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Business & Professional
Winners’ Corner Contents
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Holly Floyd from Ripley who has won a bottle of Champagne.
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Mrs R Shapland from Stanley Common who has won a 2 Course Sunday lunch for 2 people at The Spotted Cow in Holbrook.
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Prize crossword – Win a Weekend Away for Two at The Derby Hotel in Blackpool – worth over £300! 6
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Hello readers
Welcome to the festive issue of All Things Local – as we prepare to say goodbye to 2022 and move into the New Year! Well, it’s been quite an eventful couple of months since we last wrote…
Firstly, we’d like to express our sadness on the passing of Her Majesty Queen Elizabeth II. The Queen passed away shortly after our last issue went to print and it wouldn’t seem right not to talk about and pay our respects to our wonderful monarch of the last 70 years.
By the time you read this, it would be safe to say that millions of words have been written and spoken about Her Majesty’s life. Every news outlet will have published obituaries and tributes. It is not necessary for us to further recount the facts, but we would like to share our personal thoughts.
Like every community magazine publisher in the UK, we’ve never known any other Head of State. Every stamp and coin we’ve ever used featured Her Majesty’s profile; every post box we’ve dropped issues of ATL into is embossed with the ‘EIIR’ cypher and every state opening of Parliament during our lifetime (except 2022) was attended by the Queen.
Then, there are the thousands of personal appearances. We were lucky enough to see her in person at Chatsworth a number of years ago, which is an experience we’ll never forget. From opening buildings and bridges, diplomatic meetings at home and overseas, awarding honours and of course her own Jubilee celebrations, the Queen’s presence was filmed, photographed and documented. This omnipresence made her part of everybody’s lives.
Throughout it all, Her Majesty conducted herself with a particularly British dignity. She may have had strong opinions, but they were never publicly expressed. There were no emotional outbursts, and she never gave a personal interview. The tolerance and patience shown for the last 70 years is an example to us all. At a time of considerable turmoil in the world, it is no wonder that there is such sadness at the loss of Her Majesty’s constancy. Thank you Ma’am.
This winter is likely to be very difficult for many, as we face rising inflation, escalating energy prices and a cost of living crisis. As Christmas approaches it’s a worrying time, but we would urge you to consider shopping local to do all you can to support our local businesses. Putting your hard-earned money directly back into the local economy will enable your £s to work hardest and make a real difference. The multi-national, faceless corporations will survive without it but our local businesses may not! And, of course, after the last couple of lonely lockdown Christmases let’s not focus on material gifts but on the things that really matter, which all come for free – like spending time with friends and loved ones and making memories. No-one can put a price on that!
We’ve got an extra special crossword prize for you this issue – turn to page 6 for your chance to win a half-board weekend away in Blackpool for 2 people, worth over £300, thanks to the generosity of Ivan and Tim at the Derby Hotel! It’s definitely worth the challenge of finding those words! And, to add some extra sparkle to your Christmas, why not try your luck at our Champagne Sudoku competition on page 35? You’ve got to be in it to win it, so get your entries in before 13th December!
We’ll be back in a couple of months but, in the meantime, we wish all our readers and advertisers a very merry Christmas and a happy, healthy New Year! May 2023 bring you good times.
With very best wishes,
Team ATL
Pictured l to r: Karyn Milner (Publisher/Editor), Ruth Brown (Advertising Sales), Helen Young (Editorial Copywriter & Coordinator)
Advertising Enquiries: Ruth Brown
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Fabulous prize! Win a weekend for 2 people (Friday to Monday) at the Derby Hotel in Blackpool, worth over £300! Half board accommodation with en suite and a bottle of bubbly in the room. Prize can be taken any time in 2023 (excluding Easter, Whitsun,
Christmas and New Year). For info see thederbyhotel.co.uk
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7 A red fruit (6) 8 On every side (6) 9 Deceased (4) 10 Hold back (8) 11 Sprinkle (7) 13 Weeps (5) 15 Concerning (5) 17 Farewell (4-3) 20 Acquainted (8) 21 Require (4) 23 Disclose (6) 24 Thick, oily substance (6)
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1 Finished (4) 2 Outlaw (6) 3 Expedition (7) 4 Severe (5) 5 Terror (6) 6 Completely (8) 12 Green vegetables (8) 14 Bravery (7) 16 Allied (6) 18 Beast of burden (6) 19 Feminine (5) 22 Simple (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: Tuesday 13th December 2022. All entries are destroyed after the closing date and no information is given to any third party.
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Please call 01253 623708 and for any other bookings. We offer the best prices in Blackpool. www.thederbyhotel.co.uk
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The breakdown of a relationship is difficult. When a child is involved, it can be even more challenging. Decisions need to be made regarding where the child will live, how much time they will spend with the other parent, which school the child will attend, etc.
It is usual now for both parents to have parental responsibility for a child. What this means is that the parents are responsible for making the important decisions such as education, religion and medical care. Parental responsibility also enables a parent to make day-to-day decisions in relation to nutrition, recreation, etc. It is possible for one parent to make a decision for a child without consulting the other parent (subject to some exceptions). It would be far too onerous for one parent to consult the other parent regarding every meal the child has, for example. For the bigger decisions such as schooling, medical treatment, relocation within the UK, while it is possible for one parent to act unilaterally it is generally better to have a conversation with the other parent and make a decision which is in the best interests of the child. This may not be possible, however. One parent may hold a completely different view to the other parent on what they feel is best. What happens if you cannot agree? Do you have to go to court? There is a requirement, (with some exceptions), to attend a mediation information and assessment meeting before you make an application to the court.
