Business & Professional

Winners’ Corner

CONGRATULATIONS

Adele Shaw from Kilburn who has won a bottle of Champagne – Adele is pictured with her daughter Leila (age 10). Leila actually completed the Sudoku puzzle for her mum, so ‘Team ATL’ decided to make things fair and we treated her to some chocolate for helping her mum to win the Champagne!

CONGRATULATIONS

Peter White from Horsley Woodhouse who has won a 2 course takeaway meal for 2 people from Anila Indian Restaurant in Ambergate.

Contents

Competitions & Puzzles

Prize crossword – Win a takeaway Afternoon Tea for 2 people from Morley Hayes Champagne Sudoku

6 62 Children’s Puzzles 74 Friendship Blooms – FREE FLOWERS! 79

Business & Professional

2 Lifestyle 12 Food, Drink, Entertainment 17 Motors 21 Health, Beauty, Fitness 27 Home & Garden 36 Children & Education 74 Community 78

ADVERTISEMENT BOOKING DEADLINE FOR JUNE / JULY 2021 IS WEDNESDAY 21 APRIL 2021.

Advertising Enquiries: Ruth Brown

E: ruth@allthingslocal.co.uk T: 01332 883140 or 07545 261034 W: www.allthingslocal.co.uk

DO YOU NEED OUR HELP?

We are here if you need us

THE PET SERVANT

at your bark and call

Dog Walks • Pet Sits & Visits DBS checked • Insured Canine First Aider Dogs, Cats, Hens & most pets

Pet Portraits too!

Fiona 07488 392162

PLEASE QUOTE LOCAL10 FOR 10% OFF Home Visiting Vet

01773 302220 www.vetcarehome.co.uk

WELCOME LETTER

Hello readers

Well, finally spring is here and there’s a definite feeling of positivity in the air! The daffs are blooming, leaves are appearing on the trees, the air is warmer, and everything is looking a little brighter.

Almost a year on from when life first went a little ‘wonky’, shall we say, it’s beginning to look like the end may be in sight. It’s been a very long and dark tunnel but, with the vaccine being rolled out successfully in the UK and in many other countries across the globe, we can see a glimmer of light. The national effort in getting the vaccines out has been phenomenal, with vast numbers of NHS workers, army personnel and volunteers all giving their time to help fight this pandemic. The amount of people who’ve stepped up, given their halo a polish, and done all sorts of wonderful things to help others over this last twelve months has been truly inspiring. There are many heart-warming tales of how people have come together in mutual support, despite being kept apart physically; these will no doubt be remembered for years to come as the positive side of this whole terrible situation.

Of course, we now have the Government’s ‘roadmap’ out of lockdown and, hopefully, back to some semblance of normality – businesses are preparing for gradual and staggered reopening and families and friends are looking forward to being reunited. At present, the focus is on that ‘magic’ date of 21st June when, if all goes according to plan and the figures suggest it’s safe to do so, the limits on social contact will be removed and we can once again socialise freely. There will no doubt be a LOT of hugging going on that day! What an emotional time it will be – over this past year we truly have realised the value of our friends, families and freedom.

It goes without saying that as we gradually emerge from this situation our local businesses will need your support more than ever. Let’s show them how much we’ve missed them and help our local economy to come back even stronger! Well done, and thanks, to all the local businesses who’ve managed to survive through this, often adapting their services and working hard to bring us, their customers, what we’ve wanted and needed throughout this trying time.

One such business is Morley Hayes Hotel which, like many others in the hospitality industry, began to offer takeaways. They are kindly gifting a takeaway afternoon tea for two to the winner of this issue’s Prize Crossword. Turn to page 6 for your chance of winning this delicious treat. There’s also a chance to win a bottle of Champagne with our Champagne Sudoku on page 62. Hopefully soon you’ll have a great reason to pop that cork and share your prize with friends!

As ever, thank you for reading and supporting All Things Local, your totally independent community magazine. Take care, and we’ll see you again in two months’ time with our June/July issue when hopefully things will be in an even better place!

