Business & Professional

Winners’ Corner Contents

CONGRATULATIONS

Jacqui Weir from Milford who has won a bottle of Champagne.

CONGRATULATIONS

Mrs Margaret Knifton from Heage who has won a 3 night stay for 2 people at The Derby Hotel in Blackpool.

Competitions & Puzzles

Prize crossword – Win Breakfast for Two People at The Gallery in Duffield 6 Champagne Sudoku 42 Children’s Puzzles 70 Friendship Blooms – FREE FLOWERS! 77

Business & Professional Lifestyle Food, Drink, Entertainment Health, Beauty, Fitness Motors Home & Garden Children & Education Community 2 11 20 24 29 34 67 72

ADVERTISMENT BOOKING DEADLINE FOR APRIL/MAY 2023 IS WEDNESDAY 22ND FEBRUARY 2023

Advertising Enquiries: Ruth Brown

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

Grace Steele, Wills & Probate, Director

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Jackie Abbo , Commercial Property, Senior Conveyancer Giles Tyas, Residen al Conveyancing, Director

Hello readers

Welcome to the February/March issue of All Things Local! We hope you’re enjoying 2023 so far. There’s no doubt that this year is likely to be another challenging one but, with everything that’s been thrown at us over the past few years, we’ve definitely grown stronger and more resilient. Whatever 2023 has in store, good or bad, we can weather it together!

As a local community we’ve shown tremendous strength and been there for each other throughout tough times and we’ll continue to do so. Our Friendship Blooms presentations are testament to this – we love to be able to say ‘thank you’ to those special people who really go above and beyond for others, selflessly putting other people’s needs first and helping when it’s most needed. Read about this issue’s deserving nominee on page 77 and, if you know someone who thoroughly deserves a floral ‘thank you’, why not send in a nomination? Our bouquets are kindly supplied by Floraline Florist of Belper and I’m sure you’ll agree that they’re absolutely stunning! Of course, it’s not just flowers that we’re offering – you can win the usual bottle of Champagne with our Champagne Sudoku on page 42 and, if you turn to page 6, you could win a breakfast for 2 courtesy of the newly opened ‘The Gallery’ in Duffield by entering our Prize Crossword competition. Thank you to The Gallery for gifting this wonderful prize!

Now that the flurry of activity that surrounds Christmas and the New Year has died down, it’s a good time to make new plans – if that includes doing some work on your house or garden there are plenty of local trades people within our ‘Homes and Gardens’ pages that would be happy to help you with home improvements. Or, if it’s your car that’s in need of some TLC, our ‘Motoring’ section features garages, tyre suppliers and bodywork experts who’ll help to keep your car in tip-top shape – whatever’s wrong with your vehicle there’s someone who can diagnose and fix it!

Don’t forget Valentine’s Day on 14th February and Mothering Sunday on 19th March – take a look in our ‘Food, Drink and Entertainment’ section to find a special place for a celebration or ‘Health, Beauty and Fitness’ for some pampering or self-care.

And that’s just a selection of the businesses that All Things Local brings you from the local area … there’s plenty more from solicitors to architects, taxis to computer support! Whatever you need, you really don’t have to travel far. By supporting local businesses you’re supporting the local economy which, in turn, will help our wonderful area to thrive. It’s a win-win. Oh, and if you do contact any of our advertisers please do mention that you saw them in All Things Local so that they know you’re reading and enjoying our little magazine. Thank you!

Of course, as well as the competitions and useful local businesses, you can also enjoy all of our articles, many of which are penned by talented local residents. We really hope that this February/March issue brings some joy to the cold winter days and we’ll be back in the spring with our April/May issue when hopefully we’ll be enjoying a little sunshine and warmth. Remember to put your clocks forward an hour on Sunday 26th March … a sure sign that spring’s on its way!

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 breakfast for 2 people at The Gallery, Town Street, Duffield DE56 4EH (see advertisement on page 23). Drinks excluded.

