OM Magazine, Issue 122, March 2019

OM Plymouth 122 March ‘19

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Plymouth & South Hams Leading Lifestyle Magazine

The Ground Coffee House We visit the up-and-coming independent coffee shop based on ‘the ground’ floor of the tallest building in the South West

Halo Celebrates 10 Years We speak to owners Julie and Sarah of Halo Hairdressing who are celebrating 10 years of business at their salon in Crownhill

Smeaton Homes See how company director Dan Robinson has turned this business around and is now moving into student lets

QDataShred We visit QDataShred to learn the importance of confidential data shredding & confidential waste

Mother’s Day

Read our suggestions on how to show your mum that you care this Mother’s Day

!o N I W ts t

K ke 2 tic e Fest U th es Che Plymous! at vilion Pa

Your Money After Brexit We speak to local experts to get their advice

Home + Pets + Leisure & Events + Eating & Drinking + Law & Finance + Beauty + Motoring 01 March 2019

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www.omplymouthmagazine.co.uk Creative Director Myles Lockwood myles@oracle.uk.net Editor Sophie Squires sophie@oracle.uk.net Accounts Emma-Jane Corry emma@oracle.uk.net Sales Managers Myles Lockwood Graphic Design Sophie Squires BA (Hons) Tom Coles BA (Hons) tom@oracle.uk.net Editorial Sophie Squires Photography Tom Coles Pixabay.com Pexels.com Sister Magazine The Plympton Community Magazine www.plymptonmagazine.co.uk OM Plymouth is a proud sponsor of Gables Farm Dogs & Cats Home

Editor's Note...

Hi all - I hope you’re ready for a jam packed issue this month!

We have plenty of great Business Profiles for you to enjoy. We spoke to local Plympton man Rob Heard about his new business, The Ground Coffee House, we caught up with Julie Mazzoni from QDataShred to see how the company is getting on with their data shredding services are getting on; and finally, we visited Dan Robinson of Smeaton Homes to see how he turned the company around; and we spoke to Julie Wotton of Halo Hairdressing to see how they will be celebrating 10 years of business!

You may be sick of hearing about it, but we are anticipating leaving the EU later this month, so we spoke to local experts who address any concerns you have regarding finances after our departure.

Enjoy this issue and have a great month!

Sophie

Sophie Squires - Editor

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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 OM Plymouth Magazine magazine are that of the individual contributor and are not always shared by the publication.

Image courtesy of IStock Photos The OM 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.

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Contents

March 2019

08

QDataShred

11

Woodside Animal Sanctury

12

Smeaton Homes

17

Plymouth Pavilions

18

What’s on Guide

20

The Ground Coffee House

22

H.M Williams

24

Your Money After Brexit

25

Westcountry Financial

We visit QDataShred to learn the importance of confidential data shredding & confidential waste

08

12

24

32 35

11

See how the experts can help you in all areas of Family Law

See how company director Dan Robinson has turned this business around and is now moving into student lets

Find out what events are taking place in Pavilions in the next few months!

Your go to guide to everything happening in and around the city this month

We visit the up-and-coming independent coffee shop in Plymouth

The financial year is coming to an end so make sure you’ve spent your allowances wisely

With our departure from the EU ahead, your finances may be on your mind!

Professional and experienced financial advisors in Tavistock - they’re only a phone call away!

28

Mortgages4Plymouth

29

Kitsons

30

How to Show Mum you Care

32

Halo Hairdressing

33

Reader Response

35

Wyatt Brothers

36

20

Come meet the experienced & friendly stylists at Halo Hairdressing, Crownhill

In an ever-changing mortgage market, it’s important to receive up-to-date advice you can trust

Kitsons can help you with all your conveyancing needs!

Mother’s Day is just around the corner, so show mum you care this year with our recommendations

The salon are celebrating 10 years! We spoke to owners Julie & Sarah about this achievement

Win 2 tickets to CheeseFestUK at Plymouth Pavilions in May!

Let the Wyatt Brothers help you at this difficult time and leave you with memories you can treasure

Beacon Electrical

Beacon Electrical have some great deals on top brands this month!

Welcome back Liz! Liz will be back at Halo from 1st April 2019

www.halo-hairdressing.co.uk

01752 303155

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

20% OFF WithWithLizKirsty *All Services

until 31/03/19 from 01/04/19 - 31/05/19

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. Offers valid with stylists until dates listed above.

Halo Hairdressing reserves the right to discontinue a voucher at any time or to modify.

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March 2019 07

Home

Secure shredding is the number one solution to keep sensitive or confidential information away from prying eyes, so when you’re thinking about shredding, you may want to think about QDataShred.

Q

DataShred are a confidential data shredding service based in Saltash. The company takes security of confidential waste very seriously and their service is designed to give total confidence that your private information stays private.

The company is an extension of QStore Business Centre and they have been offering the confidential shredding service for several years, but since GDPR, the business has really taken off.

The introduction of the EU GDPR (General Data Protection Regulation) has changed how data is collected, stored and destroyed.

Non-compliance with the GDPR can result in hefty fines and charges, so it is now not only necessary to handle data with care, it is also important to dispose of it in the same manner. QDataShred knows and understands this, treating the data that they collect with the upmost care.

Julie Mazzoni - Centre Manager - tells our team exactly how QDataShred works:

“QDataShred can safely dispose any of your confidential waste, i.e paperwork, branded items, USB sticks, data discs, hard drives.

“It’s a collection service as well, we can attend your house, your business or you can even drop it off to us; we’re really flexible in that way. Anything you need to get rid of safely and securely, will receive a confidential destruction certificate, to say we’ve done it for you.”

QDataShred will provide a service tailored to your business - lockable consoles, loose hessian sacks or a one off bulk collection.

Julie explains in more detail the services available: “A console is a lockable wooden box with a cloth sack inside; it has an entrance lip so that you can just pop paper through whenever you need to dispose of it, these can be rented off QDataShred at a very reasonable monthly cost.

“A loose hessian sack can hold two archive boxes of paperwork and are FREE of charge from QDataShred – but if you pre-pay for the destruction of the hessian sacks, QDataShred will discount the shredding cost on purchase.

