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LINK-Fleetwood
July 2010
Contents
Editors Letter
•
John Jenkinson MOT & Service
W
•
Property Make a Grand Entrance
5-16
•
RED HOT Summer Sale Leftons
6
•
Alan Titchmarsh Gardening
•
Green Thumb Lawn Treatment
19
•
Wyre Together New Service
23
•
Where Am I?
24
•
Kids & Family Discount Vouchers
25
•
Kids Corner
25-27
•
Hyundai IX35 Motoring Feature
28-31
•
LINK-Cash Ads
32
•
Fleetwood Gym Football
34
•
Refurd Fylde & Wyre Project
•
What’s On, Library & Churches
•
Neighbourhood Policing Team
38
•
Budget Dining Gourmet Style
39/40
•
Useful Numbers
•
Fleetwood Town FC
•
Best Way to Build a Nest Egg
44/45
•
Classified Trades & Services
46/47
e have had some great weather recently so hope you have been making the most of it, by getting all those jobs done around the house, we have lots of businesses inside to help you, whatever you need. What a GREAT turnout out for the Carnival and even bigger and better than last year, so good to see!! Don't forget its the Lighthouse Walk with RNLI to Wyre Light Sat 10th July. Have you checked out the new playground area on the seafront behind the log cabin cafe, such good to see use being made of the space it look really well, look after it Fleetwood its only the start of new investment. Congratulations LINK-Spotter Stuart Armitage of Poulton who won our where am I competition £50 on its way to you. If you have used a business in our magazine and had a good service let us know or anything that you would included in our magazine, we want to hear from you. NEWS: LINK magazine is expanding Over Wyre in the next month or two, if you have a business or service that need promoting in our new Poulton Le Fylde edition get in touch! If your business is not featured inside, then you are not reaching up to 40,000+ homes in your catchment area. LINKMagazine covers more doors than any other local media. Get in touch to see how we can help you promote yours into the BEST dedicated local independent magazines.
18-20
35 36/37
41 42
Copy Deadline 23rd July
Many Thanks
Martin Gardner - Editor LINK-Magazine
01253 777545 info@link-magazine.co.uk www.link-magazine.co.uk Secretary of Fleetwood Chamber of Trade and Commerce
2
Federation of Small Business
MEMBER
ADVERTISE INTO 40,000 HOMES Fleetwood, Thornton, Cleveleys, Bispham & Poulton
LEAFLET DISTRIBUTION CALL 01253 777545 NOW
Publisher: LINK-Magazine Editor: Martin Gardner Sales & Marketing: Shaun Hartley, Robin Thew Telesales: Allison Butterworth Artwork: In House Freelance Photography: In House - Cover Fotoxcel EDITORIAL: 01253 777545 ADVERTISING: 01253 777545 EMAIL: info@link-magazine.co.uk WEB: www.link-magazine.co.uk Whilst every care has been taken to ensure that the data in this publication is accurate, neither the publisher nor its editorial contributors can accept, and hereby disclaim, any liability to any party to loss or damage caused by errors or omissions resulting from negligence, accident or any other cause. LinkMagazine does not officially endorse any advertising material included within this publication. All rights reserved. No part of this publication may be reproduced, stored in any retrieval system, or transmitted in any form electronic, mechanical, photocopying, recording or otherwise without prior permission of the publisher.
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MAKING A
Be bold and make a statement!
GRAND ENTRANCE
Turn your hall into a star feature of your home - add a red carpet if you really want to join the glitterati - and just wait for the compliments for your 'award winning' taste.
Y
ou could transform your own 'entrance' into a star feature by giving the hallway of your home a 'make-over'."Turning on the style in a hall couldn't be more important," says interiors expert, Andrea Maflin for Fun On The Floor, an association of carpet specialists. "After all, a hall is the first space visitors encounter and its décor sets the tone for the whole home."
“
there's no need to hold back from making a statement. Use oversized accessories for drama such as a huge mirror or a striking chandelier.
All too often though, hallways wouldn't win any prizes for their décor as they're dowdy, neglected areas, collecting only clutter and debris rather than admiring glances as family and visitors pass through them. "But these days halls and glamour should go together," stresses Maflin. "It's easy to get a fabulous 'welcome home' feeling with a thick, velvet pile carpet, perhaps in a stunning, bold colour such as 'red-carpet' red.
”
Naturally, halls have to accommodate practical details such as storage but that needn't limit the scope for imaginative effects, says Claire Hornby, creative stylist for Barker & Stonehouse.
"This is an area where you really can stamp your personality. A hallway and stairs are the core of a home, and provide a link to all the other rooms, but you can afford to be bold with decor style and colour because it's not an area where you are going to sit and relax." Henshaw black console table, £450, Osaka Cranberry wallpaper, £27 per roll, large Paloma glass lamp base, £90, cranberry vertical stripe shade, £40 and Claverton runner, £150, from Laura Ashley.
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So make sure your entrance makes you proud and welcome in the glamour by following our guide to halls of fame.
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property Hallway solutions: Colour and pattern are now essentials for successful rooms, and a hall could be an easy place to start experimenting with decorative papers.
Stage a floor show Think flooring before walls as it has a dramatic effect, especially in a hallway where the eye is naturally drawn downwards and to the key feature - usually the stairs. "Don't rush into a flooring choice," advises Maflin. "Mistakes can be expensive and it is more costly to change than paint or wallpaper. Generally, I'd use the same flooring for hall, landings and stairways as this will give continuity to the scheme." Hallway solutions: Poseurs would love their own 'red carpet' and Fun On The Floor has a classic, a Balta Christchurch Twist in True Red, £29 per square metre.
Let it shine Lighting sets the mood in halls, says expert Sally Storey, design director at John Cullen. "Often hallways are narrow and can look dull but you can overcome that by featuring an oversized lantern or chandelier. Do ensure though that the light levels can be altered by having it on a dimmer switch," she advises.
"In a long hallway avoid a central downlight, and instead But if you haven't got a celebrity budget, simply paint the use shallow wall lights or table lights to break up the stairs red! space by providing a soft glow. Recessed downlights could create a wash of light on one wall." Louise Smith, Dulux colour and design manager says: "You can create a stylish stair runner easily using paint." Hallway solutions: Marks & Spencer and Bhs both have She advises sanding stairs thoroughly first, then an impressive array of eye-catching chandeliers to suit drawing the outline of the runner using a pencil and your budget and your taste. ruler. Masking tape along the edge should help ensure a sharp, accurate line when painting. Apply a coat of Dulux Multi-surface primer, £12.49 for 750ml, allow to dry thoroughly, and then use a deep red, Dulux Celebration, in non-drip gloss for wood and metal, £8.99 for 750ml.
Wonder walls Skinny, narrow, short or square: Rather like figures, hallways come in all shapes and sizes. But just as we use clothes to make the best of our appearance, paint and colour can also do a lot to 'trick the eye' and appear to alter the shape or size of this space. In a dark hall, for instance, enhance the light by using gloss paint on walls. Alternatively, bring a lofty ceiling down a peg or two by painting the area above a picture rail a warm shade, one which is darker than the walls below.
