slow moving for you and you might find yourself thinking of ways to speed things up. If you have time on your hands, why not inprove your own personal skill set through additional training. Since you dislike being idle, you could find much enjoyment in embarking on a new training course. This in turn could spark off new professional opportunities in the year ahead.

LEO

AQUARIUS (January 20 - February 18)

(July 23- August 22)

2019 has the potential to be a really exciting year for Lion people. If you are thinking about extending your family, planning for a new baby, this could be the perfect time. It will also be a very pleasurable spell for those not interested in having more children. Much of the year will find you in very convivial company and you will enjoy partying and being part of a wider social group.

VIRGO

Aquarians could find that 2019 will give an opportunity to focus on hobbies and interests. You will be physically active, enjoying both your work and your home life. For single Aquarians, there could be the beginnings of a new romance. For those already in partnerships you will feel happy and content and the communication between the two of you will be excellent.

PISCES

(August 23 - September 22)

You may be in a dreamy mood for much of 2019. Your focus will be on your own professional development and you may already have your eyes set on a new goal. You can be assured that your boss has already noticed you and you have nothing to worry about. Don’t be surprised if a new and unexpected opportunity comes your way and makes a dream a reality.

(February 19 - March 20)

You may find yourself in a more reflective state this year. You will be very intuitive and in touch with other people’s emotions as well as your own. It could be a very mystical time for some Pisceans, where spirituality is likely to be the main focus. You will be generous with your time and ready to tackle your own personal problems in a more grounded and mature way.

Please mention Inside Flintshire Magazine when responding to advertisements

For more information about the attractions listed, including prices and opening times, go to: www.visityork.org/information

What do your stars have in store for you in the coming year?

LIBRA

(April 20 - May 20)

hear, smell and feel York’s stories come to life before your eyes as frighteningly funny characters transport you through 2000 years of history. Delivering an unforgettable 75 minutes of edgy entertainment and 10 live shows, The Dungeon is a must-see attraction. Surprises await you…if you dare to pay it a visit! You’ll meet some of the city’s most despicable and murderous rogues, from the Vikings, to Guy Fawkes and even Dick Turpin. Step into an appointment with the plague doctor, face the wrath of the courtroom and discover exactly why The Golden Fleece is York’s most haunted pub... You can even finish off your journey with a seat in a fully themed Tavern, with something stiff to steady your nerves...if you survive of course.

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2019

(March 21 - April 19)

After an excellent 2018 when Lady Luck was on your side, the Aries forecast for the year ahead promises another positive period where you truly feel you can make a difference. There will be lots of progress made in all areas of your life and Aries people will watch with pride as their carefully thought out plans finally reach fruition.

TAURUS

PRIZE

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WIN a family bowling pass - four passes up for grabs at

COMPETITIONS The Jade Jones Pavilion, Flint WIN two tickets to see

Alexander O’Neal

at Liverpool Eventim Olympia - Friday April 12, 2019 Securing his name in the R&B history books, Alexander O’Neal is one of the genre’s most iconic names. With chart smash ‘Criticize’ lighting up dance floors across the world thirty years after its release, his sound has transcended generations. Working with Prince back in the early days as part of ‘The Time’ his journey in and out of various band formations propelled him to be the solo artist that we best know him for today. American born, Alexander O’Neal has created a cult appreciation across the globe. His back catalogue transporting his singles in to the UK and Billboard top ten’s as well as a triple platinum selling

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Flint Bowl at the Jade Jones Pavilion Flint is a regional indoor bowling centre and multi-purpose leisure centre which caters for a host of sport and recreation activities. The Centre’s facilities include:

● 8 lane ten pin bowling alley ● 4 lane flat green bowling rink ● Pirate galleon-themed children’s adventure soft play area ● Fitness suite

album and ever expanding discography.

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With his heart firmly in the music industry and a loyalty to the thousands that still buy his records, O’Neal’s passion to keep his sound alive is ever present.

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2018 saw the release of Alexander’s first original studio album for 15 years, and fans are in for a treat when they hear how one of the greatest voices of all time has matured into a sensational soul and blues sound. With the release of his hard hitting, blockbuster autobiography in early 2017, and a 50 date UK tour to celebrate 30 years of the iconic Hearsay album, it’s safe to say that fans still can’t get enough of the man from Minneapolis!

To be in with a chance of winning the tickets, just answer the following question:

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Friday April 12, 2019; Liverpool Eventim Olympia; Box Office No: 0844 249 1000; Tickets: £32.45 - £38.50; Doors: 7.00pm; Website: www.eventimolympia.co.uk/

To enter our competitions please send your full name, address and contact details to reg@insideflintshiremagazine.co.uk (Closing date January 17) Please mention Inside Flintshire Magazine when responding to advertisements

Crossword

Last minute breaks

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Easy Sudoku

Tip: Be sure to compare various airline options as part of your long-haul break. Firms such as Expedia, Netflights and ebookers often give you a choice of airline where you can trade off direct flight, service and comfort against better pricing and indirect routes.

These reduced prices tend to be found within six to 12 weeks of departure. Check holidays you like the look of daily to plot what is happening pricewise.

York

Email: reg@insideflintshiremagazine.co.uk

Brain Workout Answers

Canada are unlikely to get any cheaper.

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Competiton Winners for November: SLADE - M Thwaites - 23 Alexander O’Neal - K Messham - Minneapolis. Santa’s Magical Farm - J Clayton - Bauble Street

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with the kids. So getting it right when it comes to booking Easter, summer or half-term breaks in May or October is essential.

