My Local Magazine ®
Issue 73 | June 2017 | The BEST of Middlesbrough’s Business, News, Reviews and To-Do’s
Local Stories | Local Businesses | Gardening | Car Reviews Health & Beauty | Home | Horoscopes
MARTIN ANCE LEWIS - BAL TRANSFER PAGE 18
IDE MY I WANT TO R BICYCLE PAGE 22
FORD C-MAX PAGE 24
distributed by Famous Flyers
Keep Me for 2 Months
DO YOU NEED A CLEANER page 6 1
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To advertise call Jeremy T: 01642 924847 M: 07533 265475
31/05/2017 16:49:57
Quality in the materials that we use for all our installations and the fact that all our loft packages are fitted by time served tradesmen so our customers are assured of the best job. Integrity in that we will turn up at the time we The company, based locally, say and make sure the house offers homeowners the opis spotless when we leave, portunity to maximise their and Value in that we offer storage space with a loft our services at a price people ladder, 50 sq ft of boarding can afford. Our business and a light all fully fitted in relies on referrals and we got less than a day from just a huge amount of our calls £277 + VAT. But it’s not just from people who have been the affordability of the pack- referred to us by our existing age the company offers that customers - that simply makes Yorkshire Loft Ladwouldn’t happen if we didn’t ders stand out as manager adhere to our overriding Mark Hodson explains: principles. These days most homeowners suffer from a lack of storage space. So many precious items that need to be kept – but where to store it all? That’s where Yorkshire Loft Ladders come in.
‘Our watchwords are Quality, Integrity and Value.
lead to more happy customers is true and we work hard to make that happen for every installation we carry out!’ So, if you want to make use of your loft space, however
big or small, call Mark on 0800 612 8359 and he’ll be happy to pop round and give you a no obligation quote so you too can make use of your loft!
At the end of the day the old adage that happy customers
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My local June 2015_Layout 1 28/05/2015 14:53 Page 3
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To advertise call Jeremy T: 01642 924847 M: 07533 265 475 E: jeremy@mylocal-magazine.co.uk To advertise call Jeremy T: 01642 924847 M: 07533 265475
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Editor’s Letter
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Welcome to My Local Magazine. By the time you read this the elections will be over and done with and everyone can go back to normal. If you are like me, you maybe sick to the back teeth of all this voting malarkey? Over the previous few months, relatives friend and business associates have ask me who I’m voting for? It is always a bit of a tricky question to answer. Best avoided at all costs. I have heard recently were companies have lost customers, because of their different political alliances?
ow
saying “The only consistant is change” How very true.This is why I don’t have any alliances, to any political party. How will I know what my circumstances will be in the future? I can only decide on what I know to be true at this moment in time. We are fortunate to have the right to change what we don’t like, and to change tact, to what we consider to be right. How lucky are we have the right to choose. Until next time.
I have no alliance to any party. I studied what each party was offering, based on my current personal and family circumstances at this moment in time and voted accordingly.
@mylocalmag /mylocalmagazine
Contents
I remember an old boss of mine
Features Recipe
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Are You Ready For Retirement
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Russell Grant
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Martin Lewis Balance Transfer
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Motors
Jeremy Middleton Managing Director T: 01642 924847 M: 07533 265 475 E: jeremy@mylocal-magazine.co.uk W: www.mylocal-magazine.co.uk My Local Magazines Ltd, Office 4, Walker House, 3rd Floor, High Street Stockton on Tees TS18 1BG My Local Magazine does not endorse any advertisement with in this publication. My Local Magazine cannot be held responsible for breach of copyright arising from publication artwork supplied. It is the advertisers responsibility to ensure conformity wuth the Trades Description Act 1975 Business Advertisement Disclosure Order 1977 and The Consumer Act 1974. Reproduction of this magazine is in anyway is strictly prohibited. If you wish to use any of the advertisements or content with in this publication please contact Jeremy Middleton 01642 924847 Whilst we, the publisher take great care to be accurate, no liability will be accepted under any circumstances should any of the contents of this publication be incorrect.
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Gardening
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Allen Plant Hire
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Trades
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03 www.mylocal-magazine.co.uk | E: jeremy@mylocal-magazine.co.uk
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Cat Breeds Word search
Find the hidden words in the word search grid
siamese abyssinian burmese sphynx snowshoe
toyger munchkin cymric manx bombay
persian birman chausie ocicat korat
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Answers
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To advertise call Jeremy T: 01642 924847 M: 07533 265475
31/05/2017 16:50:14
Tastes so good... Coronation Chicken
A Retro Summer Supper Preparation time 1-2 hours Cooking time 30 mins to 1 hour Serves 4-8 Ingredients 1.5kg/4lb free-range chicken 4 spring onions, sliced 6 garlic cloves, peeled, left whole 1 tbsp sea salt 10 whole black or green peppercorns or a mixture For the sauce 1 tbsp vegetable oil 1 onion, chopped 1 tbsp curry powder 1 tbsp tomato purée 85ml/3fl oz red wine 150ml/¼pint water 1 bay leaf salt and freshly ground black pepper caster sugar 2 slices lemon squeeze of lemon juice 425ml/15fl oz good-quality mayonnaise
2 tbsp apricot purée (You can make your own by blending 4-5 ready-toeat dried apricots with 3 tbsp water) 3 tbsp whipped cream To serve 1 tbsp roughly chopped coriander Boiled rice Method Place the chicken into a large saucepan with a tight-fitting lid. Cover with water and add the spring onions, garlic, salt and peppercorns. bring to the boil uncovered and simmer for 30 minutes. Turn the chicken once during this time. Cover with the lid and turn off the heat. Leave for one hour. Remove the chicken, allow to cool completely, and then tear the chicken from the bones and chop into chunks. For the sauce, heat the oil in a pan over a medium heat. Add the onion and cook gently for 3-4 minutes until translucent. Add the curry powder and cook for a further two minutes, stirring well. Add the tomato purée, wine, water and bay leaf. Bring the mixture to the boil.
