OM Magazine, Issue 92, September 2016 by OM Plymouth Magazine

Oracle Magazine 92 Sept â&#x20AC;&#x2DC;16

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Plymouth & South Hams Leading Lifestyle Magazine

Ronan Keating

Refurnish The charity which endevours to help everyone and the environment

He tells us about his new album and his tour which starts right here in Plymouth!

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1 Mo ym & Free G im Sw

Back to School!

Get work, university or the new school year off to a great start 42 September Call OM 691007+ Beauty + www.omplymouthmagazine.co.uk Home + Pets 2016 + Leisure & Events +Plymouth Eating &01752 Drinking Law & Finance + Motoring

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AN ENCHANTING, TRULY UNMISSABLE WEDDING SHOW

THE DUKE

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AT THE DUKE OF CORNWALL HOTEL PLYMOUTH T 01752 275850 E weddings@thedukeofcornwall.co.uk ¬ @TheDukePlymouth www.thedukeofcornwall.co.uk/wedding-collection Image: Toby Lowe Photography

02 September 2016

Client Duke of Cornwall Call OM Plymouth 01752 691007 Artworker Creative Director

Mike Lane

www.omplymouthmagazine.co.uk Finished Size A4 210x297mm

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7894 DoC Wedding Collection Advert Resizes A4

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www.omplymouthmagazine.co.uk Creative Director Myles Lockwood myles@oracle.uk.net Editor Melissa Wylie melissa@oracle.uk.net Accounts Emma-Jane Corry emma@oracle.uk.net Sales Managers Myles Lockwood myles@oracle.uk.net Emily Trace emily@oracle.uk.net Graphic Design Melissa Wylie Tom Coles BA (Hons) tom@oracle.uk.net Abigail Norris Editorial Melissa Wylie

Editor's Note... Is summer over already? September means the start of Autumn, although I have memories of being sunburnt this time last year, so perhaps the sunshine won’t be leaving us just yet (we can only hope!) I’m sure that many kids are excited about going back to school. The new year is always fun, particularly if they’ve stocked up on shiny, new stationary! Or maybe you have more grown-up children who are starting university, and we wish them all the best with their studies. Check out page 30 for our tips on how to prepare. And for the rest of us, it’s business as usual! We need to enjoy the last of the light evenings and watch as leaves begin to turn on the trees. Here at OM, we think it’s a rather beautiful time of year. We’ve been spoilt with events in Plymouth over the last few months, but it doesn’t end here. It’s time for the Ocean City Festival and there are many fun events happening over the course of two weeks. See page 22 for some of our highlights. We hope that you enjoy our September issue!

Digital Abigail Norris Photography Tom Coles Pixabay.com Pexels.com Sister Magazine The Plympton Community Magazine www.plymptonmagazine.co.uk

Melissa Wylie - Editor

OM Plymouth is a proud sponsor of Gables Farm Dogs & Cats Home

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Trade Mark and © Copyright Oracle Publications Ltd 2016. All rights reserved. Nothing in this magazine may be reproduced in whole or in part without the expressed written permission of the publisher. We have done our utmost to ensure that all the content is correct and accurate at the time of print, but we emphasise that Oracle Publications accepts no responsibility for any mistakes or omissions in this publication. All opinions expressed in the Plymouth Oracle magazine are that of the individual contributor and are not always shared by the publication.

FUTURE DOCTOR PARAMEDIC DENTIST PHYSIOTHERAPIST MIDWIFE HEALTHCARE WORKER NURSE ANAESTHETIST PHARMACIST?

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Image sourced via: iStock The Plymouth Oracle Magazine is published, designed, & distributed by: Oracle Publications Ltd, Unit 5, Bowker House, Lee Mill, Near Ivybridge, Devon, PL21 9EF. Any comments should be addressed to the Creative Director.

Open Evening at 6.30pm Wednesday 28 September and Open Day 10.30am Saturday 8 October at Stoke Damerel Community College Open Days are for current Year 8 students who will be joining Year 9 when we open in September 2017

www.scottcollege.co.uk Caring to Learn, Learning To Care

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CONTENTS

September 2016

02 06 10

Duke of Cornwall Hotel

Don’t miss their enchanting wedding show this month - The Duke Wedding Collection Live

ADS Windows and Doors

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your lo We are top-shop one-s ide you with prov ary able to skills necess all the build your to om! bathro dream icles,

Have you ever considered following Feng Shui to make your home a calmer, happier place?

Business Profile - ReFurnish

This family-owned, fitted carpet specialist offer great quality, choice, advice and price.

Network Plymouth

Ronan Keating

University of St Mark & St John

Plymouth Pavilions

Boringdon Park Golf Club

Marjon are offering OM readers a chance to swim for just £1! Find their voucher here.

There’s always lots on at the Pavilions! Check out their upcoming shows.

If you’re excited for Christmas already, book to celebrate with food and parties at Boringdon Park.

Deer Park Country House Hotel

Are They Ready for University?

Have you considered the exquisite Deer Park for your big day?

Washing Machine

XWSC61251 *6Kg load

*1200rpm Spin Was £219.99 SALE PRICE

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Crownhill Fort Plymouth PL6 5BX 01 EE D th 17 ELIV ERYSe SaturdFRay 10am- 12p Washer Dryer

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Fortvie SALE PRICE

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We speak with Barry Bennett about his success working with Raymond James Investment Services ltd.

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Opening Hours: Mon - Sat 8.30am-5pm (Thurs Open til 6.30pm)

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Find us in Crownhill village

Alexandra Boardman offers advice on dealing with controlling and coercive behaviour.

Washing Machine

WMBF742P *7Kg Load *1400rpm Spin Was £289.99

Mama Bear Nursery & Pre ULD

ge book pa our Face Heating’ More on ng & Plumbi ‘TAPS

Make sure that you and your grown-up children are prepared to start university.

There’s plenty going on in and around Plymouth this month to keep us entertained!

O ED • C UARANTEE INSUR G FULLY ALL WORK

SALE PRICE

Would you like to meet local business people and network in Plymouth?

We got chatting to Ronan Keating about his new album and upcoming tour.

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We spoke to David at the Devon charity, ReFurnish, about what they do to help the community and environment.

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Visit us at: 44 Morshead Road, Crownhill, Plymouth, Devon, PL6 5AQ

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Doesn’t include products. Please bring voucher with you and produce when paying* *Terms and conditions apply. Not Including products or any other offer. Discounts on full price list rates. One voucher per client per visit / appointment. Vouchers cannot be exchanged for cash. Subject to availability. Expires 31st October 2016. Halo Hairdressing reserves the right to discontinue a voucher at any time or to modify.

September 2016 07

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September 2016 09

Home

Feng Shui Your Home Feng Shui is a Chinese discipline which can be traced back several thousands of years. It’s the art of placement – the idea that the careful positioning of objects and the things around you can help to channel positive energy. The Feng Shui Society describes it as, “The art and science of designing harmonious environments based on the profound Chinese understanding of how people are connected to and affected by their close surroundings.” The discipline has become popular in modern times, but in the past it would help identify safe places for families to live, and choose the best burial sites for the deceased. Over the years, buildings and even entire cities in China have been designed with Feng Shui in mind. Feng means wind, and Shui means water in English. The perfect balance of these creates harmony which is where Yin and Yang come in. The Yin-Yang symbol is a popular one but one many of us don’t understand. It symbolises balance between two opposites. This could be dark and light, movement and stillness, etc., and there should never be too much of one or the other.

Plants represent growth, prosperity and luck according to Chinese tradition. Rounded leaves have a calming effect, while plants pointing upwards encourage a boost to succeed – pop one on the desk if you’re growing a business or looking to ace an exam.

Another basic concept is Qi. This is the energy generated by thoughts, emotions, water flow, air quality and colour, and these forces influence how a place and its inhabitants feel. Then there are the five elements – water, wood, fire, earth and metal. These can be physical or metaphoric and can be used in various ways to influence their surroundings. Why should the principles of Feng Shui be implemented at home? It’s used to increase wealth, improve health and relationships and protect against misfortune. It can bring happiness and energy and make those living there feel comfortable, settled and closer with nature.

