Visioniss25

February Issue 0025 2015

VISION

YOUR MUST HAVE

FREE

MAGAZINE

Tuesday 17th Pancake Day

What to buy for ValentineDay Sarah’s Tips for the Valentine Outfit

WIN a Beauty Makeover Inside

PHYLLIS FORREST EDITOR

FEBURARY 2015

WHAT’S INSIDE

Welcome to VISION Clyde Valley & Avon

FEATURE

Pauline Bulloch examines how low interest rates affects all of our income

FEATURE

What to buy your loved one for Valentine’s Day

FASHION

Sarah Mcgough takes a look at different outfits to help you through Valentine’s Day

FOOD

Pancake day do you know the vitals ingredients

DEBATE

Fair trade fortnight is between the 23rd February to 8th March do we need it?

FUNERALS

In our modern society what part does religion play in remembering those that have past on

PUZZLE PAGE BOOKS & MOVIE REVIEW SOLUTIONS

Crossword and Sudoku

FYI

Some important telephone numbers. For your information

LOCAL TRADES

Local trades and businesses close by

INTRODUCTION

To celebrate our third year publishing the magazine we have an amazing competion. One lucky reader will get to look Fabulous this new year. Prizes include, cut & colour, nails & brow shape, makeover form SGC. Details for entry can be found on the inside back cover. The winner will feature in the magazine.

We are also set to launch our new website and facebook page, which will feature special offers and competitions.

P����i�

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This months movie to go see and this months book review

13 Solutions to crossword and sudo’s

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COLOUR PRINTERS LTD

About Sarah Mcgough

Sarah Mcgough is a beauty and fashion writer from Wishaw. She is a highly experienced Makeup Artist, and creator of makeup brand SGC. www.sarahgcosmetics.com With over 10 years experience in the merging worlds of fashion and beauty, she has a strong knowledge of current trends and style, she has covered and worked on fashion weeks across Europe, as well as styling and directing fashion shoots and shows.

Sarah will be bringing you all the latest must have beauty and fashion trends along with helpful hints and tips to have you looking fabulous all year long with Vision magazine.

VISION FINANCIALS

Investing For Income Income is important. It’s an obvious statement.

The difficulty is that, in an uncertain world, investment income is hard to find right now.

Investors looking for income have faced an increasing challenge ever since the financial crisis broke in 2008.

Financial institutions across the globe took extreme measures to protect themselves from global meltdown. Central governments across the world also reacted strongly, forcing interest rates to record lows.

Almost seven years on and interest rates in the UK remain almost non-existent. The result is real losses for savers in bank and building society deposits which fail to match inflation. Investors wanting to secure a better level of income have realised that they must look beyond traditional cash deposits.

History shows that investing in shares, has provided investors with a better chance of outpacing inflation over the long term versus

other asset classes, particularly if the shares are and, importantly, it offers returns that are similar able to increase the dividend payments year to other asset classes. after year.

Investors should note that investing in real With dividend payouts on the turn, the outlook asset classes (equities, corporate bonds and for equity income funds could also be on the up. commercial property) does not provide the Equity income funds have a strong track record security of capital which is characteristic of a for delivering attractive, sustainable income and deposit account with a bank or building society. steady returns over the long term. But it is worth remembering that not all equity income funds Those investing for income need to remember are the same. Some are better for income, while that no one asset class is the remedy. With others provide better prospects for total return. interest rates likely to remain low for some time to come, a well-diversified, well-managed A diversified investment portfolio with exposure portfolio which blends a range of asset classes to numerous asset classes will help position remains the most suitable strategy for investors your portfolio to benefit from growth across the to satisfy their longer-term income needs. investment spectrum.

