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ISSUE No. 018
20th July - 2nd August
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2 Homes and Gardens 3 Chaim’s Books & Gifts 4 La Belle Table 6 Painter and Decorater 8 Removals 12 Curtains UK 17 Elite Tiles 18 The Wickerberry 23 Handyman 28 Blue Valley Florist 40, 41 Secure-n-Safe 30, 34 Pest Control 36 Reichmann Antiques 39 Decorean Motoring
Business, Finance & Security 14 16 36 45 46
LEGAL MATTERS The Midweek Investment Opportunity Claiming 4 U RECRUITMENT
Clothing and Accessories 5 7 15 29 30
Kiddie Shoes Bootique Leeside Lingerie Coats & Co Stride
15 EZ Motor Repair Simchas and Functions
Education and Organisations 11 22 23 31 32 47
Start with Art EDUCATION MATTTERS Kip Mcgrath Centres Kol Hasmispalel Yad Eliezer Shema Koli
8 Shmuel the Fiddler 12 Hendon United Synagogue Hall 33 Levco Marquees 35 Sruli Ginsberg 40 Dudy Braun The Property Sector
Food and Drink
24, 25 Martyn Gerrard 37 S&S Estates
6 Kosher Food - Spain 19, 23, 33 Mehadrin Wholesale 26-27 Deli Ninety Eight 20-21 King Georgie Restaurant 34 Eliko Foods 41 Pardes Catering Health, Beauty and Fitness 9 12 13 28 41
Travel & Holidays
Micro Tea Dovid Shaw Life Coach Schonfeld Square Foundation Nathan Gluck Hearing Care The Beauty Collection
FULL PAGE HALF PAGE QUARTER PAGE EIGHTH PAGE
10 Money Change 10 613 Cars 16 Summer Day Camp 16, 30 Sherut 16 Beni’s Sherut 28 Italian Summer Hotel 30 Gabi Burns Travel 34, 36 Parcel Service 34 Lubavitch Day Camp 40 Baderech Camp 42 Chaverim Summer Camp 44 Gesher Club Hotel (Davos) 48 Heimishe Airport Parking
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14
LEGAL
MATTERS
the
LEGAL EAGLE Being chased for a debt you don’t owe
If I told you I could give you £100s a year with no Last week I received a letter from a debt debt and very little hassle all you£2,100 need to do collector claiming that– and I owed in is change your plastic wouldwhich IfI is the relation a credit knew was If you’veto a family, your–card, purse oryou? wallet probably not correct. IChildren contacted the company and answer’s yes, read on, as is the perfect time crying. Having is anow terrible investment. You they informed me that theyForhad purchased tofork grab a cashback credit card. many, it’s out an estimated £200,000 per child byan the the debt from the credit card company easy lucrative way boost your income. but timeand they reachme age 21.toOf course, if you’re happy could not tell any more. I know that I do to be repaid in hugs, it’s all more than worth it. Yet not owe this money. This week I went out on Now’s moment because the topgo will a fewthe tips todiscovered ease the burden never amiss... twitter and that this isdeals happening boost for the firstof three months youbeen to of people, some whom have lotscashback subjected to months hounding by debt have So apply NOWof that boost lasts for Are them. you missing £1,000’s ofand childcare help? collectors. one of most people’s highest-spending periods – the January sales.
There are cases two big ways may be able toisgetsimply cash In some the you whole thing if you pay for childcare. First, do you work over 16 fraudulent, however on other occasions the This canabe serious As onepartner of that my Twitter hours week (youcash. andbelieves your if you you’re a company chasing you owe followers (@martinslewis), told me: the debtand butearn they arearound inNM, fact wrong. Either couple) under £41,000 in“Our total? If way, you obviously should notlast pay. cashback cards earned us eligable £250+ year.” This that’s you, check if you’re for childcare tax isn’t unusual, I’vebeeven heard of some bigget over credit. This can serious money - many
Ifspenders you find yourself in£1,000 this mark. situation here’s going over theout So here’s £3,000 what youa year. needTotofind do: if you’re due, call 0345 what you need to know: 300 3900.