“We can come to your home or your business and replace the cloth sack or dispose of the hessian sacks when

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you want us to. Whether you require shredding services to dispose of personal or business data, QDataShred can handle your needs safely, compliantly and quickly.”

The company operates a mobile pick-up service, so if you feel that it’s out of your way, they can come and collect any unwanted data and dispose of it for you. They will go anywhere in the South West.

“At the present time we go as far as Exeter and back down to St Austell.”

Julie explains, “We will consider further afield, please just contact us for a quote.

“We cost each request by the sack but if you asked me to visit your home/ business to have a look at your archive boxes or items for destruction, we can advise that two standard archive boxes would fit in one hessian sack.”

www.omplymouthmagazine.co.uk

QDataShred are a green company; they take their environmental responsibilities as seriously as they do your compliance.

Julie tells us how their company recycles all of the data that gets shredded: “All of the paperwork, cardboard etc is recycled and made into for example, toilet rolls. Trees are also planted, so depending on how many tonnes we destroy, a tree native to England will be planted. Computer equipment and plastics too, once it’s shredded and it’s signed to say it’s gone, it’s gone.”

Once QDataShred have gotten rid of your old data, they will give you a certificate of destruction to say that they’ve done it for you, safely and securely.

The company has a large transit 125 van which collects 150 bags a visit; the team currently collect on Tuesday/Wednesday/ Thursday’s in Plymouth and surrounding areas. Julie said that last week they went out to 32 businesses in and around Plymouth.

Julie also mentioned that they’ve been offering the confidential shredding service for seven years so they know what they’re doing, but GDPR has caused business to expand massively, which is why they’ve made the data shredding its own personal brand.

The company is also very flexible with their collections. Julie explains how they won’t charge you for collection if you don’t need it:

“We can do it weekly, fortnightly, monthly - we’re very flexible.

“We don’t insist on a collection that is up to you, if you have nothing to collect then just let us know, we won’t charge you.

“Our collection days are currently Tuesdays, Wednesdays and Thursdays, so if you let us know 24 hours before

collection day advising you don’t need a collection, that’s absolutely fine - 24 hours notice is all we need.

“We’re a service that’s flexible and we’ll be there if you want us. If you want to change from weekly to fortnightly, or even monthly, that is fine by us, we know that you may not always generate a lot of confidential waste and we will accommodate that.”

QDataShred 100% promise to price match or beat the price “I will always price match or on most occasions, beat the costs that the client is already paying” says Julie. ‘It’s not difficult; I am just making sure I’m doing what’s best for the client.

“We’re local, we’re reliable, we’ve been told our customer service is second to none and we are flexible, that is so important.”

QDataShred’s prices are based on whether you drop off or whether you have the company collect. Collection is currently priced at just £1 more than dropping off to QDataShred and if you have 50 sacks plus, they will do you a fantastic deal – the prices will keep dropping!

QDataShred is for everyone even for people at home who are looking to get rid of personal data.

“Anybody can use it.” Julie explains, “We haven’t previously received as much personal destruction as we do from business destruction, but we have seen a change in that. People are becoming more security conscious; one of our clients is a lady with personal destruction and we only attend every four months, it just gives her peace of mind.”

So if you’re unsure about what to do regarding your confidential data shredding needs, give QDataShred a call; they’re sure to help you out, quickly and safely. Contact them through any of the details listed below.

Call us: 01752 841913 Find us: Forge Lane, Saltash, PL12 6LX Visit: www.qdatashred.co.uk @qdatashred

shred@qdatashred.co.uk

@qstore_qdatashred

@QDataShred

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March 2019 09

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10 March 2019

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WOODSIDE ANIMAL WELFARE TRUST

P

lymouth based charity Woodside Animal Welfare Trust has been rescuing and rehoming pets of all shapes and sizes for decades.

Having recently seen a rise in older cats needing their attention through elderly owners moving into care or passing away, the charity is anxious about the approaching kitten season and its additional effect on resources.

Providing a sanctuary for 19 different species which are either seeking adoption or are set to be permanent residents at the site, the sanctuary also has purpose built elderly and sick units, ‘Dunroamin’ and ‘The Mews’.

With a clear focus on preventing unnecessary breeding and educating the community, the Trust’s welfare team also covers 100 miles a day; advising owners

about general care, veterinary treatment and spaying and neutering, particularly amongst younger animals.

This crucial work carried out by the charity, and founded by Carole Bowles MBE, has been helping to tackle animal welfare issues since 1974.

Now having more than a 1,000 pets a year in its care, Woodside has seen a heightening trend of older cats ready for adoption being overlooked while a busy kitten season looms, despite its endeavours to reduce this burden.

Being what has historically been its most fund-draining period, breeding season promises to keep the charity’s cattery extra busy. Warmer weather and longer days are causing a longer mating period for cats, with those as young as five months being physically able to reproduce if unneutered.

Founder Carole Bowles explains how “What used to be restricted to the summer months, is now taking up most of the year.

“There will be times when 90 kittens on-site will not be unusual.

This may not sound a disaster, but on top of our other animals it is an unavoidable amount of extreme financial and staffing pressure.”

Kitty is still looking for her forever home

As one of the resident cats, April happily spends her days in The Mews With plenty of life still left to give, elderly cats such as Kitty, Pebbles and Oxo each have spritely personalities of their own despite their age, and as a result are not yet ready to retire to the specially dedicated elderly cat units.

If you think you could offer a loving home to one of the older cats at Woodside, or would perhaps like to donate towards the charity’s work during looming kitten season, please visit their website or call 01752 347503.

As Woodside prepares itself for the influx of kittens sure to arrive at its doors soon, they also look to rehome some of their older residents within the already busy cattery. Noticing a rising number of older cats being overlooked by visitors and potential adopters, the charity argue that these cats are often those most worthy of a home and have a lot to offer adopters.

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March 2019 11

Built on reputation, hard work and a love of Plymouth, Smeaton Homes display our red and white stripes with pride. Director - Dan Robinson - took over the company over 10 years ago and has turned it around for the better. After having also recently taken on management of 170 units at Central Park Towers based near Pennycomequick, the company is set for a bright and busy future.

S

meaton Homes is a property sales and letting agency based in Plymouth. They run their agency with unrivalled local knowledge and a strong commitment to the local area. The team concentrate on giving a personal touch and aim to be Plymouth’s first choice for property sales and lettings.