I believe that our ability to tailor solutions to an Commercial property felt the full effects of the individual’s needs and attitude to risk means credit crunch and the fall in property values left your income investments are in good hands. many investors reeling from significant drops in The value of an investment will be directly linked their property portfolios. to the performance of the funds you select and But again, history suggests that commercial the value can therefore go down as well as up. property has a place in a portfolio for income You may get back less than you invested. investors. Its long-term track record is strong

Pauline Bulloch Wealth Management Consultant

Start Planning Now

A Wealth of experience on your doorstep

I provide an experienced wealth management service and offer specialist advice in a wide range of areas including

For Further Details Contact Pauline Bulloch 0141 3 04 1700

Retirement Planning Inheritance Tax Planning Investment Planning

Call Today

to make an appointment

The year was 1969 and they were hopelessly in love. As two of Hollywood’s biggest stars, and arguably the most famous couple in the world, Richard Burton decided to prove his undying passion for his wife Elizabeth Taylor by purchasing a huge 69.42 carat pear shaped diamond with a £1m price tag to match.

Though this extravagant act hit the headlines, it is by no means unique. In 1648 emperor Shah Juhan built the Taj Mahal, the “crown of palaces”, in memory of his wife Mumtaz Mahal. More recently, Chelsea football club owner Roman Abramovich gave his girlfriend a bronze sculpture worth $14m - one of the most expensive gifts ever made.

At the other end of the spectrum, the less rich and famous have earned themselves a place on the Internet if not in the history books, by presenting their loved ones with less salubrious offerings. An empty suitcase, with not a hint of surprise tickets to a romantic destination, a deep fat fryer with left over Christmas chocolate hidden inside, and divorce papers delivered while dining out, are just a sample of these gift-giving gaffs.

With Valentine’s Day almost upon us, you may be wondering what to buy your loved one.

Apart from the usual flowers, chocolates and

What to buy the one you love on Valentine’s Day Gifts that say ‘I Love You

jewellery, is there anything else out there a little more unusual that will keep you in their good books, whilst avoiding one of ‘those’ looks?

If togetherness is your thing, you can buy a pair of love gloves for around £20, but if you fancy something more thrilling, how about a lovers leap bungee jump at around £120? That will certainly add some excitement to a relationship!

If adrenalin rushes are your lover’s thing, why not consider indoor sky diving, flying lessons, dumper truck racing, and a super car thrill experience where you get to drive a real sports car? Snooker and other sports coaching lessons can also be purchased for around £150 a time.

If pampering is more palatable, how about a spa package, or a make-over followed by a photo shoot, or for around £25 a “design your own perfume” set?

If food is the way to a man’s heart, then chocolate is definitely the entry to a woman’s! For something different, why not get her a pizza made entirely of chocolate, or chocolate-shaped spoons that melt in hot milk making a deliciously smooth drink?

Finally, what could be more romantic than naming a star after your loved one, or giving them the chance to name one themselves? You can purchase this privilege for around £20.

If you haven’t found an idea here to suit your taste or your pocket, try searching some for yourself.

The following websites are a good place to start: thepresentfinder.co.uk; prezzybox.com; notonthehighstreet.com.

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To advertise in The VISION call 07957 358 355 or Email sales@thevisionmarketing.com The VISION | issue 25

Are you are somebody who gets all misty eyed and loved up on the 14th of February, or someone who sees the occasion as a love heart infested nightmare? There is no reson why you should’nt look fabulous whatever your view.

As Valentine’s day also falls on a Saturday this year, my guide will have you looking great whether you are enjoying a fun day out with the girls or a hot date with your crush

VALENTINE

FASHION OUTFIT 1

“I love to dress up and embrace everything about Valentines Day, love hearts?

Yes please!”

This is a cute yet dressy outfit, perfect for a first date, as you still look great without looking like you have tried too hard, add a pop of pink lippy and your good to go!

OUTFIT 2 “Valentines day? Humbug!!

I’m off shopping with the girls!”

OUTFIT 3 “I have a dinner date and I want to look HOT”

You certainly dont need a man to feel inredible, so make a statement with this fun and cute outfit

Outfit 1

Jumper; Oasis, £38. Dark Jeggings; River Island £45. Shoes; New Look £27.99

Outfit 2

Boots; H&M,£29.99. Red Jeans; M&S,£35. Trench; Primark,£28 Tshirt; River Island, £17.99

Outfit 3

Statement Neclace; River Island £20. Jumpsuit; H&M, £29.99 Shoes; ASOS,£45 Happy Valentines everyone, Sarah. xxx.