All the best,

Team ATL

Pictured l to r: Karyn Milner (Publisher/Editor), Ruth Brown (Advertising Sales), Helen Young (Editorial Copywriter & Coordinator)

Advertising Enquiries: Ruth Brown

E: ruth@allthingslocal.co.uk T: 01332 883140 or 07545 261034 W: www.allthingslocal.co.uk

AllThingsLocalMagazines

Win a Takeaway Afternoon Tea for Two from Morley Hayes Hotel, Main Road, Morley DE7 6DG.

1 2 3 4 5 6 7

8

10

13 14 15

16 12

Across

1 Jewels (4) 3 Allowed in (8) 9 Worried (7) 10 Annoy (5) 11 Fading away (12) 13 Deny (6) 15 Interfere (6) 17 Directions (12) 20 Ships load (5) 21 Vital part of healthy diet (7) 22 Enjoyed (8) 23 Repair (4)

17

20 21 18

23

Down

1 Protecting (8) 2 Blends (5) 4 Dismiss (6) 5 Crossroad (12) 6 Taught (7) 7 Deceased (4) 8 Contests (12) 12 Flavoured (8) 14 Army rank (7) 16 Flexible (6) 18 Overweight (5) 19 Mark left by wound (4)

Just complete the simple crossword, cut out and return to: Prize Crossword, All Things Local, 74 Woodhouse Road, Kilburn, Belper, Derbyshire DE56 0NA. Remember to provide your name, address and telephone number. Closing date: WEDNESDAY 14TH APRIL 2021. All entries are destroyed after the closing date and no information is given to any third party.

Rental income and self assessment returns submitted at affordable prices

Or RING FOR FREE HOME SELECTION

Supply and fitting of all Domestic and Contract Carpets Supply and fitting of Domestic and Contract Vinyls Supply and fitting of Real Wood and Laminate Floorings Supply and fitting of Karndean Floorings Supply and fitting of Sisal and Natural Floorings

We Offer: • Guaranteed Workmanship (following BS5325 & TSI approved code of practice) • Free Fitting Service • Free Estimating and Measuring • Free Disposal of old carpet and floorings • Free Moving & Replacement of Furniture • Trimming of doors • Insurance work undertaken & free Insurance quotes

FOLLOWING GOVERNMENT GUIDELINES WE ARE OPENING ON APRIL 12TH

Opening times: Monday, Tuesday, Thursday & Friday - 9am to 5.00pm Wednesday 9am to 12pm & Saturday - 9am to 4.00pm