Stunning storage One of the easiest ways to add razzledazzle in a hallway is with a striking piece of furniture, from a wooden chest to a slim console table, and hanging a mirror above it will further enhance it.
Halls need eye candy
Graham & Brown's Spirit collection also features lovely papers to suit a hallway, including a stylised floral range, Charm, £30 a roll.
“ ”
Littlewoods' elegant French-style wooden console table, £179, available in silver, black or white finish
If you choose mirrored furniture as well as a large wall mirror you will easily maximise the feeling of light and space." In my view, it's hard to beat the glittering good looks of Graham & Green's Manhattan console table, £498, which is covered in multi-faceted mirrors. Complement it with the company's round bevelled wall mirror, £285.
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G
lorious reenhouses
TV gardening guru Alan Titchmarsh loves pottering in his Hampshire greenhouse, which measures 8ft x 15ft, but advises green-fingered enthusiasts to think carefully about their needs before they buy. "Make it twice as big as you think you need, because however big a greenhouse you get you will fill it to overflowing. Buy the largest you can possibly afford and fit in," he says. "My greenhouse is packed. I keep thinking I'll have to have a purge in spring and throw a lot out so I can do something new but it's difficult to find the heart to throw things away which are growing well."
Don't forget to allow for hidden costs of a greenhouse, he advises. Installing electricity and water will make a dent in your budget, along with laying a path leading to the greenhouse. Things such as staging, propagators, watering systems and automatic vent openers, plus blinds, heaters and insulation will also rack up the costs. Of course, not all of us need a greenhouse. If you only want a few bedding plants you may be better off with a heated propagator on a windowsill indoors and a few cold frames. A heated greenhouse will give you a much bigger range of plants to grow, he says. "Try to get your heating sorted, preferably make it electric heating which is thermostatically controlled so you can save money on it. Even being able to keep the frost out will tremendously widen the range of plants you can grow in there."
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gardening Fan heaters move the air around and will heat a larger area efficiently, while tubular heaters are suitable for smaller spaces. You can also buy heated propagators and soil-warming cables if you only want to heat the seeds you are sowing.
“
Invest in a maximum/minimum thermometer and put it where it will be easily read, but out of direct sun, which will interfere with the reading
"An unheated greenhouse limits your season from April to September, although you can put hardy shrubs, flowering currants and camellias in there in pots if it's unheated, it will bring them on earlier," says Alan. The greenhouse should be placed in full sun, because if it's shady the plants tend to become leggy. Place it in the most open site you can, keeping it around 10m (30ft) from any big trees, if you can. This is because of the shade they may cast and because the falling leaves and twigs will block gutters and increase the frequency with which you have to clean the glass.
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"You can potter in the greenhouse all year round but there will come that hard core of winter from November to February when it's quiet, although my own greenhouse has been full of scented leaf pelargoniums right the way through. We've got marguerites flowering in there and little white jasmine." If you want to grow ornamentals in your greenhouse, work out what temperature you can keep the greenhouse at and grow plants that suit that environment, rather than trying to match the heat to the needs of a variety of plants.
Three ways to...
improve your compost bin
To keep an unheated greenhouse looking good, try to grow a succession of flowers, which will mean encouraging some plants to bloom a bit earlier than normal. Scented shrubs are great early flowerers. The hardy Daphne odora Aureomarginata, for example, produces pale purple-pink fragrant flowers naturally early in the year and even earlier if it's under cover. Other shrubs which look great in the greenhouse include mimosa (Acacia dealbata) and Buddleia asiatica. Investing in a greenhouse will allow you to experiment with seeds, grow more fruit and veg, take cuttings and widen the Alan Titchmarsh How To Garden series: range of plants you grow. And it Greenhouse Gardening, is published by may look pretty BBC Books, priced £6.99. as well.
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1
If you have a classic pallet bin, put mesh on the inside to stop animals hibernating among the clippings.
2 3
Make sure the heap is sited over bare soil so that water can drain away. Add water if the compost is dry or newspaper if it's wet.
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Wyre Together a new Partnership in Wyre
be sharing information and expertise and also developing tools that local groups What’s it all about? can use to help us improve With the recent changes in our community. We can the Government and more also pass information beemphasis being placed on tween groups and make voluntary, community, faith sure that opportunities are sector and social enterprise shared by as many groups groups (known as the third as possible. sector) to help people have better lives it is vital that we How to be involved? prepare ourselves now for By being part of Wyre Tothe challenges ahead. gether we can be a stronger voice, work toWhat are we doing? gether to help the community and be one port of call 60 local groups now form for all third sector groups Wyre Together, a partnerand public sector ship of groups working together on our top topics of (Government) organisations. funding, communication
If you would like to be part of Wyre Together or would like more information please contact Jane Williams on 01253 887494, 07932335268, email jane.williams@wyrefyldetssp.org.uk.
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WIN £50
WHERE AM I? COMPEITION
NEW Where Am I? Expanded to all areas including greater PRIZE! Can you guess where I am this month LINK-Spotters? CONGRATULATIONS Stuart Armitage, Hawthorne Grove, Poulton, who won June competition confused a few this time many mixed entries, see how you fair this month.
This one’s new built in wood in the wood
Excellent response online and post thanks LINK-Spotters. Last Month Answers - St Andrew Centre (Cleveleys), St.John RC Church (Poulton), St.Peters Church ( Fleetwood) See if you can spot where we are this month? also enter online at www.link-magazine.co.uk Do you have any local images email them us through.
Entries online: www.link-magazine.co.uk or info@link-magazine.co.uk, post or drop into 32 Rowntree Ave, Fleetwood, FY7 7HE
Where Am I? Competition Answer 1 …………………………………………………………………………………………….… Answer 2 ………………………………………………………………………………………………. Answer 3 …………………………………………………………………………………………….… Name ………………….............. Street Address………………………….....………….....…… Email .......................................................................Tel..............................................................
SEND TO - LINK-Magazine, 32 Rowntree Ave, Fleetwood FY7 7HE
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uring Colo ime in t Colour in this pic of the dragon and the Knight
Guide the unicorn to her friend. Draw the path through the maze to the unicorn, starting at 5 and counting by 5s up to 500.
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PRINCESS BOGGLE PUZZLE
Try to find as many words in the grid of letters as you can. The person with the most and/ or longest unique words in their list wins the boggle game Advertise Call Martin 01253 777545
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FIRST DRIVE:
hyundai
iX35
THE HYUNDAI IX35 follows the trend for family crossovers that combine the practicality and sensible proportions of hatchbacks with the high-rise driving position of SUVs. It's roomy as well, with a smart and stylish interior layout.
A
poorly performing economy forces most of us to consider how we spend our cash, and it often only takes a quick scan through the direct debit inventory, shopping list or - for the particularly organised - monthly budget to see where 'swinging cuts' can be made. Sometimes, things don't need to be chopped at all. Instead, items can be replaced with a brand that offers better value. The same goes for larger items, including cars.