Season with salt and freshly ground black pepper, then add the sugar, lemon slices and lemon juice, to taste. Reduce the heat and simmer uncovered, for 5-10 minutes. Strain the sauce through a sieve and set aside to cool. Once cold fold in the mayonnaise and apricot purée, to taste. Add more lemon juice if required and then finally fold in the whipped cream. Arrange the chicken on a large platter, pour the sauce over the top, sprinkle with the coriander and serve immediately, with rice or salad.
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Not Ready for Retirement?
Pensioners represent 11% of the total workforce.
Benefits Find out what your entitlements are. Check out www.direct.gov.uk to find out about pensions, earnings and tax. Talk to someone in person on the phone, ensure you have all relevant information to hand: P45, NI Numbers. The important thing is that you’re registered. Other benefits may come your way later.
If you prefer to register in person, pop into your local Job Centre or recruitment agency.These are all positive moves which will help you feel more confident.There are many ways to research information about employment.The library or your local college are good starting points. Libraries often have computer terminals available for public use.
Staged Retirement? Talk to your boss or line manager in advance of your retirement. Can you stage your retirement over a couple of years? Dropping to a three day week, then two days, will make any transitions run smoothly.You will be able to pass on your knowledge to your replacement and allow them to take over.
Job-hunting www. jobcentreguide.co.uk provides an plenty of information on vacancies. Additionally free CV advice.This is helpful if you are out of practice in selling yourself.You can register your CV on line with any number of agencies, such as www.reed.co.uk, which show jobs in your area.
Play to your strengths. Explain how the skills you’ve acquired throughout your working life.
Even though retirement ages have increased. Many people find that when the time comes we don’t feel ready to down tools. All the knowledge, skills and qualifications we’ve achieved over the years can’t be switched off. but don’t despair; there are more than 1.3 million pensioners still in work.
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Reassure the employer You are hard working, flexible and willing to learn. Think of retirement as a fresh start. It may be a chance to reinvent yourself. By Christine Harris
To advertise call Jeremy T: 01642 924847 M: 07533 265475
31/05/2017 16:50:17
How to make your Conservatory Feel like a Proper Room If you’ve ever tried to use your conservatory in the winter, you’ll know that it can feel like a cold, damp and dismal part of the house. In all the glossy conservatory sales catalogues, the sun is always shining, the garden is blooming and everyone is having fun being in the bright and clean ‘new room’. The reality is that most conservatories are too hot to use in comfort in the summer, and certainly too cold to use in the winter. Condensation can be a problem in the winter, and it’s too bright to watch a tv in there in the summer. And when it rains, the noise can be deafening! Most conservatories have been built as temporary structures and usually as a less expensive alternative to an extension. This means that they don’t comply with the building regulations that an extension would have to do especially in terms of the thermal efficiency. The team at local specialists Inceil talk to homeowners every day
who want to be able to use their conservatory all year round and not on the handful of days when the temperature is just right! Their cost-effective solution is to fit an insulated ceiling fitted to the existing roof structure in just 1 or 2 days. The new plastered ceiling follows the contours of the existing roof and uses the most thermally dynamic insulation available. Your conservatory will feel like a proper room with a better temperature year round. And you don’t have to do anything to the external roof. It’s important when having any works done that you are happy with the people working in your home. Customers frequently comment on how polite and friendly everyone is in the Inceil team – and that they cleaned up when they had finished! On the Inceil informative website www.inceil.co.uk you can watch
an installation video which shows exactly how the process works, and request a free survey and quote. Or give them a call on 01904 891936. In just one or two days, your conservatory can be transformed into a comfortable and usable part of your home.
Is your conservatory TOO HOT to use this summer? An insulated ceiling from Inceil will transform your conservatory so it is cooler in the summer and warmer in the winter - so you can enjoy your conservatory all year round.
Call 01904 891936 now to arrange a FREE quote and survey.
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5 ways to prevent being thrown into orbit from jet lag.
One of the downsides of long-haul travel is jet lag.Whilst there is some controversy about whether jet lag is just a state of mind or a real physiological phenomenon, it can cause disruption to many travellers.
Jet lag can present as tiredness, confusion, erratic moods, altered appetite and digestive issues. Symptoms vary from person to person and are affected by the number of time zones crossed and the direction flown (west to east is considered to be worst as time is lost).They can last for up to 5-7 days. 5 tips for managing jet lag; Keep active; Avoid the ‘travelators’ at the airport and instead power-walk your way around. On the plane, get
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up and stretch as often as you can. Keeping your body active will tire yourself out enough to rest when you need to. Keep quiet – wear noise cancelling headphones or ear plugs to tune out the machinery noises and allow a restful time aboard the flight. Even if you don’t sleep easily on the plane, your body will be in a less stressed state. Try meditating, or listening to guided relaxations. Most airlines now provide calm playlists on their in-flight entertainment.
Set your clock – change your clock to the local time of your destination.This will make it easier to adapt once you reach, and will encourage you to sleep during the ‘night’ aboard the flight.