Avoid sharp corners. Rounded, soft shapes are more harmonious.

The entrance of your home is where positive energy can flow in. If you use a side or back door as opposed to the front door, try to change this so that energy flows into the home correctly. Keep it clutter free, and make it look inviting with plants and a clean doormat. Good light and a clear door number will encourage positivity, ensuring that people can find your home easily.

Keep the space under the bed clear to allow air and energy to flow beneath you while you sleep. 10 September 2016

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Consider the connotations of a colour before splashing it onto the walls. Yellow may seem sunny and bright, but it’s far too harsh for a bedroom. Blue is soothing, and green is healing – nature’s colours will make you feel more relaxed.

Water means wealth – good water brings it in, bad water takes it out. Fountains should always run and sinks should have a plant next to them. The drain symbolises wealth leaving the home, and the plant (a wood element) balances this. If you live by a river or stream, it shouldn’t run behind the home as it symbolises missed opportunities, nor should it flow away from the home as it’s a sign of loss. Instead, it should run at the front of the house, in full-sight of the front door.

Keep electronics out of the bedroom. If you must keep a television in there, keep it far away from the bed and drape a pretty scarf or piece of fabric over it when not in use. Please mention OM Magazine when responding to adverts

September 2016 11

Home

For your 10% discount quote ref: OM8 12 September 2016

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September 2016 13

Home

BUSINESS PROFILE Refurnish is changing the face of second-hand furniture shops, benefiting the environment, the volunteers and employees, and the customers. We speak with David, Chief Executive, about the charity and the fantastic things they do. Second-hand furniture isn’t everyone’s cup of tea, but for many it’s a lifeline when an empty house needs furnishing on a near-empty wallet. ReFurnish has branches dotted around Devon, all within easy reach of Plymouth, and their warehouses are brimming with goods which are available to all. At the Wrangaton branch we met David, who is the Chief Executive of the charity, and he was keen to show us around. The warehouse is full with unwanted sofas, beds and wardrobes, with a treasure trove of clothes, trinkets, records and bikes stretching across the back wall under a mezzanine floor. Everything is donated and for sale at very affordable prices – one price is standard, another is at a discount for anyone with proof of low income or benefit. Many sofas cost less than £30. People in need may also be referred by the local council through crisis funds, but helping those struggling to make a house a home isn’t the charity’s only objective.

“

You’re helping the environment by reusing things instead of buying things new

“You’re helping the environment by reusing things instead of buying things new, and you’re also helping to create employment and volunteer opportunities,” David explains. Proceeds from sales helps the charity

14 September 2016

to grow, support activites and continue making employment opportunities.

reason to get up in the mornings and get out of the house.

A lot of furniture and other unwanted household goods end up at landfill, and most of it is in great, reusable condition, but ReFurnish will collect items for free. They will then be bought and reused in a loving home, usually by a family who will really appreciate your donation.

“In an ideal world I would like to get the elderly involved because they have valuable skills and experience that they could share with younger volunteers.”

Another important objective for David is offering volunteering and job opportunities to those who would benefit. “It’s really hard for people who don’t have much confidence or support needs to find something to do where they feel comfortable. I’ve worked with a lot of people who find going out the door to be intimidating. I am aware of the issues faced by people who experience social exclusion, depression, mental ill-health, learning disabilities or loneliness and need a

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“If people want to volunteer they can call the head office or their local branch, then they would come in for a chat with the manager of that shop, followed by an application form and see how they can help. If somebody can only manage a few hours a week initially, that’s fine, although we also welcome people who can commit regularly for longer periods. “I am currently working on a funding bid to develop a furniture upcycling and repair workshop so we can help people increase their feeling of wellbeing whilst learning new skills in a more structured way than our current smaller workshops.” David has a background in accounts, teaching, youth and community and care work, which helps him to manage his team of volunteers at ReFurnish. “I was previously working in the care

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- REFURNISH

Great Blue Hole, Belize

industry for about 12 years, and although, people were housed, had money and were receiving medication, they were often spending their days staring at the walls. To have a chance of getting well people need something meaningful to do.” For David, helping people into work and reducing waste to landfill is a brilliant and rewarding combination. He’s put a lot of effort into securing funding to improve the charity further, and those efforts continue to this day. Also Refurnish is planning to increase their branches especially north of Devon to create greater economies of scale and reduce the gaps between branches for easier sharing of resources. To help the developments mentioned, Refurnish is seeking volunteers with suitable skills to be Trustees and strengthen the board of the charity. In Dartington you’ll find The ReSTORE, which is a project combining the skills of local upcycling artists and volunteers to recreate and rejuvenate donated furniture and goods. These items can then be sold in the shop for a better price which goes back into the charity. Drop-in sessions include furniture repair, upholstery, wild weaving and looming, and David is looking to spread upcycling to other branches. Upcycling is the art of increasing the value of something by

transforming it, usually by sanding wood, using paint, varnishing and re-building. “Once again it’s all mixed objectives. What we want to do is take things that people don’t want, and repair and remake it into something new to sell, giving it a new life. At the moment most of the donations we take are put straight into the warehouse for sale, but we’d like to spend time on the furniture and make other things with it.” There is a constant flow of items coming and going at the warehouse, with vans running from the Wrangaton branch four

days a week. David tells us though that they’re often short of chests of drawers and bookshelves, simply because they’re so popular. “It’s totally unpredictable what we get in and what’s in demand. “Our Crediton branch has had various interesting donations such a leather World War II flying helmet with goggles. “I once found an oil painting that someone put in the scrap because it had a rip in it, but I put it into auction and got £80 for it. And in Dartington they found a picture that had another picture underneath it, and that sold at auction too.” It seems that if you love a good treasure hunt, ReFurnish could be a great place to visit. The bric-a-brac is stacked high, and something which someone else has given away could be something you love. We spotted antique Singer sewing machines, delicate decorative bowls and skirts made with Liberty of London fabric during our visit. If you’re after something on a larger scale and need to furnish a home, there’s plenty to suit every taste and budget. From brightly painted shelving units, to hefty wooden beds and drinks cabinets, these warehouses hold everything you might need.

The Wrangaton branch is open Tues - Sat, 9am to 5pm. Find them at: Unit 2B Wrangaton Business Park,Wrangaton, Devon, TQ10 9GQ Visit: www.refurnish.org.uk Other branches: Buckfastleigh | Crediton | Dartington (The ReSTORE) | Newton Abbot | Tavistock | Totnes Please mention OM Magazine when responding to adverts

September 2016 15

Is your business...?

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Cost: £12 on the door Doors open at 7am and the meeting runs until 9am.

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16 September 2016

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Leisure & Events

Ronan Keating It’s been a while since we’ve heard from Ronan Keating, but he’s not keeping quiet for much longer. He’s been busy working on his brand new album, Time of my Life, and a lot has changed since his Boyzone days, with 40 millions album sales under the Irish band’s belt.

The songs are of celebration, emotion, love and loss and honesty, and all are written with live performance in mind. This bold chapter comes from his new record label, Decca, as he becomes completely content in the music he’s created and wears his tunes on his sleeve. He’s preparing now for his huge tour, and Plymouth is lucky enough to be his first stop… How long did it take you to put together your Time of my Life? It’s the longest I’ve ever taken to make a record. I spent the whole of 2015 writing it which was a very organic process and I wore my heart on my sleeve. I put a lot of time into this album, a whole year when normally it normally takes three or four months.

It sounds like she’s a really talented lady! Has she changed the way you work and your outlook on your career? She means a lot to me. She gave me the power to do something like I am now and gave me strength and confidence.

“

Now the 38-year-old is pushing on with his new endeavours, with the encouraging support of his kids and talented wife. The album has a different sound to what his audience may used to hearing – his appearance in London’s West End stage musical, Once, got Ronan hands-on with an acoustic guitar, and listeners will be able to hear it in his new music.

to come. It’s taken me a long time to get here, but I’m very proud of it. You manage new artists and work on The Voice, Australia, is there any particular qualities you look for in new performers?

This is the proudest I’ve ever been about an album!

Yes I just did The Voice, Australia, and got back three days ago but I really enjoyed it out there. There are lots of things I look for and I try to find it in people, and if I can’t find it I create it.