Hope you enjoy this edition please let us know if we can improve we would love to hear from you. Until next time. Reg - Editor Inside Flintshire Magazines

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2019 getaways:

lidays How to get the best deals Ho

Who am I? The younger of two daughters of Brian R.?????, a sales manager of a double-glazing company, and Linda J. ?????, an air stewardess. She was educated at the independent Burgess Hill Girls in the town of Burgess Hill in West Sussex, and the College of Richard Collyer in Horsham. In 1995, at the age of 14, she was spotted by talent scouts at The Clothes Show Live exhibition. Storm Model Management signed her up. She appeared in teen magazines for girls such as

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Mizz, Just Seventeen, Shout, and More!. From 1998, at the age of 17, She started modelling underwear for clients including Pretty Polly, appearing in advertisements and posters.

a team captain on ITV2’s Celebrity Juice alongside Fearne Cotton. From 2012 to 2015, she presented the revived television series Surprise Surprise, replacing original presenter Cilla Black.

Born 10 February 1981, ???? is an English television presenter and model. She is currently the co-presenter of This Morning (2009–present) and Dancing on Ice (2006– 2011, 2018–present) alongside Phillip Schofield.

Other TV work includes BBC’s The Voice UK (2012–2013), Play to the Whistle (2015– 2017) and The Xtra Factor (2008–2009).

Since 2008, She has been

In November 2018, She began to co-present I’m a Celebrity... Get Me Out of Here! alongside Declan Donnelly.

To enter our competitions please send your full name, address and contact details to reg@insideflintshiremagazine.co.uk (Closing date January 17) To advertise text ADVERT to: 07446 778 482

50 General knowledge quiz 1 American 2 Boynton 3 King Arthur 4 A hymn 5 The Atlantic Ocean and the Gulf of Mexico 6 Oxford 7 The Pope 8 ‘Perestroika’ 9 Tanzania 10 'One Flew Over The Cuckoo’s Nest'

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2019 getaways:

How to get the best deals y s a d li o H with the kids. So getting it right when it comes to booking Easter, summer or half-term breaks in May or October is essential.

Stuck with school holidays? If you have school-age children, then you are of course already restricted as to when you can make a break for it

Tip: Opt for the middle weeks of the school holidays rather than the beginning or end and avoid travelling at weekends to keep costs as low as possible.

well as to the Spanish Costas. One of the best-value times for a two-week, last-minute deal is to travel out on August bank holiday, when a fortnight in the sun can be reduced by as much as 70%, providing there are still seats on the plane. These reduced prices tend to be found within six to 12 weeks of departure. Check holidays you like the look of daily to plot what is happening pricewise. Tip: Sign up to all the email newsletters from your favourite airlines and operators to ensure you know when seat sales start.

Long Haul holidays It’s definitely sale time with a raft of deals on offer – but the best prices tend to be for departures from March to June. This is simply down to the fact that a large part of the holiday cost is driven by the air fare, and airlines currently have some great sales on to attract passengers for those months. So companies such as Kuoni and British Airways Holidays pass on those savings in the form of price reductions. It’s vital you compare all the deals on offer and you are unlikely to find any huge savings on trips at Easter at this late stage. If you’re planning to travel later in the year, then it may pay to hold back and wait for better airline deals - although summer dates to places such as the USA and

Canada are unlikely to get any cheaper. Tip: Be sure to compare various airline options as part of your long-haul break. Firms such as Expedia, Netflights and ebookers often give you a choice of airline where you can trade off direct flight, service and comfort against better pricing and indirect routes.

Last minute breaks A fix of winter sun could be just the tonic after the excesses of Christmas and New Year. Or maybe you fancy the thrill of some winter sports action on the slopes?

City breaks January is a fantastic time to book a short break to a fascinating city for travel before the summer. Airlines have sales on now and before flights fill up you can pick up some amazing prices to popular places, especially in Europe. If you can avoid weekend travel, then you’ll shave more off your flight. And if you can stay on a Sunday night, you’ll often find hotel prices for that night are lower. Tip: Book now for Easter and the two bank holidays in May. The earlier you do so the better the price you’ll get as the demand almost always outstrips supply.

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Discover

York

Clifford’s Tower

York Minster aspect of this ancient building - from the exquisite, handcrafted stone through to the unrivalled collection of medieval stained glass - tells the story of Jesus Christ. Discover this sacred place which has attracted people from across the globe for more than 1000 years.

Take a fascinating 2000 year journey through interactive underground chambers in Revealing York Minster in the Undercroft.

Come and see hundreds of years of York’s history in one place – from recreated Jacobean dining rooms to infamous Victorian criminals and all the way to the Space Age and the swinging Sixties.

York Castle Museum

Please mention Inside Flintshire Magazine when responding to advertisements

National Railway Museum

JORVIK Viking Centre

Get up close to icons of the rails including Mallard, the world’s fastest steam locomotive. Climb on board the Japanese bullet train, discover how high-speed rail travel began and journey back in time to experience the working life of a station. You can visit Queen Victoria’s favourite saloon, explore over 200 years of history and find out how railways shaped our world.

JORVIK Viking Centre

The York Dungeon

Hop aboard the new and improved ride experience and you’ll be transported back to the year AD960; Eric Bloodaxe,

The York Dungeon is a uniquely thrilling attraction that will take you back to the city’s darkest history. See,

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Horoscopes ARIES

2019

(March 21 - April 19)

TAURUS

(April 20 - May 20)

GEMINI

(May 21 - June 20)

CANCER

(June 21 - July 22)

LEO

(July 23- August 22)

VIRGO

(August 23 - September 22)

Please mention Inside Flintshire Magazine when responding to advertisements

What do your stars have in store for you in the coming year?

LIBRA

(September 23 - October 22)

SCORPIO

(October 23 - November 21)

SAGITTARIUS

(November 22 - December 21)

CAPRICORN

(December 22 - January 19)

AQUARIUS (January 20 - February 18) Aquarians could find that 2019 will give an opportunity to focus on hobbies and interests. You will be physically active, enjoying both your work and your home life. For single Aquarians, there could be the beginnings of a new romance. For those already in partnerships you will feel happy and content and the communication between the two of you will be excellent.