Check your credit report 1.
pay interest onor aemployer cashback card IfNever the debt issee a loan in relation tochildcare a credit Alternativly, if your offers card check youronly credit You do this Cashback cards win you ifreport. you upfor acan direct vouchers, which allow toset pay childcare online with companies like Experian. This debit repay IN FULL everyThe month. If not, don’t fromtoyour pre-tax income. way this works is isgoyou aforgood start as the report should show a cashback card, go for the best 0% for give up, say, £2,000 a year of salary for £2,000 details ofdeals any money that you currently owe, spending (see as after tax you’d only have of vouchers. However, including who you owe the money to. If the www.mse.me/spendingcards). got around £1,400concerned in your pay packet, it means debt that your with does not you’re show on£600 your report better off. tell the debt collector. Now you’ve got a debit card that pays you
2. information Your credit card is now effectively a to car ‘IDemand saved £3,000 adding mum and dad
Remember, when you’re chasedyou forstick money monthly-billing card, provided insurance” debit unexpectedly there isforalways a goodinstead chance within the limit. Use it ALL spending that it is not genuine. You therefore need to ofAdded cash, cheques debit cards. If you you’re aas to thecollector fearand of seeing your teenager oninthe ask the debt to provide with trusting relationship, addpossible your as acan second much as verify that road, information the cost of insuring onespouse toto drive be itcardholder, is a genuine debt. the earns debt is to car, doiswith so their spending terrifying. One trick, if If they’ve their too. own to a try loan or credit card you see adding extra drivers with will goodwant recordsto(eg, the agreement that you signed. This point Huge 5% cashback the January use sales mum and dad) whoover may occasionally the car. isThe very important, as under the Consumer no annual fee www.americanexpress.co.uk It’s trail and error, but can have a big impact, it Credit Act a lender cannot recover a as loan Platinum Everyday card pays newbies 5% for did for one of my Twitter followers (join methe at from borrower unless they can produce the first three months“As until January, up my to a insurance maximum agreement. @martinlewis): a new driver £100 back£5,000. in that time. if you and fail to fullyit wanted After Though adding mum dad,
You also need to APR. ask them for proof that repay, it’s 19.9% rep dropped to £1,900.” not only do you owe money but also that you owe the actual amount that they are After the 5% ends, the rate’s up to 1.25%, asking you for. You should also do your own depending on how you spend. requires a investigations on much this point, suchIt as looking decent credit scorestatements and householdtoearnings through bank see of what payments £20,000+. you have made.
3. If they come knocking..
If you believe that you do not owe the money
simply tell the never person knocks in your However, you must say that someone’s the main door when this and asknot. them tocalled leave. Remember, driver they’re That’s fronting and a doorstep has absolutely no power it’s illegal. Full collector info on slashing costs for under-25s, when it comesspecial to chasing you for money. In including at the fact all they can do is askpolicies, you nicely for www.mse.me/youngcar money and leave if you say no. There are also
now clear guidelines laid down by the Office Of Fair Trading behaviour of debt Ensure you’re payingfor less the for power collectors. These guidelines say that debt collectors not contact several Lots of peopleshould in the house means bigpeople energy bills timesrooms, a day,TVs or on early in theheating morning or late more full blast, all that at night. Neither should they pursue people water - it all networking adds up. Ensure you’re on the on social sites such as very Twitter cheapest deal. It threaten only takes people a few minutes. Just or or Facebook, physically verbally, or you ignore people if they say they plug in where live to an www.ofgem.gov.uk don’t owe the money. approved comparison site and it’ll find your cheapest. If any of these things happen, then complain directly to the company that says it is Alternatively, my not freeto Cheap Energy CLub If owed money, the debt collector. www.moneysavingexpert.com/energyclub do that doesn’t work, report them towillTrading aStandards. comparison for you, including top picks you might miss, and monitors your tariff afterwards to 4. What ensure you next? know when to move again. If the debt collector cannot provide you with a copy of the agreement (if the debt is in Give pocket as any pay other - otherwise relation to amoney loan or form you’re of credit) ‘trust fund teaching’ tell them that you do not want to deal with them until they can produce the agreement and also tell under-rated them that as under Consumer Pocket money’s a way the to teach kids Credit Actlessons, they provided cannotyou enforce core money reward athe workloan without the agreement. IfItthey dohow produce ethic, and don’t just doleyou it out. teaches to an agreement (that have clearly signed) manage an income by having a regular amount ask them to produce concrete evidenceofthat money you startstill to learn of saving you actually owethe theconcept money. Again if they cannot versus spending. do this simply tell them to stop bothering you until such time as they can sufficient evidence.cost” - whether Itproduce also incorperates “opportunity they’d be better offthings spending cash on Remember two i) the yousame do have rights something else. For a young this worth is perhaps as a consumer and ii) it ischild never a debt “do you wantwhile to buyenforcing sweeties with your ifmoney collectors a debt they do not have sufficient to want?” prove that every week, or save up toevidence get the toy you