“I used to work for Fox and Sons for four years,” Dan tells us, “two years in sales and then two years letting. I left there because I thought I had enough of property; but then after working in different companies I decided that I missed property and wanted to get back into it.

The team at Smeaton Homes is currently made up of eight different members who manage all the different services: sales, lettings, accounts and maintenance.

Company Director Dan Robinson, started working for the company on 17th January 2008 after being offered a position by the previous owner.

“I was out and bumped into the previous owner one night and he said “Why don’t you come work for me” and I said yes so that’s how I started there.”

When Dan first started at Smeaton Homes, the company was falling apart.

Dan became Company Director around six months after starting his journey with the agency. The person who offered him the job left and Dan felt a responsibility to carry on with Smeaton Homes and not leave before he had everything sorted.

Dan tells us how he came to own the company: “I ended up buying the previous owner out in January 2009 - so about one year later. I didn’t get a good price because I took on a lot of problems at the same time; so when I started working there I wanted to grow the company and its name going forward.

“There was a lot going on when I took over the company, it was very full on. But four years is what it took to get everything in order.

“I was working 70-80 hour weeks, there was so much going on and so much to get straight. In March 2009 I got a lady who came in tome out with management and helped me get systems in place which was amazing.”

12 March 2019

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Dan is currently hoping to eventually restructure everything - he now has three companies: sales, lettings a students that is currently being branded

by Owen Jones of Upshot.

Smeaton Homes are one of only three agencies in Plymouth to have been awarded with Buy with Confidence The Buy with Confidence is accredited on the back of trading standards. This means that Dan is CRB checked and has been audited very stringently. Dan has done Dementia Awareness courses for this and this has also led him to become a trusted recommendation for victims of abuse can go to if they need rehoming to escape their volatile relationships. Dan tells us a recent experience he had with this: “I had a lady who was a victim of abuse.

She approached the company and said “I need to get out this relationship.” So we got her new accommodation. We’ve had a number on people in volatile relationships that have approached us in the last 12 months that we’ve helped to rehome.

“Buy with Confidence recommend us because they know we will deal with stuff amicably and won’t disclose stuff. So if they phone up with a situation, we will help them move.” www.omplymouthmagazine.co.uk

Dan has recently taken over management of 170 units within Central Park Towers from the previous managing company based on site. Dan is keeping the offices in Central Park Towers so he has the lettings office based on site; he explains more about this: “When the previous management company approached me and asked me if I wanted to take over. I knew it was a lot but with the staff around me I knew that I could facilitate this. I asked how much he wanted, we came up with a figure and we agreed to started transferring everything over between 1st January to the 12th January.

“So from mid December until early new year I set up the new company and then I had to write to all the current landlords of the rooms they managed to let them know that we were taking it over so we could get their agreements.”

Central Park Towers has 205 units altogether, Smeaton Homes now manages 170 of them.

The rooms are a equipped with a shower room, a toilet, sinks, a kitchen, a washing machine and a bedroom and wardrobe.

Dan describes it as a “self-contained pod!” Prices for each room vary, but they start from as little as £95 a week which includes electric and water bills. Dan tells us more about the facilities at Central Park Towers: “Rooms start from £95 per week all inclusive and we have penthouse rooms at the top which are about £135 a week - the average room is £115 per week on a 46 week agreement. So it varies depending on what room you get.

“There’s a communal room, a gaming room, high speed internet provided to all rooms, a washing up room and a dryer. I’m just about to buy a PlayStation, a Wii, and anything else that I think would be good for the gaming room.

“The units, because of the year that they were built, are bigger than other student accommodation in the city. Our rooms are about 30 square foot, so price to square foot is a lot better value than what you may get elsewhere.”

Students can also have their room kitted out with bedding, quilt covers, pillows, saucepans, cutlery - so it’s all there ready for when they move in!

Having only taken over late last year, Dan has made some massive changes to Central Park Towers in a short space of time. He tells the team at OM what his plans are for the future: “In the summer time there will be a lot happening. There’s going to be a full repaint all the way through, all the floors and all the carpets are being replaced - so everything inside and some parts outside will be refurbished.

“I’m looking to organise an in-house shop where the students can order things they need here: like paper, toilet paper, just essentials really. I’m trying to set up an ordering service with a company called Imagine - so say if a student has their dissertation and they need something tomorrow like paper or a folder, they can place their order with us, we’ll send it off to the company by 4:00pm and we’ll organise it to get delivered by the next day. I’m speaking to them about it at the moment about costs and where it will go.”

A lot has happened in over 10 years for company director Dan Robinson to get from where he was to where he is now. He has helped turn Smeaton Homes around and has a lot planned for the future.

Providing all the services (and more!) that you’d expect from agent, from start to finish you will find the team at Smeaton Homes approachable, helpful and considerate.

Contact Smeaton Homes below:

Call us: 01752 222060 Find us: 52B Mutley Plain, Plymouth PL4 6LE Visit: www.smeatonhomes.co.uk @smeatonhomes

info@smeatonhomes.co.uk

@smeaton_homes

@smeatonhomes

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March 2019 13

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March 2019 15

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March 2019 17

Leisure & Events

What’sOn

March 2019 THE BIG SALE Saturday 23rd March Butchers Hall, Tavistock Over 30 exhibitors selling off goods at rock bottom prices! The perfect chance to grab a bargain. On offer will be clothes, gifts, household items and lots more. Entry is £1.50, but under 16’s can enter for free. The Big Sale will start at 10:30am and end at 4:00pm.

THE MERMAID’S MAGICAL PURSE 14th March - 30th March The Soapbox Children’s Theatre

The annual Contemporary Music Festival celebrates its 14th year!

DARTMOOR ZOO WEDDING FAIR

NISH KUMAR

Sunday 17th March Dartmoor Zoo

Saturday 30th March Theatre Royal Plymouth

Pop up to the zoo to browse a diverse range of exhibitors, from cupcakes to cars, some of the finest in Devon and Cornwall. Find your dream dress and explore one of the most unique of venues for your wedding, you even get FREE entry to the zoo, a FREE drink and a FREE goody bag on arrival! But don’t be too late in arriving, as the bags and drinks are limited stock and will be given on a first come first served basis! The event does not require tickets, it is free to enter both the zoo and the wedding fair. Simply turn up at Dartmoor Zoo from 4pm. The last seven wedding fairs have brought over 450 people through to each one, with over 2000 at last years event.