PISCES

(February 19 - March 20)

You may find yourself in a more reflective state this year. You will be very intuitive and in touch with other peopleâ&#x20AC;&#x2122;s emotions as well as your own. It could be a very mystical time for some Pisceans, where spirituality is likely to be the main focus. You will be generous with your time and ready to tackle your own personal problems in a more grounded and mature way. To advertise text ADVERT to: 07446 778 482

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6. All Souls College is part of which university? 7. A ‘nuncio’ is an ambassador of which person? 8. What word refers to the ‘restructuring’ of the Soviet System? 9. Zanzibar is an island of which country? 10. For his role in which 1975 film did Jack Nicholson win his first Academy Award for Best Actor?

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Quick Crossword Across

undercurrents

8. Re-evaluate

28. Afternoon meal

10. From Rome or Naples

5. Less messy

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13. Throwaway line

9. Deep winter sleep

30. Lacking dignity

17. Mentally re-experienced

11. Chinese lunch, yum ...

32. Pixie

18. Should, ... to

12. Ocean

33. Not old enough

19. Delivers (goods) or banishes

14. Musical drama

Down

21. Cookie

15. Istanbul natives

1. Rework (old material)

16. Concert intervals

2. Nerve centre

Made hot again

20. Toppling over or losing

22. Stimulate creativity in or motivate

3. Plane terminal

23. Riding seat

4. Fills with joy

25. Ban

24. Fizzy drinks

6. Sets fire to

27. Commenced

26. Feelings or emotional

7. Attract (penalty)

31. Irish Republican Army (1,1,1)

stability

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As article,somewhat somewhat early due printing deadlines AsI Isit sitininmy myoffice office writing writing this this article, early due to to printing deadlines in just read that HMRC collected record tax payments £4.9bn inI've theholiday holiday season, feeling a strong sense déjà Inwe 2016 we had the the season, I’m I’m feeling a strong senseinheritance of déjàofvu. In vu. 2016 hadof the Brexit in thein 12 months towe 2017 which election, was a 4% on the previous year. Brexit vote, inwe 2017 had a election, general inincrease March we are to leave the vote, 2017 had aApril general in March we leave the EU, asdue I write it could That's lot ofbe money which for the most partfact already taxed EU, as Ian write it could with or without ato deal, and ashas ever trying to be with or awful without a deal, and as ever trying establish from fictionbeen in establish terms of along the way several times) as been accumulated, as fact from fiction in(possibly terms is ofas politicians and theits media is as as it’s ever politicians and the media impossible as it’s ever been. I impossible suspect thateither whatever income tax when it whatever was earned theonfirst place, income tax it's been been. I suspect that thein outcome, most ofmore usour will simply getifon with jugthe outcome, most of us will simply get with juggling lives, families and work saved, gains taxand the asset realised a profit and finally, inheritance gling ourcapital lives,with families work commitments, with barely a pause for breath. commitments, barely aifpause for breath. tax at 40% when the owner leaves this mortal coil! Weall allprobably probablyhave have the the same same concerns concerns for We for the future, no matter what your feelings I've not written about this subject for aabout long the future, no matter what your feelings about leaveor orremain, remain, and until it’s fair fair toyear, saythere that time, mainly because thisto have leave and it’s say that more more financial responsibility will ultimately have to been no changes to the inheritance tax niltorate financial responsibility will ultimately have fall fallouron our own shoulders time goes on. band for some years, and beasfair, theon. fact Take that on own shoulders astotime goes TakenilPensions, mybetween column the rate bandregular is nowreaders transferable Pensions, regular readers of myofcolumn know know is a subject to myof heart, spouses, means that the old "use itand or this is athis subject close toclose my adage heart, and recentrecently metofa new lot ofclients new clients who are lylose I’veit" met a lot who are about isI’ve no longer a worry. takepension their pension benefits and need toabout take to their benefits and need good Reading theseadvice figures though me of good quality tobest the reminded best to so. do quality advice as to as the way way to do how I felt when I had to write out a cheque to so. These clients are at the end of their These clients are at the end of their working the Inland Revenue years agowill the working lives, atmany the beginning ofonhopewhat lives, but at thebut beginning of what death of my mother. Myhealthy fatherand hadhappy prewill be hopefully be a long, fully a long, healthy and happy retirement. retirement. deceased her by some 16 years, she sadly passed away before the left rule ititchange the Some really too late lateallowing to improve improve Some really have have left too to transfer of a deceased spouses unused nilbeen rate their wellbeing, some have been setheirfinancial financial wellbeing, some have band, result, a hefty IHT bill on anand estate which rious about their retirement and can look forcan look serious about their retirement today even raise afinancial glimmer of but hopeone in ward towouldn't atocomfortable financial future forward a comfortable future but ofthe theRevenue's things I always ask myask clients to obtain eye's.I always one of the things my clients to isobtain a State Pension Forecast and a contribua State Pension Forecast and bya It's record, clearisthough, from the figures announced tion and its really quite an eye opener contribution record, and its really quite an eye HMRC that many people are still falling foul of when youwhen look you at how relatively opener looklittle, at how little, speaking, relatively this most unpalatable of taxes, and it's equally it speaking, costs to it make lostupyears of years national costsup to for make for lost of clear to me that with some planning insurance and sensible how much national contributions, insurance contributions, and extra how and pension discussion, of you who may state you those will receive do. much extra state pension youwhen will you receive inadvertently be making HMRC one of your when you do. mainbegs beneficiaries, may of behow able financially to remove viable them, This the question financially This the question of how at begs the very considerably their it or really is for theleast current triple lock,reduce something viablepolitical it reallyfrom is for the understandably current triple lock, "inheritance" you.are which parties resomething which political parties are luctant to remove or change, but in the overall Of course, some isofreluctant you reading may not understandably to this remove or scheme of things, potentially not affordable for mind in the slightest if more of your estateis change, but in the overall scheme of things, very much longer. When I first started working to not the affordable revenue your children, or probably for very longer. inpasses the Financial Servicesthan arena in much my twenties, and thatworking isthat of course your choice. When I first predicted started the Financial itgrandchildren, was widely forinmy generation If that's your eventual are there wasnot unlikely to evenaim be though, a state there pension,