Hyundai has had a better recession than most. Historically considered a value-for-money (aka budget) brand, the resulting badge snobbery has offered the Korean manufacturer little justice in the past. Of course, with budgets squeezed, the 'value brand' has been of considerably more interest to many it seems the 33,000 drivers who took advantage of the scrappage scheme to buy a new Hyundai found the quality to be up there with the big-name brands. This is a point driven home by the fact that, as used car
market experts are nervously pointing out, many of the drivers who purchased under scrappage don't intend to upgrade any time soon. Their new Hyundai is to see them right for a few years, with full advantage taken of the five-year warranty. A more emphatic recommendation is hard to find. Can 33,000 people be wrong? Probably, but judging from the quality of Hyundai's latest arrival, they certainly are not on this point.
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MOTORING The 2.0-litre diesel unit provides evenly distributed torque, making it an undemanding car to drive. Refined on the motorway and with a duly responsive and a well-behaved chassis on a B-road it's hard to find fault. The steering may be a little springy for some, with the wheel whipping around aggressively to the central position when emerging from a junction, but this does equate to a responsive feel. In terms of road-holding the four-wheel drive chassis has obvious benefits, but the two-wheel drive version is very capable.
“
It's a struggle to find an angle from which the iX35 suffers aesthetically
�
The iX35's piece-de-resistance, however, is its equipment. Two trim levels are available, Style and Premium, with upgrade packages bringing satnav, upgraded dials and a more powerful sound system.
Yet even the entry-level model gets heated front and rear seats, reversing sensors and Bluetooth amidst a long list. The upper grade, itself only a small additional Initially available with a 2.0-litre petrol or 2.0-litre diesel financial commitment, gets a full length sunroof, dualengine with the option of on-demand four-wheel with the zone climate control keyless entry and auto-lights and diesel unit, a new 1.6-litre petrol and super-efficient 1.7- wipers and more. At the iX35's asking price, that's a litre diesel unit are set to follow. hard factor to ignore. These elements are to be expected from an eminently sensible, value-for-money proposition, but the cutting edge styling is perhaps not. It's a struggle to find an angle from which the iX35 suffers aesthetically. Granted, it's not supercar exotica, but it's more than a match for its European rivals and a shape drivers can be proud to be seen at the wheel of - an important factor when considering the 'badge snobbery' issue. Inside, there's a similar appeal. Build quality is strong and the interior layout smart and stylish. An attractive set of dials greets the driver and there are obvious nods towards occupant convenience; the window and door mirror switches are angled towards the driver for example (a trend that appears to be to comfort in the modern era what damped grab handles were to comfort in the previous decade). Model: Hyundai iX35 2.0 CRDi 5-dr 2WD Premium, ÂŁ19,745 otr It's roomy, too. Headroom is naturally very good, but Engine: 2.0-litre diesel unit producing legroom in the rear is surprisingly generous and the 134bhp and 236lb/ft torque. boot is not short of potential. The iX35 does not feel Transmission: 6-speed manual gearbox driving particularly wide however; three adults across the rear the front wheels. bench may find things a little cosy. Performance: 0-62mph in 9.4 secs. The sensible dimensions pay off in terms of road Top speed 113mph. manners, however. Like all good crossovers it doesn't Economy: 47.9mpg. feel like a big car in town, but offers an excellent driving CO2 emissions: 153g/km position with a genuinely commanding view.
Facts at a glance:
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LINK-CASH ADS LLADRO SWANSTAKE FLIGHT £1300, OTHER ORIENTAL LLADRO FIGURINES, FROM £100-£600 T:01253 868109 ................................................................................................................. LADIES SILVER SANDELS SIZE 5 NEVER WORN NEW IN BOX £12.50 T: 826945 ................................................................................................................. GRANDFATHER CLOCK PINE £100 T: 01253 855472 ................................................................................................................. POOL TABLE 6FT X 3FT FOLDING LEGS, CUES SET OF BALLS £25 T: 01995 670846 ................................................................................................................. WIRELESS ROUTER HIGH SPEED NEW BOX £10 T: 0776 1188 677 ................................................................................................................. TWO LOVELY DARK GREEN FULL LENGTH BRIDES MAID DRESSES SIZE 12&14 SATIN ROUND NECK SMALL SLEEVES £25 EACH O.N.O. T: 01253 862805 ................................................................................................................. WALNUT FIREPLACE 1930’S G/C £60. SMALL HALL GATE LEG TABLE WITH DRAWER TURNED LEGS £30 T:01253 851979 ................................................................................................................. GAS FIRE BLACK BEAUTY SLIMLINE COAL EFFECT AS NEW GLASS FRONT £90 2 WINTERS USE ONLY T: 01253 825177 ................................................................................................................. BLUE MOUNTAIN POTTERY COLLECTION OF ANIMALS RING FOR DETAILS PRICE FORM £8 T: 01253 825177 ................................................................................................................. BOSCH CLASSIC 1400RPM WASHER MACHINE, EX/C 3YR OLD £130. INDESIT SMALL CHEST FREEZER SUITABLE FOR GARAGE EXCELLENT WORKING ORDER £40. QULACAST COBRA ELECTRIC LAWN MOWER EX/C £50 T: 01253 827259 ................................................................................................................. PORTABLE REMINGTON ENVOY TYPE WRITER £20 T: 854387 ................................................................................................................. FOUR WHEEL WALKER WITH SEAT £20. TRIPOD WALKER £20.BED REST £5.BATHROOM CABINET £4 T:07511 982691 ................................................................................................................. BEAUTIFUL MOSES BASKET WITH TWO STANDS, ONE ROCKING, ONE STATIC EX/C NEW MATTRES £30 T:07833 907052 ................................................................................................................. NEXT CIRCULAR GLASS DINING TABLE & FOUR MATCHING CHAIRS VERY GOOD CONDITION £150 O.N.O T:07807 033474 ................................................................................................................. TWO BOYS BIKES AS NEW SIX-TEN YEARS £30 T:01253 878 436 ................................................................................................................. 16 CHARLES DICKENS BOOKS, 16 ASS AUTHORS I.E DEFOE,AUSTIN,BRONTE,KINGSLEY OFFERS T: 01253 857227 ................................................................................................................. ADULT PASHLEY TRICYCLE £75 T:01253 877879 ................................................................................................................. LADIES STOWAWAY BICYCLE NEW £125 HARDLY USED WILL TAKE £35 ONO T:01253 882009 ................................................................................................................. 24 PIECE PVC PICNIC SET IN WHITE, CARRY BAG, UNUSED £5. LARGE BOX TOYS,BOOKS,GAMES £10 PER BOX T:01253 868752 ................................................................................................................. DROP LEAF DINING TABLE £20 FOUR DINING CHAIRS £15 COFFEE TABLE £12 DISPLAY CABINET £55 T:01253 854829 ................................................................................................................. MAXI COSI PRIORI FIX CAR SEAT IN BLACK WITH ISOFIX INSTALLATION EXCELLENT CONDITION £50 T:01253 773788 ................................................................................................................. 