Time of my Life sounds really different to what your fans might be used to hearing – what inspired you?

So you’re acting, working on TV, managing artists and developing new music – it doesn’t sound like you get much free time! What do you get up to when you get some down-time?

It was my time on the show, Once, that inspired me. Playing guitar and singing and acting all night for shows in the West End created the sound of this album, and it’s very organic with a storytelling feel. This is the proudest I’ve ever been about an album! You seem to be really excited by the whole process of putting the album together, so do you think it’s something you’ll be doing again in the future? I’m quite excited about the next album

You’ve performed in about 50 countries over the years – is there one you’d particularly like to go back to with your new album? I’m going everywhere on this tour! We start in South Africa, then to Scandinavia, then Europe and the UK and Ireland, then Berlin, New Zealand and Asia. I can’t wait to go to Ireland!

I don’t get much down time. Sometimes it’s great to be busy but I’m sure in a few months I’ll be ready for a holiday! Next year I want to take my guitar and travel a bit. Plymouth is the first stop for the UK leg of your tour, how are you feeling about it? I’m looking forward to the show. There will be something for everybody with a mix of old and new songs.

Catch Ronan at Plymouth Pavilions on 9th September - www.plymouthpavilions.com Or at the Princess Theatre in Torquay on 30th September

Your wife features on a couple of tracks which is really special, but has she ever done anything like it before? My wife features in two of my songs - she co-wrote one of them and then did backup vocals in another which is brilliant. My wife did singing when she was younger but this just happened by accident. I was in the kitchen writing and she was singing, having a bit of fun, and I said ‘Why don’t we do something with this and get it out there and get you on the album?’

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www.ronankeating.com Time of my Life available on Google Play, iTunes & Amazon

September 2016 17

Leisure & Events

When MTV Crashed Plymouth

Credit: One Plymouth / Plymouth City Council

es…. MTV definitely ‘crashed’ Plymouth in 2016 with descriptive words such as ‘insane’ and ‘sick’ (extremely positive apparently) coming from the youngsters, whilst ‘absolutely brilliant’ were the words spoken by the rest of us!

Radio Plymouth was delighted to be involved in the event once again and we started ‘geeing’ our listeners up in preparation back in March when the first round of our four website competitions to win tickets to MTV Crashes went live – and the first winners secured their tickets. Radio Plymouth teamed up with Skills Group who sponsored dual branded ‘glow in the dark’ wrist bands for the event. These were handed out to the crowds across both nights by our delightful and energetic Lighthouse Crew! We would imagine that many of those wristbands will become treasured memorabilia of the night and kept for years in various shoe boxes under West Country beds!! Radio Plymouth’s listening demographic is between 25 and 54 but when it comes to promotions like these where precious tickets are up for grabs, the demographic of entrants grow vastly, either with younger listeners getting involved or older parents and grandparents entering to win tickets for their kids or even themselves, and why not? It’s a great family event and Plymouth must be very proud to host it, for both its own community and for the visitors it draws in. We caught up with one of our younger ticket winners, Meg from Ivybridge. She

18 September 2016

gave us her thoughts on the night: “MTV Crashes is such an amazing event! It has a little bit of something for every age! ‘Day time acts’ is the perfect opportunity to grab a drink and some food and appreciate the talent on stage. My favourite late afternoon act was Jonas Blue. He created this fantastic Radio Plymouth’s Jane Atwill, Laura Goodchild, Charlotte Adams, atmosphere where Jemma Jones & Hayley Bowden everyone was put in high spirits, dancing and singing away. “It was also brilliant to see other star acts like Rudimental, Jess Glynne, Example and Tough Love. I found the huge crowd fun, approachable and friendly as, like me, they were there to enjoy the music and have an amazing time! I’d definitely recommend this event to everyone!” MTV Crashes 2016 was even bigger and better than its previous 2 years and we are already stamping our feet in preparation for MTV Crashes 2017! Can it get any better? We can’t wait to find out.

Jemma Jones interviews Jonas Blue

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ENJOY A SWIM FOR £1 Other Facilities Include: * Family Changing * Astro Pitches * Fitness Suite * Sports Halls * Gymnasium

Present the voucher below to reception before 11/10/16 and enjoy a swim for just £1

OM MAGAZINE £1 SWIM VOUCHER To claim this oﬀer just present this voucher to sports centre reception before 11/10/16 We are open Monday to Friday 7am to 10pm and weekends 9am to 5pm however swimming times do vary so please check our timetable by calling 636876 or on our website. One £1 swim per voucher Normal Sports Centre terms and conditions apply and a copy of these are available on request or can be viewed on our website. POOL ADMISSION POLICY: All non swimming children must have an adult with them at all times (we class a non swimmer as someone who cannot swim 25m) Under 8's one adult in the water to two children. Over 8's who can swim must have an adult on the premises that can be contacted at all times and over 14's who can swim, can swim unaccompanied. Swimming sessions are for individuals, couples and families only. Groups should contact the sports centre about their requirements before visiting, 1 voucher for 1 £1 swim and only 1 voucher can be used per person during the promotional period.

@marjonsport marjon.ac.uk/marjon-sport

01752 636876 sportsreception@marjon.ac.uk

Specialist dementia care home with nursing

Early Years Join our BRAND NEW pre-school club for 0-4 year olds - FOR FREE! fantastic benefits include: • Midweek prices at weekends for 0-4 year olds • Free visit for your child’s birthday • 10% off cafe purchases • 20% off childrens parties

Waypoints Plymouth is a welcoming home set in wonderful grounds with stunning views of the River Tamar. It has been purpose-built for the needs of people living with dementia, including bigger, beautifully decorated rooms, wider corridors and even a circular walk around the building to aid freedom of movement. At all our Waypoints homes, we help residents to feel as comfortable, happy and safe as possible, supporting them throughout the different stages of dementia.

£10 Afterschool Party!

Why not come and take a look around? To arrange a viewing please call 01752 360 450 (quoting ‘OM Plymouth’)

Is your child celebrating a birthday or just wanting to enjoy some fun with their friends? Enjoy our Afterschool Party, Monday - Friday term time for £10 per child! Even better the birthday child goes completely FREE!

For more information, please give us a call on

01752 782415

The Dementia Care Specialists

www.waypoints-care.co.uk Waypoints Plymouth, Ernesettle Emesettle Lane, St Budeaux, Plymouth PL5 2EY

or visit our website at www.123jump.co.uk Terms and Conditions: Applies to new bookings only and cannot be added retrospectively. Minimum Number of 8 paying children. Not to be used in conjunction with any other offer. Applies to Afterschool Parties only and does not include weekend/Holiday Activity, Laser, Toddler, Teenage or Adult party events.

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September 2016 19

18 September 2016

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September 2016 19

OCEAN CITY FESTIVAL

Leisure & Events

11th - 25th September 2016 Ocean City Festival is returning for its fifth year, sponsored by City College Plymouth, with over thirty spectacular events taking place across the city. This two-week long festival is a celebration of Plymouth’s waterfront location and its connection with the sea, with events for all ages offering a real variety of education, marine science and technology, seafood and maritime cultural events, with lots of activities for the whole family to enjoy.