Take remedies – use homeopathic remedies and aromatherapy during and after the flight. Avoid melatonin (it’s not available in the UK but can be purchased overseas), which is a synthetic version of a naturally occurring hormone, and sleeping tablets. Caffeine, alcohol and sugar should also be avoided as they give such artificial highs and lows to energy levels.Treatments such as osteopathy, acupuncture and massage can also help to rebalance your system. Back to nature. When you land, spend some time walking on grass or sand with bare feet.Time in nature has a grounding effect on the body and mind which can literally and physically bring you back down to earth.
To advertise call Jeremy T: 01642 924847 M: 07533 265475
31/05/2017 16:50:19
ConsuMEr CHAMPion C-armageddon
if there’s one subject that winds people up; it’s parking charges and tickets.
never know, they might agree with your reasoning and step in and ask the parking company to back down. Obviously, there are no guarantees with this approach.
That’s why I’m going to be raising awareness of your rights (and highlighting dodgy service) over the next month as we tackle parking problems head on.
Drivers should be aware that parking disputes can escalate quickly if ‘invoices’ are left unpaid and unchallenged. I’ve heard stories of private parking firms coming down quite hard on people. If a ticket isn’t dealt with you could end up being charged more and might even receive letters threatening legal action.
First up, private parking fees. These aren’t penalty charge or fixed penalty notices, (official charges from the police or council) despite what they might look like. They’re actually invoices for breaking parking rules on private land, like a supermarket or even a hospital. Even though these tickets aren’t fines, you’re still being billed for a breach of contract. What’s that, I hear you say, you never signed a contract?! Well, when you park on private land, you should see a sign that clearly sets out the rules. By parking there you agree to those rules, so if you overstay the firm can charge you for the privilege. And those charges can mount up. The biggest problem with private parking charges is the fact that people get so angry about them that they ignore the ticket, rip it up (a bad idea) or decide they’re going to appeal but forget.
It’s also worth remembering that it’s not always the driver that has to pay the fine. Private parking companies are allowed to hold the owner of the car liable for any unpaid fines. Of course, the best way of avoiding paying parking tickets is to not get them in the first place. Always pay close attention to the parking rules set out on signs in the car park. Make sure you’re looking at the right part of the information, as rules may differ depending on the time and day of the week. If you’re still unsure about anything try and find a parking attendant or other member of staff
to talk to. If you want to raise a complaint about a private parking company you could use Resolver. The system allows you to construct a complaint, keep track of any communication, and escalate your case to POPLA (Parking on Private Land Appeals). They will carry out an independent assessment based on the evidence provided by the motorist and the parking firm and decide whether to uphold the appeal. You can find out more about your rights or make a complaint using Resolver for free at www.resolver. co.uk. Or view our Twitter page @ WalkerResolver @resolvercouk or go to facebook.com/resolvercouk
As a general rule, it can be hard to get your money back when you’ve paid, so bear that in mind if you make a complaint. But if you don’t pay, speak to the parking company asap. Ask them to hold fire on charges while you present your case, and gather some evidence. Photograph the car park and sign, explain the circumstances that lead to the problem, keep a record of all your comments and ask them to respond in writing. It can also be worth writing to the land owner to explain your situation. Organisations, like hospitals, employ parking firms to administer the parking and will want to know if the company is acting unfairly.You www.mylocal-magazine.co.uk | E: jeremy@mylocal-magazine.co.uk
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Household Tips - rubber bands Wrap a rubber band or two around the handle of a hammer or screwdriver for a firmer grip.
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To advertise call Jeremy T: 01642 924847 M: 07533 265475
31/05/2017 16:50:29
return of the Pawnbroker What do you think of when you see the word pawnbroker? The slums of dickens? The austerityyears of the 1930’s great depression? Think again; modern pawnbrokers are rather smart establishments, and don’t look out of place on the high street. After World War II the pawnbrokering went into something of a decline and by the Seventies it had almost died out as a trade with maybe just fifty or so in the whole of the British Isles, generally in poorer areas which boasted a high concentration of itinerant workers. Now there are over a thousand pawnbrokers in the UK and they are appearing in traditionally affluent areas. The industry is worth an estimated £100 million per year! The Australians have also followed suit with their Cash-Converters, high street buy-back chain.
pawnbrokers as a way of generating cash. Modern pawnbrokers offer a discreet and confidential service where clients can pledge anything from a piece of jewellery or a watch through to a prize car or even a house. One London pawnbroker says he was once offered a Lear Jet! Likewise the clients have changed too. In the old days it was men trying to make enough to pay the rent man or the landlord. Now it’s just as likely to be a middle class couple looking for a way to pay the mortgage or the school fees. so how does it work?
What’s caused the change?
Pawnbrokers and their like give a client money in return for an object that is held as security until the customer pays off the loan and any interest charges. There are no credit checks and, once the item is valued and a rate of interest agreed, the customer leaves with the money.