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To advertise fill in and post slip provided WWE WRESTLING FIGURES BELTS, ETC 45 FIGURES OLD AND NEW £50 THE LOT T: 01253 508545 ................................................................................................................. AB CIRCLE PRO, HELPS BURN FAT AND TONE YOUR ABS, BOTTOM, THIGHS & HIPS £80 T: 07734037577 ................................................................................................................. NEW ELEC GRASS STRIMMER 250W £15.NEW BATT KITCHEN SCALES £5, NEW KITCHEN 7 KNIVES SET £5 T:01253 771875 ................................................................................................................. PEACH CURTAINS LINED, VERY GOOD CONDITION 82”L 114”w £6 LONG MIRROR GOLD EDGING 36”L 13”W £4 T:01253 860417 ................................................................................................................. 20” TV WITH FREEVIEW BOX. BUILT IN VIDEO RECORDER GOOD CONDITION £50 ONO T:01253 868752 ................................................................................................................. DIGITAL CORDLESS PHONE PLUS ADDITIONAL HANDSET BT, BOXED LARGE BUTTONS £20 T:01253 855356 ................................................................................................................. MAMA PAPA ARIA PRAM ONLY USED A FEW TIMES IN VISITS TO GRANDMA , BARGAIN AT £50 T:01253 864318 ................................................................................................................. MUSTARD YELLOW LEATHER SETTEE & CHAIR, 3 SEATER GOOD COND £50 ONO T:07891 038070 ................................................................................................................. MAMAS & PAPAS 3IN1 CARRY COT, PRAM, PUSHCHAIR PLUS CHASSIS & FITTINGS, CAR SEAT (BLACK) GOOD CONDITION £150 ONO T:07833 907052 ................................................................................................................. GAS COOKER DOUBLE OVEN WITH GRILL GLASS DOORS PLUS HOB COVER BLACK AND GREY EX/C £99 T:01253 854849 ................................................................................................................. PRAM DESIGN BEIGE WITH BASKET WEAVE SIDES, EX CONDITION £50 T:01253 867983 ................................................................................................................. RARE BOOK, LANCASHIRE PLAIN AND SEABOARD 1ST EDITION 1953 H.C COLINS GOOD COPY £10 T:01253 777686
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Fleetwood Gym Football June has been a busy month for Fleetwood Gym Football Club, our tournament was a huge success for us with over 150 team competing over 3 days. Our Unders 9’s got to the Semi final. Our Under 11’s got to the final of the Cup compitition after beating local rivals Fleetwood Town 2 – 0 in the semis-final, but were then unlucky in a hard fought final which went to penalties. The Under 8’ entered two team and both got to the Plate Final. Both teams played well and were a credit to our Club. And
finally our Under 13’s got to the plate final. They were pitted against a good local team Blackpool Rangers. The Gym did themselves proud and won their first silverware since there creation 2 years ago with a fine 2 – 0 win. We held our Presentation on Saturday 19th June and top of the awards was our Special Recognition Award which this year was presented to Local Business man Ian Barnes, Ian has been involved at Fleetwood Gym for over 15 years and still continues to support junior football in Fleetwood.
is open to all children boys and girls. For more info about playing for Fleetwood Gym then contact Barry Whittaker on 07775928332 LINK-Magazine were sponsors of the tournament and produced the programme for the event. The Fleetwood Gym Plate winners also filled the top deck of the Fleetwood Festival of Transport open top bus in last month Fleetwood Carnival.
All our teams are looking forward to next season with our Under 9’s (Year 3) , Under 12’s(Year 6) and Under 14’s(year 8) looking for players to add to their winning squads Our development class now runs every Saturday 10.15am at King Georges for children aged 4-6, this
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Refurb is a community based charity that is run on a not for profit basis. Everything that we do is solely to benefit the people of Blackpool, Wyre & Fylde, so you can be sure that your donations to us will be put to good use. Refurb is backed by a loyal team of volunteers who generously give their spare time to help local people.
Refurb is always in need of good quality household items to help local people: ● Fridges, Freezers & Fridge-freezers ● Washing Machines & Tumble Dryers ● Computers ● Bicycles ● Double & Single Beds ● Bedding, Curtains & Clothing ● Pots, Pans & Bric-a-Brac
If you know or are working with anyone that is in need of furniture Charity Reg: 1095810 Tel/Fax: 01253 873371 etc then we may be able to help. E-Mail recycle@refurbproject.org Refurb is a local charity set up in We operate through a network of 2002 to help individuals and referral agents which include families within the Blackpool, Wyre Housing Associations, Citizen Advice Bureau’s, Community & Fylde area access furniture, Centres, Social Services to name electrical, and other household items To improve employment but a few. If you would like to opportunities by the providing become a referral agent or would volunteering & training like to know how to get your clients referred. then contact us on the opportunities and to reduce the amount of furniture, electrical and number below other household items going to landfill.
Refurb (Wyre & Fylde) Ltd
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community FLEETWOOD CHURCHES TOGETHER I cannot believe how time is flying by! We are now into the second half of this year! So much has been packed into the last 6 months, and there’ll be even more to fill the next 6 months. Each month I’ll let you know what’s happening, when and where. Events and activities in July 2010 Friday 2 July – St. Paul’s Church, Darbishire Road, – Coffee Morning and Book Sale- 10.00am – 12.00noon. Free admission. Everyone welcome. Saturday 3 July – St. Peter’s Church, Lord Street, - Coffee Morning – 10.00am –12.00noon – to raise funds for Youth Group trip. Everyone is very welcome. Saturday 10 July – Trinity Methodist Church, Fleetwood Road, - Amazing Technicolour Summer Fair – from 1.30pm. Come along and join in all the fun – various stalls, games, facepainting, refreshments, books, raffle, and much more. Mr Looney will be there, modelling balloons, too. Admission free. More information, if required, from Bob Leadbetter – 01253 873511. Sunday 11 July – United Reformed Church, Agnew Road, - “Music and Verse for a Summer’s Night”- 7.00pm. An evening showcasing the talents of the church family, with a supporting cast of friends, not to be missed. Tickets £3.00 to include refreshments, or pay at the door. Thursday 15 July – St. Nicholas Church Hall, Broadway, - Coffee Morning – 10.00am – 11.15am. Do come along and enjoy a good “brew” and chat. Wednesday 21 July – United Reformed Church Hall, Dronsfield Road, - Friendly Coffee Morning – 10.30am to 12.00noon. Come along for a friendly chat over tea/coffee and biscuits. Good as new shop, and bookstall will be open. Raffle and tombola also available. Entry 50p, to include refreshments. Everyone welcome. Sunday 25 July – St. David’s Church, Fleetwood Road/Larkholme Lane, Causeway Worship – 3.00pm. Help those with difficulties participate in Christian worship, and learn about the
What's On glory of the Lord. Friday 30 July – Trinity Baptist Church, Poulton Road, - Luncheon – Come along from 12.00noon to 1.30pm and enjoy a lovely meal together with Christian Fellowship. Proceeds are to be shared between Trinity Hospice and Seaman’s Mission.
