Marlborough Town and Country Jan 19 by Marlborough Town and Country

TOWN & COUNTRY

People Local News Features • Teresa Mann Chiropractor

• Braving the sales • Council News

• Digitising family records • Jaguar review

PEOPLE | FEATURES | NEWS | WHAT’S ON | COMMUNITY INFORMATION

FREE Issue 129 . January 2019

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Happy New Year! Every year around this time I find myself incredulous that another year is over, and a new one just beginning. It doesn’t help that in magazine world you are always working a month ahead, so time seems to go even faster! Can you believe that the millennium was nearly 20 years ago?! As someone born in the 1960s, I remember the year 2000 being in the dim and distant future. The old adage about time flying faster the older you get is certainly true in my eyes. I suppose each New Year is a good reminder to make the most of every day, because life really is short. I’m not a big fan of New Year Resolutions (I’m not very good at sticking to them!), but I agree that it’s a good time for reflection and thinking about things it would be good to do over the coming year. Apparently, the top 3 resolutions are Exercise More, Lose Weight and Eat More Healthily – all admirable goals but as only 8% of people report achieving their resolutions, not so easy! I think my resolution this year will be to take time to appreciate what I have, and if I manage to lose weight, exercise more and eat more healthily that will just be a bonus! Good luck with yours. I hope you enjoy the magazine this month,

Editor Contact us: Andrea Jerome Address: Ivydene, High St, Wanborough, SN4 0AD Tel: 01793 791104 Mob: 07836 580699 Email: andrea.jerome@marlboroughtownandcountry.co.uk All copy for February 19 issue is due by 7th January 2019.

Contents 3 Intro 6 Teresa Mann 11 Council News 12 Braving the sales 15 Family archive 16 Lose weight with Cambridge

22 What’s On 24 Community Info 32 Jaguar review 34 Vet 36 Finance

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People

Teresa Mann Teresa Mann is a McTimoney Chiropractor, who practises in Marlborough. She has two sons, Matt, 34, and Josh, 27, and lives in Hungerford with her youngest. Tell us about yourself I’m from Newbury originally, I moved away when I started Nursing Training with the view to becoming a midwife. I gave up training when my eldest decided to come along, and concentrated on being a mum and retraining. I live in Hungerford and work in Marlborough. How did you become a Chiropractor? When I was pregnant for the second time I had a really bad back, and was looking for help to manage the pain. I found a McTimoney Chiropractor who sorted out the pain for me, and I was really impressed. She took me under her wing a bit, and having got to know me suggested that I would make a good chiropractor. That planted the seed, and a few years later I undertook the training to become a chiropractor. There are two different types of training in the UK, McTimoney Chiropractic is a particular branch of chiropractic developed by the late John McTimoney. Chiropractic is holistic and concerned with the welfare of the whole body with an emphasis on causes as well as symptoms. Many people like McTimoney because they feel that the low force, high speed techniques are gentle. How long does it take to train? Initial training was over 4 years to qualify as a Chiropractor, with a BSc(Hons) Chiropractic. I feel it is important to continue learning, and over the years I have added to my skills, which include Cranio-sacral therapy, the use of chiropractic instruments, and most recently electrotherapy and acupuncture. Keeping up with developments through Continuous Professional Development is a requirement of the profession. Is there such a thing as a typical patient? Not really, I treat both sexes and all ages, it is part of what makes my work so interesting. I treat a wide range of conditions from back pain, through to headaches and some sports injuries and people come to see me for many reasons. I really enjoy treating both children and adults. I do a lot of work with the elderly, who are a

Teresa enjoying the outdoors in Finland

pleasure to treat - they can be surprised by how much their condition improves, as they have often put their pain and discomfort down to an inevitability of old age. Having been a carer for my parents it has made it easier to empathise and work out what they need to be as good as they can be. Many years ago, I trained as a Doula, and also as a breast feeding counsellor with the La Leche League. This developed an interest in working with pregnant and post-natal women and I have attended some patients giving birth. I feel I have been fortunate to have such a wide range of ages and type of patient in my clinic – from sports person to pregnant mum, to the 94 year old who improved so much. What many of my patients have in common is the fact that they have tried lots of different things before they come to me. What do you enjoy most about your job? Even after around 15 years, it is still a real passion for me. I love dealing with so many different people and their issues – each one is different because each person is different. I enjoy getting to know patients and find it incredibly rewarding to see people get better. Often people tell me that I am their “last resort” and it’s a real pleasure when I can make a real difference to their lives.

I also like the fact that chiropractic treats someone as a whole person. I have learned much myself about nutrition and rehabilitation so can give good advice and direction.

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People I also like the fact that chiropractic treats someone as a whole person. I have learned much myself about nutrition and rehabilitation so can give good advice and direction. If needed I will refer people to others that can help them – for example nutritionists or yoga teachers. What would you say your strengths were? I feel that my 15 years of extensive experience and ongoing training are a real strength. I also think that I am empathetic, and very comfortable dealing with a wide range of people and conditions. I am sensitive to people’s needs and feel that my job is a combination of science and art. You’ve just moved into your own clinic, what prompted that? It’s been a goal for a while now to have my own space, rather than renting from someone else. It gives me more flexibility and control, and a place to keep all my equipment, not having to worry about packing and unpacking it! I still work out of the GP surgery in Market Lavington one day a week, but the rest of the time I am at Axholme House, which is next to TH White on London Road. I have a spacious room, which allows people to bring someone with them if they want to eg a partner or their children. I also now have plenty of space to demonstrate exercises for people, which is a big advantage. Parking is brilliant too, and I can be available between 8.30am and 8pm for appointments. I’ve really enjoyed getting the room together so it’s right for

both me and my patients. It has a lovely fresh, light and airy feel to it, which is perfect. What do you enjoy doing in your spare time? I don’t get a lot of spare time. I spent some time caring for my elderly parents who have since passed away –it is taking me a while to get back to some of the activities that I enjoy. One thing I enjoyed was Arabic Dancing (also known as Belly dancing). I used to take part at quite a high level in a group and we performed a lot. I even did a solo on a boat down the Nile. I first started after seeing a group with a belly dancer at Glastonbury Festival years ago – I loved the music and sought out a class. This form of dance was developed as a way for women to get together and keep fit – it’s great for your back – and is great fun – where else do you get to dress up to exercise? One of the best experiences I had was taking part in a TV programme where principal ballet dancer Deborah Bull was trying out different forms of dance, and she came to learn with my group. I’d love to start dancing again, and also to get back into yoga. I like to travel, and have spent some time in Finland as I have a friend who lives there. I enjoy the outdoors and nature, and like gardening (I grow flowers, and leave the hard stuff of growing veg to my son Josh). Do you enjoy eating out? When I get the chance. I’m mainly a vegetarian, so it can be a challenge finding a really good choice. One place I love is Eliane’s in Hungerford – they have a fantastic choice