Business & Professional Business & ProfessionalBUSINESS & PROFESSIONAL Legal Matters Business & Professional On the 23rd of March 2020 the country went into “lockdown” for the first time and the lives of the vast majority of us changed overnight. Children were home-schooled, the dining room became the office and non-essential shops were shut. House moves were halted, weddings were postponed or cancelled and our social lives became non-existent. Weeks became months and the seasons passed by. Little did we know that almost one year later we would still be living under lockdown and while the vaccine rollout is very welcome our lives are not going to return to anything resembling the normal we once knew any time soon. With more time spent at home it is inevitable that some relationships have come under strain. Add to that the loss of loved ones, redundancies, financial worries, no time out for yourself, only virtual access to relationship support services and you have the perfect storm. Citizens Advice has found views on its divorce webpage on the first weekend in September 2020 had increased by 25% compared with the same weekend in 2019. The Ministry of Justice reported that private children law applications were up 8% in the period July to September 2020 compared to the same quarter last year and financial remedy applications went up by 4%. Lockdown of some form or other is here to stay for the foreseeable future but you don’t have to be stuck in limbo. If you feel your relationship Legal Matters: Lockdown Limbo When a marriage or a civil partnership breaks down, consideration needs to be given to how the assets of the union are to be divided. Assets can include the home, savings, cars and other valuables but also pensions. Indeed the pensions can be the most valuable asset and care has to be exercised in how they are treated and how they are divided. Usually, pensions are dealt with in one of the following ways: 1. Pension sharing. This is where one pension is divided to create essentially two pensions, a reduced pension for the member of the pension scheme and a new pension for the other person. 2. Pension attachment. This is where a court makes an order directing that some of the pension payable to one person is paid to the other. 3. Offsetting. This is where the pensions are left untouched but the share of other assets are adjusted to take into account the value of pensions. Before you even think about dealing with pensions you need to know their value. The starting point is often the provision of a Cash Equivalent Transfer Value (“CETV”). This needs to be provided in all cases. Whilst the CETV is important, further information is often needed in terms of benefit statements so that the full terms of the pension can be considered. It is important to understand the difference between different pension types. Some pensions are pots of money which can sometimes be converted into cash (subject to tax). Other pensions simply give a person the right to receive an income from a particular date until their death. Legal Matters: Breakdown of a Marriage or Civil Partnership: Dividing the Pensions Cassandra Worton, Partner with Shacklocks LLP and a member of the Society of Trust and Estate Practitioners, explains some of the mystery behind Trusts. Trusts are a very well established part of English law, but are generally not available in many European countries. So what are they, and how did they come about? Put as simply as possible, a Trust will arise where a person transfers property or assets into the name of their chosen Trustees, for the Trustees to hold that property or those assets for certain purposes and on certain terms, for the benefit of specific persons or a group of people. To better understand Trusts we can take a look back to the times of the Crusades. Trusts first began to take shape in medieval England when men were travelling abroad to join the Crusades. They would transfer their property to a trusted friend for them to look after, manage and protect until their return, which may not be for many years. The moral obligation imposed on the friend is one of the earliest forms of a Trust, which over the centuries has become embedded in our legal system. If we fast forward to the present day, the reasons to use a Trust are broadly the same as in medieval England; there are different types of Trusts and there are many different types of situations which may create Trusts. Trusts may be set up in a lifetime, or through a Will following death. Trusts may provide circumstances in which beneficiaries will become absolutely entitled to the Trust Fund, or they may provide flexibility by allowing for discretion to be exercised as to who should benefit. Legal Matters: Trusts Shacklocks Solicitors In each edition legal advisors from Shacklocks deal with important legal topics. This month Marion Vesey (pictured) invites us to think about making a decision that will benefit future generations. Making a Will is a serious business. It is a time which gives many people cause to stop and think about how they want to be remembered when they are gone. Many people are attracted by the idea of doing something to help others less fortunate than themselves after they pass away, particularly if their family are adequately provided for or if they have no close family. Whilst some still like the idea of supporting major national charities, there are many who prefer to benefit more local causes or causes close to their heart, possibly where they have had a personal involvement or received support during their lifetime. Something that our team will discuss with clients in this situation is the idea of setting up their own charitable trust which can continue to provide support for charitable causes of their choosing long after they have passed away. Creating your own charity means that your trustees can provide support to those who need help most. There can be a great sense of satisfaction in knowing that your trustees will carry out your wishes after you have gone and that your name will be associated with such good deeds even after you are no longer around. At Shacklocks we have set up a number of charitable trusts over the 150 years or so we have been in business and we still look after those