it is owed. Without this a court would not entertain the claim. For this reason debt collectors often make idle threats but never back those threats up with any legal action. For more information visit Dean’s FREE legal and consumer website:
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EDUCATION
MATTERS
What are the benefits of tutoring? Children very often find themselves under pressure at school: to succeed, to cope with learning new skills and to keep up with their peers, not to mention the demands of SATS, secondary school entrance exams and GCSEs. In this high-pressure environment, it’s easy to see why personalized tutoring can give children the boost they need to navigate academic challenges and get great results. In conjunction with the school curriculum, tutoring provides an excellent opportunity to further equip your children with the tools they need to succeed. An important added benefit of tutoring, aside from academic enhancement, is the confidence it gives students to thrive. When they are empowered to fulfill their potential, there is no limit to what students can achieve – both in school and outside of it. Ultimately, tutoring is an investment in your child’s future that pays high dividends. But how to choose a suitable tutor for your child? As with any investment, it is important to choose carefully and make sure your child is in capable hands. It is essential that tutors be qualified, experienced teachers, with up-to-date knowledge of the current school curriculum. They should be teachers who have a proven track record of helping children flourish and are able to ensure that the lessons are fun and enjoyable, so your child is keen for extra learning. This is where we at Kip McGrath come in. Why use Kip McGrath? Kip McGrath is a globally recognised tuition company that prides itself on helping students achieve better results, whether they are attending for remedial or extension assistance. For over 40 years, children have benefitted from the ‘Kip Way’, which empowers children to reach their true potential while feeling excited and confident about learning. At Kip McGrath Edgware, we: • Only use fully qualified teachers – all holding DBS checks to ensure the child’s safety. • Hold classes in a bright, modern centre – a positive environment which makes learning fun, improves confidence and inspires a “can-do” attitude. •Realise the importance of a varied programme of learning. Each 80-minute session consists of a combination of individual teaching, written
exercises and exclusive, proven Kip McGrath computer-based learning programmes. Our diverse tried-and-tested methods ensure that At Kip McGrath Edgware, you get: • An initial free assessment of your child’s learning abilities. • Tailor-made programmes to suit your child – we understand that your child is an individual, and should be taught as such. • Fully-supervised 80-minute sessions. • Small classes of up to 5 students per tutor, allowing teachers to devote extensive attention to each student individually as they work on their own individual programme. • Innovative programmes unique to Kip McGrath Education Centres. The initial educational assessment, which is provided FREE of charge, is a very important step in determining your child’s current working levels and highlighting gaps that have formed in learning. The results enable us to create an individual learning programme for your child. What we at Kip McGrath Edgware specialize in: • English: Reading and comprehension, writing and spelling, vocabulary development • Maths: Basic numeracy, algebra, fractions, combinations, time & money • Secondary school entrance exams: Maths, English, verbal & nonverbal reasoning • English as a second language for children Our goals are to: • Help students reach their full potential Improve your child’s confidence • Improve your child’s confidence Make learning fun and engaging • Make learning fun and engaging A little bit more about us: The director of Kip McGrath Edgware is Jan Moses, who has many years of experience teaching both Key Stage 1 and Key Stage 2 in Jewish and secular primary schools. Jan qualified for her teaching degree at Middlesex University, specialising in Primary Education. How to contact us:
Phone: 020 8952 7500, 07983562575 E-mail: Edgware@kip-mcgrath.com Kipmcgrath.co.uk/Edgware
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h a n g e - ju st s t ic k w ith c & C H OP t ’ n Do
O R P
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Available in the freezer section at your local store
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College
50 travel 95 + ÂŁ50 travel plications he camp office.