of organic food with a great choice for veggies and vegans. Meat eaters are catered for too. I would definitely recommend it. What are you reading? I read all sorts – a novel I thoroughly enjoyed recently is The Bees by Laline Paull. Set in a bee hive, it’s a really original story. As well as fiction, I enjoy reading books on health/ nutrition/chiropractic – I don’t just see it as work. What sort of music do you listen to? I listen to a huge variety of genres – from World to classic, to reggae to 70s to Indie Rock and more. My son’s late father was a musician, and I have been around musicians most of my life. My son Matt took up the mantle to become an excellent bass player. Hence Years ago I used to get into Glastonbury Festival and many top gigs free which was fantastic. What do you enjoy watching? I enjoy going to the theatre occasionally, and I like live comedy. Open mic nights are good, and if I had to choose a particular comedian I like I’d say Stewart Lee (he’s such a clever man, and makes controversial topics into a great laugh) Going to the cinema is a treat – it was a real experience visiting one of the independent cinemas in London with plush seats and drinks service too, although usually I go to Newbury or Swindon! If you’d like to find out more about how Teresa could help you, you can call her on 07904366968 or visit her website at www.chiro-healing.com

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Housing Reform Proposals The Government has been in consultation regards reforming the way houses and flats are sold. The proposals are rather sweeping, with the Communities Secretary, Sajid Javid saying: “It’s unacceptable for home buyers to be exploited through unnecessary leaseholds, unjustifiable charges and onerous ground rent terms…It’s clear from the overwhelming response from the public that real action is needed to end these feudal practices. That’s why the measures this government is now putting in place will help create a system that actually works for consumers.” It remains to be seen just how far any of this will go, but the initial points seem to be: Leasehold Houses It is being proposed that no new lease on a house will be registered with the Land Registry. This will effectively stop there being finance available for purchase of these properties. One of the most common reasons for houses being sold as long leaseholds is this allows a housing estate to have service charges for the maintenance of common parts such as roads, these generally operate through management companies, and can lead to unfair charges.

In part this is developer’s way of dealing with the issue positive covenants. These are covenants that require a positive action, for example to spend money or maintain things such as private roads, but positive covenants do not run with the transfer of the land, so maintenance can peter out to everyone’s detriment. The government is looking to stop this and reform how covenants and easements work to make them easier to make the obligations run with the land. I draft bill is planned for 2019. It is planned that some of the protections currently afforded to leaseholders will also apply to freeholders who pay service charges. In particular it is proposed that they will be able challenge service charges through the First-Tier Tribunal. All of this has begged the question, what is a house as opposed to a flat, maisonette, or something far more peculiar? It seems that there will need to be a solid definition if problems are to be avoided and it is one of the main areas of focus. Leasehold Flats Under the proposed legislation ground rent on new flat leases will be capped at £10 per annum, there seems to be

some confusion here with some literature stating zero in some cases. It is currently intended that this will apply to both the surrender and renewal of leases as well. The government also wishes to have legislation concerning the assignment of leases concerning Landlord’s response times and fees to the leaseholder, the aim being to make it easier for a leaseholder to sell. This legislation could have a profound effect on the home ownership and it shall be interesting to see what is put to and survives being debated in Parliament.

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The Greyhound

Christmas Lights Switch-on 2019!

Another fabulous Christmas Lights Switch-on took place on Friday, 30 November with hundreds turning out to enjoy the start of Marlborough’s festive season. Father Christmas was kept busy in his Grotto right through until it was time for his reindeer to whisk him away. The Christmas Market was exceptional, lining the centre of the High Street with lots more stalls than in previous years, all offering a wealth of gifts, food, drink and more. There were children’s fairground rides to enjoy too. Our compere, Mark Jones, ably assisted by Nigel Kerton, did an excellent job keeping the crowds entertained and introducing our talented acts onto the stage - St John’s Band, Marlborough Academy of Dance & Drama, Eleanor Williams and Kirsty McLean, the Marlborough Community Choir and rounded off by popular local band, The Vooz. Our Mayor, Cllr Lisa Farrell, was escorted by Father Christmas in his sleigh as she, her Macebearers and the Town Crier made their way to the stage. There she met TV’s Paul Martin and presented Andrew Barnett with his award as Citizen of the Year. Then everyone

joined in for the countdown and switched on those lights. Our thanks go to all those involved – The Rotary Club, The Lions Club, Wheelers Electrical Contractors, Five Star Security, TH White, David Owen & Co, Pino’s Ristorante, Charles Winchcombe & Sons, David Dudley Jewellers,The Food Gallery, The Polly Tea Rooms, Tesco, Waitrose, Canalside Christmas Trees, SLCA, the Showmen’s Guild and volunteer marshals.

A Special Person.. . .

Marlborough’s Citizen of the Year is Andrew Barnett who was born in Mildenhall and moved to Marlborough almost 30 years ago, since when he has been a volunteer for the 2nd Marlborough Scouts. During that time he has taken on various roles from Assistant Cub Leader to Group Scout Leader. Andrew volunteers because he really enjoys working with young people and seeing

them grow in confidence, achieving things they believed were beyond their reach. He has arranged overnight camps and lots of outside activities as well as giving children the chance to learn new skills from archery, climbing and abseiling to axe-throwing (Andrew is actually a ualified axe thrower!) Sometimes his work has included involving young people with special educational needs and Andrew has been pivotal in helping to make sure they are seamlessly integrated into the scouts. It’s a family affair – Andrew even met his wife through scouting and they became engaged during a scout camp. In fact, his children (3 daughters and a son) have been through beavers, cubs and scouts. Amazingly, he fits all of this around his job as a Quality Control Engineer at a local company. Andrew, in his own words, says: “One of the best bits about volunteering with the scouts is seeing and making amazing lifelong friends.” Thank you to everyone to nominated Andrew and others for this award. We have a very worthy winner.

Happy New Year! The Town Mayor, Councillors and staff wish all readers a very Happy New Year!