Services arena in pension my twenties, was widely and as my state age isitconstantly be-

predicted my was some very that simple things you can dothere ensure ing moved backfor to the generation point where Itonow have as what my unlikely to even atostate and your wealth passes the people who matter an additional 7 be years overpension, to wait, over state pension age is constantly being moved the most to you. For example, I write a lot about was anticipated in my twenties, its actually easy back point where I now an retirement planning, and keeping as much of for metoto the see that this just might behave the case! additional 7 years over to wait, over what was your capital as you can, for as long as you can in anticipated in myis twenties, its actually easyso of course only my personal view, aThis pension "wrapper" is incredibly tax efficient, for me to see assume that this that justcash might bemodelling, case! please don’t the end ofthe the state so often when I undertake flow pension era drawing is nigh, but importantly don’t This of course is only my personal so I'll suggest onequally other capitalview, before assumedon’t that you can keep putting the please assume that the endoff of theresponstate pension capital. Many people don't realise that sibility ofera providing forbut your retirement pension is nigh, equally gifts from surplus income don't eat importantly into years the nileither. band, Nor should you assume that just because don’t assume you can keep putting off rate so that if your income is building up, you have a workplaceofpension scheme inyour place the responsibility providing forproduct diverting this to a savings or investment now, you are saving enough. If should you areyou only retirement years for a child, can helpeither. reduce theNor final inheritance making the minimum contribution, I can guaranassume that just because you have a tax bill on your not estate, whilst building upwhilst capital tee that you’re enough andnow, Polworkplace pensionsaving scheme in place you to enable a child to perhaps put down a deposit iticians might not be able to work themaking costs of are saving enough. If you are out only on a property pay offstaying, a student loanoff in until yearstoleaving the EUorversus the minimum contribution, I putting can guarantee to come. morrow what you should be doing today in terms that you’re not saving enough and whilst of your will size equal atopoor retirement! Politicians might not be able work out It's fair topension say that one definitely does notthe fit costs of leaving the EU versus staying, all, and advice, in what can be a complexputting area is Thank you for continuing to call usbe regarding off until tomorrow what to my mind essential. If you you should would like doing more your financial planning needs, we have mantoday in terms of your pension will equal information on this, or any other area ofa aged retirement! to help a record number of new clients poor financial please do existing give us aclients call oninthis yearplanning, either due to our Thank you for continuing to call us regarding 01948 840738 or 075959 28907 where me troducing us to their friends and family, and or of your financial planning my team will be happy to help you. we course because reading thisneeds, column has have struck

managed to help a record number of new

a chord. Please us a callwith on 01948 840738 The value an give investment St. existing James's clients thisof28907 year either due without to our or 075959 as ever, obligation. Place will be directly linked to the performance clients introducing us to their friends and of the funds selected andbecause may fall asreading well as rise. family, or of of an course this The value investment with St. James’s You may get back less than the amount column has struck a cord. Please give us aperforcall Place will be directly linked to the invested. The levels and bases of taxation and 28907 as ever, on 01948 840738 or 075959 mance of the funds you select and the valreliefs from taxation can timeasand without obligation. ue can therefore go change down at asany well up. is dependent on individual circumstances. You may get back less than you invested.

Carolyn Ling Financial Planning Ltd represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) the purpose of advising solely ononly theSt.Group’s management productsplcand services, more details which are on theConduct Group’s Carolyn LingforFinancial Planning Ltd represents James’swealth Place Wealth Management (which is authorised andofregulated by set theout Financial website atfor www.sjp.co.uk/products. Authority) the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website at www.sjp.co.uk/products.

Carolyn Ling Financial Planning Ltd 01244 01948 561323 840738 / 07469 075959871283 28907 alexander.smith@sjpp.co.uk carolyn.ling@sjpp.co.uk www.sjpp.co.uk/carolynling www.sjpp.co.uk/carolynling

Quality is never an accident…. Based locally on the Shropshire/Cheshire border, Based locally in Hawarden, we work closely where I have lived for most of my life, I work with our clients and their families to fully closely with my clients and their families to fully understand their financial aspirations, hopes understand their financial aspirations, hopes and and concerns. concerns. Ourbusiness businesshas hasquality qualityand andservice serviceatatit’s itscore core Our and we would like to invite readers to find out and I would like to invite readers to find out for for themselves our personal approach to themselves my personal approach to financial financial planning. planning.

It is always the result of intelligent effort WHAT MY CLIENTS SAY “The level support, help and advice “Alex hasofprovided trustworthy Carolyn provides to me and my family and sound advice. He explains goes far beyond what have everything in a clear andwe easily experienced in the past. Nothing is too understood manner. much trouble and she and her team are I have complete trust in his always available. We have complete advice and I would not hesitate trust in her advice and have no in recommending Alex to hesitation in recommending her”

anyone.”

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Investment Planning Retirement Planning Protection Inheritance Tax Planning Long Term Care Fees Planning

Carolyn Ling Financial Planning Ltd represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website at www.sjp.co.uk/products.

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Balti Chicken with Recipe Spinach & Tomatoes Method

1 Put the chicken in a bowl and add the lime juice, curry powder and a twist of pepper. Cover and leave to marinate in the fridge for at least 20 minutes.

2 Spray a large wok or frying pan with low-calorie cooking spray and place over a medium-high heat. Add the cinnamon stick, cardamom pods, chilli and cumin seeds, and stir-fry briefly just

to colour and release their fragrance. Add the onion, garlic and ginger and fry for 3-4 minutes, until the onion starts to colour lightly. Add the chicken and stir-fry for 2-3 minutes, or until sealed.

