25 minute read
Business & Professional
Winners’ Corner Contents
CONGRATULATIONS
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Mrs R Shapland from Stanley Common who has won a bottle of Champagne.
Competitions & Puzzles
Prize crossword – Win a 2 course lunch for 2 people at The Queens Head in Little Eaton 6 Champagne Sudoku 61 Children’s Puzzles 82 Friendship Blooms – FREE FLOWERS! 87
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2 Lifestyle 12 Food, Drink, Entertainment 21 Motors 27 Health, Beauty, Fitness 32 Home & Garden 40
CONGRATULATIONS Linda Bakel from Belper who has won a 2 course lunch for 2 Children & Education Community 80 84 people at Angelo’s Bistro at The Kings Head in Duffield. ADVERTISEMENT BOOKING DEADLINE FOR
Advertising Enquiries: Ruth Brown
E: ruth@allthingslocal.co.uk T: 01332 883140 or 07545 261034 W: www.allthingslocal.co.uk
Rental income and self assessment returns submitted at affordable prices
WELCOME LETTER
Hello readers
Well, after a lot of ‘will they, won’t they’, ‘can we, can’t we’, by the time you read this, restrictions may – or may not – have been lifted. I’m writing with crossed fingers (which isn’t easy, let me tell you!) in the hope that the Prime Minister will announce a ‘free pass’ back to life as we once knew it. Hopefully, the vaccine will be working and will have been sufficiently distributed through society to make it safe for us all to once again enjoy our freedom.
As things have slowly eased over the last few months it has been so nice to once again see the local area bustling, businesses reopening and enjoying a thriving trade, and people interacting with one another. It’s the beginning of a return to the vibrant area that we know and love! We’re fortunate to live in such a wonderful, close-knit community with people who support each other and our local businesses. Hopefully this will help the area to bounce back quickly from the past eighteen months of upheaval and uncertainty, emerging stronger and more resilient as a result.
As travel restrictions encourage most people to holiday in the UK rather than abroad this year, we may well be welcoming more visitors to our towns and villages as people enjoy the stunning area that we’re lucky enough to call home … and many of us will be venturing further afield to explore other regions of the UK. Team ATL have been individually enjoying a bit of time away in various locations around Britain recently, from the Northumbrian coast to Whitby, London, and – a little closer to home – the delights of a lodge at Mercia Marina! Well, a break is a break, isn’t it! If you’re looking for somewhere for a nice day out or even an overnight stay without travelling too far, it’s highly recommended.
Of course, you don’t even have to go that far – you can literally ‘holiday at home’ and spend some time enjoying the wonderful local restaurants, pubs, shops, museums, country houses, lakes, waterfalls and walks that are right on our doorstep. From watersports at Carsington Reservoir, to the delights of Chatsworth House and Calke Abbey, the Museum of Making at Derby Silk Mill, Wirksworth’s Heritage Centre or Belper’s own Strutt’s North Mill Museum, there are activities and events to entertain all ages. The new swan boats are happily a-swimming on the Derwent in Belper River Gardens ready for people to ride and, if you turn to page 38, you can follow the route to take a scenic walk from High Peak Junction on Cromford Canal up to Black Rocks where you’ll be rewarded with a stunning panorama of the Derwent Valley. Another way to get a great view of this is from the cable cars at the Heights of Abraham … yet another day out to add to your list! So, if you’ve not been lucky enough to book a trip this summer, don’t worry – a ‘staycation’ at home could be just as much fun.
Talking of luck … if you enter our competitions you could be the lucky winner of a two course meal for two, kindly provided by The Queens Head at Little Eaton, or a bottle of champagne! Now that would make a staycation even more special, wouldn’t it!
Whatever your plans are for the summer, we hope that you have a lovely time – and we’ll see you again in a couple of months. In the meantime take care, and stay safe.
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
131 Alfreton Road, Little Eaton, DE21 5DF (drinks excluded)
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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 18TH AUGUST 2021. All entries are destroyed after the closing date and no information is given to any third party.
Justin & Wayne welcome you to their newly refurbished Queens Head in the heart of Little Eaton village
Lovely outside seating area with some undercover
Serving quality fresh home cooked meals and snacks Mon - Sat 12 - 9 & Sunday lunch 12 - 6 Booking recommended at busy times We are 01332 986065 dog www.thequeensheadlittle-eaton.co.uk friendly! E: hello@thequeensheadlittle-eaton.co.uk The Queens Head, 131 Alfreton Rd, Little Eaton, Derby DE21 5DF
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
Opening times: Monday, Tuesday, Thursday & Friday - 9am to 5.00pm Wednesday 9am to 12pm & Saturday - 9am to 4.00pm
The breakdown of a relationship is difficult. When children are involved it can be challenging. Decisions need to be made regarding where the children will live, how much time they will spend with the other parent, what will happen during school holidays, at Christmas, etc.