The Town Council offices re-open after the Christmas break from 10am on Wednesday, 2 January 2018. Emergency contact details can be found on the Town Council website at www.marlborough-tc.gov.uk Comments and enquiries to the council are always welcome, you can contact us on:Tel: 01672 512487 Email: enquiries@marlborough-tc.gov.uk Web: www.marlborough-tc.gov.uk fficial news from Marlborough Town Council

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Lifestyle

Braving the sales! Don’t you just love the sales? No! Not any more. I’ve had enough. I am, in fact, the post Christmas “Grinch”. Sales used to be few and far between and full of promise with the genuine prospect of a bargain. Nowadays, they last all year, or so it seems, and the prices are barely different. Each year, after the Christmas hibernation and indulgence, we venture out of the house and someone helpfully suggests a trip to the sales. “Ooo, yes, how exciting” and off we all go. Each year, I forget that the last year I vowed and declared never again to set foot in the January sales. As soon as I get close, I remember why. Mind you, even getting close to the sales is an achievement. I have sat in queues to get into towns to get into car parks to get into sales and still, I forget every year. The car park itself is often itself a hotbed of angst and marital dispute. Parking in a busy car park with the whole family back seat driving and critiquing the driver’s parking is always scope for a good old row. That is, of course, after you have found a space. You circle the car park, beady eyed (just like the fifty other waiting cars), visualising the perfect space. Then, some poor unexpecting shopper emerges from the shops, laden with bags, hundreds of pairs of eyes instantly on them, willing them to go to a car near you then and leave a space. It’s like a David Attenborough show and you can just hear the commentary in your head, can’t you? Better still, if you get the opportunity, you can slowly stalk your prey/ the shopper in your car in the hope that you get that elusive space. If your luck is in, they may turn and you can then mouth and gesticulate “ARE YOU GOING?” (cursing the shopper who shakes their head as they are simply putting their bags into the car for another round of shopping – grrr!).

Then there is the wild west stand off for the space. You have queued, you have waited in line and the space is almost yours for the taking. Then, comes the maverick driver, driving the wrong way around the car park and heading for your space. The spaghetti western music starts in your head. You tilt your Stetson with the tip of your pistol, close your eyes and go for it. The space is yours! The whole family cheers. Yes, you are the conquering hero. Well, you are until you then face the new challenge of “hunt the working ticket machine” for the next half hour. Exhausted, you peer into the many shops and see a jumble of items in the sales. All effort to present and colour coordinate gone and the pile it high sell it cheap mentality taking over. As you focus your eyes, all you can see are the items that you already own, prices slashed, whilst everything else seems to remain the same. You have to buy something. After all, you have made it to the sales. So you do. Home again, hours later, you lie on the sofa and peep into your bag. Remind me, why did you buy those bright pink fluffy socks? Well, it is the sales isn’t it?! Fiona Kellow Fiona Kellow is a working mum of two. When she isn’t running around after her family she is a Partner at Thrings Solicitors, specialising in family law.

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Organisation

Archiving family records January has never been a good time for me to keep resolutions â&#x20AC;&#x201C; September is my January. The summer must give me a boost of energy which keeps me motivated to keep going! However, the new year is a great time for reflection and I think a kinder way of taking stock. Rather than struggle to give up things I enjoy when it is all dark and dingy, I look forward to things the new year might bring: a family event, a holiday, a new project. So, what am I looking forward to in 2019? Well I have been inspired by a current clientâ&#x20AC;&#x2122;s project where we are putting together the family archive and digitising it. She and her siblings lost their parents a couple of years ago and having dealt with all the formalities their attention has turned to what they should do with all the family photos and papers. Their parents lived full and interesting lives with some historic achievements which the family really wanted properly documented. My client has stepped forward to act as the family archivist and had called me in to help with the two metre stack of photo albums, the one box of other photos and videos, ten boxes of papers related to two books already published and one unfinished book which they would like to get completed and published. It is easy to see why the

task might seem overwhelming as well as having to manage the inevitable emotions. By digitising the archive, it becomes much more accessible for the wider family. Once we have a system in place it can be replicated for current and even future generations. It has spurred me to do with same in 2019 especially as there are so many ways to capture and present family stories â&#x20AC;&#x201C; it will have a lovely thing to look back on in January 2020. If you are inspired to do the same but not sure where to start, I would love to share with you some tips and tricks I have found work well over the years. Why not give me a call on 01672 550657. Sammy Ryan, Strictly Organised

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Lifestyle

Try the Cambridge Weight P lan Every year at this time around a third of people resolve to lose weight, probably driven by the New Year Resolution tradition and the fact they have over indulged over the festive season. While we are realising more and more that life is not about achieving some unattainable ideal, we are also more conscious of the benefits of living a healthy lifestyle. Maintaining a healthy weight helps those dealing with Osteoarthritis, IBS, heart disease, ulcers, sleep apnoea, depression, diabetes, breathlessness, to name a few medical issues made worse by carrying that extra weight.

The Cambridge approach has been proven to work more successfully for overweight patients in a recent NHS trial. In a study those following the Cambridge Weight Plan with one to one support lost an average of 10.7kg, versus 3.1kg weight loss for those following the usual NHS care routine. If you would like to find out more visit www.bmj. com/content/362/bmj.K3760 to see the report in the British Medical Journal.

To confuse things, nutrition continues to be a minefield. ull fat can now be healthy (not all of it), and sugar is the enemy. One truth is that processed foods are not helping us at all. Our digestive systems are overloaded, trying to digest foods that are filled with additives and toxins used to preserve all of those easily available and cheap ready meals.

The Cambridge Weight Plan has been around for over 30 years. This British company uses a medical team and research and trains its Consultants to a high standard. The plan is easy, and the results are stunning! You make an appointment to see me and we get to know each other, filling out a medical record form so that we can find the right step for you. We can help diabetics and will always ensure that it is safe for you to follow a particular plan, sometimes consulting your GP. (Again, this approach is now backed up by research). I weigh and measure you and we both decide, according to your needs and lifestyle the right plan for you. We then meet up every week or two. The diet costs from ÂŁ50 per week for your food including consultations and support.

The Cambridge Weight Plan comes to the rescue. We understand how easy it is to use the pleasure of food to give us a boost and to feed our habits. The Cambridge Weight plan is a researched diet consisting of delicious vitamin packed shakes, soups, bars and meals. You can start with just those, or add food. There are 6 steps which help you to lose and maintain your new weight. Your Consultant will give you individual 1 to1 support and guide you every step of the way. Personalised encouragement from someone who understands how it feels when you are not feeling your best and someone who has successfully used and may still be using Cambridge. There is no doubt, that as a Cambridge consultant for the past 13 years, I have helped hundreds of male and female dieters to achieve their goals. It can be tough at times but so rewarding when you see the smiles, not to mention the shiny hair and clear skin. It can be truly life changing.

Why not give me a call for a chat and a no obligation meeting so that we can discuss your needs? Make that much needed change now for your health and wellbeing and youâ&#x20AC;&#x2122;ll see a difference sooner than you think! Jill Sudbury Your local Cambridge Consultant, ex registered Nurse and therapist Wellbeing Clinic 01672 513583 www.cambridgeweightplan.com Facebook: Cambridge Consultant Jill Sudbury

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What’s On

What’s On January 2019 Superstars of Wrestling Date: Friday 4 January, 7pm Venue:Marlborough Town Hall

Two hours of live family entertainment with wrestlers from all over the world taking on the very best of Great Britain. Perfect Christmas holiday treat for the whole family. Tickets on sale now adults £11, children £9 Call: 0121 472 6688 to check times and cancellations

History Society

Date: Thursday 17 January, 7.30pm Venue: St Peter’s Church Marlborough Clyde Nancarrow talks about The Merchant’s House - a history of the restoration project. Non-members welcome at £4 a head.