3 Mix together the ground coriander, turmeric, cumin and garam masala; add to the pan. Stir, lower the heat to medium and cook for 1-2 minutes. 4 Pour in the passata and 150ml water,

then stir in the pepper. When starting to bubble, lower the heat and simmer for 15-20 minutes. Add the cherry tomatoes and simmer for 2-3 minutes. Add the spinach and coriander, turning once just to wilt. Season to taste and add a splash more water if required.

5 Remove the cinnamon stick, cardamom pods and chilli. Serve with rice.

Ingredients ● 4 skinless chicken breast fillets, cut into bite-size pieces ● Juice of 1 lime ● 1 tbsp medium curry powder ● Salt, freshly ground black pepper ● Low-calorie cooking spray ● 1 cinnamon stick ● 4 cardamom pods, lightly crushed ● 1 red chilli, left whole ● 1 tsp cumin seeds ● 1 large onion, finely chopped ● 3 garlic cloves, crushed ● 1 tsp grated fresh root ginger ● 1 tsp ground coriander ● 1 tsp turmeric ● 1 tsp ground cumin ● 1 tsp garam masala ● 400ml passata ● 1 yellow pepper, deseeded and cut into small chunks ● 100g cherry tomatoes (whole) ● 80g baby spinach ● A small handful of fresh coriander leaves, finely chopped ● Lime wedges, to serve

Cook 40 min Please mention Inside Flintshire Magazine when responding to advertisements

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How to keep your house warm in winter That happened fast, didn’t it? One minute it’s a balmy 20 degrees C and the next it’s below zero – and your thermostats is suddenly seeing some action! However, staying warm can be expensive, which is why we felt the need to come up with some tips for insulating your home against the cold properly this winter. They’ll keep your family cosy until spring, without breaking the bank! Whether you’re after small steps to make your home that little bit toastier or are looking at completely refurbishing it to make it as energy efficient as possible, there are plenty of things you can do to prevent unwanted draughts.

Install a chimney balloon It’s no good spending thousands on triple glazing and loft insulation if you then let cold air in through the chimney. The University of Liverpool calculated households lose around 4 per cent of total heat up the chimney, so a highquality block that prevents draughts could save you over £200 a year. If you don’t use the chimney at all, you could consider having it capped by a professional.

4242

well around opening casements,’ she tells us. ‘Draughts also occur in cracks between the window frames and the surrounding walls – it’s worth considering using sealant or putty in these.’

Use heavyweight curtains Thermal-lined curtains can help you keep the cold out more effectively, especially if you have single-glazed windows. At the very least, make sure your curtains are lined.

Draught-exclude the letterbox Fill the floorboards Stripped floorboards look fantastic, but the small gaps between the boards can really let cold air in. Try using a silicone-based filler to prevent draughts sweeping in through the gaps.

Insulate the doors Whether your door is old or new, it could still benefit from fitting draughtproofing strips between the door and the frame. This can work for both internal and external doors. For gaps between the bottom of the door and the floor, you can buy a special ‘brush’ or hinged-flap draught excluder.

Seal the windows Here’s another tip from Claire at uSwitch. ‘Draught-proofing strips work

If you don’t already have a second flap or ‘brushes’ in your letterbox, you could fit either of these, which will help keep the warmth in.

Seal the skirting boards ‘It may seem like a small change, but using sealant to fill the gaps between the top and bottom of your skirting boards can really make a difference,’ says Claire Osborne, energy expert at uSwitch.

Fit underlay The carpet and underlay for flooring that you choose can also make a big difference on your home’s insulation. According to the experts at Carpetright, getting the right underlay for flooring can save you as much as 15 per cent off your energy bills.

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Time to spruce up your skin, do your skin products take your skin to the limit? does it resurface, re- texturise and deliver vital nutrients into your skin?

If it doesn't then you need to re-think your choice of products, they should be doing a lot more than just giving you a good wash, or acting as a temporary softener. You need to look after your skin no matter what age you are and a facial should become part of your skin care routine, once a week is a good start, plan it when you know you have enough time as a thorough facial routine if including a mask needs a significant amount of time, ie Sunday mornings or while in the bath.What ever cleanser you choose ensure you are generous on application, the cleanser will be removed so using too much isn't a problem, the key is to use enough of the product to allow a good slide, massage your face with this product always in an upwards motion, circle around the eyes to help rid of excess fluid and dark circles. A good face mask needs to be applied for no more than 20 minutes, most active ingredients will be absorbed within 15 minutes, take a tip, if your not in the bath fill a bowl with warm water and pre steam your face before you apply a mask, this will begin to open pores and will allow the ingredients of the mask to be absorbed more rapidly and penetrate even deeper. This method can also be used to help remove setting masks, it softens the mask to enable a gentle removal rather than dragging the skin unnecessarily. Go modest on the moisturiser, it doesn't need to sit on top of your skin and you can always add more! A comforting thought is that you are giving back your skins vital nutrition just by adding a small amount of attention to your skin, you can also be helping to tighten and define facial contours, helping to restore a youthful vitality! , Skin can be rebound with a soft, supple texture and a healthy-looking glow!

SIMPLE SKIN TIPS!

Exfoliate at least once a week

Drink plenty of water to stay hydrated

This weather can be wearing on our patience and more importantly our skin, there is no reason why anyone can't have beautiful healthy skin in these weather conditions, unlike the other organs of your body you can apply creams and lotions directly to change its appearance and health in an instant. The skin has to be the easiest part of the body to maintain and you will have a guaranteed satisfactory result if your willing to put the work in, there is absolutely no reason why you can't have a healthy glow throughout your life even if it does mean adding a little makeup to help on those "off" days! To keep your skin looking healthy over these winter months and to maintain its natural, protective moisture, follow a daily routine of cleansing, toning and moisturising with nothing that contain perfumes or too many chemicals as this will strip the skin of its natural oils and dry it out.