Due to the high demand and having sold out on the first leg of his tour - ‘It’s In Your Nature To Destroy Yourselves’ - double Edinburgh Comedy Award Nonimee, Nish Kumar is extending his nationwide tour into 2019. The show itself will include jokes about politics, mankind’s capacity for self destruction and if this will lead to the end of days - really positive stuff!

The title of the tour is a quote taken from Terminator 2. The show will start at 7:30pm. Tickets are available to buy from the Theatre Royal website: www. theatreroyal.com/whats-on/2019/nishkumar/; or you can call the Box Office on 01752 267 222.

Pirate Captain Penelope and Bosun Bill set out across stormy seas looking for treasure, when they come across the Mermaid’s Purse. Inside the purse are enchanted pearls, which when cracked open are full of rich stories beyond their wildest dreams; with unicorns, dragons, mermaids and giants. This is Stiltskin Theatre Company’s new show for little people and their families. Ticket prices vary, but all information on cost and where to buy them can be found on their website www.skiltskin.org.uk by going to the Box Office section. There are two shows per day: one starting at 11:00am and the other at 1:30pm.

ST LUKE’S MEN’S DAY OUT

MOTHER’S DAY AFTERNOON TEA Plymouth Albion Rugby Football Club Saturday 30th March

Future Inn Plymouth Sunday 31st March Treat mum, mums to be or nan this Mother’s Day, not forgetting step mothers, aunties and foster carers! The Mother’s Day Afternoon Tea includes: homemade traditional afternoon tea, served with tea or coffee and a glass of prosecco or orange juice. The afternoon tea is priced at £16.95 per person and £8.95 for under 12’s under 5’s are complimentary. Seatings will be between 12pm - 5pm. Pre-booking is essential to secure a place, as well as to avoid any dissapointment! To book, call Future in on 01752 701000, or email fishbone@futureinns.co.uk.

18 March 2019

Men’s Day Out is back for 2019 and it’s looking set to be bigger and better than ever! Thousands of men will be raising vital funds for St Luke’s by taking to the streets of Plymouth for a sponsored walk, before heading to Plymouth Albion RFC to watch them take on Birmingham Moseley, and receiving a well earnt pasty and pint.

The walk kicks off at 10am and will follow at 12km route. Registration is open to all males aged 11+ and can be done here: www.stlukes-hospice.org.uk/mensdayout/ - but places are limited so make sure to register sooner rather than later!

WEST DEVON CHORALE

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Treat your mum, mums to be, step mothers, nan, auntie, or foster carer to afternoon tea this Mother’s Day

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March 2019 19

The Ground Coffee House is an up and coming independent coffee store based on ‘The Ground’ floor of Beckley Point. Having opened in September last year, shop owner Rob Heard is working hard on making his local business a place that welcomes the community of Plymouth to a open and contemporary space.

R

ob Heard and his wife Felicity have taken their joint passion for coffee and made their dream become a reality. Through a coffeethemed wedding, to an at home espresso machine, followed by Barista training courses and wanting a change in lifestyle, that is how this independent coffee shop came to be.

The Ground Coffee House - based on the bottom floor of the tallest building in the South West - opened in September 2018.

They had what Rob described as a “soft opening” primarily for family and friends to come along to and then had their official opening the following month in October.

Rob is a town planner who most recently worked for Plymouth’s Bailey Partnership architecture and construction firm; his wife Felicity works as a Call Handler for the police; Fliss still works for the police and Rob works as a planner for a few days a week.

“I think it was probably a bit of a mid life crisis for me,” Rob explains, “because I was 40 a couple of years back and I just thought that I would like to do something a bit different!

“We had looked at potentially buying a business, but this was the opportunity that I thought suited what we wanted in terms of the space, the location. We live in Plymouth and we didn’t want to be commuting distances because we have small children.”

When they first opened, Rob was working at the shop full-time, but now that they have more staff both full-time and part-time - he now works three days a week and Felicity works one.

Planning for the business started with the building owners about 18 months before opening and they started the shop fit in May last year.

Rob tells us how he designed the space himself:

“Me and Felicity got married in 2008 and had a coffee themed wedding.” Rob tells us, “It’s partially because we’re coffee lover and partially because I wanted to wear a brown suit. We had coffee beans on the tables and all our tables were different coffee names: like mocha, latte, and cappuccino. So we always liked coffee; and since our first child was born we have spent quite a bit of time in coffee shops.”

Rob and Felicity have their own espresso machine at home that they got a few years ago and started messing around with; from there, they did Barista courses to teach them the basics.

The Ground Coffee House is a child friendly business; with large open spaces, toys and colouring.

“It’s not been to bad actually. I’m a planner so all of this, the design, the finishing touchings and the colours is down to me.

“The overall cost was a lot of money - it’s not cheap doing stuff like this. It’s really a risk to be honest because you’re investing your own money at the end of the day.”

Rob convinced Felicity to take the plunge. He has been in planning since he left university nearly 20 years ago and it was a great opportunity to run a family business and do something different.

That’s how the Ground Coffee House came to be!

20 March 2019

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FOR 50% OFF! *Terms & conditions apply. One voucher per customer. Vouchers cannot be exchanged for cash. Subject to availability. Valid until 30-04-19. The Ground Coffee House reserves the right to discontinue at any time or to modify.

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“I think we’re really good with young mums,” Rob tells us, “because we’ve got the space to push the chairs around. We also do free Babyccinos with every hot drink, which is like a small hot chocolate with some cream and marshmallows on top.

“We have so many returning customers, so when people come they tend to come back. We just need to make ourselves a destination and offer something different and we are different from your average high street chain.”

The Ground Coffee House sources everything locally. Everything is fresh and their cakes are homemade!

The team at OM really enjoyed the coffee and cakes that were on offer. They bake a variety of homemade goods in store, with vegan, gluten-free and dairy free options available too. Plus it’s not just coffee that this shop has to offer!

“We do have a breakfast and a lunch menu.” Rob explains, “I think when a lot of people walk in they do walk back out because they think we just sell coffee, but we do food to! We make everything on site and all of our meat is locally sourced from the Butchers on Ebrington Street.