The sense of an ending

forms available in the church in the New Year.

Ramsbury Roxy The Sense Of An Ending (15)

Date: Friday 18 January, 7.15 for 8pm Venue: Ramsbury Memorial Hall

A man becomes haunted by his past and is presented with a mysterious legacy that causes him to rethink his current situation in life. Licensed bar. Tickets are £4 in advance from Ramsbury Post ffice and Midway Stores, £4.50 on the door. Full details at ramsburyroxy.org

Quiz Night

Date: Friday 25 January, 8pm Venue: St Peter’s Church Marlborough The Trust that runs the church returns with its annual brain-teasing, mind-boggling array of questions. Tables of 6-10 persons at £5 per person. Light refreshments provided. Application Jennifer Pike ©Tom Barnes

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What’s On Collective – An Open Art Exhibition

Date: until 5 January 11am - 4.30 pm (Open Tues – Sat) Venue: Swindon Museum and Art Gallery The first pen Art Exhibition at Swindon Museum and Art Gallery, all works are available to purchase. See swindonmuseum andartgallery.org.uk for more info.

Pantomime - Aladdin

Date: Until Sunday 6 January 2019 Venue: Wyvern Theatre, Swindon

Edie

Marlborough College Concert Series

Date: Sunday 20 January, 3pm Venue: Memorial Hall, Marlborough College Concert with Jennifer Pike on violin and Jeremy Pike on piano. Programme to include: The Lark Ascending by Vaughan Williams, and music by Bach and Wieniawski.

Brilliant Young Pianist Recital

Date: Sunday 27 January, 7.30pm Venue: St Peter’s Church Marlborough Dominic Degavino, winner of the Royal Northern College of Music Gold Medal and performer at the Edinburgh Festival, plays Bach, Haydn, Berg and Schumann. Tickets from

the White Horse Bookshop and Sound Knowledge or on the door on the night £10/£8.

Ramsbury Roxy Edie (12A)

Date: Friday 1 February, 7.15 for 8pm Venue: Ramsbury Memorial Hall

eaturing magnificent scenery, beautiful costumes, a lamp-full of laughter and an Aladdin’s cave of spectacular surprises, it’s the perfect treat for the festive season and a wish come true for all the family! Tickets from £19 Book at swindontheatres.co.uk

Sheila Hancock stars as 83 year old Edie who believes that it is never too late - packing an old camping bag, leaving her life behind and embarking on an adventure she never got to have - climbing the imposing Mount Suilven in Scotland. Licensed bar. Tickets are £4 in advance from Ramsbury Post ffice and Midway Stores, £4.50 on the door. Full details at ramsburyroxy.org

Further Afield

Aladdin

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Community Information

Community Information These pages detail useful local numbers and community groups. If you have a group or society you would like featured here please telephone 01793 791104 or email aj@marlboroughtandc.co.uk

Local Societies and Groups Air Cadets (2293 Marlborough Squadron) Marlborough Air cadets welcome all young people aged 13-18 who are interested in Aviation and Adventure: Parade nights Tues and Fri 1900-2130 Follow us on Facebook www.facebook.com/ 2293MarlboroughAirCadets Email 2293@aircadets.org 01672 516811 Dance Classes in Marlborough Ballroom and Latin American dance classes, and for those with no partner Dancersize sessions. Please contact Amanda on 07882-882030 or email learntodance@mac.com for more info Depression Alliance The Marlborough and District SELF-HELP GROUP meets the first Tuesday of every month. If you’ve got depression, or know someone who might benefit from being part of our group, please get in touch. Call 0845 123 23 20 for location details. Stained Glass Lessons. Wed.& Thurs morning 9.30-11.30. Mon.Tues.& Wed evening 7-9. Suitable for all, learn stained glass or kiln-formed glass. Held at; Ogbourne St. George. Contact jeannette 07977 053363 or jet@jeannettetherrien.com Girl Guides Meet Tuesdays during term times at Manton Village Hall 1st Marlborough Rainbows, 4.45-5.45pm, Contact fryrachel@yahoo.co.uk 1st Marlborough Guides, 6-7.30pm Contact firstmarlboroughguides gmail.com Jubilee Centre Day Centre (Mon, Tues and Fri) and Drop-in Centre (Wed and Thurs - Lunch served 12.30pm £5.00) for over sixties. For more information phone Carole Walkeron 01672 513087 Kennet Accordion Orchestra Meets on Monday night from .30pm, in roxfield and has a wide playing base of players from Swindon through Marlborough to Newbury and encourage accordion players of all standards to join and enjoy a varied selection of music from pop through to classics. The current Southern Area Champions and established throughout the region for its diverse repertoire. Contact Nigel Pasby A.B.C.A.(t.d.) L.B.C.A. on 07894032757 or email nigelpasby@gmail.com For more information go to www.kennetaccordionorchestra.com

Kennet Badminton Club We are a friendly club fielding six teams in the windon and District Badminton League. We have accredited coaches, a competitive player base and a friendly social aspect. Club nights are held on Mondays from 7.30 pm to 9.30 pm throughout the winter at St. John’s Academy, Marlborough. New members are welcome. For more information please visit www.kennetbc.co.uk or contact Kennet Badminton Club Secretary on 01672 515526 Kennet Community Transport KTC runs a minibus with tail lift for people for whom normal transport is impractical. Contact the driver on 07850 356572 or Alexander Kirk Wilson on 01672 513861 Kennet Valley Driving Group RDA carriage driving for adults (16+) with physical disabilities. New volunteers and participants welcome. Sessions on Tuesday and Thursday mornings at Rockley. For more info call the Secretary, Maggie Lewis, on 0846 241 5396 or email kennetvalleydrivinggroup@gmail.com Kennet Valley National Trust Association Monthly meetings with speakers on a variety of subjects, summer outings to interesting places and social events. For more information please call Ann King (Chair) on 01380 727130 or Rhona Wilkinson (Membership Secretary) 01380 726433 Learn To Play Bridge Lessons for Absolute Beginners & Improvers Friendly club sessions also available Marlborough Area, No Partner needed Friendly relaxed atmosphere Please contact Andy Hill for further details and availability 01380 724725 Line dancing Meet every Tuesday (except August) at St John’s School, Marlborough Class runs 7-10 pm and covers beginners through to advanced Contact Natasha on 07917 806019 or natasha67@hotmail.couk Marlborough Accordion Orchestra Rehearsals on Monday in Wesley Hall Marlborough. Training Orchestra 6.30p.m. / Main Orchestra 7.30 p.m. New and experienced players of all ages welcome. M.D. David Watson. Contact 01672 512634 Marlborough and District Link Scheme Marlborough Link is a charity dedicated to assisting the disadvantaged members of our community, whether because of age, physical or mental disability, poverty or absence of public transport.If you need us, or if you would like to help please telephone 01672 288007. Marlborough Brandt Group MBG is best known for its 30 year link with and support for the Muslim community of Gunjur in The Gambia, West Africa. If you are interested in becoming a friend, volunteering or visiting Gunjur for an extraordinary experience please contact us 01672861116, or info@mbg.org or visit www.mbg.org