OUR TOP PICKS IMECHE Cardboard Boat Race Sunday 11th / 10am - 5pm The festival kicks off on 11th September with the challengingly fun IMECHE Cardboard Boat Race – entrants make boats out of cardboard and sticky tape with the winner being the boat staying afloat the longest. New this year will be a pre-built category. PDSSA Boathouse, Commercial Wharf, PL1 2NX

Plymouth RNLI Lifeboat Open Day Sunday 11th / 12pm - 4pm Also, the Plymouth RNLI will be holding an open day including a tour of a lifeboat. The Sea Portraits Exhibition gets underway and there will be regular tours of the Royal Citadel. Royal William Yard, PL1 3RP

STEMFest 12th - 16th (primary years 2-6) 19th - 22nd (secondary key stage 3) 23rd (Home Education day ages 6-14) Pupils from schools throughout the South West will be taking part in the National Marine Aquarium’s fifth annual STEMFest with a series of interactive workshops, events and activities with a science, technology, engineering and maths theme. Tickets £7.50 National Marine Aquarium, PL4 0LF

Open Air Cinema Thursday 15th - The Big Lebowski (18) Friday 16th - Dirty Dancing (12) Saturday 17th - Ghostbusters (15) It’s the return of the Open Air Cinema at the Royal William Yard, with a showing of this year’s smash hit Ghostbusters! Also includes a bar offering wine, beer, soft drinks and cinema snacks. £8 standard ticket, also VIP available. 9pm start, doors at 7pm. Royal William Yard, PL1 3RP

22 September 2016

Credit: Lucy Blake

Meridian Festival 16th, 17th & 18th Meridian Festival is a celebration of music and storytelling from different cultures and faiths on the theme of the sea. A very unique event bringing together talented artists. Plymouth Unitarian Church, Notte Street, PL1 2HG

Family Fun at Frankfort Gate Saturday 17th / 11am - 3pm Have some family fun in Frankfort Gate and get involved with arts and crafts. Enjoy Mount Batten Watersport’s land-based kayak and meet some creepy critters from Dartmoor Zoo. Frankfort Gate, PL1 1QA

Introduction to Marine Mammal Research Saturday 17th - Sunday 18th Be a marine biologist and discover the methods used to study the underwater world. Have an on-board boat experience as well as different scientific surveying methods, such as photographic identification and passive acoustic monitoring. Visit www.oceancityfestival.co.uk for boat times and booking details. Royal William Yard, PL1 3RP

Plymouth Seafood Festival Saturday 24th - Sunday 25th Sutton Harbour and The Barbican will come alive with locally caught seafood as part of the annual Seafood Festival. Free to attend! Sutton Harbour and The Barbican

The Barbican Raft Race Thursday 25th / 4pm The barbican raft race is back in force! Watch teams battle on the water in a bid to win the race and raise money for Jeremiah’s Journey! Free for spectators. Mayflower Steps, Commercial Wharf, PL1 2LR

Visit: www.oceancityfestival.co.uk for more information and a full programme of events. Call OM Plymouth 01752 691007

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Christmas at

PERFORMING LIVE AT On Friday 13th November 2015

Christmas Party Nights FREE Glass of Cham pagne on Arri val

3-Course Dinner – Magician – DJ until 1am - £31.95 per person

Festive Lunches & Dinners 2 or 3-Course Christmas Lunch or Dinner From only - £17.95 per person

Christmas Day Lunch Welcome drink – 4-Course Lunch Adults £65.00 per person / Children U12 £29.50 per person

New Year’s Eve Blackjack Dinner & Dance

www.boringdonpark.com | info@boringdonpark.com | 01752 339113

Welcome drink – 4-Course Dinner, Fun Casino inc. Blackjack & Roulette Champagne at midnight - DJ until 1am - £57.50 per person

Come & Celebrate with us…

Bookings now being taken on 01752-339113

www.boringdonpark.com info@boringdonpark.com | 01752 339113

Join us for our open day at

Mama Bear’s Day Nursery & Pre-school

Fortview

Crownhill Fort Road, Plymouth PL6 5BX 01752 782552 Saturday 17th September 10am- 12pm

This is a great chance to have a look around our fantastic facilities and meet our wonderful staff. There is free registration on the day and you may even qualify for a free place! Please call if you need any more information.

www.mamabear.co.uk Please mention OM Magazine when responding to adverts

September 2016 23

D AN

Truly Scrumptious!

OP 10

Leisure & Events

S IN ENGL

HONITON, DEVON

E XQ U I S I T E • Q U I N T E SS E N T I A L • E N G L I S H C O U N T R Y H O U S E Multi-award winning hotel • 80 acres of beautiful countryside • 32 splendid bedrooms • Award winning food The finest of characteristics • Stunning Italian garden • New Georgian orangery • The finest chefs Exclusive bride & groom treehouse • Honey from our walled garden and apple juice from our orchard…

Perfection to the finest detail! www.deerpark.co.uk

Deer Park Country House Hotel, Weston, Honiton, Devon EX14 3PG | 01404 41266

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24 September 2016

22/08/2016 10:04

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Eating & Drinking Local Directory Pub Food

Bars & Cocktail Annabel’s Carpe Diem The Berkeley Bar & Grill The Dairy The Refectory Tigermilk

Vauxhall Street, Plymouth 50 North Hill, Plymouth 19 Princess St, Plymouth 25-27 Bretonside, Plymouth 60 South Street, Plymouth Millbay Road, Plymouth

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Chinese Restaurants Buffet City China Wok Crystal Dragon Fortune Court Hakka Jasmin Restaurant Jasmine Chinese Ming Dynasty Noodle Lounge Seow’s The Hoe Cantonese The Wet Wok View Pan Asia Wah Tin

1 Derrys Cross, Plymouth Colebrook Inn, Plympton 10-11 Southside St, Plymouth 9 Tin Ln, Plymouth 13 South Street, Plymouth 3 Buckland Terrace, Yelverton 115 Fore Street, Kingsbridge 203 Billacombe Rd, Plymstock Top Floor, Southside St, Plymouth 1 Radford Park Rd, Plymstock 14 Athenaeum Street, Plymouth 75 Hoe Rd, Plymouth 80 Royal Parade, Plymouth 57-59 North Hill, Plymouth

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Fish & Seafood Restaurants Catch 22 Atlantic Fryers Kingfisher Oyster Shack Platters Rockfish The Samphire Bush The Seafood & Pasta Bar The Village Restaurant

6 Quay Road, Plymouth 58 Faringdon Road, Plymouth 6 Glen Road, Plympton Stakes Hill, Kingsbridge 12 The Barbican, Plymouth Sutton Harbour, Plymouth 36 Admiralty Street 10 Quay Road, Plymouth 32 Southside Street, Plymouth

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French Restaurants Bistro 35 Chloe’s Le Bistrot Pierre

35 Church St, Ivybridge Princess Street, Plymouth Royal William Yard, Plymouth

01548 831273 01752 201523 01752 262318

Greek Restaurants Lanterns Meze Grill The Grecian Taverna The Leandra Zeus

88 Cornwall St, Plymouth Sutton Harbour, Plymouth 9 Market Avenue, Plymouth 19-21 Frankfort Gate, Plymouth 150 Cornwall Street, Plymouth

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Indian Restaurants Cafe Indiya Ganges and Gurkha Himalayan Spice Mombay Brasserie Nibana Shapla Balti Cusine The Curry Corner The Eastern Eye The Spice Well

18 Church St, Stoke, Plymouth 36 Bretonside, Plymouth 31 New Street, Plymouth Penrose House, 4 Lockyers Quay 9 Morshead Rd, Crownhill 137 Ridgeway, Plymouth 1-3 Mutley Plain, Plymouth 57 Notte Street, Plymouth 18 Buckwell Street, Plymouth

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Italian Restaurants Bella Italia Frankie & Benny’s Morgans Market Grill Pizza Express Positano Prezzo

30-33 Derrys Cross, Plymouth Barbican Leisure Park, Plymouth 19 Princess St, Plymouth 9 Market Avenue, Plymouth 16 Barbican Approach, Plymouth 36 Mayflower Street, Plymouth Royal William Yard, Plymouth

Admiral MacBride Beefeater Rose and Crown The Bank The Britannia The Boringdon Arms The Burrator Inn The Chaddlewood The Elburton Inn The Fishermans Arms The Jack Rabbit The Miners The Royal Oak The Ship Inn The Ship

1 The Barbican, Plymouth 300 Plymouth Road, Plymouth Market Street, Yealmpton Old George St, Plymouth 1 Wolseley Road, Stoke, Plymouth Boringdon Rd, Plympton Dousland, Yelverton 100 Glen Road, Plympton 221 Elburton Road, Plymstock 31 Lambhay St, Plymouth 8-9 Howeston Road, Plymouth Hemerdon, Plympton Meavy, Yelverton Noss Mayo, South Devon Quay Road, Plymouth

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Spanish Restaurants Lorenzo Maritimo Zuzimo