Church. Start with a simple breakfast, watch a DVD, play games, read a Bible story, do an activity, and pray, all in an hour. The next session will be Sunday 22 August. Dates for your diary/planner
Champions Challenge – a four-day holiday club for 5 to 11 year olds, from DON’T FORGET – Every Tuesday from 10.00am to 12.00noon on Tuesday 10, 12.00noon – Breaking Bread – St. Wednesday 11, Thursday 12, and David’s Hall, Larkholme Lane. Come Friday 13 August, at Trinity Methodist and enjoy a simple meal in excellent Church, Fleetwood Road. This course company – excellent value at £2.50. is based on Scripture Union Holiday Come earlier, and join in a short service Club material, and will be full of games, in Church, from 11.30am, then go into crafts, drama and Bible stories, helping the Hall to eat. the children achieve their personal best and work in a team. The cost is £2.00 Every Tuesday and Friday from 9.30am per day. For more information contact to around 3.00pm – Coffee Morning and Sheila Dawson on 01253 776562. Christian Book Stall – St. Peter’s Church, Lord Street. You can always Do feel free to join us at any event or enjoy a good “cuppa” and toasted service. We would love to welcome you. teacake, together with wonderful camaraderie and banter, when you God Bless come to the Coffee Stop. It’s always Macmillan Cancer Support buzzing. Charity Bike Ride HARBOUR LIGHTS invited you to Feel free to look at Cheryle’s bric-a"Macmillan Cancer Support Charity brac and book stall, have a go at any tombola etc she may have running, and Bike Ride" Start Time: 15 August at then go into Church, take the chance to 10:00 End Time: 15 August at 21:30 have a few quiet moments, maybe light a candle, then see Di on the Christian Where: Harbour Lights Amusements, Book Stall, look at the cards, gifts and Fleetwood to Blackpool North Pier books available. If you don’t see just what you want it can be ordered for Scale Regatta Sunday 11th July you. St. Wulstan’s Hall/Green Hut, Poulton Road, - Wednesday Club – joint venture by St. Wulstan’s and St’ Edmund’s 2.00pm – 4.00pm every Wednesday. If you are free, come and enjoy pleasant company, a good “cuppa”, and maybe a game of bingo. You will be very welcome. On the 3rd Saturday every month, Saturday 17 July – “Messy Church at the Mount” – children and their grownups are welcome from 10.30am to 12.45pm. Chat over refreshments, puzzles and board games, have fun making “messy crafts”, join in action songs and a short interactive service, and, eat hot lunch and cake together. For more details contact Sheila Dawson on 01253 776562, or check out the website www.messychurch.org.uk
Hosted by Fleetwood Model Yacht & Power Boat Club at Fleetwood Model Yacht Lake, Laidley's Walk, Fleetwood from 11am - 3.30pm. The event is for all types of scale model boats (sail and motor-powered). Competitors will be from model boat clubs in the north west. Cost: FREE to spectators. Log onto www.fleetwoodmypbc.org.uk What Lives Out There? Friday 16th July Join us for the sixth series of regular surveys of Fleetwood beach to look at what the tides have brought ashore. Please wear warm clothes and wellies. Time: 11am – 12.30pmVenue: Marine Hall, Fleetwood Cost: Free Age: TBC Further Information: 01253 887693
On the 4th Sunday in every month there will be “Breakfast at Trinity” from 9.30am to 10.30am, at Trinity Methodist
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COMMUNITY immediately, which was then boarded up to prevent their return. The result has been a much improved and much safer area in which to live. We are now monitoring other addresses in town that Evening all! Showing my age there, but a bit of nostalgia never hurt us and so far we are still having a cause similar problems, which affect the health and well being of their neighbours. We will seek to get lovely summer reminiscent of ’76. those that insist on behaving so badly, removed from your communities, so that you can enjoy your home Remember what I said last month though, although lives in peace. crime is low at the minute, keep those doors and windows shut and locked if you’re not in or sunbathing We have also executed a drug warrant at an address round the back. on Hatfield Avenue and we continue to look for any information that will help us target other addresses in Well I have fantastic news for you this month. We the town. We will not tolerate this drug dealing, which have now arrested a man from Liverpool in destroys the lives of our children and is the root cause connection with the abduction and sexual assault, in for most stealing and burgling. May, of a young girl in Fleetwood. He has been charged with the attack and is currently remanded in custody awaiting trial, which is testament to the effort As ever, if you have any information that will help in our fight against crime or disorder, you can call we put in to the enquiry and to the help you all Crimestoppers for free and anonymously on 0800 555 provided. 111. You may even get a reward. We have, throughout June, continued to work to resolve the PACT Panel Priorities which are set twice Sgt David Blight, Fleetwood Neighbourhood Policing a month and are based on what you have asked us to Team. focus our attention on. You can see the current priorities on the Lancashire Police website, but one of them is about too many people riding bicycles on the pavement in the town centre. As a result, the town centre Community Beat Managers, PC Rachel Bibby and PC Oliver Maughan, along with their PCSO’s have issued a number of fixed penalty tickets. However, we are still seeing many people riding there without consideration for others so we will continue to enforce the law in this area. A bicycle with all of its pointy hard metal levers, bars and pedals travelling at two or three times walking pace, colliding with someone exiting a shop is going to hurt! In addition to this, our community team in the Broadwaters area, PCSO Lisa Gornall and PC Kevin Berry, were being inundated with calls about bad behaviour, noise and damage all coming from an address on Laurel Avenue in Fleetwood. Lisa spent a great deal of time listening to residents and other people badly affected by the problems and as a result of the evidence she gathered, PC Berry successfully argued at court for an Anti Social Behaviour Closure Order to be issued. This meant that the people responsible for causing such misery to their neighbours had to leave the house almost
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community FLEETWOOD TOWN COUNCIL MEETINGS LAST TUESDAY OF EACH MONTH, FLEETWOOD LIBRARY 7 PM Next 3 meetings are on 27th July, 31st August & 28th September. Members of the public are very welcome Enquiries - 01253 773435 Events at Chatsworth Library July Tuesday 6th 3.45-4.15pm. PACT meeting. Come and talk to Community Beat Manager Ian and PCSO Helen about concerns in the Chatsworth Area. Thursday 8th 1.30-4.30pm. Help Direct surgery giving practical support, guidance and information to get the most out of life. Thursday 15th 2-3pm Chatsworth Reading group will be discussing Favourite Poems. Bring your choice and explain why it is a favourite Friday 16th Summer Reading Challenge Starts. Space Hop. Can you read 6 books before the end of the summer holidays? Register and await blast off! Tuesday 27th 11am-12pm The Whodunits Crime Reading Group will be investigating Sovereign by C J Sansom.