“We do some things all day - like avocado on toast, teacakes, waffles - all sorts really! We’re going to start doing jacket potatoes in the next couple of months, but we just want to finalise our menu first and stick in on boards for people to see as soon as they come in.

“We’ve also got the fastest broadband - I believe - in the city centre, in comparison to all the other cafes. So it’s good if you want to use our space for work.”

The Ground Coffee House are one of the few coffee shops in Plymouth that make their own cakes; and the quality of coffee that they have is not seen in all independent coffee shops.

Rob tells us how coffee is sourced from Devon Coffee Company: “They’re based in Plymouth and the coffee itself is roasted in Plymouth. I think we’ve definitely taken the local and sustainable route, we source everything locally and everything is fresh.

“None of our cakes come in frozen, they’re all cooked fresh and we use local ingredients and have local suppliers.”

The Ground Coffee Company offers discounts for students, a Blue Light discount for the Emergency Services and a loyalty card.

BUY A CAKE GET A FREE HOT DRINK

*Terms & conditions apply. One voucher per customer. Vouchers cannot be exchanged for cash. Subject to availability. Valid until 30-04-19. The Ground Coffee House reserves the right to discontinue at any time or to modify.

“We’ve had quite a few people ask if we’re just for students and we’re not,” Rob explains, “We’re not linked to the building, but we do have student trade.

We welcome everyone; we just have to let everyone know that we’re here really.”

The aim for the future of The Ground Coffee House is to make them a destination that hosts regular different events, such as networking, record fairs, and markets; and even though they’ve only been open for half a year, they are getting there. Rob talks more about his plans for the future:

“We potentially have a yoga class starting before we open on a Saturday, we’re currently in negotiations but hopefully we’ll be doing that in the next couple of weeks. We want to be doing as much as we can really because we want to become a community cafe.

“We haven’t got an alcohol licence yet, but we’re looking to apply in the future before the summer. I just need to make sure that we’re getting people through the door and I’m not saying no to people if we can accommodate things.”

The OM team felt very accommodated at The Ground Coffee House and will be returning regularly for the homemade goodies!

Beckley Point, 192 Armada Way, Plymouth, PL1 1LD Call us: 07813 958645 Email us: thegroundcoffeecompany@gmail.com Website: www.thegroundcoffeehouse.com @Thegroundcoffeehouse @thegroundcoffeehouse Please mention OM Plymouth Magazine when responding to adverts

March 2019 21

Law & Finance

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DRINKING AND DINING Local Directory Pub Food

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March 2019 23

Law & Finance

YOUR MONEY AFTER BREXIT: GAIN A BETTER UNDERSTANDING

O

n March 29th, the UK is due to leave the European Union (EU) following on from the vote to leave in the referendum nearly two years ago.

Just a quick reminder - in case you have been completely out of the loop - the UK voted back in 2016 to leave the EU. The vote was held on Thursday 23rd June, 2016, where the leave vote won by 51.9% to 48.1%. The referendum turnout was 71.8%, with more than 30 million people voting.

The process of Article 50 - which gives the two sides two years to agree on a proper deal regarding the split - was triggered on March 29th 2017, meaning that the deadline is fast approaching.

But what does this mean for us now?

WHAT DOES A ‘NO DEAL’ BREXIT MEAN? A no deal Brexit means that the UK would leave the European Union immediately on 29th March 2019. There would be no agreements put into place and no inkling of what their relationship will go on to be like in the future.

If a no deal Brexit happens it could mean that border checks could be reintroduced, transport and trade between the UK and th EU would be severely affected, adults may not be able to drive in EU countries without a special driving permit, it could cost more money to use your phone abroad in EU countries, and it would mean no transition period - so no time for a new deal on the UK’s future relationship with the EU would be able to be negotiated.

Under a no-deal scenario, the UK would be treated as a “third country” by the EU and commerce would be governed by World Trade Organisation rules.

24 March 2019

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Unfortunately, there is no certainty regarding the outcome of Brexit - that’s the short answer, and definitely not the one you want to hear.

One of the biggest things that happened almost immediately following on from the result of the referendum was a steep drop in the value of the pound sterling. This has therefore brought about concerns for companies, workers, holiday makers and UK pensions.

But Rob Cowsell from SWLaw - an Investment and Financial company based in Lee Mill - says how a decline in the value of the sterling can benefit investors: “Transnational companies listed on the FTSE 100 exchange benefitted from earnings in currencies that were outperforming the pound; note FTSE 100 companies receive circa 75% of their income from overseas and FTSE 250 businesses circa 55%.

“Furthermore, as a UK investor, you are likely to have substantial exposure to the dollar given its prominence on global markets; the likes of HSBC and Shell both report in dollars and also issue dividends to qualifying shareholders in dollars. An investor’s attitude to risk, goals and ambitions is crucial when making investment decisions.”

Despite the uncertainty, Brexit does not have to be a concern for your personal finances. The UK is prepared for any outcome - even if that outcome is a ‘no deal’.

There are certain things that you need to remember before instantly panicking about any savings or investments that you may have. The banks are strong enough to survive a disorderly Brexit that could leave the country worse off than the 2008 financial crisis. However, if your bank does happen to fail, you would get back-up protection of £85,000

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Our ground floor Tavistock office is ideally situated in a quiet location with free parking and wheelchair access if required.

If you would like to book a free no obligation initial consultation with an Advisor at Westcountry Financial, or would be interested in working with the team, get in touch today.

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West Country Financial, Kilworthy Park, Drake Road, Tavistock, PL19 0BZ *The value of investments (including property) and the income derived from them may go down as well as up. **Your Home may be repossessed if you do not keep up repayments with your mortgage. ***This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration’ If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. Please be assured we treat complaints seriously. For your protection, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’).

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March 2019 25

Law & Finance per person, per financial institution.

YOUR PENSION

The reason for this is due to the Financial Services Compensation Scheme (FSCS); this protects customers when authorised financial services firms fail.

You will be pleased to hear that whatever the outcome of Brexit is, someone with a UK pension will still receive their payments - whether they’re living in an EU country or have retired in the UK.