Parents are expected to work together and put the best interests of the children first. This is easier said than done. The demise of a relationship rarely occurs overnight. There is generally a build up over time. Children are often aware of hostility in spite of attempts to shield them. It is not uncommon for there to be an alliance with one parent and for a child to be resisting or refusing to spend time with the other parent post-separation. This may be a result of parental alienation. The concept of parental alienation has been around for some time. The Children and Family Court Advisory and Support Service (CAFCASS) say that, while there is no single definition, they recognise parental alienation as “when a child’s resistance or hostility towards one parent is not justified and is the result of psychological manipulation by the other parent.” The indicators can include a parent constantly badmouthing or belittling the other, limiting contact, forbidding discussion about them or creating the impression that the other parent does not love the child. The impact can be devastating for the other parent and also for their extended family.
Business & Professional
Legal Matters: If a child is resistant or refusing to spend time with one parent then prompt action is needed Parental Alienation and consideration may need to be given to making an application to the court. Delay in addressing the issue can lead to a profound and long-lasting impact on the child and in some cases the complete breakdown of the relationship between the child and the parent. When a marriage or a civil partnership breaks down, consideration needs to be given to how the assets of the union are to The real issue is the behaviour of the parents; the court may need to determine the factual matrix before considering the appropriate outcome for the child. Parental alienation behaviours can be be divided. Assets can include the home, deliberate and malicious on the one hand and savings, cars and other valuables but also subtle and hard for an outsider to spot on the pensions. other hand. A nuanced and holistic assessment is needed. The court will then consider whether 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 contact is in the child’s best interests. There are orders the court can make to help the dealt with in one of the following ways: parent rebuild a relationship with the child. In extreme situations if the court finds that parental 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. alienation has caused emotional harm and the primary carer does not understand the damage caused by their actions an order can be made to 2. Pension attachment. This is where a court change the primary carer of the child. 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 If you are experiencing difficulties agreeing arrangements for your child or you feel that to take into account the value of pensions. there may be parental alienation you may
need to speak to a family lawyer.
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 Marcella Kilbane is a solicitor and a Resolution Accredited all cases. Whilst the CETV is important, further Specialist Family Lawyer with information is often needed in terms of benefit particular specialism in private statements so that the full terms of the pension can be considered. children law. Shacklocks LLP offer a free half-hour initial It is important to understand the difference between appointment. Contact different pension types. Some pensions are pots of Marcella at our Ripley Office 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 on 01773 743513 or email marcellak@shacklocks.co.uk. until their death.
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Legal Matters: The difficulty is that the CETV for one scheme might produce completely different pension Breakdown of a Marriage 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 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 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. mystery behind Trusts. The CETV provided by a pension scheme might not be a true representation of the value Trusts are a very well established part of English law, but are generally not available in many European countries. So what are they, and of that pension. In some cases, especially some public sector pensions, the CETV provided can significantly understate the true worth of a pension. how did they come about? There are obviously many different pension Put as simply as possible, a Trust will arise where a schemes in existence. Each will probably be different to the next. It is very important that you person transfers property or assets into the name receive the right advice and that the true value of their chosen Trustees, for the Trustees to hold of each pension is understood and shared fairly. that property or those assets for certain purposes Often it is necessary to involve other experts, and on certain terms, for the benefit of specific for example pension actuaries, who will produce persons or a group of people. comprehensive reports to assist in the division of pension assets. The information given above is To better understand Trusts we can take a look necessarily general and cannot be relied upon in back to the times of the Crusades. Trusts first any particular case. 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. 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.
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 Ben Stubbins benefit.
BUSINESS & PROFESSIONAL
Legal Matters Legal Matters: Shacklocks Solicitors Whilst the idea that someone travelling abroad may leave their property in Trust to be managed Trusts 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 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 future generations. disability or mental capacity issues. A married 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. 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 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. 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 Something that our team will discuss with way. These are all types of Trust. 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 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. 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. Cassandra Worton
Business & Professional
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.