26 Derrys Cross, Plymouth Hoe Road, Plymouth 153 Vauxhall Street, Plymouth

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Speciality Restaurants Arribas B-Bar Blues Bar & Grill Chiquito Ed’s Diner Fishbone Restaurant Heaven JDs Grill Koishii Las Iguanas Nandos River Cottage Samphire (V) Seco Lounge Shirley Valentine’s Sizzall The Dock The Mission The Stable Yo Sushi Yukisan Wagamama

56-58 Notte Street, The Barbican Barbican Theatre, Plymouth 8 The Parade, The Barbican Barbican Leisure Park, Plymouth 1 Charles Street, Plymouth 1 William Prance Rd, Crownhill 162 Exeter Street, Plymouth 17 Derrys Cross, Plymouth 101 Mayflower St, Plymouth Royal William Yard, Plymouth 15 Old Town Street, Plymouth Royal William Yard, Plymouth 111 Mayflower St, Plymouth 4 Royal William Rd, Plymouth 12 New Street, The Barbican 15 Derrys Cross, Plymouth King Point Marina, Brunel Way Sir John Hawkins Square, Plymouth Vauxhall Street, Plymouth 1 Charles Street, Plymouth 51 Notte Street, Plymouth Royal William Yard, Plymouth

01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752 01752

603303 242021 257345 228342 226046 835793 223232 601605 222868 226609 664907 252702 263116 229375 669686 255201 253555 229955 228069 521410 250240 663200

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Traditional Restaurants Barbican Steak House Barbican Kitchen Boringdon Park Grosvenor Casino Innfusion Restaurant Jolly Jacks Kitley House Langdon Court Lord Louis Moorland Garden Hotel Moorland Hotel Quay 33 The Dome Rock Salt Cafe & Brasserie Steak and Omelette The Artillery Tower The Bridge The China House The Dock The Foxhound Inn The Quayside The Treasury The Treby Arms

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61 Notte Street, Plymouth 60 Southside St, Plymouth 55 Plymbridge Rd, Plympton 15 Derrys Cross, Plymouth Jurys Inn, Exeter Street, Plymouth Mayflower Marina, Richmond Walk Kitley Estate, Yealmpton Down Thomas, Plymouth Glen Road, Plympton Yeoland Down, Yelverton Wotter, Shaugh Prior, Plymouth 33 Southside St, Plymouth The Hoe, Plymouth 31 Stonehouse St, Plymouth 116-118 Cornwall St, Plymouth Durnford Street, Plymouth Shaw Way, Mount Batten Sutton Harbour, Plymouth King Point Marina, Plymouth Kingsbridge Road, Brixton Quay Road, Plymouth Catherine St, Plymouth Sparkwell, Plympton

September 2016 25

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EMAIL: Please send to: Oracle Publications Reader Response, Suite 5, Bowker House, Lee Mill Bridge, Ivybridge, Devon, PL21 9EF by 30th September

Raspberry & white chocolate traybake

In the spirit of Great Brtish Bake off we’re treating you with this quick and deliciours traybake. With only ten minutes of prep this is the perfect pudding for a lunch party or a treat with a cup of tea in the afternoon.

Ingredients

Cuts in 16 Pieces

• 375g pack ready-rolled shortcrust pastry • 500g mascarpone • 100g golden caster sugar • 100g ground almonds • 2 large eggs • 250g fresh raspberries • 100g white chocolate, roughly chopped

Method 1. Heat oven to 160c/fan 140c/gas 4. Roll out the pastry and use to line a 30 x 20cm tin. Line with greaseproof paper, fill with baking beans and cook for 10 mins. Take out the beans and paper, then return to the oven for a further 5 mins. 2. Whisk together the mascarpone, sugar, almonds and eggs until well blended. Fold in the raspberries and chocolate, then pour into the tin.

Recipe from www.bbcgoodfood.com Discover more recipes at: www.riverford.co.uk/recipes Image from www.recipeshubs.com

26 September 2016

Bake for 20-25 mins until just set and lightly golden. For the best results, chill for at least 1 hr before slicing.

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great contacts within the industry, and knows exactly what it takes to satisfy those seeking work, as well as establishments seeking staff. Next Generation Education are currently advertising various roles for nursery staff, SEN support workers and primary/secondary school teachers. They believe that these people will all play a vital role in developing and educating the next generation. They understand that parents want senior staff to care about children as individuals and have great pleasure in seeing the candidates they put forward go on to be successful.

Inspire, Influence & Improve The Lives Of Children Education, Education, Education. A familiar and iconic line for one particular politician. Whether you feel this message was adequately delivered is a matter of opinion, but what is for definite, is that the sentiment still rings true, because every parent wishes the best education possible for their children. To ensure local education is helping to inspire, influence and improve the lives of children – you need talented teachers and support staff. One local recruitment agency, who launched earlier this year, is determined to attract the crème de la crème of education professionals whilst also helping to kick-start the career of graduates who have just finished studying. The Next Generation Education brand launched in June 2016 by city entrepreneur and owner of the Talem Recruitment Group, Donna Barnes. Its main aim is to provide a diverse range of educational settings with full access to a talent pool of professionals. This spans from nursery staff right up to primary and secondary school teachers. Next Generation Education are currently seeking teachers, teaching assistants, support workers, nursery staff and child carers. The group has already built fruitful partnerships with local schools and child care providers, and plans to continue building upon their presence through the acquisition of further skilled professionals who share a passion for education.

Improving The Career Horizons For Professionals

Whether it’s at nursery, primary or secondary school level - how warm, friendly and supportive the establishment is and how it approaches education, remains the biggest priorities for parents. Next Generation Education acknowledge this importance and make it their mission to not only place great workers but provide great human beings too, people that value learning and development, and can guarantee a safe and comfortable environment for children to flourish.

Looking For A Role In Education? Although the Next Generation Education team have stabilised a presence in the Plymouth area they are determined to attract more professionals. Whether experienced or recently graduated, they want to hear from you! The group are confident that they can improve the career options of anyone working in education. Let’s inspire, influence and improve together.

For a chance to meet the team, discuss your dreams and find the best job for you – why not contact katy@nged.com or call 01752 229925!

Hiring Now! Are you a teacher or a nursery worker? Do you have experience working in the educational sector or are you about to finish your training/studies?

A recent poll by TES (Times Educational Supplement) reports that in the past year there’s been an 82% rise in teachers feeling more stressed, which could result in them leaving their profession. Despite much of this being reflective of larger classes and overwhelming workloads - influenced by squeezed budgets across UK schools, it’s still a statistic that Next Generation Education are keen to address. By solely concentrating on the education sector, the brand feels that it can offer a greater understanding of the marketplace, discover opportunities that are better suited for individuals and supply the ample amount of support that education professionals deserve.

Next Generation Education Lower Compton Road Mannamead Plymouth PL3 5DH

The team are fortunate enough to be equipped with KatyRae Jones, an experienced education specialist recruitment consultant. Over the years Katy has accumulated numerous

E: admin@nged.co.uk T: 01752 229925

Get in Touch -

For more details visit our website at www.nextgenerationeducation.co.uk

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September 2016 27

Specialist Adoption Agency â&#x20AC;˘ Lifetime of Support â&#x20AC;˘ Offices in Devon, Dorset, Somerset & Cornwall

Could you Foster to Adopt?

We are urgently looking for families to adopt babies through this process. Families for Children have always specialised in placing the most vulnerable children with secure and loving adoptive families. We are currently looking for families to adopt babies and very young children through the Fostering to Adopt program. Fostering to Adopt helps prevent delay for babies by being placed with Adoptive families sooner and therefore prevents unnecessary moves in and out of foster care this in turn provides consistent care for the child and reduces possible future harm and it supports the child in developing healthy attachments.

2014|2015

charity number: 1093131

01364 645480

www.familiesforchildren.org.uk

28 September 2016

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Specialist Adoption Agency â&#x20AC;˘ Lifetime of Support â&#x20AC;˘ Offices in Devon, Dorset, Somerset & Cornwall

Families for Children want you.