The main categories of protected savings are banks and building society accounts, all UK credit unions, bank or building society saving accounts, current accounts and small business accounts, and any cash saved within a SIPP pension or any cash ISA (including Help to Buy ISAs).

Back in 2016 - following on from the vote to leave - pension funds had a very strong year.

The average fund finished the year up 15.7%, which is the strongest performance it has had since 2009.

The stress test released by The Bank of England in 2018 states that all seven UK based banks are above the minimum requirement of their capital levels.

This improvement was due to the falling value of the sterling. This saw an increase in foreign investment, which led the FTSE 100 to hit new record highs - this is good news for pension savers.

So hopefully looking at how the banks will cope even in the result of a ‘no deal’, that should give you reassurance regarding any savings you have banked!

The uncertainty however lies within how much your pension will be worth as time goes on. Precious losses on the FTSE 100 has seen the value of UK pension funds decrease drastically - which due to the uncertainty surrounding Brexit is a worry to most Brits.

Plus, The Bank of England base rate is currently at 0.75% compared to 0.25% following on from the vote, which is great news for interest rates on UK bank accounts.

In the past 20 years, there has been a total of two 12-month periods where the FTSE All Share index has lost a third of its value - despite this, it has still managed to recover. And whilst price falls may be very daunting for But what about planning your financial future? many, there are also This can be complex and daunting. opportunities within them.

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Even if there is a shock to the stock markets that could affect your pension, things will generally get better in the end - especially over longer periods of time.

Rob of SWLaw says how pensions have evolved a great deal through the years: “The state pension payment is not at the mercy of investment returns

25/05/2017 16:50

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and shall continue for as long as the Government sees fit, regardless of Brexit fallout. Furthermore, those that benefit from a public service workplace pension scheme, the evnetual pension entitlement will be dependent upon salary and years of service as opposed to the performance of underlying assets.”

If prices do fall, pension fund managers can jump on the low prices that will be able to make large returns when the ‘recorrection’ occurs.

The general conclusion is that over the course of a pension’s life, a 5% annual return is still reasonable to expect; this is taking into account both a very good and very bad performance.

“Time is a critical factor in relation to all investment decisions,” Rob explains, “including pension, and the given investor’s time-frame and purpose for the funds will impact choice and suitability.

Pensions are a complex area and an investor needs to look at their contribution levels, their anticipated retirement age and the pension scheme(s) they are currently in, before worrying about the outcome of Brexit.”

The best thing to do regarding any uncertainty is to speak to a financial advisor, who can answer any questions that you may have regarding your pension and to see whether it’s still on track.

Richard Green from Westcountry Financial - a financial advisor company based in Tavistock - there will be no effect on pensions after our exit from the EU: “Why should it? Pensions generally - and the people that put them in and invest them properly - should be absolutely fine.

Pensions are always long-term and in any case, the longer you put something in, the more it will grow. The most important thing is to make sure you’re putting in something that is going to produce a greater return. If you put it in a deposit account then it will be secure, but your growth will be next to nothing.”

FINANCIAL PLANNING & INVESTING If you’re worried about any financial planning or investments you have, Independent Financial Advisors are saying to relax; in fact, financial

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advisers see the biggest threat to the UK population’s long term financial security as leaving it too late to start planning their finances.

At the end of the day, what’s happening in the global market place is completely out of your control - you just need to make sure that your business, money and affairs are in order.

By keeping a cool head and gaining clarity on your long-term plan, this will really help you amidst the uncertainty of Brexit.

For businesses, the financial implications of Brexit show the value of creating more diversity in your investment portfolios. This is so that events in one area do not overly impact your investment returns.

For personal finances, when making decisions about your investments, you should consider what your future plans are. If you need to access your money soon then it is better to take less or no risk. If you don’t need to access your money, then you should be able to coast along throughout any volatility in the investment markets. Richard of Westcountry Financial explains how investing your money when the market goes down will lead to positive returns:

“People who are investing longer term when the markets go down, they actually buy more for their money.

“If they’re buying say “units” for a pound in 2007 and then the market drops in 2008 - when markets collapse and fail, which it did, you’re continuing to buy and then what you’re buying you’re then getting twice as much. Historically the market is always right, so rather than stopping and being concerned, you’re actually increasing what you get. Unless you need to take the money out at the time of a fall in the market, then it’s good for you.”

A good thing to do as part of any financial plan is to have an emergency fund. If you have this, you gain more stability if anything happens to effect your finances if economic conditions get worse.

course, when it comes to money, you just need to have the reassurance that your finances are safe and there’s nothing to worry about. You also want to know that you’re getting to best deal and not overspending where you don’t have to.

A financial planner can help you discuss any concerns regarding your money: whether it be pensions, investments, or just general financial concerns.

They’re here to help, even in the most confusing of situations.

INVESTING IN PROPERTY If you’re worried about investing in property amidst the uncertainty of Brexit, you may be reassured to hear that the UK is still one of Europe’s strongest property markets overall and is still a popular choice among many oversea investors.

If you’re a property investor, you’re likely to be looking for long-term gains from it. Either way, any decrease or none at all, the price of your property providing you did your research properly before buying, is likely to appreciate in the long run.

Just make sure not to take any rash decisions and talk to a financial planner or investor before you decide what the next Tricia Kennedy of Mortgages4Plymouth best step to take is.

Brexit has led to concerns for many. Of

- an award winning mortgage advisor based in Plymouth explains how property

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will always be a sound investment: “Property will always be a sound investment, at this moment in time there is a lack of property coming to market so demand is out weighing supply and prices remain steady.

“We have lots of first time buyers ready to go but can’t find a suitable property. As buyers now only needing a 5% deposit and very low rates, we are seeing more and more first time buyers in a position to buy now.

“Generally people are nervous about rates rising after Brexit, however the Bank of England have already said they are prepared to reduce the rates in the event of no deal. Most clients are happy to lock themselves into a 5 year rate particularly as they are so low.”

Although prices may fall a little in the short-term, they are on a huge upwards trend in the long run. This means that short-term drops can be a great chance for an investor to rise above the panic in the market to buy well.

Brexit will always be associated with the term ‘uncertain’, because of where we stand right now, there is no complete guaranteed outcome; but hopefully now you can be reassured about your finances and know that there are places to go if there’s anything you’re not sure about.