Many of us seem to have lost faith in the banking system which in turn seems to have lost faith in itself as it restricts credit. People suddenly see
If the loan is paid back within the agreed time the client can reclaim their goods. If the loan is not paid back then the pawnbroker has the
right to extend the terms or sell the goods, though many are reluctant to do this as they thrive on repeat business. Buy-back shops are slightly different. Here the client sells their item with an option to buy it back within 28 days. If they don’t reclaim it then the shop can sell the item. The Consumer Credit Act states that a pawnbroker must give their client a receipt displaying the date the redemption period ends; the amount of credit secured by the pledge, and the interest rate, plus any other charges that individual lender may apply. If you lose your receipt inform your pawnbroker immediately so that no one else can present it. By Louise Addison
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For July 2017
Cancer
By Astrologer Russell Grant
AriEs March 21st - April 20th Your services are required on the home front at the beginning of July. It may be necessary to take time off work to handle domestic responsibilities.Your employer won't be happy with the situation, but you have no other option. Neighbours are ready to lend a helping hand. Don't fail to accept their offers of help. On the 9th, the Full Moon will come to your professional rescue.You'll be able to leave a restricting work situation for a far better one. Don't let erratic behaviour hurt your reputation in the middle of the month. If you feel restless, find a healthy channel for your nervous energy. Brisk exercise and creative projects can relieve tension. The New Moon on the 23rd is perfect for fulfilling romantic desires. If you're single, you will meet someone special at a sporting event or contest. Are you already in a relationship? Arrange a fun outing that's tailored to your amour's taste. TAurus April 21st - May 21st Handling facts and figures will be harder than you think. You may decide to take a course at the beginning of the month. Expanding your skill set will make you less reliant on expensive experts. Money for luxuries will be available; give yourself a treat for facing up to a challenging situation. The Full Moon on the 9th will mark the successful conclusion of a legal matter.You'll be happy to put this situation behind you and focus on more rewarding pursuits. Taking an overseas journey could transform your dreams and aspirations. During the second half of July, you'll enjoy spending more time in and around your home. This is a great time to invent recipes and redecorate drab rooms. On the 23rd, the New Moon will send help in the form of an attentive relative. Let this family member paper and pet you. A little tender loving care will recharge your batteries. Begin work on a creative project as August approaches. gEMini May 22nd - June 21st Throwing money at a problem won't make it disappear. In order to overcome a persistent problem, you'll have to use all your willpower and determination. Your efforts will pay off handsomely, giving you a confidence that will turn heads. On the 9th, the Full Moon will enrich your bank account in the form of an inheritance, refund or royalty payment. Use this money to create long term financial security. This would be a great time to put a down payment on a home or car. During the middle of the 16
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month, you'll be tempted to splash out on a lot of lavish status symbols. Ignore this desire; you'll quickly tire of a fancy mobile or entertainment centre. The New Moon on the 23rd will find you flirting with an attentive admirer. This could be the beginning of a beautiful friendship. As July comes to a close, you'll get a chance to sell your skills or your handiwork for a tidy profit. CAnCEr June 22nd - July 23rd A pushy attitude will create problems in a close relationship.You'll catch more flies with honey than vinegar at the start of the month. A brilliant moneymaking idea is worth checking out. Turn a deaf ear to a pessimistic pal or reluctant relative who thinks this particular is doomed to disaster. The Full Moon on the 9th will bring a welcome opportunity to repair a strained romance. Put an end to an ongoing power struggle and work together instead. An opportunity to improve your living space will arrive at mid-month. Take this opportunity to buy furniture, artwork and appliances that appeal to your impeccable taste. On the 23rd, the New Moon will inspire you to start a project that is dear to your heart. Doing work that is personally meaningful will uplift and inspire you. It will also give you the courage to break away from an oppressive situation that has drained your energy. LEo July 24th - August 23rd Your working environment will feel oppressive at the beginning of July, due to a cantankerous colleague. It's time to file an official complaint. If you can't put space between you and them, start looking for another position. On the 9th, you'll feel able to wrap up your duties and move on to a bigger and better opportunity. Don't worry if it takes a while to get your bearings toward the middle of the month. A little patience and persistence will pay off; it will take a long time to get accustomed to new surroundings or changed circumstances. The New Moon on the 23rd will find you stepping into an enjoyable role. Serving as a spokesperson for a company or cause will be a great use of your star power. The closing days of the month will let you slow down your pace. Take this opportunity to rest, relax and recharge your batteries. A break will allow you to take full advantage of all the magic that awaits you in August. Virgo August 24th - september 23rd A romantic partner will urge you to abandon a lifelong dream at the beginning of July.You
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31/05/2017 16:50:34
may decide it's better to break off the relationship than ditch those things that are dear to your heart. Putting the finishing touches to a new career plan or creative idea will open your eyes to the potential of a new life direction. The Full Moon on the 9th will prompt you to make an important decision about your love life. It may be better to go solo than stay with someone who dampens your spirit. During the second half of the month, you will be in great demand. Be willing to explain and expound your views and values. People will be very receptive to your ideas. By the 23rd, you'll be able to take a well-deserved break from your labours. Head for a glamorous country you've always wanted to visit.You'll have a wonderful time dining at fine restaurants, going to concerts and sightseeing at museums. Enjoy. LibrA september 24th - october 23rd You're tired of insufferable behaviour of someone you live with or work with. Instead of enduring their outrageous behaviour with a silent smile, confront them head on about it at the beginning of the month. People will rally to your side. If someone as courteous as you has reached their breaking point, it means there is a real problem. On the 9th, the Full Moon will help you wrap up an important domestic matter. It's a great time to buy or sell a piece of property. Alternatively, you may decide to move to somewhere that is radically different from your current home. The second half of July will be festive.You'll enjoy making the rounds