trusts today. One of the charitable trusts we look after, for example, was established by a will in the 1940’s to provide accommodation for elderly residents. is at breaking point it is important to find out what your options are, as the steps you take now can affect the ultimate determination of financial matters and/or arrangements for your children. You may be considering a divorce or you might want your partner to move out of your house. You may have waited to see how the pandemic panned out before you looked at resolving financial matters. You may be struggling to agree arrangements for your children with your ex. You may have a court order which is not being adhered to and you don’t know where to turn. If you have a Family Law problem you need the right advice and the search bar on your computer is unlikely to do you justice. The Family Team at Shacklocks have worked continuously throughout the pandemic. We have adapted to the changes that the crisis has brought to our door and embraced a new way of providing our important service to our clients. The days of waiting around outside the courtroom are all but gone. Remote court hearings have become our new normal. This has led to a more efficient use of the practitioner’s time but if you do not have representation you may struggle to understand what is happening. We are here to help guide you through these tough times. Marcella Kilbane Shacklocks LLP offer a free half hour telephone appointment to new family clients. Contact Ben Stubbins on 01773 822333 or bens@shacklocks.co.uk or Marcella Kilbane on 01773 743513 or marcellak@shacklocks.co.uk. The difficulty is that the CETV for one scheme might produce completely different pension benefits to the CETV in another scheme. You might share a particular pension equally but the reality in terms of what you might each receive in your pocket could be significantly different. The court is generally concerned about the effect of a pension sharing order, especially when people might have been together for a long time. The CETV provided by a pension scheme might not be a true representation of the value of that pension. In some cases, especially some public sector pensions, the CETV provided can significantly understate the true worth of a pension. There are obviously many different pension schemes in existence. Each will probably be different to the next. It is very important that you receive the right advice and that the true value of each pension is understood and shared fairly. Often it is necessary to involve other experts, for example pension actuaries, who will produce comprehensive reports to assist in the division of pension assets. The information given above is necessarily general and cannot be relied upon in any particular case. At Shacklocks LLP we are committed to helping you to understand the true worth of pensions and to help you receive a fair financial settlement which will meet your needs. Shacklocks LLP family law team are currently offering all new clients an initial free half hour appointment. To find out more, contact Ben Stubbins and his team on 01773 822333 or email bens@shacklocks.co.uk. Ben Stubbins Whilst the idea that someone travelling abroad may leave their property in Trust to be managed whilst they are away is still very useful today, Trusts may be used closer to home to protect and manage property or money in other circumstances too. For example, a parent may set up a Trust in their lifetime or through their Will for a child, or for an adult son or daughter who is not able to manage their own affairs perhaps because of disability or mental capacity issues. A married person may provide in their Will for their surviving spouse to have a life interest in their half of the family home thereby protecting that half of the home for the next generation. A Trust may be used where someone receives damages as a result of a personal injury or clinical negligence claim. A couple may set up a Trust to keep their family assets in the bloodline in case of changes in family and marital arrangements which may take the assets out of the family, or someone with a second family may set up a Trust to make special arrangements for their two families. A person with Charitable intentions may set up a Trust in their lifetime or on death for the benefit of those who they particularly wish to help in the future, and by doing so leave a lasting legacy: many of the charities we see now may have been set up in this way. These are all types of Trust. Shacklocks LLP have been dealing with Trusts for many years, though not quite as far back as the Crusades! If you would like to know more about Trusts and how they may be of help in your circumstances contact Cassandra Worton or Richard Farmer at Shacklocks LLP on 01773 822333 or 01623 626141 or email cassandraw@shacklocks.co.uk or richardf@shacklocks.co.uk. Cassandra Worton 70 years later the trust is still providing that accommodation. Another of the trusts we look after was set up by a client who wanted to help people with particular medical conditions. Her kindness has enabled her trustees to provide financial support to a gifted young musician who has experienced a number of health issues that have interfered with her education, to enable that child to be educated in the most appropriate environment. A Charitable Trust can be set up either during your lifetime with savings and investments built up already, or alternatively through a specially prepared Will that will only take effect following your death and will therefore not deprive you of capital or income during your lifetime. Our team at Shacklocks have a particular speciality in preparing arrangements of this kind and also of acting as professional trustees to enable wishes to be fulfilled and instructions to be followed. If you are thinking of supporting charities through your Will or during your lifetime with a lump sum, why not talk to us about the different ways in which we can help you benefit those good causes, and how to make the most of the tax rules that enable a charitable cause to benefit. Call us at Shacklocks to talk about how we can help you to help your favourite local causes. Telephone Shacklocks on 0845 602 2344 or email me at marionv@shacklocks.co.uk.