Families for Children are looking to recruit local people in your community to fulfil our newly created roles of Volunteer Fundraisers. Would you like to be part of a Volunteer Fundraising Committee that will raise awareness of the charity across the South West and help us raise vital funding? Families for Children finds loving and supporting adoptive families for the most vulnerable children and then provides Adoption Support Services that help families to achieve positive change that will last a lifetime. If you could offer us your fundraising ideas, host a coffee morning, run a challenge event, or offer us some of your valuable time to make a difference, we would like an informal chat with you to find out more. Please contact: Tracy Ebbrell, Fundraising Officer. Tel 01364 645480 or email tebbrell@familiesforchildren.org.uk

2014|2015

charity number: 1093131

01364 645480

www.familiesforchildren.org.uk

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September 2016 29

Are They Ready for

University?

Going to uni can be difficult for teenagers. Make it easier for them by teaching them everything, from boiling an egg to washing clothes to managing their money...

INSURE THEIR STUFF

LAUNDRY LESSONS

You’ve had home and contents insurance for years, but it’s probably not something your kids will have taken notice of. Remind them to get themselves covered and explain the importance of protecting their possesions. Student halls and houses aren’t immune to flooding and fires, and those without insurance could lose everything should the worst happen. Endsleigh is reccomended by most universities as they’re tailored specifically for students. Check out their gadget bundles, and they have options to add on extras such as instruments and sports equipment.

They might help out around the house, but would you trust your teenager with your washing? Student halls will have a laundrette and there will be washing machines in shared houses, but a lot of students start university without the knowledge of how to do their washing properly. To avoid them sleeping in the same bedding all year or having more clothes in the wash basket than in the wardrobe, teach them a few simple lessons:

SET UP A STUDENT BANK ACCOUNT It’s important for students to set up a student account, rather than continue with their regular current account. Fees are much lower, the banks are generally kinder and there are often freebies involved.

• • • •

How to split clothes into whites, darks and colours What can and can’t be tumble dried How to wash delicates How to use detergent and fabric softener

Tip: Pack them an airer for hanging wet clothes to dry

Remember, it’s okay for a student to use their overdraft facility, as long as they use it wisely. Student accounts are the only type of account to offer fee free and interest free overdrafts, so students won’t pay back more than they borrowed. This facility usually lasts for a few years after graduation to give them time to pay it back, before regular fees and interest rates start to apply again. Some of the best deals this year: Santander - free 4-year railcard to save money on train fares HSBC - £60 Amazon voucher, up to £3,000 overdraft limit and they won’t allow you to go over your set limit (no scary fees) Natwest - free 4-year National Express coachcard

30 September 2016

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STUDENT EATING HABITS Your teenager could be a fantastic cook, in which case, you have little to worry about when it comes to them eating at university. However, some students have trouble boiling an egg. Make sure that they know all the basics before they head off - baking potatoes, easy pasta sauces, quick and simple meals, freezing and defrosting food and cooking on a budget. Take them on their first food shop. This is easiest on the day you help them move in because they’ll start getting to know their local supermarket. You might want to spoil them but try to avoid doing so - teach them clever budgeting tricks. Check out Asda’s Student Shopper Cards. You keep one and your son/daughter keeps the other. When you top it up the balance transfers to the student card for them to spend in-store. You’ll know how much is being spent and won’t worry that they’re going without food.

LEAVING THEM TO IT

STUDENT LOAN TALK

It would be very tempting to invite your child home everytime they call and sound a bit panicked, but they need to settle. Heading home every weekend will only mean that they miss out on important bonding time with new friends. If they really are floundering, a visit home wouldn’t be a problem, but remind them that you’re only ever a phonecall away and sometimes that can relax a homesick student just as much.

Hopefully your son/daughter has been through the entire process of applying for student loans and are awaiting their first payment. Many quickly forget that this amount needs to last them until the new year. If your child is receiving the full amount available, it will need to cover their rent and food for around four months, so teach them to put aside enough to keep a roof over their head and food in the kitchen so that they can see how much they have leftover for spending.

On the other hand, don’t be surprised if you rarely get a call in those first weeks. The most outgoing students will dive into university life with ease and will be busy exploring their new home. When you say goodbye after moving them in, try not to show it if you’re upset. Your teenager might be doing a good job of holding it together but could crumble at the sight of their mum in tears. Others could be quite happily ushering you out of the door, keen to get comfortable and meet their flat/housemates.

If you’re supporting your child financially, transfer money regularly and of a certain amount. Remember, they’re studying most days, probably won’t eat like a king and student bars often charge only around £2 a drink. Teach them to budget by only sending them the money they need. It may be tempting to step in when problems arise, but these money lessons will stay with them for life.

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September 2016 31

what’s on plymouth? Your guide to what’s on in and around Plymouth this month PARTY ON THE FARM This one-day festival at Old Newnham Farm is in aid of St. Luke’s Hospice and The Multiple Sclerosis Society. There will be local food from The B-Bar Thai Noodle Bar and ‘Ahoy! Fish and Chips’, and live music from local favourites including Vince Lee, and the popular funk band, Freshly Squeezed. Ticket info on Facebook: Party on the Farm 2016.

Old Newnham Farm, Plympton 16th September

PLYMOUTH SEAFOOD FESTIVAL The Barbican and Sutton Harbour will come alive with entertainment, activities and dishes to celebrate the city’s fantastic seafood. There is also a crabbing competition, catch of the day, Plymouth fish auction and many different chefs on stage teaching the public how to make healthy and fresh food.

The Barbican / 24th - 25th September

OCEAN CITY FESTIVAL

gIN FESTIVAL

GRAN FONDO

We’ll be celebrating everything that makes Plymouth Britain’s Ocean City. There will be many exciting events which will appeal to everyone in the family, such as seafood and maritime events. We’ll also be welcoming back the fantastic Cardboard Boat Race, RNLI Open Day and Open Air Cinema!

Plymouth Gin & Tonic Festival returns with over 100 different gins to try including some of the best gins from around the world! This event lasts all day and into the night, and it has tons to offer such as a gin bible, sampling, a free goody bag, gin talks, cocktail demos, a gin garden party and live entertainment! Over 18’s only.

The second stage of the eagerly anticipated Gran Fondo is this month and will host the 100-mile route and The Medio 70-mile route. Riders will go from moor to coast in both Devon and Cornwall, both starting and finishing in the Royal William Yard. Attracting over 300 cyclists, it’s anticipated to be very popular!

Plymouth Guildhall / 3rd September

Royal William Yard / 18th September

Various Locations, Waterfront 11th - 25th September

PLYMOUTH LIVE MUSIC NIGHT Located on the Piazza come and enjoy live music performed by some great, local musicians! From 7pm until 10.30pm you can enjoy hearing Martyn Crocker, Roadside and The Sound. Entry to the event is completely free, and refreshments and a bar will be available.

The Piazza / 2nd September

PLYMOUTH ART WEEKENDER This three-day event will take over the city and celebrate Plymouth as a contemporary art destination, with confirmed artists including Douglas Gordon, Myriam Lefkowitz, Jock Mooney and Holly Davey. There will be participatory events for all ages and large scale exhibitions in public spaces.

Various Locations 23rd - 25th September 32 September 2016

LOOE MUSIC FESTIVAL With over 90 bands confirmed, five stages and three days of great fun, LMF is back to mark the end of summer! Dance the night away on the beach, discover new music and explore the beautiful town. Acts already confirmed are Bryan Ferry, Fun Lovin Criminals, Wilko Johnson, Craig Charles and many more! Weekend tickets are still available and day tickets start at £30.

Looe / 23rd - 25th September Call OM Plymouth 01752 691007

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Health & Beauty

DO YOU SUFFER WITH UNWANTED HAIR, UNSIGHTLY THREAD VEINS OR PIGMENTATION AFFECTING THE FACE, LEGS OR BODY? Our Laser Nurse Specialists based at Nuffield Health, Plymouth Hospital can help

To arrange a FREE one-to-one chat with a Laser Nurse Specialist Telephone 01752 788088 or for more information visit www.iplclinics.co.uk

Improving standards in health and wellbeing education with clear, concise and entertaining lectures that provides practical information that can be taken away and used immediately

Solving the Mystery of Stress - 17th October - 1 day course £150 Fat & Cholesterol - The Real Superheroes - 18th October - 1 Day course £150

Two days for £200 - incredible value Venue: CoLab, King William St, Exeter EX4 6PD

Book on

www.eventbrite.co.uk or call Austin Burn-Jones 07731 579288

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Law & Finance

Down to earth, can do approach, national award winning accountants. Accountancy Services, Company Secretarial, Payroll, Tax Services / Returns, PAYE, Inheritance Tax & Trusts

WOULD YOU LIKE AN ACCOUNTANT WHO HAS FIXED FEES, QUOTES UPFRONT & GUARANTEES THAT IF YOU ARE NOT HAPPY WITH THEIR SERVICE, YOU DON’T PAY? Look no further, you have found them...