Laugh daily, this is a fabulous way of exercising your facial muscles and keep Always protect your skin as much as you can by using creams that them toned contain SPFs and put as much goodness into your skin by choosing good quality products that contain antioxidants, vitamins and minerals.

Take time to massage in every product you apply to encourage a deep absorption and to help tone skin and muscles.

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What does it cost to Motoring run an electric car? T

here are several benefits to owning an electric car; along with environmental brownie points, electric vehicles (EVs) get tax grants, and are also exempt from certain congestion charges. However, one of the most obvious – but often unquantified – benefits of owning an EV are the low running costs. We’ll say it now: an electric vehicle will cost potentially far less than a diesel or petrol equivalent given the same use. But how much cheaper are they? Keep reading to find out.

How to calculate running costs for an electric vehicle (EV) Every electric car comes with a different-sized battery. The capacity

of a battery is usually expressed in kilowatt hours (kWh), a measure of the energy storage available. So to calculate how much it costs to charge your car, simply look at the cost of electricity (either your home supply or at a public charging point) and do the maths. Every electric car comes with a different-sized battery. The capacity of a battery is usually expressed in kilowatt hours (kWh), a measure of the energy storage available. So to calculate how much it costs to charge your car, simply look at the cost of electricity (either your home supply or at a public charging point) and do the maths. Let’s consider a 100kWh Tesla Model S. A typical public rapid charging point in the UK currently charges around 35p per kWh, so the cost is 100 x 35p = £35 if you were to theoretically charge from completely empty to full. Switch to a cheaper home supply, which could cost 12p per kWh on a good-value overnight

tariff, and the maths works out at a more palatable 100 x 12p = £12. That’s a major saving over the cost of a £70£100 petrol/diesel tankful for a typical executive car.

How much does it cost to charge an electric car? Just like conventionally-powered vehicles, electric cars come in different shapes and sizes, and will therefore have varying costs per mile. For this article, we’ve studied the running costs of a cheap and cheerful Renault Zoe, comparing it to the other vehicles so you can get a better idea of just how much it costs in the real world. Don’t forget you’ll need to add the initial cost of of a home-charging point to these prices, and that’ll set you back around £850 to £1250, including parts and labour. Grants are currently available from the government to subsidise the cost of installation.

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Running costs of a Renault Zoe EV compared and analysed The cost of the Zoe over three months are as follows. We used a 66-mile round-trip journey to work and back as a benchmark, and studied the real-world costs of rival long-term fleet cars for comparison. Before we get into these figures, it’s important to note that these cars are driven by different people with different driving styles, and also that the Leaf’s figures were attained during the winter months; don’t forget that colder weather usually means less efficient batteries. Renault Zoe cost per mile: 6.1p Renault Zoe commute cost: £4.03 Compare this with the Nissan Leaf: Nissan Leaf cost per mile: 4p Nissan Leaf commute cost (est) £2.64 We’ve also compared the same 66-mile journey to the similarly-sized VW Golf GTE plug-in hybrid: VW Golf GTE cost per mile: 11.5p VW Golf GTE commute cost: £7.66 Compared to the Toyota C-HR hybrid (non plug-in), you’ll find the following running costs: Toyota C-HR hybrid cost per mile: 13.4p

Toyota C-HR hybrid commute cost: £8.84 The above suggests that when it comes to hybrids, an electric car is around 50% cheaper. But interestingly, when comparing the running costs of a diesel or petrol car, you’ll find less of a difference. Citroen C3 BlueHDi 100 cost per mile: 10.6p Citroen C3 BlueHDi 100 commute cost: £7.00 Meanwhile, the Suzuki Swift – which is powered by an efficient 90bhp 1.2-litre petrol engine, and driven very efficiently - bears the following costs: Suzuki Swift 1.2 Dualjet 4x4 cost per mile: 8.7p Suzuki Swift 1.2 Dualjet 4x4 commute cost: £5.74

How much cheaper are an EV’s monthly costs? Victory for the Zoe, then. And just to make the advantage clear, multiply those commuting costs by five for a typical working week, and then that by four to get an estimate of the monthly difference, and so forth. It’s advantage electric car all the way.

Electric car charging in the UK This is more real-world than a science lab test, and we’ve taken the figures of different drivers for different cars – but the trends are obvious. Don’t forget our running costs only take into account the daily commuting we’ve done; add in extra miles done at weekends and in the evenings, and you’d be saving even more money.

What about public charging of EVs? Home charging is generally cheaper than public charging. However, when you consider that 80% of electric car owners charge at home, according to BP Chargemaster, this is the most common scenario for the majority of EV motorists. For a more comprehensive look at electric car running costs, we’d recommend looking at how much you’d use your EV and calculating how much you’d need to charge up at home versus on the open road. The likelihood is that an electric car will save you hundreds, or maybe even thousands, of pounds a year.

Whether you go for the Renault Zoe (above) with running costs of 6.1p per mile, or the Nissan Leaf (opposite page, top right) with running costs of 4p per mile, the likelihood is that an electric car could save you thousands of pounds a year. To advertise text ADVERT to: 07446 778 482

0901PHA_135x90_FINAL_11_08_17.pdf

11/08/2017

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Stan & Ollie Starring Steve Coogan and John C. Reilly, Stan and Ollie is the heartwarming story of what would become the pair’s triumphant farewell tour. With their golden era long behind them, the pair embark on a variety hall tour of Britain and Ireland. Despite the pressures of a hectic schedule, and with the support of their wives Lucille (Shirley Henderson) and Ida (Nina Arianda) a formidable double act in their own right - the pair’s love of performing, as well as for each other, endures as they secure their place in the hearts of their adoring public.