To advertise please call 01793 791104 or email: aj@marlboroughtandc.co.uk

Home Efficiency & Home Safety Gas Safe heating engineer, British Gas trained with 25 years experience serving Marlborough and surrounding villages, with a focus on supporting customers to achieve efficient and safe heating solutions

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Service, repair and installation of Gas fired central heating / boilers / water heaters / domestic gas appliances / gas fire & Aga

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LPG Certified, Oftec for Oil Appliances, Unvented water cylinders

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Landlord Certificates Installation of wireless control units (Hive)

Contact Stuart Tanner on:

07748 604 652 Stuart.Tanner@Countrygreenheating.co.uk

Beautifully Hand Sewn Made to Measure Upholstery Service Telephone / Fax: 01672 541 263 Upham Farm, Upper Upham Aldbourne, Marlborough Wiltshire SN8 2LG Email: sewmuchmore@live.co.uk

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Community Information Marlborough Choral Society Rehearses on Monday 7.45 to 9.30pm in Christchurch, New Rd, Marlborough. New members welcome, for more information Tel 01793 812175. Marlborough Concert Orchestra Rehearsals take place on Tuesday evening at Christ Church, New Road, Marlborough, 7.30 pm Anyone wishing to join is invited to make contact with the orchestra through the website www.mco.org.uk Marlborough Gardening Association Welcomes anyone with an interest in gardening. Meetings or visits most months throughout the year. For more information call Tricia Hayllar on 01672 512435, www.marlbga.org.uk. Marlborough & District Farming Club Meets every third Thursday of the month, September through to June, with a Ploughman’s Supper and a varied programme of interest to members. Meetings in Oare Village Hall 7.30 pm and four times in the winter at All Cannings. Open to anyone interested in country life Secretary Diane Strong 01672 563371 email dianemstrong@aol.com. Marlborough and District Concert Club Marlborough and District Concert Club was founded in 1980 in order to take advantage of some of the many first class professional musical events available within coach distance of Marlborough. We arrange visits to concerts in Basingstoke, Bristol, Bath, Cheltenham, Southampton and Reading and occasionally London and Birmingham. We normally go to 11 concerts each year: orchestral, chamber music, recitals and opera. For more information call Tom Massey, 01672 516610. Marlborough and District Dyslexia Association The MDDA is a small, independent charity which has for the last 22 years supported local schools, hundreds of dyslexics and their families. Helpline 07729452143, website www.marlboroughdistrictdyslexia.org

Marlborough Floral Club. Please come and join us....we meet at 2pm the first Thursday of each month at Mildenhall Village Hall. Guest demonstrators, and the arrangements are raffled at the end of the meeting. or more info please call Mary Throup - 01672 861279. Marlborough Freemasons Meet once a month in the Masonic Hall in Oxford Street. Far from the myth of being a “secret” organisation, members are openly proud of their membership, and of the work that the Lodge does to support local organisations and charities. More details from Secretary Steve Aubertin on 01672 513316 or e-mail him 1533@pglwilts.org.uk Marlborough History Society Founded in 2001 the Society celebrated its tenth anniversary in 2011. Meetings are held at St. Peter’s at 7.30pm on the third Thursday of most months. New members are always welcome. For more information call 01672 519338. Web site: www.marlboroughhistorysociety.co.uk Marlborough Macular and Low Vision Support Group This group meets on the last Thursday of each month in the White Hart – formerly Conservative Club- 116 High Street, Marlborough, from 3pm till 5pm. All aspects of financial and personal support are discussed, and also social activities take place. Open to anyone with sight problems and their family/carers. Details from Gordon 01672 514925 Marlborough Penguins Amateur Swimming Club. Swimming teaching/training for ages 5years to Masters. Tues/Thurs/Sun at Marlborough Leisure Centre. Please contact Alan Crook 01672 512757 for details.

Marlborough and District Rotary Club Rotary is an International Organisation of professional and business people who meet every week for fellowship and service. Meetings every Monday evening at Marlborough Golf Club. For more information visit www.marlboroughrotary.org.uk

Marlborough Police Station Enquiry Office is now only open Tues 0900 - 1700 (closed 1245 1315), Weds 0900 - 1230 and Thurs 0900 - 1700 (closed 1245 - 1315). Please call in to check if your lost property has been handed in, as well as report crime, traffic collisions, produce driving documents, and much more.

Marlborough Big Band Rehearsals on Fridays 7pm to 9pm at Mildenhall Village Hall. We play a wide range of popular, swing and jazz music and have members aged 16 to 80+. New members of all ages welcome. For more information contact David on 07500 635870 or email: david@baker30.co.uk

Marlborough Tennis Club Marlborough Tennis has 6 new courts and floodlights. We are based at Port Hill, Marlborough SN8 1DU. (Entrance via Marlborough Golf Club) Everyone is very welcome to join us for social & league play, cardio-tennis, coaching etc. Contact Barbara Jones 516635

Marlborough Bowls Club Tel: 07747 833436 Secretary Mrs A. Watts 01672 511335 Outdoor season April - October. New members always welcome, coaching and advice available Monthly networking breakfasts, see www.chambernews.biz for more info.