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www.shacklocks.co.uk
Money Matters: Money Matters: Money Matters:
Can You Afford to Take Investment Risk 10 Years of Belper IFS: Our First Decade 10 Years of Belper IFS: Our First Decade vs Can You Afford Not To? 10 years ago, Belper Independent Financial Solutions was formed after its founder (me, 10 years ago, Belper Independent Financial Solutions was formed after its founder (me,
Increasingly, we see patience running out with the banks and building societies offering record low Kevin Glover) was made redundant from The Derbyshire Building Society. Kevin Glover) was made redundant from The Derbyshire Building Society.
interest rates on their cash savings accounts. The Bank of England said the average Cash ISA interest has fallen to 0.4% from 2.2% ten years ago. 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. 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. 2.2% still seems a pittance but such has been the decline in interest rates that a similar rate today would be in huge demand, if it existed. But here is the real issue – inflation. Inflation (as measured by the Consumer Price Index) is currently at 2.1% according to the Office of National Statistics (May 2021). So, what does this mean to you? 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. 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 1983 a loaf of Mother’s Pride would have cost you 28.5p (remember half-pennies?) down at Asda. Today, 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. at Morrisons, the same loaf would be £1.10. From my dining room in 2009, to an office in Heanor, From my dining room in 2009, to an office in Heanor, Who remembers paying less than £1 for a gallon of petrol? back to Belper and now to the present location, much back to Belper and now to the present location, much We have seen significant rises in the cost of living over the years meaning, in reality, cash held over long periods of time will see its value (or purchasing power), diminish. Of course, household income has risen in value too but, as witnessed with the housing market, wage inflation is struggling to keep up with house price inflation. For those relying on their savings to generate their revenue, it is 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. 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. especially challenging. What about you – what has changed in your lives over What about you – what has changed in your lives over What are your options to make your money hopefully grow and beat inflation so as to protect the future purchasing power? the last 10 years? How many jobs have you had? Has your family extended or tragedy struck? How many 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 times have you moved house? How many pension Maybe it means that you have to be prepared and be able to schemes have you been a member of and simply left, schemes have you been a member of and simply left, take some additional investment risk. through one reason or another? How many cars, through one reason or another? How many cars, Firstly, you need to be able to afford to invest over the partners and other life events have occurred? partners and other life events have occurred? longer term for optimum potential returns, so ideally in excess of 5 years. 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
There are lots of risks, some of which are big and some of which are smaller but they can nevertheless still impact your that the need for financial advice and a solution should that the need for financial advice and a solution should capital. Investing means being prepared to put some, or not be seen as a one-off. Financial products and solutions not be seen as a one-off. Financial products and solutions all, of your capital at risk of loss. You need to consider were probably right at the time, but just how much has were probably right at the time, but just how much has how much you could afford to lose as well as how much you could gain. Can you afford losses? If your investment changed since their inception? changed since their inception? actually realised a loss of 20%, how would that impact you? Would it be something you could absorb or would it seem catastrophic? 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 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 Spreading money around into different investments dilutes some of the risk. But risks can come from the general market conditions, legislation, currency, timing (when you invest in the market cycle, remembering economic growth and recession are cyclical), amongst other considerations. 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. 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. Remember that property also fluctuates in value too and this also introduces liquidity risk, i.e. the ability to get access to In April 2015, pension regulations changed. They will In April 2015, pension regulations changed. They will your investment in the future. almost certainly change again. Pensions from prior to almost certainly change again. Pensions from prior to Emotional risk can also be significant – acting spontaneously in the wrong way because of our fears needs to be considered. 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 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 Investment returns are not guaranteed which means past review. review. performance is not necessarily a reflection of future returns. Is 2020 the time to take a look at your financial Is 2020 the time to take a look at your financial The investment journey can be very bumpy or lessened by taking lesser risks and reducing exposure to higher risk arrangements once again and get them fit for purpose? arrangements once again and get them fit for purpose? assets, such as emerging market shares for example. So taking risks, (including the inevitable inflation risk from Wishing you a happy 2020 and a prosperous next 10 Wishing you a happy 2020 and a prosperous next 10 doing nothing), can have a significant impact on your savings. years. 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 This information is general only and is not intended to This information is general only and is not intended to address your particular requirements. The data above should address your particular requirements. The data above should address your particular requirements. The data above should not be relied upon in its entirety and shall not be deemed to be not be relied upon in its entirety and shall not be deemed not be relied upon in its entirety and shall not be deemed 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. 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 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. particular situation.
10 Chapel Street Belper DE56 1AR 10 Chapel Street Belper DE56 1AR