March 2019 27

Law & Finance

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At Mortgages4Plymouth you will receive the highest level of service and commitment. We often have access to exclusive mortgage products that are not available on the internet or high street.

Call now: 01752 264500 www.mortgages4plymouth.co.uk 8 Peverell Park Road, Peverell, Plymouth, PL3 4NA Your property may be repossessed if you do not keep up repayments on your mortgage. We will charge a fee of between £0 and £399. The precise amount will depend on your circumstances. This fee is payable on completion. We will also be paid a fee from the lender.

Mortgages4Plymouth is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let.

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March 2019 29

HOW TO SHOW MUM YOU CARE THIS MOTHER’S DAY

O

f course, we should care for our mums everyday - but this day is all about mums, step-mums, mother-in-laws, mums to be, nans, aunties, foster carers and a chance to make them all feel truly special.

1

Take her out for Afternoon Tea There a plenty of places that will have Afternoon Tea offers in place for Mother’s Day. A nice light afternoon snack and a catch up over some hot drinks is the perfect way to give back to your mum this Mother’s Day.

Mother’s Day falls on March 31st this year, so if you haven’t got anything planned yet, now is the time to do it.

The day marks the bond between mother and child - as well as other maternal figures. The date changes every year, but it will always fall on the fourth Sunday of Lent.

Mothering Sunday is a worldwide event where we show mums how much we appreciate them. Originaly it began as a religious event with no connection to mothers at all, but now everyone celebrates Mother’s Day in their own way.

There are many ways that you can show your mum that you care this Mother’s Day: this can be by taking them out for food, buying them flowers, treating them to breakfast in bed - just a kind gesture that celebrates your appreciation for them.

Here are a few ways that you can show your mum that you care for her this Mother’s Day:

2 3 4 5

28 March 2019

Make her Breakfast in Bed Wake up bright and early and prepare a special breakfast for that special lady in your life. The day is meant to be about her, so make sure she knows that by whipping up her favourite breakfast - and nothing will make you happier than seeing that smile on her face and knowing you’re the reason for it.

Do some Household Chores!

Kind gestures don’t have to cost, and what better way to make mum happy than her knowing that she doesn’t have to do any of the work around the house today! Go on and whip the hoover around the house, do some washing, and freshen up her home - I’m sure she will appreciate it.

Give her Flowers and a Card The florists will be booming with flowers all prepared for Mother’s Day, so treat your mum to a beautiful bouquet that will brighten up her day. Of course, you can’t forget a card; whether it’s store bought or homemade, give her a card with a special little message that is sure to let her know that you care.

Tell her!

It’s easy enough to do certain things to show mum you care, but you need to tell her that you do. She will appreciate the things you do for her, but just tell her how much you care now.

Call OM Plymouth Magazine 01752 691007

www.omplymouthmagazine.co.uk

OM PLYMOUTH RECOMMENDS:

H

annah Burnett Florist is based in the north of Plymouth, overlooking the rolling hills of Dartmoor. Established in 2014, Hannah Burnett Florist has a fast growing reputation for fabulous flowers, priding themselves on producing exquisite designs.

Since 2016, Hannah & her team have been based in Dark Lake Park, Estover, in a fabulous studio, the perfect base for a shop, workshops, courses and consultations.

Along wth producing gorgeous bouquets and arrangements for delivery across Plymouth and surrounding areas, Hannah Burnett Florist produces stunning designs for weddings, sympathy and events.

Hannah and her team continue to strive to be the very best in Plymouth and in 2017, Hannah and her team won both ‘Devon Best Florist’ and ‘South West Wedding Designer of the Year’, two prestigious awards which are proudly on display in the studio! Over the past five

FREE CHOCOLATES FOR MUM WITH ANY ORDER OVER £35 Email: hello@hannahburnettflorist.co.uk Telephone: 07887369275 Unit 2, 6 Dark Lake View, Plymouth,PL6 7FB Please call, shop online or visit us to order your Mothering Sunday flowers. Offer available for a limited time only while stocks last.

www.hannahburnettflorist.co.uk years, Hannah has produced flowers for The Queen, The Duchess of Cornwall, Michael Ball and Alexandra Burke, to name just a few!

As well as creating displays, Hannah also runs numerous workshops and courses throughout the year, with her Christmas and Mother’s Day workshops filling almost as soon as they are advertised!

To get in touch with Hannah, you can call 01752 696333 or visit www. hannahburnettflorist.co.uk or you can visit her studio in Estover six days a week.

!"#$%&'$(

MOTHER’S DAY FLOWERS Special mums deserve special flowers for Mothering Sunday. Your local award winning florist has a gorgeous collection of hand tied bouquets, arrangements and gifts. Delivering across the Mother’s Day weekend to lots of lovely Mother’s across Plymouth.

Fancy something more personal? Why not book a fabulous Mother’s Day workshop online! These are wonderful fun and include a lovely afternoon tea!

The shop is always full of wonderful flowers so it’s the perfect time to visit and pick up a little bunch for your Mum/Wife/Granny.

ORDER NOW AND RECEIVE

FREE CHOCOLATES FOR MUM WITH ANY ORDER OVER £35 WHILE STOCKS LAST.

Email: hello@hannahburnettflorist.co.uk Telephone: 07887369275 Unit 2, 6 Dark Lake View, Plymouth,PL6 7FB

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

March 2019 31

A

fter rebranding to Halo Hairdressing in 2009 from their former salon Snips after being told it would be closed down, this group of friendly and local hairdressers are celebrating 10 years of success.

Julie Wotton - one of the current salon owners - managed the original salon Snips for 9 years; which had been established for over 35 years. The sad news broke that her 9 years of management at the Co-op owned salon Snips was soon to be no more, due to Co-op selling off the small businesses.

In 2009, now current owners Julie and Sarah Jury stepped up to the challenge of saving the business by deciding to partner up and rebrand the salon. Julie tells us that the name Halo was chosen as they collectively wanted something short and sweet.

“We had shortlisted the name as one of our favourites, then a week later Beyonce brought out her song ‘Halo’ – it was definitely a sign and confirmed that this was the name to be!”

The two ladies work very well together as partners, owing to their many years of combined hairdressing experience and close friendship.