1 2 3 4 5 6

8

9 10

11 12

14 13

15 16 17 18

19

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23 24

Across

7 Not occupied (6) 8 Musical dramas (6) 9 Vehicle for hire (4) 10 Opposite (8) 11 Not as dark (7) 13 Old coin (5) 15 Regularly (5) 17 Culinary herb (7) 20 Very cold (8) 21 Relax (4) 23 Large fight (6) 24 Hinder (6)

Down

1 Mother (4) 2 Disappear (6) 3 Piled up (7) 4 Connects (5) 5 Closer to (6) 6 Railway coach (8) 12 Casual (8) 14 Haggle (7) 16 Votes for (6) 18 Scratch (6) 19 Repairs (5) 22 Fizzy drink (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 15th February 2023. All entries are destroyed after the closing date and no information is given to any third party.

AA 2022 best breakfast award

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Less than 50 yards from the promenade

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A Lasting Power of Attorney is a legal document that allows you to appoint people, called your ‘Attorneys’ to make decisions on your behalf. Benjamin Edwards of Shacklocks LLP explains why they are so important.

There are two types of Lasting Power of Attorney (LPA): Financial Decisions and Health and Care Decisions. The Financial Decisions LPA allows you to appoint people who you trust to act as your attorneys to make decisions about your financial affairs. Your attorneys could open and close bank accounts, withdraw or invest money, claim your allowances and benefits and even sell your property if required. In our experience, some people try to avoid having an LPA by transferring their bank accounts into joint names, often with one of their children. This has a number of disadvantages. Firstly, it will not allow that person to deal with the whole of your affairs such as insurance or the sale of property. Secondly, a joint account will pass directly to the joint account holder on your death and would not pass under your Will: this can cause difficulties and may mean that your money does not pass to the people you want it to. Thirdly you will be more vulnerable to financial abuse. An LPA is registered with the Office of the Public Guardian to help safeguard against financial abuse. The Health and Care Decisions LPA allows you to appoint people you trust to make decisions about your health and care, only if you do not have the

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Legal Matters: mental capacity to do so for yourself. Your attorneys could make decisions on your day-to-day matters such as diet and clothing, decisions which may help you stay The Importance of Lasting Powers in your own home, or arrangements for residential or nursing care. You are also able to authorise your of Attorney attorneys to give or refuse consent to life sustaining treatment. With both types of Lasting Power of Attorney, your When a marriage or a civil partnership breaks down, consideration needs to be attorneys can only make decisions that are in your best interests. Rather than taking away your independence, they can give the people you trust the authority they given to how the assets of the union are to need to help you keep your independence. If you do be divided. Assets can include the home, not have Lasting Powers of Attorney in place and you savings, cars and other valuables but also lose the ability to make your own decisions, the only pensions. way people can make those decisions for you is by applying to become your ‘Deputy’ under the Court of Indeed the pensions can be the most valuable asset Protection. This is a long and complicated process and and care has to be exercised in how they are treated anybody can apply to be your ‘Deputy’. It may not be and how they are divided. Usually, pensions are the person who you would choose. dealt with in one of the following ways: LPAs provide peace of mind so that if you are unable 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 to deal with your affairs, the people of your choice can make the right decisions on your behalf. a new pension for the other person. 2. Pension attachment. This is where a court makes an order directing that some of the pension Benjamin Edwards is a Solicitor with Shacklocks LLP, Solicitors and Investment Advisors, and is one of their payable to one person is paid to the other. team of experienced lawyers working from offices in 3. Offsetting. This is where the pensions are left Allestree, Belper, Ripley and Mansfield advising on untouched but the share of other assets are adjusted Lasting Powers of Attorney, Wills, Trusts, Probate, and to take into account the value of pensions. the Administration of Estates. To make an 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 to discuss Lasting Powers of Attorney, please contact Benjamin Edwards on 01332 559281 or by email to benjamine@shacklocks.co.uk. 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.

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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.