of a series of parties. The New Moon on the 23rd will mark the beginning of a group project. Working alongside other creative people will bring out the best in you. At the end of the month, go on a job interview, make a presentation or even try your hand at local politics. sCorPio october 24th - november 22nd At the start of July, angry words could be exchanged with a powerful individual.You may decide it's no longer worth it to put up with this oppressive person. Don't second guess or go back on your decision. Although it will take time to find another opportunity, it will come eventually. The Full Moon on the 9th will bring reassuring news that you made the right choice. Solitary activities will be therapeutic during the middle of the month. Head off to a quiet retreat near the water where you can hear yourself think. On the 23rd, the New Moon will bring an exciting career opportunity that makes your eyes sparkle with joy. Being able to work for a glamorous company or industry will renew your zest for life. As August approaches, you'll have a chance to travel abroad. Take this opportunity to buy some beautiful items you couldn't possibly find at home. Art made by local craftspeople is especially favoured. sAgiTTArius november 23rd december 21st Money will be thin on the ground at the beginning of the month. This isn't a good time to make expensive purchases.You can have plenty of inexpensive fun at home. Invite friends over for a meal and box set marathon. On the 9th, you could receive a fiscal fillip, courtesy of the Full Moon. After paying your bills, put the rest of this money in savings.You will need a cushion to protect you from financial uncertainty. The middle of the
month will put a strain on a romantic relationship.You may decide your amour is too emotional for your taste. Don't hesitate to accept an important career assignment during the second half of July; this will be a great time to bolster your professional reputation. The New Moon on the 23rd will inspire you to expand your horizons in some way. Schedule an exotic trip, begin a writing project or enrol in an intriguing course of study. CAPriCorn december 22nd - January 20th Show respect for a loved one's opinions throughout early July. Although you want them to adopt your views, you may never change them. It will probably be best to agree to disagree. Balancing your personal and professional lives will also be difficult; putting in a lot of overtime will hurt your loved one's feelings. The Full Moon on the 9th will give you a greater measure of control over a chaotic situation. Take this opportunity to salvage a project that is falling apart at the seams. During the middle of the month, you'll be doing battle with a relative whose erratic behaviour drives you to distraction. Unless this family member gets help for their issues, you may want to keep a healthy distance. On the 23rd, the New Moon will prompt you to embark on an intimate relationship. Let down your defences with someone who has proven their loyalty. Property matters are favoured as August draws near. AQuArius January 21st - February 19th You'll feel overburdened with work as July waves goodbye to June. Don't push yourself too hard or you will suffer burnout. If you'd like a different job, apply for a place at a charity or humanitarian organisation. Getting paid to make the world a better place will be the answer to a prayer. On the 9th, the Full Moon will bring the end to a period of seclusion.You'll welcome the chance to join the social scene again. The middle of the month will bring an opportunity to travel abroad.Visiting a country known for its cultural refinement will be right up your street. Are you looking for love? You'll have to be more assertive with a romantic interest during the second half of the month. The New Moon on the 23rd could find you embarking on an enthralling new relationship. It's a great time to enter into a romantic or business partnership. You'll make a hit on social media as August approaches. PisCEs February 20th - March 20th Friends will want you to put an end to an enjoyable hobby in the early days of July. Stick to your guns; you're too smart to bow to peer pressure and there's no reason why you should. Staying true to your ideals could put you in the path of romance. If you already have a partner, schedule a fun getaway for just the two of you. The Full Moon on the 9th marks the end of a challenging group project. People will be so impressed with your efforts that you'll be offered bigger and better assignments. Toward the middle of July, you'll find family relationships will get challenging. To go along with a stuffy relative, you'll have to put on a false front toward the middle of the month. On the 23rd, you'll receive and interesting offer, courtesy of the New Moon.You'll jump at the opportunity to get paid for exercising your imagination. As August approaches, you'll be working on a financially and emotionally fulfilling project.
www.mylocal-magazine.co.uk | E: jeremy@mylocal-magazine.co.uk
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Martin Lewis Holiday Bookings
Some months, for many, the letterbox becomes an enemy. When it flips open it contains a bill. And the worst of those for many are credit cards - a final reckoning of the last year’s debts. If you’ve debts you can’t repay, there are two key things to do: stop borrowing more and cut the interest rate. By cutting the rate, more of your repayments clear the actual debt rather than just help add profit to the lender. The main weapon to clear credit and store cards is a balance transfer, where you get a new credit card(s) that repays debts on existing cards for you, so you owe it, but at a far lower cost, for a small fee. The good news is right now there’s white hot competition in this market. So, sort it now and stop paying more than needed. And if you won’t listen to me, listen to Marc who emailed: “took your tip on taking a balance transfer card and we’ve saved £9,400 over the next 40 months. Amazing.” How to choose the right balance transfer card deals There are a vast range of cards to choose from, ranging up to 43 months 0%. But it isn’t quite a simple as just go for the longest. 1. Go for the lowest fee in the time you’re sure you can repay. Most cards charge a one-off fee on the amount of debt transferred. So, for example, 3% is £30 per £1,000. Generally, the longer the 0% period, the bigger the fee. So, what you need to do is calculate how long you think you’ll take to clear the debt, add a few months for safety, then pick the lowest fee within the time you need. If you’re not sure, play safe and go long. For example, the longest card available at the time of writing is the www.MBNA.co.uk up to 43 mths 0%, with a 3.29% fee. The longest no-fee card is www. Halifax.co.uk up to 26 mths 0%. 2.You need a PERSONALISED best buy table. Each lender credit scores 18
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you differently, where one accepts, others reject. Best buy tables just list the best offers available, but what really counts is what you can be accepted for. Worse still, the only way to find out what you’ll actually get is to apply, and that marks your credit file.
to clear debts is to repay as much as you can and be wary of only repaying the minimum repayments. That’s dangerous. Minimum repayments are set to only just cover the interest, so repayments drop as debt drops, prolonging the debt period.