Marlborough WI Meetings take place on the 1st Wednesday of every month at Wesley Hall, Oxford St from 7.30-9.30. New members very welcome. For further details call 01672 514177

Marlborough & District Lions Lions serve the local community by organising events to raise funds for local and national deserving causes. If you would like to join or need support please ring

John Edmunds 01672 512650 or Karen Hilditch 01672 513282

Mildenhall Gardening Club - New, very informal and friendly group, currently meeting at the Horsehoe in Mildenhall on the 3rd Wednesday every month at 7.30pm. For more information contact Milly on 07876 230 540 or millycarmichael@hotmail.com

To advertise please call 01793 791104 or email: aj@marlboroughtandc.co.uk

Community Information Pewsey Tennis Club A friendly club with first class facilities and coaching groups for all ages and abilities. Private coaching available. For more info please see our website https://clubspark.lta.org.uk/pewseytc or contact Martin Wright Head Coach 07855 887 568 Phoenix Brass Band Rehearsals twice weekly in roxfield. Training and on Saturday mornings. New and experienced players of all ages welcome. Contact Musical Director David Watson 01672 515176 Pilates classes Pilates classes for all levels around the Marlborough area. Please contact Caroline McCord on 01672 511360 or 07817503546 or caroline@backinbalancepilates.com Angie Sanders - Classes are held in Aldbourne. 1:1 tuition available, angiesanders2@icloud.com or 01672 540176 Pottery Lessons Adults:Mon.7-9pm, or Thurs.7-9pm Children’s: Wed. 3.45-5.15. Beginners and more experienced welcome. At Wagon Yard Artists, off London Rd, Marlb. Contact Jacqui 07773 271572 or jacqui.melhuish@btinternet.com Sarsen Songmen A small male voice choir rehearsing in Aldbourne (1st, 3rd and 5th Thursdays 7.30 pm), wide repertoire including Barbershop, occasional performances in the local area. New members welcome: contact MichaelReynolds on 01672-511199. Savernake Badminton Club Savernake Badminton Club is a small friendly club that is long established and affiliated to adminton England. We meet on Tuesday evenings between 7.00 and 9.00pm at the Sports Hall at St John’s School, Granham Hill, Marlborough. For further details telephone Roy Turner on 01672 810208 or Barbara Jones on 01672 516635 School of Tae Kwon Do (P.U.M.A.) Classes are held at Marlborough Leisure Centre on Tuesday evening (7 - 8 pm), and Friday evening (6 -7 pm), and are suitable for all ages from 7 years upward. Please phone John or Carol on 01793 850410 / 07799 566805 for further information. Scottish Country Dancing Manton Village Hall - Wednesday evenings Beginner session followed by more experienced dancers.Contact Jennifer Parker 01672 515151 St Peter’s Church Marlborough A redundant church now managed by a Trust, featuring a Coffee Shop and a Craft Shop. The church is open daily 10 am - 5 pm, except Saturdays when it opens at 9 am, and on Sundays from March to December 11 am - 4pm The church is available for hire for exhibitions, meetings, lectures and concerts. For bookings please contact David Du Croz on 01672511725 or email at du.croz@btinternet.com T’ai Chi at Burbage Tai Chi is an excellent exercise designed to strengthen the back and improve general well-being. Open to

men and women. New members and beginners are most welcome. Sessions every Thursday, 10-11am and 11.30-12.30 in Burbage Village Hall More details contact Louise on 01672 810421 or email taicburbage@gmail.com. The Friends of Savernake Hospital and the Community – A local charity helping people with health-related issues both at Savernake Hospital and in the Marlborough Community Area by providing grants of up to GBP10,000. For information on applying for a grant or on becoming a volunteer at the Friends’ Shop at Savernake Hospital, visit the Friends’ website at www.friendsofsavernake.org or contact the Friends’ Chairman, Janet Louth, on 01672 513868. The Merchant’s House This historic 17th century silk-merchant’s house at 132 High Street is being refurbished by a charitable trust. Regular lectures and concerts are held and there are opportunities for local people to work as volunteers or house guides. The House and garden are open to visitors from 1st of April to the end of October on Tuesdays, Fridays and Saturdays 10.30am-3pm and by appointment at other times. Become a ‘Friend’ and enjoy enhanced membership benefits. or more information contact Sophie Costard 01672 511491 Web site: www.themerchantshouse.co.uk Transition Marlborough aims to inspire and motivate people to work together, and support each other, in reducing their reliance on fossil fuels, building a stronger sense of community and so increasing our communities’ resilience. This will strengthen the local economy to create livelihoods for local people and provide a greater level of wellbeing for all. Our Hub group meets on the second Thursday of the month, usually at the Green Dragon, at 7:30pm. Do join us. For more information, contact Alexandra on 07771 347 379 email secretary@transitionmarlborough.org, www.transitionmarlborough.org University of the Third Age U3A provides learning and leisure opportunities in the Marlborough Area for those who are retired or semi-retired. For information on interest groups and membership please visit www.u3ainkennet.org.uk or email membershipsec@u3ainkennet.org.uk or call the Membership Secretary, Nick Swan, on 01672 519331. Watercolour Painting Classes Classes on Wednesdays 10.30am – 12.30pm and Tuesdays 7.30pm – 9.30pm With professional artist Colin Palmer at his studio in central Marlborough. Suitable for beginners and the more experienced. Call Colin on 07835 039 812 or colin@colinpalmer-illustration.co.uk for more details. Yoga classes for all abilities. Enjoyable Yoga classes in and around the Marlborough area. Please contact Lizzy Hawnt on 01672 841553, 07821 396 430 or e-mail hawnted.house@btinternet.com Yoga for Men Tuesday evenings 7.30pm -9.15pm for all abilities including beginners at Minal Village Hall,

To advertise please call 01793 791104 or email: aj@marlboroughtandc.co.uk

Winter Sale throughout January.

Community Information Mildenhall Please contact Jonathan Heath on 01672 513738 e.mail: jonathan@samtosha.co.uk Aldbourne Village Green A voluntary organisation managing a community orchard and running a twice yearly market for local bakers, makers and growers on the Green. New volunteers and traders welcome. For details contact Lesley on 01672 540180

Parents & Toddlers

Chilton Chicks Toddler Group Join us for a variety of crafts, toys, snacks, a cuppa and a chat. New faces are always welcome. Mondays 9.30-11.30am in the Chilton Foliat Village Hall (Next to the Wheatsheaf pub). Adults £1, Toddlers £1 & under 6 months are free. Call Liz on 01488 684526 for further details. Creepy Crawlers meet Fridays 10 – 11.30am at the Scout Hut, Marlborough Tel: 01672 811495 The Corner House Children’s Centre offering information, support, advice and activity sessions to families with children 0-5 in Marlborough and the community area. George Lane Car Park Tel 01672 513010 Great Bedwyn Playgroup fsted utstanding Playgroup for 2 to five year olds, Monday, Tuesday, Thursday and Friday during term-time. Toddler group for 0 - 5 years olds, every Wednesday during term-time. Sessions include crafts, snack, story and music time, and outside play area. Great Bedwyn Village Hall, Frog Lane, Great Bedwyn, near Marlborough SN8 3PB Tel. 01672 870 179 or visit www.greatbedwynplaygroup.org.uk Home-Start Calling all volunteer parents....Could you help make a difference for young families? Many parents need help, friendship, advice or support during those early years when children are young. Your experience as a parent can help others. For more details contact Home-Start Kennet 01672 569457 Junipers Creative and sensory play for babies to preschoolers. 01672 890829, wwwjuniperscreativeplay.com Little Dabchicks Parent and Under 4’s group, meets Thursday mornings 9.30 - 11.30 Term time.In the Aldbourne Methodist Hall, Lottage Road Zoe - 01672 540439 Little Dragons Pre School Ogbourne St George Village Hall All children aged 2 - 5 years welcome at our well established pre-school held in a quiet village setting in Ogbourne St George. It is a warm, friendly environment where we are open Monday to Friday for mornings 9.05am to 12.05pm or 1.05pm (if staying for lunch) and all day Wednesdays until 3.05pm. For