Make a break away from the traditional LRD (little red dress) and stand out from the crowd in a sassy jumpsuit instead

Ingredients

115g (4oz) plain flour Pinch salt 1 large egg 285ml (half a pint of milk) 115g (4oz) butter, melted Juice from 2 lemons, strained Caster or Demerara sugar to taste.

Method

DAY

PANCAKE

Tuesday 17th February 2015

Shrove Tuesday (widely known as Pancake Day) is a day in February or March, preceding Ash Wednesday (the first day of Lent), which is celebrated in many countries by consuming pancakes.

Shrove Tuesday, a moveable feast, is determined by Easter.

The expression "Shrove Tuesday" comes from the word shrive, meaning "confess". Shrove Tuesday is observed by many Christians, including Anglicans, Lutherans, Methodists and Roman Catholics, who "make a special point of self-examination, of considering what wrongs they need to repent, and what amendments of life or areas of spiritual growth they especially need to ask God's help in dealing with."

Being the last day before the penitential season of Lent, related popular practices, such as indulging in food that one sacrifices for the upcoming forty days, are associated with Shrove Tuesday celebrations, before commencing the fasting and religious obligations associated with Lent. The term Mardi Gras is French for "Fat Tuesday", referring to the practice of the last night of eating richer, fatty foods before the ritual fasting of the Lenten season, which begins on Ash Wednesday.

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To make the batter: sift the flour and salt into a large mixing bowl and make a well in the centre.

Beat in the egg and a little of the milk until smooth. Gradually beat in the remaining milk and add 4 tablespoons of the melted butter. Cover the bowl and leave to stand for one hour.

In a small non-stick frying pan heat some of the butter until sizzling, but taking care not to let it burn. Pour enough batter into the pan to coat the base evenly.

Cook over a moderate heat until the pancake is light golden brown underneath and looks dry on top. Flip over (try to do this with style!) and cook the other side until golden. Continue until all the batter is used. The recipe should make 10-12 pancakes.

You can keep the pancakes warm in the oven (Gas mark 1 / 140C) until they are all cooked, but in our house they’re barely out the frying pan before they’re scoffed.

Serve with the lemon juice and sugar...

Enjoy!

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Fairtrade fortnight takes place this year between 23 February and 8 March 2015, and aims to continue to raise awareness and change behaviour around this important topic. Research shows that whilst 78% of the UK population recognise the Fairtrade Mark, over 50% still do not actively choose Fairtrade products.

What is

Fairtrade Fortnight

and why do we need it?

Fairtrade is about getting better prices, working conditions and fair terms of trade for farmers and workers. It’s about supporting the development of thriving farming and worker communities, so that they have more control over their futures and protecting the environment in which they live and work.

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It is now possible to buy around over 4,500 products officially branded Fairtrade including: Tea, Coffee, Bananas, Chocolate, Gold, Flowers, Cotton and Sugar. Sadly however, only 1.2% of cocoa and 10% of tea globally are traded on Fairtrade terms. Did you check the packaging for the Fairtrade logo when you last bought some tea?

The Fairtrade mark means that the Fairtrade ingredients in the product have been produced by small scale farmer organisations or plantations that meet social, environmental and economic Fairtrade standards. These standards help to protect workers’ rights and environment.

They also ensure payment of the Fairtrade Minimum Price for the commodity, and an additional Fairtrade Premium which is invested into the business or community projects.

Small scale farmers and workers are amongst the most marginalized globally, and Fairtrade helps them through trade, not aid, providing stable income to help them plan.

Fairtrade only certifies small scale farmer organisations for products such as cocoa, cotton and rice, but does certify plantations with larger numbers of employees for goods such as tea, bananas and flowers. The standards required for larger organisations

include allowing them freedom of association and collective bargaining, and prevention of discrimination and child labour.

The producers decide how the Fairtrade premium is invested. Often this will be in schools, transport, health care and better business equipment and practices.

There are over 1.4 million farmers and workers in 1,140 producer organisations within the Fairtrade System. These are across 74 different countries and four continents.