What's On Craft & Gift Fair
Fleetwood Library July Events Thursday 8th & 22nd: 2.00pm – 6.00pm Whodunnit? A free family event with a crime theme from the Adult College, Lancaster. Make your own secret code, look for clues, test your powers of observation, and make a pop-up detective and burglar puppet! Tuesday 13th: 2.15pm – 3.15pm Adult Reading Group. Join us for an informal chat over coffee. The book for discussion this month is: Fractured by Karin Slaughter. Friday 23rd: Time to be confirmed Space Hop: Summer Reading Challenge Launch. Join us for this exciting launch event featuring a special performance by the children of Chester's Dance Academy, with excerpts from Showtime 2010, plus space-themed activities and stories! Thursday 29th: 10.00am – 1.00pm Adult College Crime Session – Unsolved Murder. A free Adult College session with tutors from the Adult College, Lancaster, exploring the infamous murder of 6-year-old JonBenet Ramsey in Boulder, Colorado in 1996. Includes an opportunity to find out about the college's summer 'taster courses'.
Tuesday 27th 2-3.30pm. Space HopSpaceships. A craft and story event that is out of this world. Come and make a Friday 30th: 2.00pm – 3.00pm rocket and listen to stories. Space Hop: Blast Off! Make your own Saturday 31st 11-3pm. Shape Your rocket during this fun children's activity Space How would you like your library and space-themed story session. Part to look? What would you like to see in of our series of Summer Reading your library? Come to this consultation Challenge events for the holidays. and bring your ideas for the future of Chatsworth Library. Ongoing Events Baby Bounce and Rhyme. Friday Ongoing Events mornings: 11.30am – 12noon. Songs, actions, rhymes and a lot of kneeEvery Monday, Knit, Natter and Sew from 2-3pm. Bring any crafts and join in bouncing! the gossip! Refreshments will be Toddler Rhyme Time. Wednesday provided. mornings: 10.30 am – 11.00am. Join in Every Thursday, Toddler Rhyme Time with fun, action rhymes and enjoy a from 10.30-11.30. Parents and carers short story. bring your toddlers for songs, rhymes and stories. Story Time. Thursday afternoons: Every Friday, Under Fives Storytime, 2.15-2.45pm. Half an hour of stories and an occasional rhyme. Details for all events are available from: Chatsworth Library, Chatsworth Ave Fleetwood 01253 771601 chatsworth.library@lancashire.gov.uk
2.15pm – 2.45pm. Story times for toddlers and pre-school children. Enjoy stories and lots of fun activities. Fleetwood Library and Information Service North Albert Street, Fleetwood FY7 6AJ Tel: 01253 775800 Fax: 01253 775804 fleetwood.library@lancashire.gov.uk
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Saturday 17th July Sunday 18th July Large free admission marquee at Burnside Garden Centre, Thornton with a variety of British made crafts plus stunning giftware. Lots of card making supplies and accessories on sale too. 9.30am - 5pm both days. Further Information: Sandra Mather 01744 750606 Great Eccleston & District Agricultural Show Saturday 17th July - Sunday 18th July Annual agricultural show with something for everyone. Shires, cattle, pigs, sheep and goat classes. Light horse classes and BSJA jumping. Poultry, pigeon and budgerigar classes. Craft marquee, craftsmen at work, trade stands and food hall. Professional chef demonstrations. Classes for domestic science, handicrafts, cheese, horticulture, arts and children's work. Vintage tractors and vintage fairground. Special attractions: Tractor Pulling, displays by National Hawking School and Ferret Road Show. Companion Dog Show on Sunday. Admission prices - Adults £10, Children £2, Consessions £8 plus free parking. Event is held from 8:00am - 5:00pm. Further Information: Mrs Robinson 01995 679204 Fleetwood Bowling Festival Monday 19th July - Friday 23rd July Annual bowling competition in the seaside resort of Fleetwood played on the Marine Gardens and Memorial Park greens. Entry forms are available from the Marine Hall by calling the telephone number below or by logging onto www.marinehall.co.uk. Further Information: Peter Jose 01253 825377 Summer Beach Party Sunday 25th July 2010 FREE event held at Fleetwood Beach from 1pm - 6pm. There will be an alcohol free family fun day with lots of sports, beach and water activities. Come along, get active and join in the free fun at the beach. Further Information: Anne Mullins 01253 876611
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budget dining
GOURMET STYLE Gordon Ramsay protegee, chef Jason Atherton, explains how to create wonderful gourmet meals on less than a fiver.
T
he Michelin-starred Maze restaurant in London is not exactly the go-to place for budget dining. As one of Gordon Ramsay's successful restaurants, its well-heeled clientele pay around ÂŁ50-60 per head to savour executive chef Jason Atherton's heavenly fare.
But even in tough economic climes, Atherton is convinced that eating cheaply and eating well are not mutually exclusive. With entertaining at home becoming increasingly popular, Atherton is on a mission to make cheap food "exciting, beautiful and delicious". "I wanted to prove that you could go to a supermarket and spend ÂŁ10 for a twocourse restaurant-quality dinner for two," he explains. Try these spring recipes from Atherton's book:
Jersey royals with avocado, smoked trout & horseradish cream 4 Jersey royal potatoes, cleaned sea salt 2 thyme sprigs 2 garlic cloves, peeled and crushed 1 tbsp white wine vinegar 3 tbsp olive oil 150g smoked rainbow trout 1 avocado Juice of 1/4 lime Horseradish cream: 1 1/2 tbsp double cream 1 tsp horseradish sauce, or more to taste Garnish: 4-5 radishes, sliced dill leaves Small handful of pea shoots or baby salad leaves Olive oil, to drizzle
For the potatoes, bring a pan of well -salted water to the boil with the thyme and garlic added. Add the potatoes and boil steadily until cooked through, about 7-9 minutes; test with a knife. Drain the potatoes and peel while still warm. Place in a bowl, cover and chill. In a small bowl, whisk the wine vinegar, olive oil and a couple of pinches of salt together to make vinaigrette. Cut the cold potatoes into 1cm thick slices, and to the dressing and toss gently to coat. Leave to marinate in the fridge for at least 30 minutes, up to 1hr.
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Serves 4 as a starter For the horseradish cream, lightly whip the cream in a small bowl, then fold in the horseradish sauce. Cover and chill. Check the smoked trout for small bones, removing any with tweezers, then break into bite-sized pieces. Halve the avocado, remove the stone and peel off the skin. Cut the flesh crossways into slices, season with salt to taste and drizzle with the limejuice.
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food
Sea bream
with tomato & corn salsa (Serves 4)
Pink peppercorn meringues with lemon & lime curd (Serves 4) Pink peppercorn syrup: 1 tsp pink peppercorns, cracked 1 vanilla pod 100g caster sugar Meringues: 100g egg whites (2-3 eggs, depending on size) 100g caster sugar 100g icing sugar, sifted
Toss the zest strips in a small bowl with the granulated sugar to coat evenly, then place on a tray lined with baking parchment and let stand until dry, about 15 minutes. Set aside.