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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

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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

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By the time you read this we will have left 2022 Money Matters: What Next for 2023? 10 years ago, Belper Independent Financial Money Matters: 10 Years of Belper IFS: Our First DecadeMoney Matters: 10 Years of Belper IFS: Our First Decade

behind I would like to start by saying Happy New Solutions was formed after its founder (me, 10 years ago, Belper Independent Financial Year! Kevin Glover) was made redundant from The Derbyshire Building Society. Solutions was formed after its founder (me, Kevin Glover) was made redundant from The

2022 was extremely challenging from a financial point of view. January ‘22 started with the threat of inflation getting beyond the UK Government’s target of 2%. There was an air of inevitability that inflation was likely to resurface largely off the back of the previous decade of low interest rates, the global economic cycle and also Covid. 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 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 In spring 2020 the world almost stopped spinning on its axis and oil processing dropped to record lows as consumption dropped because we all stayed at home. Manufacturing and service industries took turns for the worse. Oil could be bought at less than $0 per barrel! Running the clock forward as the world began to turn again the inevitable impact of energy prices rising (oil mainly) was always likely to see the increase in prices and subsequently feed its way through to us with everything will most likely do so again. At least interest rates have not changed much! Rubbish then and not much better today. Consider this – joining the EU was considered the right 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 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. Consider this – joining the EU was considered the right decision once upon a time. we spend our money on. In short, inflation. Inflation is has changed including the greyness of my hair and the From my dining room in 2009, to an office in Heanor, the rolling 12-month increases in prices, April to April, size of my waistline! Now as a team of 8 we have seen back to Belper and now to the present location, much May to May and so on. the client base expand over the years. ‘Generous ’has changed including the greyness of my hair and the successive Chancellors introduce new legislation size of my waistline! Now as a team of 8 we have seen Then in February ‘22, the Ukraine crisis turned into impacting the public and signposting the need for the client base expand over the years. ‘Generous ’ a war with the sanctions imposed on Russia adding to financial advice.successive Chancellors introduce new legislation gas supply issues along with China imposing severe impacting the public and signposting the need for lockdowns if someone so much as sneezed. Almost What about you – what has changed in your lives over financial advice. a perfect storm. So, market forces meant, as supply the last 10 years? How many jobs have you had? Has shortened and demand rose, prices rose again – fuelling more inflation. Central Banks around the world responded by placing a monetary handbrake on the economy by raising interest rates to try and slow down inflation. 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, So now we have mortgage rates increasing, the cost of borrowing becomes more expensive plus the pound loses How many investments have you made and when were they last reviewed and looked at? My point is through one reason or another? How many cars, partners and other life events have occurred? value against both the Euro and the Dollar. Imports cost How many investments have you made and when were they last reviewed and looked at? My point is

us more! Guess what – more inflation impact! And so on – the vicious inflation cycle continues. that the need for financial advice and a solution should At this point, companies and the public feel uncertain about the future regarding paying the bills and so do the markets. Both share prices in companies and traditionally lower-risk alternative assets such as GILTs and corporate 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? Investment funds (whether held in pension wrappers or 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? bonds also become unattractive. As a consequence, their prices fall too. This now shows in your pension funds and investments. It was fairly easy to see what went wrong in 2022. The solutions to rectify are painful as unemployment trends start to increase, repossession numbers grow too and people feel insecure. But this is 2023. What can we expect? The answer 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 with certainty is unknown. We do know inflation should subside in late 2023 as the steep 2022 increases ‘wash out’ of the rolling 12 months. The likelihood is that interest rates will not keep increasing as the Central Banks look to reverse the uncertainty and cultivate conditions for a recovery. It’s distinctly probable that the interest rates fall too as, bar controlling inflation, not much can be gained to help the confidence grow. The markets will still be jittery at times as company reports will probably show some unexpected numbers but hopefully the Covid scenario with China and the supply issues fade. But, as we get older, we realise these conditions will not last and sooner rather than later the global economy in which we live will grow again from recession because it always does. 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. Is 2020 the time to take a look at your financial arrangements once again and get them fit for purpose? Wishing you a happy 2020 and a prosperous next 10 years. 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 review. Is 2020 the time to take a look at your financial arrangements once again and get them fit for purpose? Sit tight for a bumpy 2023. It’s the destination and not the Wishing you a happy 2020 and a prosperous next 10 journey, as they say. years.

By Kevin Glover, Belper IFS

By Kevin Glover, Belper IFSThis information is general only andBy Kevin Glover, Belper IFS is not intended to address your particular requirements. The data above should 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. 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