27 minute read
Business & Professional
Winners’ Corner Contents
CONGRATULATIONS
Advertisement
Lesley Tibbert from Horsley Woodhouse who has won a bottle of Champagne (not for the first time!)
CONGRATULATIONS
Rachael Booth from Denby who has won a takeaway Afternoon Tea for 2 people from Morley Hayes in Morley.
Competitions & Puzzles
Prize crossword – Win a 2 course lunch for 2 people at Angelo’s Bistro at The Kings Head in Duffield 6 Champagne Sudoku 61 Children’s Puzzles 82 Friendship Blooms – FREE FLOWERS! 87
Business & Professional Lifestyle Food, Drink, Entertainment Motors Health, Beauty, Fitness Home & Garden Children & Education Community 2 15 22 28 34 41 80 84
ADVERTISEMENT BOOKING DEADLINE FOR AUGUST/SEPTEMBER 2021 IS WEDNESDAY 23RD JUNE 2021.
Advertising Enquiries: Ruth Brown
E: ruth@allthingslocal.co.uk T: 01332 883140 or 07545 261034 W: www.allthingslocal.co.uk
FRONT COVER PHOTO: BRIDGE AT CROMFORD
Amber Valley CVS
Would you like to get involved with your local community?
Amber Valley CVS are looking for volunteers to help and support Amber Valley residents with a “befriending” and “home from hospital support service”.
Could you spare an hour a week to have a cup of tea and chat with someone who is unable to get out and about, often meaning they feel lonely and isolated? Help with shopping or collecting a prescription may be required. You will be given free training and support, but no special qualifications are required to volunteer, just the ability to listen and to show an interest in someone else’s life.
If this is something you would like to get involved with and join other amazing volunteers doing just this please contact Katrina Johnson by email at: katrinajohnson@avcvs.org or call: 01773 512076.
Your help could make a huge difference to someone’s life!
WELCOME LETTER
Hello readers
Not counting any chickens, as we all know what the British weather is like, but at the time of writing the sun is high in a bright blue sky and the birds are singing – the local area looks more beautiful than ever in the sunshine and, with any luck, it will stay that way for the summer!
Again, at the risk of counting those chickens, the COVID-19 restrictions are currently beginning to ease and we’re hopeful that they’ll continue to move in the right direction. After the strangest year it’s so nice to once again see people moving more freely around the local towns and villages, children back in schools, the reopening of shops, salons, gyms, pubs, cafes and restaurants, and a return to a more social way of life after such a long period of staying at home. For many, this has been an isolating and lonely experience so to see people reunited again is a joy.
Let’s hope we can continue to move forwards towards a free and ‘normal’ life again – this whole experience has really taught us to appreciate the little things, and that we truly don’t know what we’ve got until it’s gone.
Speaking of which, our local businesses need your support now more than ever! Please do your best to shop local and give your business to the wonderful people who both live and work in our community. All the unique businesses make this area so vibrant and interesting, and boy, how we’ve missed them! Let’s show them how much they’re appreciated by giving them as much trade as we can. We’ve certainly been enjoying being out and about, visiting local shops and eateries (and drinkeries!), seeing lots of smiling faces (well, smiling behind a mask, anyway!) and catching up on those long-overdue beauty appointments. It feels like we’re emerging from a cocoon and spreading our wings once again!
As ever, this issue of ATL is packed with all your favourite articles, adverts for local companies offering a huge range of products and services, quizzes and, of course, Friendship Blooms, where we show our gratitude to a real-life ‘angel’ who goes out of their way to help others. Thank you, as ever, to the fabulous Fleur Florist of Belper for supplying a stunning bouquet for the chosen nominee. Thanks also go to Angelo’s Bistro at The Kings Head, Duffield, who are kindly supplying the prize for our Crossword Competition – whether you’re a crossword aficionado or not, it’s certainly worth turning to page 6 and giving it a try to be in with the chance of winning a delicious meal for two! Or, if numbers are more your thing, you can win a bottle of Champagne in the Champagne Sudoku on page 61.
By the time we next write, if things go according to plan, all restrictions will have been lifted and life as we once knew it will resume … hopefully with renewed enthusiasm and an appreciation for the little things that we now know we shouldn’t take for granted.
Until then, 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
Head, Town Street, Duffield DE56 4EH. Drinks excluded
Across
1 Seats (6) 4 Burst (6) 9 Reduce in length (7) 10 Moves rapidly (5) 11 After sunset (5) 12 Before (7) 13 Marvellously (11) 18 Cultivate (7) 20 Hurry (5) 22 Arrogant (5) 23 Terminates (7) 24 Sibling (6) 25 A sign (6)
Down
1 Place for gambling (6) 2 In the midst of (5) 3 Turned (7) 5 Senior (5) 6 Incomplete (7) 7 Large arid area (6) 8 Halted (11) 14 Apparent (7) 15 Sad (7) 16 Adjusts (6) 17 Container (6) 19 Narrow shelf (5) 21 Rub hard (5)
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 16TH JUNE 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
Now open but following government guidelines. Please wear masks and keep 2 metres apart.