[knowledge+application]

www.shacklocks.co.uk

Money Matters: Money Matters: Money Matters:

Loving the Chancellor More Than Your 10 Years of Belper IFS: Our First Decade 10 Years of Belper IFS: Our First Decade The quote “Inheritance Tax is a voluntary levy paid by those who distrust their heirs more than they dislike the Inland Revenue” was attributed to a former Chancellor – Roy Jenkins. As difficult a job as the current Chancellor has, there are legitimate tax planning options to avoid paying such taxes if you plan to mitigate for them in a timely way. So, I guess this is about how we pass things on to our beneficiaries: whether financial matters, wisdom or just being socially responsible for the world we live in! Own Family? 10 years ago, Belper Independent Financial Solutions was formed after its founder (me, Kevin Glover) was made redundant from The Derbyshire Building Society. Since then, Belper has seen the loss of The Derbyshire, Woolworths, Somerfield, Thomas Cook and Britannia Building Society to name but a few long-standing institutions that are now confined to history. Generations of people have been served or been customers of these organisations. You are probably one. State Pension Age has changed several times and will most likely do so again. At least interest rates have not changed much! Rubbish then and not much better today. 10 years ago, Belper Independent Financial Solutions was formed after its founder (me, Kevin Glover) was made redundant from The Derbyshire Building Society. Since then, Belper has seen the loss of The Derbyshire, Woolworths, Somerfield, Thomas Cook and Britannia Building Society to name but a few long-standing institutions that are now confined to history. Generations of people have been served or been customers of these organisations. You are probably one. State Pension Age has changed several times and will most likely do so again. At least interest rates have not changed much! Rubbish then and not much better today. In the 19/20 tax year, HMRC raised £5.2 billion in taxes. Arguably the country needs this tax revenue more than ever. Some would say IHT is an unfair tax, invariably Consider this – joining the EU was considered the right decision once upon a time. Consider this – joining the EU was considered the right decision once upon a time. paying tax on items (your Estate) that has been created mainly by funds taxed many times previously as the Estate was created. Everyone has a tax-free allowance called the Nil Rate Band. It is currently £325,000 (or £650,000 for a married couple or civil partners when taken together), and will increase in line with inflation from April 2021 assuming no changes in policy from the incumbent From my dining room in 2009, to an office in Heanor, back to Belper and now to the present location, much has changed including the greyness of my hair and the size of my waistline! Now as a team of 8 we have seen the client base expand over the years. ‘Generous’ successive Chancellors introduce new legislation impacting the public and signposting the need for financial advice. From my dining room in 2009, to an office in Heanor, back to Belper and now to the present location, much has changed including the greyness of my hair and the size of my waistline! Now as a team of 8 we have seen the client base expand over the years. ‘Generous’ successive Chancellors introduce new legislation impacting the public and signposting the need for financial advice. Chancellor as I write this. Alongside the NRB, the Residential Nil Rate Band provides an additional tax-free allowance of £175,000 (or £350,000 for a married couple or civil partners when taken together), when the Estate includes a family home that is passed to linear dependents. No children means no RNRB! Estates above these allowances could be subject to a 40% tax bill on the excess. What about you – what has changed in your lives over the last 10 years? How many jobs have you had? Has your family extended or tragedy struck? How many times have you moved house? How many pension schemes have you been a member of and simply left, through one reason or another? How many cars, partners and other life events have occurred? What about you – what has changed in your lives over the last 10 years? How many jobs have you had? Has your family extended or tragedy struck? How many times have you moved house? How many pension schemes have you been a member of and simply left, through one reason or another? How many cars, partners and other life events have occurred? There are processes that can reduce the impact of IHT: Gifting and Trusts – certain gifts can be made that allow How many investments have you made and when were they last reviewed and looked at? My point is How many investments have you made and when were they last reviewed and looked at? My point is the reduction of the taxable Estate, such as Annual Allowances of £3,000 per annum as one example. Trusts can be established too that can remove assets from an Estate pre-death, which can also help. Trusts can be highly complex and so can Gifts, as in almost all cases such that the need for financial advice and a solution should not be seen as a one-off. Financial products and solutions were probably right at the time, but just how much has changed since their inception? that the need for financial advice and a solution should not be seen as a one-off. Financial products and solutions were probably right at the time, but just how much has changed since their inception? transfers of wealth would mean losing control by the donor making the gifts. (You cannot simply gift away and retain the benefits in many cases). Trusts can create other types of tax implications too as an unintended consequence of trying to alleviate IHT. Most sizeable gifts, (above the allowances), typically take 7 years before they are fully exempt from IHT. Have you got the 7 years and do you want to lose some or complete control over the assets? Investing in shares that qualify for Business Relief: in Investment funds (whether held in pension wrappers or alternative structures such as Stocks and Shares ISAs), are mostly run by fund managers who are also human beings. As humans they may retire, defect to other companies, or run out of luck! Solutions that may have been right at the start may no longer be suitable or effective. Leading fund managers in 2009 may no longer be leading fund managers as we approach 2020. Investment funds (whether held in pension wrappers or alternative structures such as Stocks and Shares ISAs), are mostly run by fund managers who are also human beings. As humans they may retire, defect to other companies, or run out of luck! Solutions that may have been right at the start may no longer be suitable or effective. Leading fund managers in 2009 may no longer be leading fund managers as we approach 2020. 1976 legislation was passed that meant ownership of shares in certain types of trading companies can qualify for Business Relief if held for at least 2 years at the time of death. This enables you to retain control and access of the shares. However, shares represent higher risk and share values can rise and fall and the company whose shares you hold may go bust. Financial solutions exist that enable investors to buy such shares in a pooled manner In April 2015, pension regulations changed. They will almost certainly change again. Pensions from prior to this time may no longer be suitable – but just how would you know? So, as you sit munching your turkey over the festive period, consider how many of these questions apply to you and see what may benefit from having a review. In April 2015, pension regulations changed. They will almost certainly change again. Pensions from prior to this time may no longer be suitable – but just how would you know? So, as you sit munching your turkey over the festive period, consider how many of these questions apply to you and see what may benefit from having a review. to reduce the exposure of ownership by spreading the money around many companies rather than one. Can you afford to wait? Do you wish to act and do Is 2020 the time to take a look at your financial arrangements once again and get them fit for purpose? Is 2020 the time to take a look at your financial arrangements once again and get them fit for purpose? something about it? After all, IHT is a voluntary tax which can be avoided completely. Another reason to have a look at your own Estate maybe? Wishing you a happy 2020 and a prosperous next 10 years. Wishing you a happy 2020 and a prosperous next 10 years.