Passion fruit syrup: 2 passion fruit 20g granulated or caster sugar 4 sea bream fillets (about 160g each), skin on Olive oil, for brushing & drizzling Sea salt and black pepper Salsa: 1 corn-on-the-cob, kernels stripped 3 tomatoes, halved and deseeded 1 avocado, halved, peeled and stoned 1/2 cucumber, trimmed 1/2 yellow pepper, cored & deseeded 1/2 red onion, peeled 1 spring onion, trimmed 1 garlic clove, peeled 1 green chilli, halved and deseeded Juice of 1 lime 4 tbsp olive oil 2 tsp chopped coriander leaves Rocket leaves to garnish Rinse the sea bream and fillets, pat dry with kitchen paper and check for small bones, removing any with kitchen tweezers. Lightly score the skin side of the fish fillets, using a sharp knife. Cover and chill. For the salsa, simmer the corn kernels in a pan of boiling water until tender, about 6-8 minutes. Drain, refresh, under cold running water and drain well. Tip the corn kernels into a large bowl. Dice the tomatoes, avocado, cucumber and yellow pepper; finely dice the red onion, spring onion, garlic and chilli. Add these ingredients to the corn with the limejuice, olive oil and coriander. Toss to combine and season well with salt and pepper. Cover and chill for 1 hour. Brush the fish fillets with olive oil and season well. Heat a griddle pan or the grill to medium high. When hot, add the fish, skin side down. Cook for 2-3 minutes on each side, depending on thickness, until just cooked through.
Lemon & lime curd: Juice of 2 lemons (save the zest) Juice of 2 limes (save the zest) 80g caster sugar 80g eggs (about 2 large), beaten 80g egg yolks (4 medium) 80g butter, diced To finish: 1/2 tsp pink peppercorns Zest of 2 limes (in long strips) Zest of 2 lemons (in long strips) 100g caster sugar 30g granulated sugar Preheat oven to 90 degree Celsius/gas 1/4 and line a baking sheet with baking parchment. For the peppercorn syrup, put the sugar and 200ml water in a small saucepan over a low heat. When the sugar has dissolved, increase the heat and bring to the boil. Split the vanilla pod lengthways, scrape out the seeds and add them to the sugar syrup. Mix the cracked pink peppercorns with the vanilla syrup in a small bowl; set aside. To make candied lime and lemon zest, bring a saucepan of water to the boil. Add the citrus zests and blanch for 1 minute, then drain. Repeat the process twice, changing the water each time. Put the caster sugar and 100ml water into a saucepan over a low heat and stir to dissolve the sugar. Increase the heat, bring to the boil and let bubble for a minute or two. Add the citrus zests and simmer for about 3-5 minutes until softened. Remove the citrus zest with a slotted spoon, discarding the syrup.
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To make the meringues, using an electric mixer, whisk the egg whites with 2 tbsp caster sugar on high speed until thickened. Whisk in the remaining caster sugar; 1 tbsp at a time. Keep whisking until the meringue is stiff, shiny and holding firm peaks, about 4-6 minutes. Now, with a large spatula, carefully fold in the icing sugar a quarter at a time. Spoon the meringue into 4 mounds on the lined baking sheet, making a curling peak on top of each one. Dry in the oven for 40 minutes or until the other outer shell has just hardened. Take out the meringues and brush gently with peppercorn syrup. Return to the oven for another 1-1 1/2 hours until they are dry and easily peel off the paper. For the passion fruit syrup, scoop out the flesh and seeds from the fruit into a small pan and mix in the sugar. Simmer over a medium-low heat to dissolve the sugar, about 2-3 minutes. Pour into a small bowl and chill. To make the lemon and lime curd put the citrus juices in a heavy-based pan with the sugar. Dissolve over a medium heat, bring to the boil, then take off the heat. In a bowl, whisk the whole eggs and yolks together, then pour in the hot citrus syrup in a thin steady stream, whisking constantly. Return to the pan and place over a low heat. Whisk in the butter a piece at a time, then stir over the heat for 4-6 minutes until the curd thickens. Pour into a bowl, cover the surface with cling film to prevent a skin from forming a chill. When you're ready to serve, sprinkle with pink peppercorns and candied zest.
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community Fleetwood Police Station North Church Street, Fleetwood, FY7 6HN Tel 01253 876611 24hrs a day Enquiry Desk Open 8am-8pm Call 999 in an EMERGENCY ONLY, Fire, Police, Ambulance and Coastguard
Fire Safety Advice & FREE Home Fire Safety Check 0800 169 1125
Useful Numbers UK Passport Advice 0870 521 0410 Neighbourhood Watch www.neighbourhoodwatch.net
TV Licensing 0844 800 6772
Connect Young People Centre 01253 751047
Consumer Advice 0845 04 05 06 www.consumerdirect.gov.uk
Help the Aged 0808 800 6565
Tax Credit Helpline 0845 300 3900 www.hmrc.gov.uk
AGE Concern Shops Fleetwood 45-47 Lord St 01253 770557 Poulton 9 Church St 1253 899087 Bispham 155-157 Red Bank Rd
Fair Trading & Consumer Helpline 01253 478395
Mental Health Helpline 0500 639 000
Wyre District Citezens Advice 01253 308400
Gas Leaks 24hr Service 0800 111 999
Child Death Helpline 0800 282 986
R.S.P.C.A 01253 873616
Electricity 01772 555995
Cruse bereavement Helpline 0844 477 9400
P.D.S.A 01253 838585
Water Burst/No Water 0845 746 2200 United Utilities 0800 195 4141 Emergency Heating Repairs 0845 074 4002 24hrs
Drugs Talk to Frank 0800 776600 Alcoholic Anonymous 0845 769 7555 Childline 0800 1111
Coast Guard Services 0151 931 3343 / 0151 931 3341
N.S.P.C.C Child Protection 0808 800 5000
Duty Chemist Sundays - Morrisons
Parentline Plus 0808 800 2222
Fleetwood Hospital 01253 306 000
National Debtline 0808 808 4000
Blackpool Victoria 01253 300 000 Rossall Hospital 01253 300 000 NHS Direct 24hrs 0845 4647 www.nhsdirect.nhs.uk Dental Enquiries - Fylde & Wyre 01253 306378 24hrs 7 days Out of Hours Emergency 01253 308105
Christians Against Poverty 01253 875958 Missing People 0500 700 700 24hr National Domestic Violence 0808 2000 247 Help Direct 0303 3331021 Tourist Information 01253 773953
Fleetwood Health Centre 01253 771136 Knott End Ferry 01253 891000 Smoking Cessation 0845 601 2186 Wyre Borough Council 01253 89100 Out of Hours 01253 895116 www.wyrebc.gov.uk Blackpool Council 01253 477477 www.blackpool.gov.uk Fylde Borough Council 01253 658658 www.fylde.gov.uk Regenda Housing 0844 736 0066 Environment Agency 0800 80 70 60 24hrs www.environment-agency.gov.uk
Blackpool Transport Buses & Trams 01253 473000 Stagecoach 01772 886633 National Express 0870 580 8080 National Rail 08457 48 49 50 Highways Agency 0845 50 40 30 Blackpool Airport 01253 343434 Manchester Airport 0161 489 3000
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Fleetwood town
Round Up by Derick Thomas
ASSISTANT MANAGER FOR TOWN
to Fleetwood has given me a real buzz and I can’t wait to get started.”