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 It has been said that during the pandemic, we might all be in the same storm but we are not in the same boat. This is probably true financially. Some people will have had their incomes hit and will have struggled financially. Others will have managed to save whilst the opportunities to spend have been curtailed. During one of those more bleak evenings I found myself meandering through pages of social media and happened upon a thread where people were talking about online divorces. The gist of the thread was the perceived wisdom of dealing with matters online and avoiding solicitors and the cost that using them entails. Whilst initially tempted to wade into the debate, I managed to resist, but some recent experiences have highlighted some of the hidden costs of not getting the right advice at the right time. I have been dealing with financial cases following relationship breakdown for almost 20 years. The aim, following the breakdown of a marriage or a civil partnership, is for a fair financial outcome for both parties however fairness does not always mean equal. Fairness is a concept which will look closely at the needs of the parties and any children, their earning capacities, and also contributions amongst other factors listed in legislation which dates back to 1973 and has been considered and interpreted in various cases since. The first stage of dealing with a financial case is called “financial disclosure”. This is a process whereby both parties put their cards on the table in terms of the assets Legal Matters: The Hidden Cost of a Cheap Divorce 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. and liabilities which they both have, including details of their pensions. A keen-eyed family lawyer can often be worth every penny that they charge in examining the financial disclosure provided and ascertaining whether there are any hidden assets, assets which may not have been hidden but forgotten about, pensions which are undervalued or sometimes overvalued, and assets which may bring with them liabilities in the form of taxation. I have been recently dealing with a case involving what appeared at first very modest assets but when the surface was scratched far more substantial assets and benefits worth tens of thousands of pounds were uncovered. This reminded me of the internet thread and my first thought was that what might appear a small saving in solicitor’s costs could, in many cases, be a significant financial hit especially if assets and other benefits of the marriage remain hidden and therefore not uncovered or eventually shared in a fair way. At Shacklocks LLP both myself and Associate Solicitor Marcella Kilbane are accredited specialists with Resolution and we offer a complimentary 30-minute appointment which is available to people with issues relating to family law when you can assess, without commitment or cost, the value that instructing an experienced family lawyer is likely to add in dealing with your case. To book your complimentary appointment, contact me, Ben Stubbins, on 01773 822333 bens@shackocks.co.uk, or my colleague Marcella Kilbane on 01773 743513 or email marcellak@shacklocks.co.uk. Ben Stubbins 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: Emotional Investment Decision Making Money Matters: 10 Years of Belper IFS: Our First Decade Money Matters: 10 Years of Belper IFS: Our First Decade As we start the “Government Pathway Out of Lockdown” journey and reach key dates, life seems to be getting back to some sort of normal now. And yet it was only March 2020 when all was doom and gloom in the financial markets. Last 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, 10 years ago, Belper Independent Financial Solutions was formed after its founder (me, Kevin Glover) was made redundant from The Derbyshire Building Society. year will never be forgotten and yet, incredibly, many of the financial markets ended 2020 at record highs. 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 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. Presently investors are becoming gradually less fearful as the initial shock of the pandemic and lockdown subsides. Markets have rebounded, focusing on the eventual recovery 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 Generations of people have been served or been customers of these organisations. You are probably one. State Pension Age has changed several times and rather than the continual stream of poor economic data. not changed much! Rubbish then and not much better will most likely do so again. At least interest rates have Markets are forward-looking and last year has now well and today. not changed much! Rubbish then and not much better truly passed in many ways – although maybe not in our own today. minds as investors, especially as job threats hang around. Consider this – joining the EU was considered the right decision once upon a time. Consider this – joining the EU was considered the right There are many financial indexes we associate with (The decision once upon a time. FTSE 100 being the most common). However, there is one that is less well known to the public called the Fear & Greed Indicator, produced by CNN Money. This starts with the basic premise that the major factors driving short term moves in share prices are the two most basic of human emotions – fear and greed. When investors are fearful, they will tend to sell – often irrationally – while, after a period of strong gains, investors can often become irrationally greedy, paying scant attention to prices, leading to potentially overextended stock market levels. Both sit at extremes of 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. behaviour and the purpose of the Index is, by looking at a number of different indicators, to come up with an indicator What about you – what has changed in your lives over the last 10 years? How many jobs have you had? Has What about you – what has changed in your lives over of where we sit at present. your family extended or tragedy struck? How many the last 10 years? How many jobs have you had? Has times have you moved house? How many pension your family extended or tragedy struck? How many The current level shows markets are feeling optimistic, schemes have you been a member of and simply left, times have you moved house? How many pension (65 as at 5th April on a scale of 1 to 100) but not through one reason or another? How many