outdoor l pitch tennis courts and much more!
up Harav
Doniel Kleinman Shlita
Camp Mashgiach
Y.F. Design Ltd. 07423633345
cation!!
ages 10 - 16 plus yeshiv a gro
Rosh Yeshiva, Harav Ezriel Yaffe Shlita
Camp Honourable Guest
Scan this QR code to apply online or visit chaverim.co.uk/apply
DAVOS Switzerland A Dream Come True
at Gesher Club Hotel 7 - 28 August, 2014
SINCE 2005
• Beautiful hotel under the management of Dani Kraus • Gourmet glatt kosher meals catered by Shalom Bernholtz under the supervision of Rabbi A.Y. Schwartz Shalita-Vienna. • Swimming pool with separate hours • Optional tours • Davos Guest Card - for free transportation including cable cars in the area.
UK: Mrs. C. Kupetz Tel: 44,(0) 1612786668 44,(0)7813963945 | kupetzs@gmail.com
לטייל עם המומחים
46 To List a Car at £10.00 RECRUITMENT CIRCULAR North - West CA R S FO R SA LE
– Please contact To List a Vacancy at £10.00 – Please contact
020-3659-2399
020-3659-2399
(Full time)
£22,000-£25,000
(Full time)
holder to be responsible for management of all matters relating to client accounts including rental processing, dealing with payments, bank reconciliation and correspondence. Previous experience in property management accounts required.
yael@traine-traide.org.uk
Graduate Financial Analyst
| NW London
Property Accountant /Book keeper Salary: Dependent on Experience. Property Company seeking experienced property accountant/bookkeeper. Post
NW London based International physical trading company seeking Contract & Logistics Team Administrator with an excellent telephone manner and good organisational skills. Candidate should have an understanding of Incoterms and shipping logistics and at least 1-2 years’ experience in a trading environment. Knowledge of European foreign languages advantageous.
0208 371 3280
CIRCULAR
info@northwestcircular.com info@northwestcircular.com
| NW London
Contract & Logistics Administrator
North - West
| Croydon, Surrey (Part time)
£19,000- 23,000 FTE Cloud based IT services provider seeking part time Financial Analyst .The role is ideal for a
0208 371 3280
yael@traine-traide.org.uk
| N London (Full time)
Corporate & Major Gifts Fundraiser £26,000
graduate in numerical / financial studies, with experience of writing reports. Experience with Microsoft Excel is imperative, including spreadsheets, graphs and formulas. Accounts ability and knowledge of QuickBooks advantageous.
International Jewish Welfare Charity seeking Corporate & Major Gifts Fundraiser. Candidate must have experience in researching funding prospects, as well as good knowledge of fundraising techniques. Post holder will be responsible to manage the account management of major donors and corporate partners, proactively increasing the charity’s supporter engagement and income.
0208 371 3280
0208 371 3280
yael@traine-traide.org.uk
| Stamford Hill London (Full time)
Administrator
yael@traine-traide.org.uk
| Stamford Hill London (Full time)
Nursery Officer
Salary: Depending on Qualifications and Experience.
Salary: Depending on Qualifications and Experience.
Provide Administrative and Financial Support To within the Centre to Perform Reception, Typing and Clerical Duties As required.
be a member of a team responsible for To creating an education environment where the child’s intellectual development is fostered through the provision of stimulating activities and positive interation
0208 809 9050
0208 809 9050
www.LUBAVITCHCHILDRENSCENTRE.com
Maintenance Administrator
| N London (Full time)
020 8802 3819 (Golda)
AIHA
human.resources@aihaltd.co.uk
ICT Teacher Salary: negotiable dependent on experience.
Menorah Grammar School for Boys is seeking an ICT TEACHER to start 1st September 2014. The successful candidate will be highly motivated and able to teach ICT to A Level.