Fleetwood Town manager Micky Mellon has appointed an assistant as his team prepare for its first season in the Blue Square Bet Premier. Football League stalwart Craig Madden, with over 400 league appearances and 150 goals, returns to the club where he finished his prolific playing career. It’s a return to Fylde coast football for the former frontman, first with Blackpool and then finishing his playing career at Highbury. “I enjoyed my time at Fleetwood after I’d finished at Blackpool. I had a couple of really good seasons once I’d settled in and I’ve some good memories.” Mellon welcomed his new appointment and maintained first team coach Steve Macauley has a key role to play next season. “I don’t always like putting labels on people and I now have support from two excellent people in Craig Madden and Steve Macauley. He’s someone Steve and I get on really well with and it’s important the work we’ve done already continues to grow.” CARDINAL ALLEN PLAYER COMES HOME
Mellon said a goalkeeper was high on his summer transfer list. “We’ve brought in an exceptional goalkeeper and we’re delighted to have Scott on board. He’s is a very good goalkeeper and I’m sure him and Danny Hurst (existing keeper) will have a good relationship.” Caley Thistle come to Highbury Former England skipper Terry Butcher brings Scottish First Division champions Inverness Caledonian Thistle to Highbury on Saturday 24th July. Caley Thistle won promotion to the Scottish Premier League last season and will join Blackburn Rovers, Rochdale, Bolton Wanderers and Huddersfield Town in pre-season games at Highbury. The Blue Square Bet Premier newcomers have announced admission for all home friendly games will be £10 adult and £5 for senior citizens and children / students. Kick-off is 3.00pm. Three Peaks Challenge One of Fleetwood Town junior’s mini-buses recent took part in the Three Peaks Challenge. The bus reliably covered 950 miles in 24 hours and one of the team members was Town’s own Tony Clowes. Tony raised funds for Fleetwood Town under 11 boy's team through his efforts. Three Peaks conquerors Left to right - Lee Gair, Karl Wilkinson, Stef Bamber, Gary Greenwood, Tony Clowes.
Fleetwood Town manager Micky Mellon has continued his summer transfer activity by signing Morecambe keeper Scott Davies. The 23-year-old attended Cardinal Allen High School in Fleetwood and lives locally. “As a professional footballer it’ll be very good to play for Fleetwood Town. I had a great time at Morecambe and played in some good games and had some good people to work with. But coming back
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43
BEST WAY TO BUILD AN OLD-AGE NEST EGG Do bricks and mortar trump poorly-performing private pensions or low-rate ISA’s as a way of building a lump sum for old age?
I
n that remarkable period from 1996 to August 2007, when the Halifax average house price zoomed from £63,900 to £199,600, many savers became convinced that it was. For a while, pensions trailed in property's slipstream.
"While it is encouraging to see the total number of buyto-let repossessions remain a relatively small percentage of the market, our experience is that when landlords do get into trouble, debt levels become very unmanageable.
There is also something transparent about regular rental income which pensions lack. Council of Mortgage Lenders (CML) figures show buy-to-let mortgages increased from 3.5% of house purchase loans in 1999 to 28.9% in 2006.
"Our biggest debt cases are currently solicitors - again, in buy-to-lets - which goes to show even professionals can get it seriously wrong," he adds.
Since the housing-market peak in autumn 2007, however, sentiment has changed abruptly and confidence remains wobbly amid fears of a 'double dip' recession. Anyone who bought a home to earn income in February 2008 is facing a 12% decline in its value which has probably wiped out much of their deposit before they begin the task of finding a tenant with a secure income. Two huge shadows have fallen across the image of buy -to-let as a safe investment. First, the debt solution comparison site IVA.com confirms a sharp rise in the number of property investors seeking serious debt advice. It reports a 53% leap in the number of investors struggling to pay creditors. Typical debts, it says, ranged from £163,000 to £201,000 - in all reported cases those saddled with property debt were middle-class professionals with big mortgage arrears. IVA.com director Terry Balfour says: "We have seen a near meltdown in the buy-to-let market, with a combination of rental arrears caused mainly by tenants losing their jobs, void periods and high fixed rate mortgages causing serious problems.
But the biggest wake-up call is the warning from Fergus and Judith Wilson, the former teachers who built a portfolio of 700 rented homes in Kent worth around £225 million at the peak.
“Buy-to-let is absolutely dead and will never return” Mr Wilson told The Guardian. The couple are selling down their portfolio after coming under financial pressure when nearly 100 properties, nearly 13% of the total, were occupied by tenants failing to pay all, or part of, their rent in October 2008. The Wilsons were saved largely by the collapse of Lehman Brothers, which saw the Bank of England base rate slashed to 0.5% in March 2009. They now pay an average 2% interest on their massive loans, on a special deal with lenders who fear the huge portfolio will otherwise be dumped on their doorstep. If the base rate hits 3.5%, the Wilsons' vast mortgage repayments would exceed rental income.
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finance Against this background, there may be limited interest in an 'exclusive' mortgage from leading brokers Charcol for new investors: fixed at 6.49% for three years, with an arrangement fee of £999 and loan-to-value limit of 80%, it is a marked improvement on the 75% limit which has been the norm for many months.
There are two standard options for small investors: either buy one property with the largest deposit possible, on a repayment mortgage, pay it off by retirement and take the lump sum profit.
The riskier approach is to buy two properties, with Says Charcol senior technical manager Ray Boulger: "If repayments on an interest-only basis. you take the long-term view, perhaps over 25 years, On retirement, sell one, repay all mortgages and timing an investment in a rentedproperty is not so income from the remaining property tops up your critical. We expect this new offer to go well. pension.
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That lump sum on retirement is a major attraction for Property investment investors, because after payment of capital gains tax - it is attractive because it is cash in hand and free of tight pension rules which force most pensioners to buy an annuity. Allows a gearing effect, when borrowed money works However, financial advisor Hargreaves Lansdown (HL) rejects bricks and on your behalf. Nobody in their mortar as a way of saving. right mind borrows money Says HL pensions analyst Laith Khalaf: to put into a pension pot "Holding one asset in one
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geographical region allows no diversification. Buy-to-let is more risky with a single property than for professionals with a portfolio of different areas and properties. "People also see property as a certain bet, assuming prices always go up. In fact, there are significant costs and void periods and because few can afford to buy a second property for cash - you are paying monthly interest on your loan as you approach retirement." Laith Khalaf also points out that investors still in work pay tax at 2040% on rental income, net of expenses and mortgage interest, while earnings on pension and ISAs are tax free. An HL analysis points out that nearly 183,500 buy-to-let mortgages were taken out in 2007, near the height of the market, representing £23 billion worth of debt. With the average age of first time buyers approaching 38, demand for private rented properties is soaring. The sector has grown from 2.1 million homes to 3.1 million since 2001. In any market, the best time to buy is when few other buyers can bear to do the same. Only the brave or, perhaps, the reckless, would swear that moment has arrived in buy-to-let.
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