Yet we’ve seen a new range of tools that show your likely chances of acceptance before applying, protecting your credit score. Some card firms have their own or my Eligibility Calculator (www.mse.me/ BTeligibility) shows your chances for most top cards, effectively giving you a personal best buy table.
For example, with £3,000 on a typical card, repaying minimum repayments it’d take you 27 years to repay, costing £4,000 in interest. Now you may say to me “I can’t afford to pay more”. Yet in the first month the minimum repayment would be about £70, and if you fixed your repayment at that rather than letting it drop, you’d clear the debt in five years.
3. Many cards are ‘up to’s’: With these cards, only 51% of accepted applicants need get the advertised 0% length, the rest could get a shorter deal. So, in many cases, the cards that aren’t ‘up to’s’ can be better. The longest non-up to 0% deal is www. SainsburysBank.co.uk 42mth 0% for a 3.5% fee, and it also has the longest fee free deal at 25mth 0%. This is especially important when you do a eligibility comparison. If all your accepted cards are ‘up to’ cards, then the likelihood is you won’t get the full 0%. So even if there’re one or two non ‘up to’ deals there, they may be worth looking at. The 3 Balance Transfer Golden Rules Getting the right card’s only half the job. Once you get it, you need to use it the right way. a) Repay at least the set monthly min, or you can lose the 0% deal. The same can be true if you bust your credit limit. b) Always clear the card or shift again before the 0% ends, or rates jump to the representative APRs, typically 18% to 20%. c) Don’t spend or withdraw cash on them, it’s rarely at the cheap rate. Instead, shift your debt to these cards, then put it away somewhere not to be used. A final thought on this. The best way
Yet if you’ve multiple debts, order them in terms of interest rates, and throw all spare cash at repaying the one with the highest rate (as its growing fastest). Just pay minimums on the rest. Once that’s clear, focus on the next most expensive debt and so on. Are you in debt crisis? The solutions above are for those who can manage their debts.Yet if you a) can’t meet even the minimum monthly payments b) have nonmortgage debts bigger than a year’s salary or c) can’t sleep due to your debts, or have depression or anxiety because of them, then you’re in what I define as debt crisis. Forget the above and get free, oneon-one debt-counselling help from www.CitizensAdvice.org, www. capuk.org, www.StepChange.org or www.NationalDebtline.co.uk. They They are there to help, not judge. The most common thing I hear after is: “I finally got a good night’s sleep”. Martin Lewis is the Founder & Chair of Money Saving Expert. To join the 12 million people who get his Martin’s Money Tips weekly email, go to www.moneysavingexpert.com/ latesttip
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31/05/2017 16:50:36
Are You Committing Emoji Abuse? More than 6 million of them are sent every day, but are you misusing your emojis? Read on… Emojis are a fun way to communicate. Millennials were the early adopters of emojis but bizarrely it’s the older generation who seem to be most guilty of emoji abuse. My mother regularly sends me texts which are strings of hearts, wine glasses and smiley faces (maybe I should worry about her love life and / or her drinking habits!) Emojis are like seasoning. Used sparingly they add flavour and a personal touch to your texts. Over use them and they become offputting very quickly. One place to avoid them is in more formal relationships, like with your boss or immediate superior. Also, bear in mind that emojis don’t always translate well across mobile platforms. So an iPhone user sending a ‘stressed’ emoji can appear to be sending a happy emoji to an android user! And take care you are using the correct emoji. My mother (notice the theme here) once sent a text notifying me that my father had hurt his back. She thought she had sent a crying ‘sad’ emoji, but in fact had sent me a ‘crying with laughter’ emoji, (which incidentally accounts for 20% of all emojis sent!). I assumed it was a comedy accident and replied accordingly, only to find out my poor dad was completely immobilised. So take care people. Ignore emoji etiquette at your peril. By Tracey Andrews www.mylocal-magazine.co.uk | E: jeremy@mylocal-magazine.co.uk
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Which film starring Morgan Freeman had the tagline 'Fear can hold you prisoner. Hope can set you free.'?
2.
In Scotland what is unusual about a Lorne sausage?
3.
Which is the only muscle in human body that works without any support from the skeleton?
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A
Shawshank Redemption It’s served as a flat sqaure 20
1. 2.
Q.
1.
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Why We Need Bedtime Stories I loved bedtime stories as a child and now I’m enjoying them again with my own children. Bedtime stories are calming, fun and snugly time and those are good enough reasons on their own for indulging. But Bedtime stories have other benefits too. Communication Reading is one of the most important communication tools available to us and is fundamental in establishing essential pathways in the brains of early learners. It enhances basic speech and reading skills, but less obvious skills such as, those required to make friends in the playground, and to concentrate in class. Improved Emotional Understanding Most of us have cried or laughed at a good book. Bedtime reading can help us broach difficult topics in a safe environment. We can explore powerful emotions through the medium of fiction. The shared experience of reading together
fosters stronger connections and provide topics of conversations well beyond the fifteen minutes at bedtime. Improves imagination and feeds curiosity
individual’s imagination is unparalleled. Books allow our children to explore both our world and fictional ones. It can also help to express their individuality and help them discover interests that may not be covered at school.