07580 630 156 (Mr Brown, Head Teacher)
Housing Advice & Lettings Officer
| N London (Full time)
Salary negotiable dependent on experience
Salary negotiable dependent on experience
dynamic and motivated person to support A maintenance team in all aspects of the administration and deal with day-to-day customer queries. The right candidate will have: Suitable technical skills, The ability to work as part of a team and on own initiative, A good standard of Maths and English & Excellent communication.
www.LUBAVITCHCHILDRENSCENTRE.com
| Edgware (Full time)
A dynamic and motivated person to work with those in the community who are in housing need, to be their advocate and help them into social housing. You will need to be well organised, literate and numerate, with negotiating skills and be able to respect confidentiality. This job will also entail liaising with Hackney Council and creating good relationships and better understanding between Local Authorities and the Community. 020 8802 3819 (Golda) human.resources@aihaltd.co.uk
AIHA
Modern Hebrew Teacher
| Edgware (Full time)
Salary: negotiable dependent on experience.
Menorah Grammar School for Boys is seeking an MODERN HEBREW TEACHER to start 1st September 2014. We are looking for a highly motivated candidate able to teach MH at least to GCSE and ideally to A Level.
07580 630 156 (Mr Brown, Head Teacher)
The Deadline for advert submissions is THURSDAY 6TH MARCH Book an Advert via www.northwestcircular.com to Take Advantage of our Exclusive Web-Booking Rates!
בס”ד
Shema Koli - a Confidential Helpline for women and men in the Kehillah who have experienced or been affected by abuse. Abuse of any kind. To yourself or others, children or young people. Now or in the past.
Giving a VOICE to Victims of
Shema Koli is run by trained, sensitive and experienced professionals. You do not have to give your name and your call cannot be traced. You will find a listening ear and you will be treated with respect and dignity.
בס“ד חורף תשע“ד
טלפוני לעודד-החרדי ”שמע קולי“ שהוא קו אנו החותמים למטה תומכים בשרות .בהווה או שסבלו בעבר מסוגי הפרעה ולחזק אנשים ונשים שסובלים אלא משום ש”שמע,שהוא נחוץ מאוד ,התמיכה היא לא רק בגלל עצם הדבר .תחת פיקוח רבנים מובהקים שליט“א קולי“ עומד שרוצה למצוא מרגוע לנפשו יכול להתקשר מודיעים אנו לציבור שמי,אשר על כן .לקו הנ“ל בלי שום חששות .באנו על החתום פה אנגלי׳ We, the undersigned Rabbonim, support the “Shema Koli” helplin e, which offers a listening ear and a sympathetic heart to victims of various forms of maltreatment, past or present. The organisation is run on strictly Torahdik lines, seeking and receiving Daas Torah from Gedolei Yisroel, and relying on Psokim on all sensitive matters by a local team of experienced, senior Rabbonim. We urge members of the Tzibbur who wish to move forward with their shattered lives to avail themselves of this service. Signed (in alphabetical order):
Shema Koli Hours SUNDAY
6pm-8.30pm*
*Male helpline operators
MONDAY TUESDAY THURSDAY
3pm-5.30pm 11am-1.30pm 11am-1.30pm
Rabbi Dovid Chaim Cohn שליט”א
Dayan Abraham David שליט”א
Dayan Chanoch Ehrentreu שליט”א
Dayan Menachem Gelley שליט”א
Rabbi Yisroel Meir Greenberg שליט”א
Rabbi Gershon Hager שליט”א
Rabbi Yissochor Dov Knopfler שליט”א
Dayan Yisroel Yaakov Lichtenstein שליט”א
Rabbi Eliezer Liber Schneebalg שליט”א, Edgware
Dayan Osher Yaakov Westheim שליט”א, Manchester
Rabbi Shimon Meshulam Winegarten שליט”א
Rabbi Yaakov Wreschner שליט”א, Manchester
Rabbi Shraga Feivel Zimmerman
020 3670 1818 www.shemakolihelpline.org
Giving a voice to victims of abuse
שליט”א,
Gateshead