By Kevin Glover, Belper IFS By Kevin Glover, Belper IFS By Kevin Glover, Belper IFS

This information is general only and is not intended to address your particular requirements. The data above should not be relied upon in its entirety and shall not be deemed to be or constitute advice. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. This information is general only and is not intended to address your particular requirements. The data above should not be relied upon in its entirety and shall not be deemed to be or constitute advice. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. This information is general only and is not intended to address your particular requirements. The data above should not be relied upon in its entirety and shall not be deemed to be or constitute advice. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation.

10 Chapel Street Belper DE56 1AR 10 Chapel Street Belper DE56 1AR

Ironing service

including collection and delivery just £1.60 per lb

Weekly, fortnightly or just to empty the basket References available

Please call Jenny 07855 387042 perfectlypressed-horsley.co.uk

The Cleaning Lady Friendly • Reliable • Trustworthy

Regular cleans (minimum 2 hours) Deep cleaning • One off cleans Spring cleaning service • Domestic cleans End of tenancy cleaning • Internal window clean Fully Insured • DBS checked Ironing Services - Free collection/delivery (subject to distance) All my services can be tailored to your requirements Please don't hesitate to call or text Suzanne 07545 378 264

E: suzanneredshaw@hotmail.co.uk The Cleaning lady

I like All Things Local magazine because…..

It is a fantastic way to hear about good local services and trades people in the Belper area.

J.B from Belper

To advertise contact Ruth: T: 01332 883140 M: 07545 261034 E: ruth@allthingslocal.co.uk

Just a Thought...

Beauty and the Feast

I want to confess something to you, Dear Readers, as I feel we have earned this level of transparency: we ate chocolate Santas for breakfast.

There, I said it. It happened. As myself and my two children found ourselves, once again, Living La Vida Lockdown and I broke the news that school was, once again, on hold for the foreseeable, a certain melancholy descended. Much like a cold cup of cabbage soup it filled us with a sense of limited freedoms.

My son, who tends to be hungry at any given time of the day, opened the cupboard. Like a shiny, foiled, frilled beacon of joy – there they were.

Left over from Christmas, the chocolate Santas beckoned us to replace our Weetabix and fruit with their nutritionally void yet soul fulfilling joy for our breakfast of choice. The mother in me internally cried ‘No – it’ll be wearing pyjamas until noon next’, but the human in me actually said, ‘Let’s do it!’ So we did. Do you know, the beauty in that letting go of all expectations just for a moment was truly liberating. Peeling the shiny cover off and inhaling the aroma of our decadent morning fayre was frivolously fabulous. The kids chomped through theirs in under 2 minutes, while I savoured the sense of sagacity that this small action had afforded me. I learned that these are not normal times, and the usual rules can be relaxed, perhaps even broken in the name of mental wellbeing. We need to hold ourselves accountable, yes, but we also need to allow ourselves some of the few freedoms that remain in this most uncertain of times.

Speaking of time it is nearly lunch… so I should probably get changed out of these PJ’s! Stay safe and well and give yourselves a well-earned break.

By Fliss Goldsmith of Belper