more information email linda@littledragons.org or call 07855 026083. Alternatively do look at our website at www.littledragons.org. Manton Preschool. Based in the heart of the beautiful village of Manton our well-established friendly Preschool provides exemplary education for 2-5 year olds. We are a “Good” Ofsted setting providing Rising Fives sessions as well as healthy snacks, crafts, singing, story time, French, outdoor play and much more. For more details, please ring 01672 516675. Marlborough and District NCT We have an active group in Marlborough, with courses, events and ‘Bumps and Babes’ cafes. The cafes are an opportunity to meet other parents, grandparents and parents-to-be for a coffee and a chat. For more information contact nctmarlborough@yahoo.co.uk or go to www.nct.org.uk/branches/marlborough. Ramsbury Parent and Toddlers meets Wednesdays 10 – 12 in the Memorial Hall Tel: 01672 520961 Sunflowers at Grafton is a Nursery & Pre school for children aged 0-5 situated in beautiful East Grafton. Open from 8am-6pm, 51 weeks each year, morning & afternoon sessions are available. unflowers is community run on a not for profit basis. or more information see www.sunflowers grafton.co.uk or call 016 2 810 8

Doctors

Ramsbury Surgery Tel:01672 520366 The Marlborough Surgery Tel: 01672 512187 Wiltshire Out of Hours Service Tel: 0300 111 5717

Leisure

Herongate Leisure 01488 682000 Marlborough Leisure Centre 01672 513161

Local Government

Marlborough Town Council 01672 512487. See www.marlboroughtowncouncil.gov.uk for full details of council meetings Wiltshire Council 0300 456 0100

Schools

Marlborough St Mary’s Tel: 01672 513101 Ogbourne St. George & St. Andrew C of E Controlled Primary School Tel: 01672 841318 St Michael’s CE Aided School, Back Lane, Tel: 01672 540434 Ramsbury Primary School Back Lane, Tel: 01672 520244 Preshute Primary School Tel: 01672 512754 St John’s School and Community College Tel: 01672 516156 Stepping Stones Pre-Prep School Tel: 01488 681 067

To advertise please call 01793 791104 or email: aj@marlboroughtandc.co.uk

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The Avenue Day Nursery Our new Nurseries in Aldbourne and Mildenhall The The Avenue Avenue Day Day Nursery Nursery are are excited excited to to announce announce the the opening opening of of our our new new Nurseries Nurseries in in Aldbourne Aldbourne and and Mildenhall. Mildenhall. Set Set in in beautiful beautiful barn barn conversions with large outdoor spaces, offering the FULL 30hrs conversions with large outdoor spaces, offering the FULL 30hrs funded funded sessions. sessions. Get -- From Get In In Touch.... Touch.... From 00 to to 44 years years of of age age -- Open Open 51 51 weeks weeks of of the the year year -- Large Large Outdoor Outdoor play play area area -- Two year old funding Two year old funding available available

Aldbourne Aldbourne 01672 01672 541730 541730 Mildenhall 01672 Mildenhall 01672 515763 515763 amber@avenue-nursery.co.uk amber@avenue-nursery.co.uk www.avenue-nursery.co.uk www.avenue-nursery.co.uk

Full 30hr funded sessions available The The Avenue Avenue Day Day Nursery Nursery www.avenue-nursery.co.uk www.avenue-nursery.co.uk

Road Test

Jaguar E Pace I reviewed Jaguar’s F Pace SUV a while ago and was very impressed by its good looks, sporty handling and stylish interior – little surprise it became the fastest selling Jaguar model ever. Even so, Jaguar is struggling a bit at the moment with sluggish sales and reduced profitability, possibly because it has put all its eggs in the diesel basket, or more probably because it doesn’t have the development budget of German rivals such as BMW and Mercedes. No doubt they will be hoping the recently launched E Pace will restore their fortunes. The E Pace is more of a crossover than an SUV, although it shares the core values of good looks, prestige and a sporty drive with its bigger brother. However, to save cost the body is primarily made out of steel, making it heavier than the F Pace and the engine range consists entirely of 2.0 litre, 4-cylinder petrols and diesels made in Jaguar’s own “Ingenium” factory. The styling takes many of its cues from the F Type sports car and it has a purposeful stance enhanced by big wheels, that aggressive grill and tapering rear side windows. I prefer the styling of the F Pace personally, but it certainly looks the part. Climb inside and it’s another story though; the dash is heavily based on the S Type and is focussed and sporty. Real thought has gone into the design of even the smallest detail and all the materials used are top notch. The central infotainment

screen has super sharp graphics, though it is still a bit cumbersome to use on the move. The seats are comfy and supportive and for some reason there seems to be more space in there than in the F Pace, particularly in the back seats. The range of trim levels is bewildering; there are ten in total, each of them adding a couple of pieces of kit and several thousand pounds to the price tag. The big question is, does the driving experience live up to the sporty appearance? Jaguars have always been known for their poised handling and the E Pace is no exception. The steering is not ultra sharp but it is very precise; the car goes exactly where you point it. Body roll is minimal, and the 4-wheel drive gives great traction out of the corners; it really does drive like a well sorted saloon. Unfortunately, there is a price to be paid in terms of the ride – it is just too firm, to the point of being uncomfortable over badly surfaced roads. You wouldn’t want to take it offroad for any time. Most E Paces will have the 2.0 litre Ingenium diesel under the bonnet. It comes in three states of tune – 148bhp, 178bhp and 236bhp; I drove the midrange version. The Ingenium engine might be

technically advanced but I don’t think it’s as good as the units offered by Audi, BMW and Mercedes. It’s too noisy, especially at idle, and it doesn’t seem to have much low down torque. Throw in a weight of 1900kg and a 9-speed automatic gearbox that takes forever to select a gear and even 178bhp doesn’t deliver much in the way of performance. In its defence, the E Pace is fairly economical in diesel form and is emissions friendly. Like the F Pace, the E Pace has much to recommend it. It looks great, has a lovely interior and impeccable road manners. There are some problems though, not least the price. Even a mid-spec car will set you back over £35k and the top of the range model is over 50 grand. I’d like to see some bigger engines available and something needs to be done about that harsh ride that doesn’t involve an expensive active suspension system. Despite this, I am sure it will sell well and restore Jaguar’s fortunes in the process. I’d still much prefer an XE saloon though. Kit Johnson Car as tested Jaguar E Pace R-Dynamic S 180D £37,870 RRP