Business & Professional
Legal Matters: If both parents are willing to engage in the mediation process, then the mediator may be able to help the parents reach an agreement. Decisions, Decisions For some decisions there is no room for compromise and with time often being of the essence for a decision an application to the court is the only option. A parent can ask the court for a Specific Issue Order i.e. asking the court to determine the specific question When a marriage or a civil partnership breaks down, consideration needs to be that has arisen, or a parent can ask the court for a Prohibited Steps Order i.e. preventing the other parent exercising parental responsibility on a particular given to how the assets of the union are to matter.
be divided. Assets can include the home,
savings, cars and other valuables but also When the court considers the question of the child’s pensions. upbringing, the court’s paramount consideration will be the child’s welfare. The court will take into Indeed the pensions can be the most valuable asset account a number of factors from a “Welfare and care has to be exercised in how they are treated Checklist” including the ascertainable wishes and and how they are divided. Usually, pensions are feelings of the child, the child’s characteristics, dealt with in one of the following ways: the likely effect on the child of any change in circumstances, any harm which the child is at risk of 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. suffering, the child’s needs and how capable relevant persons are of meeting those needs. The court has various powers available when making the Order. 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. If you are experiencing difficulties regarding decisions 3. Offsetting. This is where the pensions are left for your child you may need untouched but the share of other assets are adjusted to speak to a family lawyer. to take into account the value of pensions. Shacklocks LLP offer a free
half hour initial appointment
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 with Marcella Kilbane. Marcella is a qualified solicitor and a Resolution Accredited Specialist Family Lawyer, with particular specialism in private children law. Contact statements so that the full terms of the pension Marcella on 01773 743513 or email can be considered. marcellak@shacklocks.co.uk. It is important to understand the difference between different pension types. Some pensions are pots of money which can sometimes be converted into cash The information in this article is for general guidance only and no reliance should be placed upon it. (subject to tax). Other pensions simply give a person the right to receive an income from a particular date until their death.
Business & Professional
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:
Reasons to be Fearful Parts 10 Years of Belper IFS: Our First Decade10 Years of Belper IFS: Our First Decade Well, as I write this article we are in the midst of yet more turmoil. Some of you may remember a song with a similar title to the above? The last 5 years have been an incredible rollercoaster of politics, pandemics and policy. We have had new governments, new Chancellors and Prime Ministers. By the time you read this we could have had more! 1, 2 and 3! (and 4, 5, 6!) 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 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 Fear is running rife at the moment, of course fanned by the media, but also some incredible behaviour from public not changed much! Rubbish then and not much better today. will most likely do so again. At least interest rates have not changed much! Rubbish then and not much better today. authorities that we should expect more from. (The more we expect, the more we get disappointed resonates). Consider this – joining the EU was considered the right decision once upon a time. Consider this – joining the EU was considered the right The turmoil is not exclusive to the UK though. Inflation post-Covid, exacerbated by the sanctions placed on Russia and supply chain issues mean we see governments all around the world trying to combat the rising costs and all agree inflation should be something kept under tight control. But there is not an easy solution and certainly it brings other consequences. Historically, central banks control inflation by raising interest rates to curb spending which leads to inflation. This is now happening across the globe. We see various organisations (usually trade unions) naturally seeking higher wage rises to compensate for the increase in living costs. Unsatisfactory wage increases lead to the inevitable strikes and industrial action. Ironically, the consequence of compensating with a ‘successful’ wage increase only adds to fuel increasing inflation and so the cycle continues. One feeds the other. Putting up interest rates is disliked by mortgage holders and businesses as costs of borrowing for growth and expansion increase and 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. 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? How many investments have you made and when decision once upon a time. 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. 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? uncertainty spreads. were they last reviewed and looked at? How many investments have you made Myandpoint is when were they last reviewed and looked at? My point is
Markets fall as likely earnings for companies reduce and market forces mean a sell off leading to lower asset prices whether shares, bonds or (as likely), housing. Fear is doing what fear does – crippling the investor, economy, mortgage holder and business owner. 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? There has always been period of economic growth followed by a recession. It will happen again. We see some investors now suffer with short termism. They see rising interest available in the banks today as the attractive alternative (even though significantly below inflation rates) and definitely better than a minus figure in a portfolio of shares or similar. But remember that interest rates available in bank and building society accounts have been sub 2% for nearly 14 years prior to 2022. Over the same period the FTSE All Share Index has risen by over 4% despite big falls in 2022. Years of positive calendar year returns can be undone and forgotten by one negative returning year. 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. 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 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. 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 It is natural for investments (except cash) to rise and fall in value. Of course, it is possible to lose capital from investing in pensions or investments. But as a sense of fair balance, historically, the worst performing mainstream asset class over the long term is cash. review. Is 2020 the time to take a look at your financial arrangements once again and get them fit for purpose? apply to you and see what may benefit from having a review. Is 2020 the time to take a look at your financial arrangements once again and get them fit for purpose? In these times of turbulence, when asked, I say to most clients the best advice I can give is simple – sit tight and await a recovery. 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 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. 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