Mary Queen of Scots Mary Queen of Scots explores the turbulent life of the charismatic Mary Stuart. Queen of France at 16 and widowed at 18, Mary defies

The Mule Broke, alone and facing foreclosure on his business, Earl Stone (Clint Eastwood) takes a job as a drug courier for a Mexican cartel. His immediate success leads to easy money and a larger shipment that soon draws the attention of hardcharging DEA agent Colin Bates. When Earl’s past mistakes start to weigh heavily on his conscience, he must decide whether to right those 54 wrongs before law enforcement and

Films Released: January 11, 2019 Genre: Biography, comedy, drama Director: John S. Baird

Your guide to the best of this month’s movie releases

Cast: John C. Reilly, Shirley Henderson, Steve Coogan, Stephanie Hyam and fascination. Rivals in power and in love, and female regents in a masculine world, the two must decide how to play the game of marriage versus independence. Determined to rule as much more than a figurehead, Mary asserts her claim to the English throne, threatening Elizabeth’s sovereignty. Betrayal and conspiracies within each court imperil both thrones and change the course of history.

pressure to remarry, returning to her native Scotland to reclaim her rightful throne. But Scotland and England fall under the rule of the compelling Elizabeth I. Each young Queen beholds her “sister” in fear cartel thugs catch up to him. It is Eastwood’s first acting project since 2012’s Trouble With The Curve, and his first starring role in a film directed by him since 2008’s Gran Torino.

Released: January 25, 2019 Genre: Crime,

Released: January 18, 2019 Genre: Biography, drama, history Director: Josie Rourke Cast: Saoirse Ronan, Margot Robbie, Jack Lowden drama, mystery Director: Clint Eastwood Cast: Clint Eastwood, Bradley Cooper, Michael Peña

This month’s garden tasks In the flower garden

In the greenhouse

Prune your Wisteria plant now, cutting back summer side-shoots to 2 or 3 buds. Prune rose bushes now whilst they are dormant. Cut back to just above a bud and remove any crossing or dead branches. You can plant bare root roses now in a sunny position for spectacular summer colour. Cut back the old foliage from ornamental grasses before growth begins - clip them to within a few centimetres of the ground. Cut back damaged, diseased and the oldest stems of brightly coloured willows, and thin overcrowded stems. Remove any faded flowers from your winter pansies to stop them setting seed.

Plant Amaryllis bulbs in pots now for stunning indoor flowers in early spring. Brush heavy snow off of greenhouses and cold frames to prevent the glass being damaged. Keep your potato planters inside as frosts will kill the foliage. For better seed germination, try using electric propagators to help your early seedlings along.

In the vegetable garden Harvest parsnips and leeks. If you’d like to grow early peas, place a cloche over the soil to let it warm up for a few weeks prior to sowing. While you’re waiting for the weather to warm up, try growing your own mushrooms using a mushroom kit indoors. You can start growing potatoes in containers under cover for a very early crop (Charlotte potatoes are a good variety for this). Potato Patio Planters are ideal for growing early potatoes in

small spaces. If your greenhouse is unheated, protect your potato grow bags with horticultural fleece on cold nights.

In the fruit garden Begin pruning your apple trees and pear trees if you haven’t done so already - this is best done whilst they are dormant. Continue to plant raspberry canes on sunny sites with free-draining soil. Leave plums, cherries and apricots unpruned until the summer as pruning these fruit trees now will make them susceptible to silver leaf infections. Prune blackcurrant bushes, gooseberries and redcurrants to maintain a productive framework. Try forcing rhubarb plants by placing an upturned bucket or bin over the crown. This will force tender pink stems to grow that will be ready in about 8 weeks time.

Other garden jobs Brush heavy snow of off hedges and conifers to prevent the branches from snapping out under its weight. Shred your Christmas tree and add it to compost bins. Alternatively the stripped down branches make great pea sticks. Hang fat balls and keep bird feeders topped up to attract birds, who will in turn eat pests in your garden. Get rid of slimy patches on the patio, and paving by scrubbing with a broom or blasting with a pressure washer. Wash empty pots by scrubbing them with hot water and a mild detergent. Rinse them well afterwards. Consider purchasing water butts now ready for the summer. Rainwater is particularly useful for watering acidloving, ericaceous plants (tap water is often slightly alkaline). Continue planting trees and shrubs while they are still dormant.

Plant Amaryllis bulbs for early spring

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Keep bird feeders topped up

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Football Whether it’s the Premier League, Spanish La Liga or Italian Serie A, European clubs pay annual salaries that the average British employee can only dream of.

Finance

The Premier League is currently the richest in the world, and the table below spotlights eleven of England’s senior squad at the recent World Cup to analyse the lifestyles of our highest-paid

players. The figures reveal their salary, properties and vehicles, comparing these with the salary, vehicle and property value of the average citizen.

Lifestyle investments of England’s international stars Team

Salary

Car Model

Car Price

House Price

Everton

£4,381,103

Mercedes 220 AMG Sport

£50,707

£2,129,703

Kyle Walker

Man. City

£6,328,261

Lamborghini Huracan

£284,872

£2,535,361

John Stones

Man. City

£4,867,893

Mini Cooper

£37,118

£3,549,505

Phil Jones

Man. Utd

£2,920,736

Range Rover SV

£172,405

£5,070,722

Marcus Rashford

Man. Utd

£2,433,946

Mercedes CLA 45 Coupé

£60,849

£2,028,289

Jesse Lingard

Man. Utd

£4,867,893

Bentley Continental GT

Jordan Henderson

Liverpool

£5,365,682

Audi RS7

£85,675

£2,028,289

Tottenham

£3,650,920

Rolls-Royce

£373,471

£2,086,289

Man. Utd

£5,354,682

Bentley Continental GT

£170,275

£12,169,732

Jordan Pickford

Dele Alli Ashley Young

£202,829 £3,042,433

Harry Kane

Tottenham

£9,735,785 Continental GT Supersports £213,989

£7,873,177

Raheem Sterling

Man. City

£8,518,812

£3,143,847

Bentley Bentayga

£137,924

Lifestyle investments - a comparison Yearly Salary UK citizen Premiership footballer