cars, schemes have you been a member of and simply left, necessarily excessively so. Today we’re officially in the partners and other life events have occurred? through one reason or another? How many cars, “Greed” category. Those with longer memories and harder partners and other life events have occurred? nerves might remember that last March, at the peak of the pandemic, the dial sat in single figures, highlighting the 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 that the need for financial advice and a solution should not be seen as a one-off. Financial products and solutions that the need for financial advice and a solution should were probably right at the time, but just how much has not be seen as a one-off. Financial products and solutions changed since their inception? were probably right at the time, but just how much has changed since their inception? Investment funds (whether held in pension wrappers or alternative structures such as Stocks and Shares ISAs), Investment funds (whether held in pension wrappers or are mostly run by fund managers who are also human alternative structures such as Stocks and Shares ISAs), beings. As humans they may retire, defect to other are mostly run by fund managers who are also human companies, or run out of luck! Solutions that may have beings. As humans they may retire, defect to other been right at the start may no longer be suitable or companies, or run out of luck! Solutions that may have effective. Leading fund managers in 2009 may no longer been right at the start may no longer be suitable or be leading fund managers as we approach 2020. 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 In April 2015, pension regulations changed. They will this time may no longer be suitable – but just how would almost certainly change again. Pensions from prior to you know? So, as you sit munching your turkey over the this time may no longer be suitable – but just how would festive period, consider how many of these questions you know? So, as you sit munching your turkey over the apply to you and see what may benefit from having a festive period, consider how many of these questions review. 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 Is 2020 the time to take a look at your financial purpose? arrangements once again and get them fit for purpose? Wishing you a happy 2020 and a prosperous next 10 years. Wishing you a happy 2020 and a prosperous next 10 years.
complete collapse of confidence that shares suffered. Since that period, however, stocks have rallied extremely sharply, with many markets hitting multiyear high levels. You may be thinking, “If only I knew that back then”? In most walks of life, we like to buy when items are cheap, (like in the sales) and avoid paying for items at a premium, e.g. when ‘new season’ stock arrives. With investments, we tend to do the exact opposite. Few investors feel brave enough to invest when the markets are in the descendancy such as the ‘Capitulation’ or ‘Despondency’ part of the curve. We never know exactly when investments are actually valued at their cheapest (‘Point of Maximum Opportunity’), or conversely when they are at the highest price (‘Point of Maximum Risk’), but trying to time the market is a very risky strategy. Modern portfolio theory suggests not to keep all your eggs in one basket and instead consider exposure to many markets, asset classes and investments. Also, invest for the long term i.e. 5 to 10 years plus.
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 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 address your particular requirements. The data above should not be relied upon in its entirety and shall not be deemed to be to be or constitute advice. No individual or company should not be relied upon in its entirety and shall not be deemed or constitute advice. No individual or company should act upon act upon such information without receiving appropriate to be or constitute advice. No individual or company should such information without receiving appropriate professional professional advice after a thorough examination of their act upon such information without receiving appropriate advice after a thorough examination of their particular situation. particular situation. professional advice after a thorough examination of their particular situation.
10 Chapel Street Belper DE56 1AR 10 Chapel Street Belper DE56 1AR
Just a Thought...
Back to the Future
Summer is here and, at the time of writing, we are on course to be free of most social restrictions imposed by the cruel mistress, Covid. That’s that then; as you were and back to the future we had in mind c. January 2020 … or is it?
I don’t think we can gloss over the emotional effects the pandemic has had on every single one of us and especially our mental health.
Many people will be welcoming the re-opening of society and the freedoms it presents, however there are also those who view it with trepidation. Anxiety and depression are just two health conditions that have risen exponentially in the last 18 months. They are, sadly, not going to evaporate into the balmy summer ether merely because the immediate threat of the virus is in the rear view. We need to be more vigilant, honest and aware than ever of ourselves and those around us.
You can’t always see mental health struggles. That smiling face with the, ‘I’m fine thanks,’ retort is the most common of masks. You may notice friends cancelling last minute, not answering calls or just avoiding eye contact. These are subtle signs that someone may be struggling. Patience is key here. It is easy to personalise these behaviours, ‘Oh they don’t like me anymore,’ or, ‘Oh he’s making my life difficult’. Please, let’s try to always assume the best of others because, under these socially obscure presentations, may be a world of pain and struggle. Your understanding can be the first step to much needed support.
The sunshine and long days are a gift indeed to be enjoyed and completely relished, so let’s do our absolute best to ensure that we can ALL be afforded that right. We must be considerate, courageous and kind in equal measure and only then can we truly get back to the future.
If you are struggling - PLEASE contact one of the support centres below open 24hours a day, 7 days a week. Never struggle in silence.
Call: 0800 028 0077 – Derbyshire Mental Health Support Email: jo@samaritans.org Samaritans Support Online
By Fliss Goldsmith of Belper