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Electrician Mob: 07747 414493 Tel: 01672 520147

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Vet’s Column

Keep your pets safe during Winter Although January marks the end of the festive season, it’s the perfect time to snuggle up on the couch with our pets, grab some hot tea after a long day and just enjoy being indoors. Even though most of our pets have a lovely furry coat to protect them, they can also suffer from the cold just like we do, so we feel this is a great time to remind all pet owners of some extra precautions that we need to have during these colder months. HEALTH CONSIDERATIONS It’s a great idea to speak with a vet for a thorough health check as there are some conditions such as endocrine diseases, heart disease and kidney disease (among others) that can influence your pets’ ability to regulate their body temperature. Your vet can also advise you on how to best prepare for the cold season as many pets have particular needs (e.g. short-haired, elderly and very young pets have a lower tolerance to the cold). LOW-TEMPERATURE CONSIDERATIONS Walks Dogs are creatures of habit, and their walks are essential to keep them entertained and active, as well as a great way to strengthen the bond between you. However, you should limit the time spent outside as prolonged exposure to the

cold may lead to injuries such as frostbite, with chapped, itchy and flaking skin, and hypothermia. Keep in mind that body areas with bare skin like the nose and paw pads are the most sensitive and that short haired dogs might not be able to cope so well with the cold. For some pets, clothing may be a comfortable option which will offer some extra protection but others will not tolerate it. Take extra care while walking your arthritic or elderly pet, as they may struggle to walk on ice/snow and may accidentally hurt themselves by slipping or falling. After a walk or after being outside, make sure you check if your pets are dry, paying particular attention to the areas between the toes and under the chest/belly. It’s especially important to make sure no rock salt stays on the skin as some pets might be sensitive to it or inadvertently ingest it, which can be quite dangerous. If you’re not able to take your dogs for a walk, please consider spending additional quality time with them to make sure they don’t get bored or frustrated. Shelter If possible, keep your pets indoors to best protect

them from the cold and temperature fluctuations during the day. If this is not an option for you, it’s essential to provide a well-insulated, waterproof and windproof shelter (preferably raised off the ground) where your pets can seek refuge if they feel cold. Don’t forget to have adequate bedding available, especially for bunnies, and check your pets’ water regularly to make sure it is not frozen. Please keep in mind that cats and small wildlife can seek shelter under cars for warmth since the engine stays heated for a while after it stops running. Before starting your car, tap the hood or honk the horn to make sure no one is hiding there. Toxic Dangers Don’t forget to keep antifreeze well away from your pets. It tastes sweet to them so they might be tempted to lick any spills or break into containers. If ingested, don’t hesitate to take your pets to the vet, as it can be fatal even in small quantities! Keep these precautions in mind for a worry-free season, full of happiness and cheer! Drove Vets

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Drove, Your Very Local Vet

Trusted care for your pet here in Marlborough

Meet the ! Team Why Choose Us?

 Local care in Marlborough with back up from 24/7 Drove Hospital in Swindon  Full hospital care for more detailed investigations  Pet Health Club scheme that rewards your loyalty and spreads the cost  Lab and surgical facilities on site

Marlborough Veterinary Surgery 51 London Road | Marlborough | Wiltshire | SN8 2AJ Tel: 01672 512043 Fax: 01672 514746 Email: marlborough@drovevets.co.uk

www.drovevets.co.uk

Finance

Gifting for children or grandchildren In my article on Inheritance Tax planning last month, I touched on the benefit of making gifts to children and grandchildren at an early stage. As well as helping to minimise your own future Inheritance Tax liabilities, it could provide monies for the family members to help fund the costs of their higher education or to start them off in adulthood. This article discussed three key pointers for gifting; how much, when and how best to hold the capital. How much should I gift? Whilst there are set amounts that immediately fall exempt for Inheritance Tax, and unless the gift is to fully fund a specific need such as private schooling, the amount you set aside should be determined on what is comfortably affordable for you. The gift could be a lump sum out of savings, a regular contribution from income or perhaps a series of lump sums, made either regularly (each birthday or Christmas perhaps) or on an irregular basis. When should the gift be made? We are involved in setting up accounts for children and grandchildren from birth onwards. Whilst gifts made early in life will better benefit from compound growth (interest on the accumulated interest), the important thing to consider is how long it is before the monies are likely to be needed as this should determine the investment strategy. If the monies are likely to be accessed within the next few years, probably the best solution is to invest in a deposit or fixed interest account as there is no risk of the capital value being lower. If the likely timeframe is five or more years, there is a real risk that deposit account returns may not maintain pace with inflation and considering investing in real assets such as stocks and shares, investment funds or property may be an option to provide a real, above inflation return.

W fin Ch ju How best to hold the gift? One of the key questions here is knowing when you want the child to benefit from the asset? Is it ok for the monies to be available for the child to spend as they wish at 16 or at 18 or would you rather make it available when you (or their parents) feel it appropriate? If the former, holding the monies in their name using Junior ISAs or a Bare Trust will often be options we consider, otherwise it may be better to either use a discretionary trust or even to retain the gift in your (or their parents) name. Please remember though that if reducing Inheritance Tax is a consideration for you, retaining it in a separate account in your own name will defeat that objective. For more comprehensive information on gifting to children, please download our Guide to Gifting Monies to Grandchildren from our website at www.chilvester.co.uk/familygifting

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Chartered Financial Planner, Sam Binstead is a Director and Chartered Financial Planner at independent financial advisers Chilvester Financial. Please contact Sam at our Marlborough office for more information or advice on passing assets effectively down the generations.

To advertise please call 01793 791104 or email: ads@marlboroughtownandcountry.co.uk

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When it comes to financial advice, Chilvester could be just what you need

• Mortgages

Our advisers don’t have sales targets and don’t use jargon, while our chartered status means you only ever get professional support. What’s more, you’ll find us based

• Insurance

on the high street in Marlborough and Calne so you

• Investments

can easily come in to chat things through. Not only this,

• Pensions

on a variety of topics and products, from mortgages

• Equity Release

today – we’re here to give you just what you need.

• Care Fees Funding

Call:

• Inheritance Tax Planning

Email: Visit:

our team of advisers can provide a wide range of advice and investments to pensions and tax planning. Get in touch

Marlborough office 01672 500 600 Calne office 01249 810 050 advice@chilvester.co.uk chilvester.co.uk

Chilvester Financial is a trading name of Chilvester Limited which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Mortgage or Tax planning.

MORTGAGES ON AND EQUITY RELEASED FROM YOUR HOME WILL BE SECURED AGAINST IT

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