Fairtrade.org.uk would love people to get involved during Fairtrade fortnight. Here are some suggested activities to increase awareness and raise money.

Create a Fairtrade Trail around your local area highlighting those selling Fairtrade products.

Build a model of something funded from Fairtrade premium such as a school or health centre, and display this in a prominent place to make it a talking point.

Have some fun creating a special event.

This could be a film evening showing the Fairtrade film, or something more elaborate such as a Come Dine With Me experience. Tasting events featuring Fairtrade produce are also popular.

To advertise in The VISION call 07957 358 355 or Email sales@thevisionmarketing.com The VISION | issue 25

Planning Your Wedding Here are some of the best local businesses in the area to help you with all the important and difficult decisions on planning your perfect day.

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To advertise in The VISION call 07957 358 355 or Email sales@thevisionmarketing.com The VISION | issue 25

FUNERALS IN A CONTEMPORARY SOCIETY How often have you attended a funeral only to leave the ceremony with the feeling that the service did not wholly represent the character and personality of the deceased?

Over the past ten years things have been slowly changing and there are now different options available when planning a funeral. Traditionally the funeral service has fallen into two camps - religious, conducted by a Minister of the Church or non-religious, usually conducted by a Humanist Celebrant.

Obviously the former follows a set pattern of worship within the traditional funeral service structure and the latter honours anyone who wants no religious content in the service whatsoever. But what about the growing majority of people who fall somewhere in the middle of these two extremes? What if the elements you would like include both religious and nonreligious elements? What if you would like

a truly bespoke ceremony in an unusual place?

In this instance a Civil Celebrant can be engaged by the family directly or contacted by your Funeral Director and it is their job to create a funeral ceremony that truly reflects the life of your loved one. A Civil Celebrant will create a ceremony that brings together the wishes of the family and those of the deceased.

One of the key features of a civil funeral is a highly personal tribute created by the Celebrant in conjunction with the family. This tribute is a celebration of the person's life, recounting their experiences, attributes and qualities. Every effort is made to capture the very essence of

the deceased and their lasting spirit.

The tribute forms a part of the whole ceremony that the Celebrant will create in partnership with the family and readings, poems and favourite music (of any kind) can also be included.

First and foremost speak to your Funeral Director about the different options available, they are there to help you and your family throughout a difficult and emotional time and they will be able to put you in touch with the right person be that a Minister, a Humanist or a Civil Celebrant.

Sue Butcher - Civil Celebrant

www.civilceremonyscotland.co.uk

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Puzzles to keep the brain fit and active

Across 1. Male cat 4. Making much noise 8. Weapons 9. And so forth 10. No longer in existence 12. To put to use 13. Suspended 14. Sweatbox 17. Merits 20. Collide with 22. Points of entry and exit 23. Rather yellow 24. Cooking oil 25. Cricket ground 26. Rigid 27. Musical

Down 1. Female tiger 2. Pad 3. Long narrow excavation 5. Antiquated 6. Sleeping car 7. Infant 11. Abdomen 15. Former Soviet republic 16. Gathering of pus in body tissue 18. Exhausted 19. Heavenly colour?

21. Artificial leg 22. Ruse

Medium

Hard

February is National Heart Month - the time of year the British Heart Foundation asks the UK to look after their heart health and the heart health of their loved ones.

Smoking is one of the major causes of cardiovascular disease, and smokers are almost twice as likely to have a heart attack as people who have never smoked.

Smoking can increase your risk of developing several different types of cancer and it's the main cause of some lung diseases. Smoking harms your heart by damaging the lining of your arteries reducing the space for blood to pass through, carbon monoxide in cigarette smoke reduces the amount of oxygen that the blood can carry to your heart and body, nicotine in cigarettes stimulates your body to produce adrenaline, which makes your heart beat faster and raises blood pressure, and results in your heart having to work harder, your blood is more likely to clot. All of these things increase the risk of developing coronaryheart disease and having a heart attack or stroke

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To advertise in The VISION call 07957 358 355 or Email sales@thevisionmarketing.com The VISION | issue 25

review books The Unlikely Pilgrimage of Harold Fry

By Rachel Joyce

Gargoylz: Get up to Mischief

By Burchett and Vogler

Retirement is meant to be relaxing, isn’t it? You do what you love doing, and enjoy yourself.