“It all happened very quickly,” Julie explains, “I had just had a baby and originally had no intention of taking on a business with six employees! The fact that we’re still here is a great bonus.

“We’ve also kept the same staff from Snips too which is amazing.

Hairdressers don’t tend to stay in the same place for too long normally.”

Halo have recently taken on a new stylist called Kirsty. Julie describes her as “willing to help with everything everyday.”

“Nothing is too much trouble for her. She was working as a hair stylist somewhere else before and she felt she needed a change. She came to us and she fits into our team very well.”

The salon has gone through a lot over 10 years, back when they were due to celebrate their 7th birthday partners Julie and Sarah took the plunge to refurbish the salon; mainly because they felt that the salon needed remodernising.

friendly and reliable service that people like to return for.

“We also offer a number of different discounts: we offer a 10% discount which is on our website, a refer a friend card, a loyalty card and a Christmas booklet with lots of offers inside!”

We asked Julie if they have plans to celebrate 10 years and she told us that “I wouldn’t need an excuse to party because I like to be out enjoying myself when I can, but we definitely have something in the pipeline to say thank you to our clients.”

Call Halo today to book in!

The salon are always up to date with the ongoing, evolving changes in the industry and the latest changes by season. Maybe this is why 75% of their client base has stayed with them since the beginning!

“Most of our clients have been with us since the beginning.” Julie tells us, “These are clients who have been with us since before we opened as Halo.

“We’d like to think it’s because we offer a

32 March 2019

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Our Favourite Recipe ideas for

Pancake Day

gluten free pancakes 1 cup gluten-free all-purpose flour, 1 TBSP ground flaxseed (flax meal), 2 TSP baking powder, 2 TSP ground cinnamon, 1/4 TSP salt, 2 TBSP maple syrup (or sugar or honey), 1 TSP vanilla, 1/3 cup unsweetened applesauce, 1 cup milk (or nondairy substitute)

VEGAN PANCAKES

ONE Grease a pan and preheat over medium heat. In a mixing bowl, sift together the flour, flax meal, baking powder, cinnamon and salt. In a separate bowl, combine the maple syrup, vanilla, applesauce and milk.

450g all-purpose flour, 2 TBSP sugar, 1 TSP baking powder, 1 TSP salt, 60ml vegetable oil, 1/2 TSP vanilla extract, 750ml soy milk, or your favourite non-dairy milk, 3 TBSP oil or as needed for cooking

two Slowly start the mix half of the liquid into the dry ingredients, stirring continuously, and add the rest 1/4 cup at a time to avoid runny batter. Mix until you get the lumps out of the batter.

ONE In a bowl, combine flour, sugar, baking powder and salt.

Add remaining ingredients until mixture is smooth.

three On your pan, begin to cook the pancakes, using about 1/4 cup of the batter for each one. Cook for 1 - 2 minutes, until they start to bubble around the edges and then flip. Cook for another 1 - 2 minutes and then serve.

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Your chance to Meet & Greet Wallace & Gromit, try some of the most delicious cheese-based cuisine, enjoy some model making and much more...

...just answer these questions Where did you pick up your copy of this magazine?

What do you like most about OM?

TWO Heat 1 TBSP of oil in a non-stick pan over medium heat.

Pour about 1/4 cup (60ml) of batter into pan. Cook pancake for 2 minutes on each side until lightly golden. Repeat with remaining batter, adding oil as needed. Top pancakes with maple syrup and seasonal fruit.

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March 2019 33

DUMBO Starring Colin Farrell, Danny DeVito, Eva Green

guide

Your guide to the films hitting cinemas this month

Max Medici (Danny DeVito) owns a family-run circus, featuring all manner of performers and animals. Dumbo is the laughingstock of the show, a baby elephant with huge, oversized ears. Soon they learn that Dumbo’s ears enable him to fly! But as crowds start to gather to see the amazing flying elephant, the performers discover a dark secret that will push this family to their limits…

Released: 29th March

MISS BALA

CAPTAIN MARVEL

Starring Gina Rodriguez

Starring Brie Larson, Jude Law, Samuel L. Jackson

Following the death of her parents, troubled Gloria (Gina Rodriguez) returns home to Tijuana to find solace. But on her return, when out celebrating with her friend, the pair find themselves casualties of a cartel shoot out. Next thing Gloria knows, she’s alone, terrified, and in the hands of the cartel. Desperate to find her friend, Gloria must work alongside her captors if she is to have any hope of returning to normality, but at what cost?

Released: 15th March

Before Iron Man, Captain America, Thor, and the Hulk formed the Avengers, another hero was called upon to save planet Earth from destruction from inter-galactic forces. Carol Danvers (Brie Larson) is an extraordinary woman. A legendary Air Force pilot well trained to deal with high-pressure scenarios, Danvers already has an important role. But she doesn’t realise how essential she is about to become to the people of Earth.

Released: 8th March

MISSING LINK

FISHERMAN’S FRIENDS

Starring Hugh Jackman, Zoe Saldana, Stephen Fry

Starring Daniel Mays, James Purefoy, Tuppence Middleton

Mr Link (Zach Galifianakis) is the last of his kind, the only known living remnant of man’s primitive ancestry, and has been in hiding for centuries – but he’s getting lonely. So, when Sir Lionel Frost (Hugh Jackman), mocked investigator of myths and monsters, receives a letter from the legendary Link regarding a joint mission to find his relatives, he jumps at the chance to prove his doubters wrong.

Released: 4th April 2019 34 March 2019

With storms to battle, nets to untangle, and fish to catch, for a group of fishermen living in Port Isaac, national stardom is the very last thing they’re thinking about. Life in their small, northern Cornish town consists of early mornings, long days on the water, and a few pints in the pub before turning around and doing it all over again.

What they don’t know is that someone who can change their lives is listening – and he likes what he hears.

Released: 15th March Call OM Plymouth Magazine 01752 691007

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WYATT BROTHERS Independent Family Funeral service

Tel: 01752 600 437

5-7 Durnford Street, Plymouth, Devon, PL1 3QJ Email: wyattbrothersltd@gmail.com

“We will never forget you or what you did for us following our loss, we are so grateful” “Your lovely personalities made things so much easier for us” “You are simply the best” Let us guide and care for you at this difficult time, and leave you with memories you can treasure.

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