The effect of reading on an
By Sarah Davey
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I Want to Ride My Bicycle… Do you remember the thrill of owning your first bike? That sense of freedom and speed? Cycling has increased in popularity again since London 2012 and rightly so – it’s an ecofriendly, sociable and healthy activity. Regular family cycling trips can provide a wealth of new experiences and a sense of adventure and bonding. It’s never too late to start: even if junior is too young for their own bike they will love to travel along with you. Please note that for most trailers and all child bike seats the child should be able to support their own head wearing a cycle helmet. For most children this is between 10-14 months but be sure to take advice from your local cycle specialist. Trailers These attach to the adult’s bike and may be single or double. They offer some protection from the elements as they can be covered. They can also take children up to 45Kg. An older child has enough space to take along their own snacks and a couple of toys. They can nap in comfort if they wish.
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The disadvantage of a trailer is its proximity to the ground: it doesn’t afford much of a view. There is also a danger that, if used on the road, some drivers may not see it. Hire before you buy. Most cycle-hire outlets offer a good range. It’s a great way to find out if a trailer is for you. You can buy specialist trailers for babies too young to travel in child seats or in conventional trailers. The child is securely strapped in and the framework acts as a roll-cage in case of a toppling accident. The beauty of these specialised trailers is that they also convert into a buggy. They’re not recommended for road use though. Child bike seat These are comfortable and offer a great view as the child is raised up. Choose the seat according to the child’s weight and height rather than age as children vary so much. Carrying a child alters the centre of gravity of the bike so practice on soft ground or in a safe area before you venture out on to the roads. Trailer bikes / Tag-alongs These have one wheel, and a saddle with a curved frame which attaches to the
adult bike. The child can peddle or just hitch a ride. For an older child who wants to ride independently but who tires on long cycle rides, you can buy a connector kit to attach their bike to the adult bike. Consult your local dealer for advice. IMPORTANT No-one should travel in a conventional trailer or bike seat unless they are wearing a helmet. Bike seats (and to some extent trailers) leave children exposed to the elements. Wrap them up warm in cold weather, and make sure they’re slathered in sunscreen when it’s sunny. By Sarah Davey
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31/05/2017 16:50:42
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AUTO-BIOGRAPHIES New 2017 Ford Grand C-Max
Ford’s Grand C-Max is a car designed to carry up to seven people safely and comfortably. It’s got all the things that make life easier. Things such as sliding rear doors that mean the children can get in or out without bashing the doors on walls or other cars. What’s more, the Grand C-Max is roomy inside, with a smart set-up that enables the centre chair in the second row to fold beneath one of the other seats, leaving a space to walk through. I should add, the Grand C-Max Ford loaned me was the Titanium X 2.0 TDCi 150PS Powershift. Basically, I was handed the top of the range version - the one with all the bells and whistles. However, whether you get the entry level or the top level Grand C-Max, its function is the same – it’s a car that’ll hold lots of
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people. Granted, the third row of seats are tucked away for most of the time in the boot floor, and even though they’re only for kids, they’re still very handy. There’s also a ‘normal’ Ford C-Max, which is a spacious five-seater - so don’t feel you must go for the ‘Grand’ version. On test, I didn’t need to use the third row all that much, so the two spare seats often remained where they were. This was no bad thing, as without the third tier of seats in operation, the boot stays big. With the seats up, the load area is only good for about three bags of shopping, but with them down, you can knock yourself out filling it up. Not literally, you understand.
Standard equipment on the Ford Grand C-Max is generous. It includes Ford's Quickclear windscreen, sports-style seats, air conditioning and DAB radio. Upgrade to the flagship Titanium X trim and you get a panoramic sunroof, bi-xenon headlights, a partial leather interior, heated front seats, dual-zone climate control, rear parking sensors, and keyless start and entry. There’s also Ford's Sync 3 infotainment system, with an easy-to-read eightinch touchscreen. But the best thing is that the Grand C-Max is a surprisingly good drive. I say ‘surprising’ because I was a man who used to dislike MPVs because of their apparent dearth of dynamism.
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The 2.0 TDCi 150PS Powershift model is smooth and has lots of low down shove. It works particularly well with the six-speed automatic transmission. In fact, it doesn’t drive like a bus – it behaves just like a decent 2.0 litre turbo diesel car should do. What’s more, it holds the road well, feeling planted on motorways and through twisty sections of tarmac. It’s also got a cheeky punch to it, with the Titanium X 2.0 TDCi 150PS Powershift variant able to do 0-62mph in 10.7 seconds. It’s efficient, too, consistently doing mid to late 40s real-world mpg. So, I’ve got to say, as a dad-of-three, I’m impressed. In fact, I’m seriously considering buying the Ford Grand C-Max now I’ve lived with it for a while. I just might not be able to dig deep enough for the flagship version.
FAST FACTS • Max speed: 124 mph • 0-62 mph: 10.7 secs • Combined mpg: 56.5
• Engine layout: 1997cc 4-cylinder turbo diesel • Max. power (PS): 150 • CO2: 129 g/km • Price: £28,865
PROS ‘N’ CONS • Practical √ • Comfortable √ • Efficient √ • Performance √ • Perceived image X
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Looking out For baby birds spring is a time for nature to come to life; we enjoy longer and brighter days. it’s also the end of hibernation for some and when new young animals are being born. it’s a time for baby birds to start to fledge. So what can you do to help protect these fragile young birds? 1. If it is a nestling bird try to put it back in the nest. 2. If it’s a fledgling bird Leave it alone its parents will be around and will still be feeding it. 3. If it is an injured bird or you are concerned about its welfare, contact a vet for advice. Removing a young bird from the wild will significantly reduce its chances of survival;
Fledglings have all or most of their feathers and leave the nest just before they can fly; Nestlings have few or no feathers and have more than likely fallen from the nest
If you are worried consult your veterinary surgeon.