Average Car Average House

£38,000

£18,000

£318,543

£4,435,000

£142,000

£3,795,000

1003NRG_135x90_FINAL.pdf

13/09/2017

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Fitness

Keepingbodyweight To Your New Year’s Fitness Resolution The workout I

t’s that time yearbeing again, versatile when most partoffrom New Years’ resolutions include joining a and fun, the most gym or getting fit and although people attractive element of usually start off with the best intentions strength that uses as these oftentraining disappear as quickly just your bodyweight is the donuts in the office! But with so many convenience you benefits of livingelement. a healthy All lifestyle, need isfit aisspace in one yourofhome, getting definitely the more worthy resolutions stick to, so we’ve garden, the localtopark, beach dedicated thiswillingness article to helpto you etc and the dokeep the you motivated! exercises. That’s it. No equipment

or major travelling is required Be about yourtogether resolutions andopen it’s easy to pull an and use statements such as ‘I am effective programme that suits determined’ rather than ‘I will try’ which youhelp andyou your fitness targets. will convince both yourself

as well as others that you are serious Quality over quantity about your fitness goals. As in all things fitness you need to Finding others with the same resolution have a plan. What do you want to as you is a great way to succeed, achieve? Are you looking to strengthen having a gym buddy where you can one particular part of your body? What motivate each other and go to fitness for moral are your specific postural and support is a great keep to you on requirements? Theway besttoplace start track. is to seek professional advice and

research various exercises before you

It’s always wise to do your get going. research before joining a gym, we

Don’t fling yourself into a hardcore recommend checking their reviews on session without knowing what you’re social media pages for honest feedback doing. You don’t want to pull a muscle from members. Finding a gym or tear a ligament because youwith were friendly, approachable andunaware knowledgeunder prepared or simply of able staff is key, as it is proven that the correct technique. Get someone more people tendbest to stick to theirforfitness to show you the exercises goals when theyworkouts train in aonline. positive you and watch

atmosphere with a motivating team Good technique behind them. is essential if you are to avoid injury or imbalances. And remember quality not quantity king Finding a class that you islove here. The amount of reps canto your is a great way helping youyou stick do is not important, but doing resolution, so take time to findthem out properly is.different classes at the gym, about the look for a gym with a varied timetable Bodyweight workout and a range of different classes. It’s There are a checking huge range bodyweight also worth thatofthey are not exercises that youitcan with oversubscribedcantry, be all disappointing slight variations, but the following and demotivating to prepare to attend suggestions will give you a few broad a particular class, only to find that you ideas. This session contains all the can’t get on it! ingredients for a total body workout, targeting all the major muscles and January when giving the is heart andmost lungsgyms somesee new members, a great to try a training too. so Youit’scan build time a great new class; lots lean of people will be in the six-pack, chest, muscular legs same position as you, because and train all around the and body, simply of this,the many gyms will havevarying classesthe espewith exercises below, cially forofbeginners (but be put number repetitions as don’t you build up.off if you can’t find begginers classes, the Warm-up: Walking, jogging, running, best instructors differentiate sequences stair-climbing (anything that gets you to suit all abilities) elevates If you areyour concerned slightly breathless, heartabout your fitnessyou levels aremain getting rate and prepares for or your back into fitness after an illness or session). injury speak to an instructor about what Legs: Bodyweight squats, lunges, stepclasses they recommend. ups and pistols (one-legged squats).

usually the best bet when you are first Stomach starting and out. abdominal Sometimesmuscles: attractive offers Sit-ups, flutter bicycle kicks. or such as free kicks, months membership Lower back: fee Back extensions, no joining can be tempting, but can supermans, leave you bridges. tied into a contract of at least 12 months. offermuscles rolling Core MusclesSome (Deepgyms postural membership, theseyour are body often the most which wrap around which cost effective memberships as you are give you support and keep you upright): shoulder not tiedThe in toplank, a contract, but taps, is better mountain climbers. value than paying per gym visit (if you go often enough!) Cool-down: Easy walking to relax and bring your heart rate down. The most common reason given Flexibility: Five to 10 minutes spent for giving up on fitness resolutions carrying out some light stretching. is not seeing results immediately, remember it takes about 4 weeks to Sets, repetitions and notice a change in yourself, and about progression 6 weeks for other people to notice a A change repetition onesocomplete in is you, bare thisexecution in mind ofand an exercise, example: one short pressbe kind toforyourself. Make up.term A set is a number of repetitions, goals and give yourself little forrewards example: 10 press-ups. you or such as a trip to When the cinema have warmed-up, try doing one set of a new item of clothing to keep yourself approximately 10 repetitions of each motivated. exercise. As your strength develops you can experiment by completing Remember yourtwo fitness more repetitionsthat or doing or more journey is your ownin , so whether sets with a short recovery between. you have lots of weight that you want Another variation is to do two complete to lose, just want with to get fit or tone sets of theorexercises, a short walk,up, Chest triceps: Press-ups (varying Gym and membership can be expensive tryornot yourself to othera gym jog runcompare in between, combining the of your hands to target andposition it’s always worth checking out the goers, you don’t know how long they resistance session with cardiovascular different areas of the chest), tricep dips. different packages such as on-peak have been on their journey, and always training. Always remember to cool and off-peak before starting. Gym’s that down remember ‘’Every accomplishment Upper back, shoulders and biceps: with some flexibility exercises to offer paydips, as you sessions or memstarts any withpost-exercise the decision to try!’’ the Pull-ups, sidegoplank, mountain reduce stiffness bership packages without a contract are following day. climbers.

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