But what if you suddenly receive a letter out of the blue?

If you thought your time at primary school was exciting, then you have nothing on nineyear-old

A woman who worked in your office many years ago has cancer and is dying. She just wants you to know. This touches you for reasons you can’t quite explain, so you write her a note to say that you are sorry to hear that.

Putting on your coat and your yacht shoes you leave with the note. Your destination? The post box. Just as far as the end of the road.

And so starts Harold Fry’s extraordinary journey: 627 miles in 87 days. With no plan, other than to reach Queenie, he sets off on a journey of faith. Scribbling on the note he tells her to wait for him. This debut novel from radio and TV writer, Rachel Joyce, will take you on a gentle journey with Harold and the various people he meets along the way. Totally unprepared for what he will encounter, his faith in positive thinking keeps him going as he learns more about his life and relationships with his wife and son.

Max and his best friend Ben. Their school is next to an old church and to their delight, they discover that the stone figures on the church come to life. In this, the second book in the series, Toby, a mischievous young gargoyle with the ability to fly, manages to create havoc at the school, much to the disgust of Mrs Hogsbottom who, after an incident with a skateboard, reminds pupils of school rule number 27: the head teacher must not be run over without permission.

Max spends most of his time trying to keep Toby and the other gargoylz under control: not easy when they can make themselves invisible and so avoid all the blame! When he suggests that Toby runs a bath to clean himself up after eating a packet of chocolate biscuits, it’s not difficult to imagine the rather wet chaos that ensues.

Written for readers age 6+, with an interactive website to explore the stories and characters more, this is sure to keep both boys and girls engrossed, with the added bonus of many more books to enjoy.

screen

FIFTY SHADES OF GREY

Release Date some cinemas 13th Feb 2015 When Anastasia Steele, a literature student, goes to interview the wealthy Christian Grey, as a favor to her roommate Kate Kavanagh, she encounters a beautiful, brilliant and intimidating man.

The innocent and naive Ana startled to realize she wants him, despite his enigmatic reserve and advice, she finds herself desperate to get close to him. Not able to resist Ana's beauty and independent spirit, Christian Grey admits he wants her too, but in his own terms. Ana hesitates as she discovers the singular tastes of Christian Grey- despite all of the embellishments of success - his multinational businesses, his vast wealth, his loving family - Grey is consumed by the need to control everything.

As they get close Ana starts to discover Christian Grey's secrets and explores her own desires.

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Solution corner

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FYI For Your Information

Schools Braidwood Primary School

01555 770279

Carluke High School

01555 773680

Carluke Primary School

01555 771621

Crawforddyke Primary School

01555 771215

High Mill Primary School

01555 772580

Kirkton Primary School

01555 772466

Law Primary School

01698 350816

St Athanasius’ Primary School

01555 771418

Underbank Primary School

01555 860289

Victoria Park School

01555 750591

Lanark Grammar School

01555 662471

St Mary’s Primary School

01555 663480

New Lanark Primary

01555 663069

Robert Owen Primary

01555 662486

Ridge Park School

01555 662151

Kirkfieldbank Primary

01555 662620

Local Buisness Directory

Hospitals Monklands Hospital

01236 748 748

Wishaw General Hospital

01698 361 100

Hairmyres Hospital

01355 585 000

Emergency Scottish Hydro

0800 300 999

ScottishPower

0800 092 9290

NHS24

08454 242424

Gas

0800 111999

Water & Sewage

0345 700800

House Repairs Out Of Hours

0800 242024

Local Police Office

0141 532 2000

Council Refuse Collection

0303 1231020

Benefits & Council Tax

0303 1231011

Help Lines Social Work

0303 1231008

Victim Support

0845 6039213

Pest Control

08457 406080

Cat Action Trust

01555 660 784

Clydesdale Citizens Advice Bureau

01555 664 301

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