1 The Crescent, Linthorpe, Middlesbrough, TS56SD 01642 817075 www.middlesbroughvets.co.uk 26
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31/05/2017 16:50:52
Garden View
This month – Take a seat This year I decided to buy an all-weather seat for my garden. Bizarrely I didn’t actually have a permanent place to sit where I could admire my hard work.
structure. It can be as simple or elaborate as you like. Sawn tanalised timbers can be used to make a very simple frame over which you can train a vine or climber. Use galvanised screws and it should last 20 years, providing a delightful place to rest.
There is an art to choosing and placing garden seating. First decide whether you want to sit in full sun, or dappled shade. Watch the path of the sun and make a note of which particular parts of the garden are illuminated at each time of day.
Choose all-weather furniture for ease of use unless you have oodles of storage space for the winter months. Plastic is cheap but can look very tacky. There are some wonderful synthetic wicker style pieces available now though, and excellent metal furniture which requires no care at all. My favourite material is wood though mostly this does require ongoing maintenance. I did discover some rather attractive polystyrene slatted furniture on an aluminium frame which looked remarkably like the real deal. If finances allow you can buy beautiful teak wood furniture which requires very little in the way of after care.
Think about when you will sit in you garden. Will you want to eat breakfast out there? If so pop a seat and little table in a spot which catches the morning sun. If like many of us the only chance you get to sit out is during the evening then look for an area which is bathed in golden light of late afternoon. Would you like to dine out doors in the evening? Can you make room for a table, and would a patio heater be a good investment, so you can make the most of the setting. If the only area you can place a bench is in baking sun then it’s good to place some sort of overhead
Try before you buy! Yes you want your furniture to look wonderful but the most important factor is comfort. Are the seats wide enough? Is there enough back support? Does it come with pads?
Finally, to bring a touch of indoor comfort and style to an outdoor area I discovered outdoor rugs! Yes really. Made from long-lasting material, outdoor rugs can cope with rain or shine. They are made from robust, resistant, easy-care synthetic fibres, which absorb minimal moisture and which dry quickly afterwards. They don’t fade even when exposed to bright sunlight and are cleaned easily by vacuuming, with a broom, or by beating them. I was a sceptic, but I think I’m a convert and bought a little one to place in front of my bench. My dog loves it! By Rachael Leverton
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Plant of the Month Hydrangea
July is when Hydrangea blooms are at their best. A vigorous and hardy plant with numerous varieties, blooms with vibrant colours ranging from white, pink, purple and blue. Many varieties, such as the mop-head, have the unique ability to change colour, adapting to soil type and environment.The colour change is due to the soil pH - those with pink or blue flowers tend to be blue in acid soil and pink in alkaline conditions. White flowers remain white regardless of soil pH. Hydrangeas can be planted in borders or containers but wherever it is planted it will need copious watering. The name roughly translated means “water barrel� alluding to the cup-shaped flowers and need for hydration. Try to use rainwater to water them since mains water can affect bloom colour.
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31/05/2017 16:50:56
These 3 steps will create the
• How can I cut down on the
on and it will take into account that DIY enthusiasts. I now have very little time to look afterproducts it, so here are from somestrimmer’s of the Our range things I will betothinking about: and and chainsaws, dust extractors multitools andI include thison 18v • How can cut down theLXT Miniamount reciprocating saw. I need to of weeding
• How can I avoid spending time holes wood, metal or plastics as oninstaking? well as driving screws. • What will make mowing the lawn less time consuming? Don’t forget its Dayinon the I’ll let you knowFathers what I do the coming months.18th June, so if you looking for the In the past few are months, I have perfect gift for the man about the house give us a call on 01642 604999 or email us enquiries@allenplanthire. co.uk
amount of watering required in foundation on which new Allendesign Plant &theTool Hire the summer? for my garden will be based Allen Plant & Tool Hire is a family run business with over 30 years’ experience in customer service. As a business we specialise in welding and engineering equipment, plant and tools and low level access.
do?
These saws are a multi-purpose hand In addition to this Allen Plant & Tool held tool to cut metal, Hire are the authorized sales and timber and plastic repair service agent for Makita. We materials quickly and can repair and service any Makita efficiently. The cutting tool or accessory, even those models leaves, in their blade has a fast in and out motion, as TheFor more covered information please check that may now be discontinued or unmistakable Geranium ‘fuzz’, may a hand saw but without the effort. out our website www.allenplanthire. obsolete. have a slightly odd smell about co.uk We also stock the new Makita 3.6V them but the burst of colour emitted We also offer great deals on Makita theoffi flowers shoot forth Pencil Screwdriver. A cost effective, fromOur ces arethat based in Stockton equipment and accessories to suit fromand these plants lightweight, battery powered a wide range of customers from openlittle Monday to more Fridaythan 7.30am up for itsSaturdays shortcomings. screwdriver that is perfect for drilling make professionals in specialist trades to to 5pm and 8am to 12pm. These are pretty tough plants and usually grow through any off the odd problems they may get such as late summer mildew or vine weevil ...Setting standards in reliability, value for money and service larvae. Make sure they are planted DIY ACCESS BUILDING GARDENING in good sunlight and protect from cold. Geraniums are happy both as indoor or outdoor plants and as they root easily from cuttings you 01642 604999 | www.allenplanthire.co.uk can keep a good supply of plants ALLEN PLANT AND TOOL HIRE, BOWESFIELD INDUSTRIAL ESTATE, AUTHORISED SALES on the go!
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31/05/2017 16:51:04
Local Middlesbrough Builder Based in Acklam | No Sales Nonsense
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