FRIENDLY EXPERIENCED STAFF

What makes us different Award winning firm which doesn’t charge for calls, emails or visits. Zero risk We operate a strict policy. If you aren’t happy with our service you don’t pay.

WE’RE ONLY EVER A PHONE CALL AWAY

" H.M. Williams have looked after my affairs over the last fourteen years, nothing however small is too much trouble if you are seeking a caring, sensitive and totally professional advisor look no further." The Lord Zouche -Jimmy Zouche

We also write a range of business books on tax, companies and running a business which are free to our clients.

Call: 01752 334950 | Web: www.hmwilliams.co.uk | Valley House, 53 Valley Road, Plymouth, Devon PL7 1RF

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What Options Do I Have With My Final Salary Pension Scheme? By Mike LeGassick

irst of all, let me say that final salary pension schemes offer excellent indexed linked benefits for life and should never be transferred out on a whim without good reason and detailed advice. But a lucky few could be about to become the source of new-found jealousy among the “gold-plated” pension community. This is because when it comes to asking their scheme if they can take a “transfer value” for their pension – instead of waiting and taking the pension itself – some people are being offered far more money than others. And this is the case even where similar levels of pension income have been promised. The issue is hugely important right now, as some pension savers look to take advantage of the new access rules that came into effect last year. These will allow “money purchase”, also known as “defined contribution”, pension savers to access their cash at once from age 55. But savers with final salary schemes could access their benefits in cash form only if they first request a transfer value and move the money. Calculations based on real transfer values requested by employees are showing employers offering anything between 16 and 70 times the pension they were going to receive from their employer. Generally speaking, the bigger your employer, the more generous your transfer value is likely to be. Large financial companies, banks and insurance companies tend to offer the best transfer values. Big airlines and telecoms businesses are also offering generous-looking deals, as well as oil

companies and other non-financial FTSE 100 companies. Some firms are prepared to offer such generous transfer values that if savers took the cash and invested it, they would not need to achieve very high investment returns in order to obtain the same benefits as originally promised, but only many years earlier. “Unfunded” public sector pensions, such as the NHS, Firefighters, Teachers and Armed Forces schemes, stopped letting people transfer out after April 6 2015. How do companies calculate how much cash you’ll get? The transfer value is supposed to be the amount that your employer has put aside to pay for your benefits when you reach 60 or 65. Pension schemes consider factors such as whether you have a spouse or partner named on the policy, and your age. They then use a process called “discounting” to work out the “present-day” value of your benefits, using assumptions about investment returns and future inflation, among other factors. The reason some companies are offering more generous transfer values than others is that some have adjusted their calculations to reflect current low interest rates, whereas others haven’t. How to tell if you’ve been offered a good deal To calculate your multiple, you need to divide the transfer value by the annual

income in today’s money. You should be able to work this out from your statement. Multiples will vary depending on your age, when the pension starts and how generous pension increases are, up to retirement age and in payment. If you are relatively young, your transfer value could be lower than an older person’s and still represent good value. This is because you have longer to invest and can afford to take more risk. What happens to my pension when I die? After you die, most final salary pension schemes will only pay half of the pension you were receiving to your spouse until they die or a qualifying dependent child no longer becomes dependent. If you have neither of these then the pension dies with you. So if you stay in the final salary scheme, your family would inherit considerably less than if you had personal pensions. Under the new Personal Pension Freedom rules if you die before 75 then your spouse or children will inherit all of your pension tax free. If you die after 75, which I guess is the plan, then they will still inherit all of the money, but they may pay some tax if they are a tax payer when they choose to access the money, but the wealth stays under your roof until it is all gone. Be very wary of anyone calling you unsolicited offering you a deal on your pension that seems too good to be true. There are many scams going on at the moment because of the new pension freedom rules. Please give me a call to discuss your options.

Call Mike now at Manning & Company: 01752 837950 Email: mikel@manningandco.co.uk Please mention OM Magazine when responding to adverts

September 2016 35

Law & Finance

BUSINESS PROFILE Barry W.P. Bennett & Sons is the successful Yelverton based branch working with Raymond James Investment Services Ltd. We speak to Barry Bennett about his past, his business, his family, and the future... Just five minutes into a conversation with Barry Bennett, and we already understand how important the family is to the continued growth and future success at Barry WP Bennett & Sons. Based in a bright office in Yelverton on the beautiful Moors, the whole family help him run their bespoke Private Client Investment Management and Financial Planning business with the back-office regulatory, research, IT and compliance support provided by Raymond James Investment Services Ltd. At the core of their philosophy and their purpose is looking after their private clients, small businesses, charities and trusts to consistently earn more from their investments. Barry explains: “We combine personal, tailored bespoke, integrated financial planning with quality, blended, global, ‘total return’, diversified ‘in house’ investment management service to align our client’s money with the outcomes they are seeking for an ‘off-the-peg price’”. Barry is finding that “increasing the clients’ retirement income is the most common theme at present in an environment where deposits interest rates are lower than ever.” This is now their target market and the current area of greatest demand of enquiries for their services from those individuals either planning for or already in retirement.

“

We give a bespoke, quality service for an off-the-peg price

The essential part of their process is their friendly ongoing client engagement which they find helps their clients evolve greater confidence to what is possible with their money. Barry says about an often ‘hidden benefit’ on the added value of professional advice is that: “Interestingly we have found from client feedback a positive intangible beneficial sideeffect is a significant improvement in the general ‘peace of mind’ and ‘sense of well-being’ in their attitude and confidence towards their own money. Surprisingly this contrasts with their earlier feelings which were an odd combination of concern, uncertainty, mystery, worry and even with some elements of guilt with their attitude towards their own money in that they suspected and felt that they were not making the best use of their own money in terms of their outcomes and the impact on their own ‘quality of life’.”

The core investment outcomes they provide for these clients in retirement are driven by 3 investment priorities to provide outcomes which:

Hence they are continually looking to meet and advise discerning individuals who are serious about seeking improvement in their ‘quality of life’ in putting in place a ‘Way Forward’ with a long term strategic plan to optimise their money to align with their chosen outcomes.

• Monthly pay out on 5% per annum income of assets held • Preserve capital value over the long term • Look to grow capital value over the long term to hedge against long-term inflation

Barry is well experienced and qualified to offer professional advice being both a Chartered Financial Planner, the industry “gold” standard, a Stockbroker (aka “The Dartmoor Stockbroker”) and a Chartered Wealth Manager. He is a Fellow of the Personal Finance Society as well as a

36 September 2016

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Fellow of the Chartered Institute for Securities & Investments. Simon, Barry’s elder son, with a Master’s degree in Chemical Engineering (Bath), has also qualified as a Financial Planner, Stockbroker and Wealth Manager and Henry, Simon’s younger brother, is also gaining practical business experience with the intention of following this same path over the next few years following on from his 3 years in London in gaining his Financial Services Bachelor’s degree. Barry has an interesting and varied past. He served in the British Army as a Royal Engineer Officer for 20 years leaving after the 1st Gulf War in 1993. He was privileged to have served with 59 Independent Commando Engineer Squadron RE as a green beret which first brought him to Plymouth where he met his wife Karen and Headquarters 5 Airborne Brigade as a red beret. He commanded 57 Training Squadron RE;

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Great Blue Hole, Belize

- BARRY W.P. BENNETT

On Tuesday 27th September 2016, Barry and his family are hosting their flagship marketing event for 2016 with a seminar called ‘The Value of Professional Financial Advice’ at Dartmoor Zoo. Barry and Simon will be joined by supporting presenters Ross Lamacraft of Woodford Investment Management who will give an overall Macroeconomic update, and Trevor Sayce of Henderson investment Trusts, to speak about the power of longterm increasing dividend income and total return investing.

“

131 Independent Commando Squadron RE(V) and 1st Field Squadron RE. Barry was educated at Welbeck College; RMA Sandhurst; Queens’ College, Cambridge where he obtained a Master of Arts in Engineering; a Cambridge Blue (cricket); and skippered Cambridge LX Freshers Rugby. He captained the Army and Combined Services at cricket. However, he considers his major accomplishment has been being fortunate to have been married to Karen for now almost 30 years and having 3 children, Simon, Natasha & Henry. Barry and Karen have lived locally in Yelverton since 1993 from where he has been in Financial Services running his own businesses for 23 years.

We encourage our clients to tell us what they want to achieve with their money

Natasha, Barry’s daughter, and Marketing Manager, explains: “We like to choose and support interesting local “jewel” locations like The Dartmoor Zoo. This has now become part of a series, the theme we call ‘Moor from the City’ of annual marketing events previously holding successful seminars to coincide when the “new” Rembrandt was exhibited at Buckland Abbey in 2014 and in 2015 at the beautiful Garden House, Buckland Monachorum. These events have a dual purpose of acting as ‘an existing client appreciation and update day’ as well as promoting ourselves to new potential clients and local fellow professional connections. Once again we have an excellent response to this fun and informative event with already more than 80 guests confirmed to be in attendance. The ‘day out’ also includes a guided Zoo tour; a Falconry Display and a buffet lunch.”

Barry and Simon offer a free initial consultation without obligation to see if we might be able to be of help individuals seeking better outcomes with their money. If you’d like to consider how you can plan to increase your retirement income and make your money do more for you call Barry or Simon’s Yelverton Office on 01822 855060 or email: barry.bennett@raymondjames.com or simon.bennett@raymondjames.com. Visit: www.barrywpbennett.com

L - R: Henry, Natasha, Barry Bennett, Karen & Simon Raymond James Investment Services Ltd is authorised and regulated by the Financial Conduct Authority. RISK WARNINGS: Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your initial investment. Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down.

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September 2016 37

Law & Finance

Separating when you have older children

veryone knows that separating when you have children is tough. Who tells them, how do you tell them? Is there a better time to tell them, in the morning, in the evening, during the school holidays? Do children react differently at different ages? You could argue that a younger child might handle separation and divorce better, as they are able to adapt quicker to the new situation. But how does separation affect older children? This is a tough question to answer, because every child is different. Teenagers, however, are going through immense change in their own lives. Their bodies are changing and their brains are developing. Emotions are all over the place. School has become more intense, with important exams looming, GCSEs or A Levels. The last thing a teenager needs is for the one stability in their life, their parents’ relationship, to fall apart. Teenagers are more on the ball than young children in terms of seeing through a situation. If one parent has embarked on an affair, for example, a teenager may well have picked up the undercurrents already. This acuity does work in a positive way, too. Teenagers may have been aware for some time of the cracks in their parents’ relationship. So a discussion about separation might come as no surprise. The teenage daughter of one friend had actively been looking up houses to buy for her mum, some months before the subject was raised! If you are the parent of teenagers, what do you need to think about if you are considering separation?

38 September 2016

Do you stay together for the sake of the children, their emotional stability and their education – maintaining the family structure for security? Or do you believe it will be better for everyone concerned, in the long run, if you and your partner separate? There’s no easy answer to that, of course. At the end of the day a sterile atmosphere with estranged parents trying to rub along can be as difficult as the shock of a separation. If there’s another person involved, the teenagers may find themselves keeping secrets to protect their mother or father. If you do decide to separate, the absolute key is to try to keep clear of the ‘blame’ culture. As hard as this is, if your children are the most important thing in your life, it will make sense. Don’t ask a child to choose which parent they love the most – they won’t be able to. Stay amicable, if at all possible. Unless there are very good reasons, don’t make it difficult for the other parent to have access to their child, it will backfire on you. As carefully as you handle it, you may have to bear the brunt of anger, tears, criticism, coldness. Even in current

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society, the image of a happy, ‘normal’ family unit remains a strong one, although this is gradually changing. It’s important that you don’t have a tantrum yourself if the teens kick up. Remember that you are the grown up here. This might be a time to keep your own tears for private, or for times when you are with your close friends. The adult needs to be strong and offer stability, even if it is thrown back in their face. No one is kidding you that this will be easy, but teenagers are young adults. They can adapt and they will, at some point, be able to understand that you are allowed to have your own happiness. If you are considering separating and you need advice on any aspect, The Family Law Company offers a free initial half hour appointment. For more information please visit: www.thefamilylawco.co.uk Tel: 01752 674999 Email: enquiries@thefamilylawco.com The Family Law Company, Princess Court, Plymouth, Devon PL1 2EX

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Injured in an accident? Call Chris Kallis Solicitors for trusted Legal advice No Win - No Fee Service Free Initial Consultation Exceptional Compensation Results Specialist in High Value Claims â&#x20AC;&#x153;1000s of local clients have been helped as a result of many hours of hard work and expertiseâ&#x20AC;? Chris Kallis

01752 225060

www.chriskallis.co.uk info@chriskallis.co.uk 33 North Road East, Plymouth, PL4 6AY Please mention OM Magazine when responding to adverts

September 2016 39

Law & Finance

Will Writing

Lasting Powers of Attorney

Family Protection Trusts

No - It’s Not Fair!

Thousands of homes are sold each year to pay for care fees Your will is important but it is not enough Find out how you can protect your home and savings from care fees and many other issues How long will your savings last? The average cost of residential care is £36,000 per year and this figure is expected to double over the next twenty years. You WILL pay the full amount if you own more than £23,250. Do you think it is fair? If you are one of the millions who think the system is unfair and that it penalises those that work hard to provide for their future and for that of their loved ones, we have the solutions.

FREE Seminars are held at:

We use affordable methods to structure clients’ estates and utilise the legal concessions available - concessions you are probably unaware of. We ensure you and your family will have control of your hard earned wealth and that you are the only ones who ultimately benefit from it.

Plympton Library 21st September, 2.30pm & 26th September, 11am Seminars last around one hour, please arrive early Bookings are essential as there are limited places Refreshments available 30 minutes before start Free consultations at your home or our office

5 Windsor Villas, Lockyer Street, Plymouth, PL1 2QD

To book your place, or for more information, please freephone: 0800 999 4940 40 September 2016

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Bridget jones Starring: Renee Zellweger, Colin Firth, Patrick Dempsey

guide

Your guide to the films hitting cinemas this month

After breaking up with Mark Darcy (Firth), Bridget Jones’s (Zellweger) “happily ever after” hasn’t quite gone according to plan. Released: 16th September

the beatles

Tour Stop 148

Starring: George Harrison, John Lennon, Paul McCartney

Starring: Michael Buble

The Beatles: eight days a week

From Academy Award-winning director Ron Howard comes a special cinematic event - an extraordinary insight into the touring years of the biggest band in history, The Beatles.

Released: 15th September

Tour Stop 148 presents a front row seat to the superstar’s phenomenally successful sold out To Be Loved Tour, which finished in 2015 and was seen globally by over two million fans.

Released: 26th September

Deepwater horizon

the girl on the train

Starring: Mark Wahlberg, John Malkovich, Kurt Russell

Starring: Emily Blunt, Rebecca Ferguson, Justin Theroux

On April 20th, 2010, the world’s largest man-made disaster occurred on the Deepwater Horizon in the Gulf of Mexico. This story honours the brave men and women whose heroism would save many on board, and change everyone's lives forever. Released: 30th September

Rachel, who is devastated by her recent divorce, spends her commute fantasizing about the seemingly perfect couple who live in a house that her train passes every day, until one morning she sees something shocking happen and is entangled in the mystery. Released: 7th October

Many Thanks to Vue Cinema: Barbican Leisure Park, Shapters Rd, Plymouth PL4 0LG

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September 2016 41

Could you give a rescue cat a home? Gables Farm has lots of cats and dogs of all ages, sizes, breeds and temperaments looking for new loving homes

204 Merafield Road, Plymouth, PL7 1UQ

Tel: 01752 331602

www.gablesfarm.org.uk 42 September 2016

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September 2016 43