OM Plymouth Magazine 152 January 2022 by OM Plymouth Magazine

OM Plymouth 152 January ‘22

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Plymouth & South Hams Leading Lifestyle Magazine

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Marjon Sport & Health We hear all about the Sport and Health Centre located on Marjon’s University campus, fully open to the public with exciting plans for the future

Mike LeGassick The pensions and investments guru, Mike LeGassick talks to us about the 3 most important things that all investors need to be aware of

Home Renovations & Interiors New Year, New Home! Take the affordable route by renovating and spruicing up your existing home with these useful tips and ideas

2022: A Big Year For Sport Home + Pets + Health & Leisure + Eating & Drinking + Law & Finance January 2022 += 01

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www.omplymouthmagazine.co.uk Plymouth & South Hams Leading Lifestyle Magazine Creative Director Myles Lockwood myles@oracle.uk.net Design Editor Amy Fry BA (Hons) editor@oracle.uk.net

Editor's Note... Happy New Year!!

Accounts Emma-Jane Corry BS (Hons) emma@oracle.uk.net

I hope you’ve all had a lovely Christmas and are excited for what 2022 will bring. In the first edition of the new year, we have one business profile from Marjon Sport & Health, an insight into the investing world from Mike LeGassick and some delicious Veganuary recipes.

Sales Managers Myles Lockwood myles@oracle.uk.net Matt White sales@oracle.uk.net

We hear from Marjon Sport & Health centre to find out more about their state-of-the-art facilities and their plans for the future.

Graphic Design Amy Fry BA (Hons) Editorial Amy Fry BA (Hons) Stock Images Pixabay | Pexels | Freepik | iStockphoto Sister Magazine The Plympton Community Magazine

Mike LeGassick is proudly sponsoring the ‘Start Saving Money on your Bills’ editorial with the do’s and don’ts of investing your money into stocks and shares. We also have an editorial about home renovations which is sponsored by lots of our brilliant local businesses that are here to help transform your home. Adjacent to this editorial is the interior design trends of 2022! Get inspired with some delicious vegan recipes from vegan carrot cake to an aromatic Thai green curry.

Amy

We hope you enjoy this edition of OM.

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Contents

January 2022

Megabus

Dream Doors

Home Renovations

Colourfence

Interior Design Trends 2022

Shop Local This Year

Walk Your Dog Month

Plymouth Pavilions

Marjon Sport & Health Centre

Dartmoor Zoo

Shake Off The Monday Blues

Editors Guide On What To Watch

Veganuary Recipes

Moorland Heating

Mike LeGassick

Great value coach travel from Plymouth

25 35

New life for old kitchens

Start january off the right way by making some home improvements

Long lasting & low maintenance steel fencing

We have found the top interior design trends for 2022 to give you a little bit of inspiration

Support your local businesses not just for Christmas but all year round

We have found some of the best walks around Plymouth and the South Hams to take your dog

Find out what’s happening at the Plymouth Pavilions this year

We caught up with Marjon Sport & Health Centre to find out more about their facilities and their plans for the future

Unique and local artwork from The People’s Gallery

STUNNING & INSPIRING ART FOR EVERYONE

Join Dartmoor Zoo for a fun packed, animal filled day on the edge of Dartmoor National Park

The third Monday of January is supposedly the most depressing day of the year

A guide to a few of the new films and TV shows to watch this January

THEMED PIN BADGE SETS

It’s Veganuary so we have found the most delicious vegan recipes for you to try this month

150 different designs from famous bands to films, actors, tv programmes, hobbies and football

Heating and Gaswork specialist Moorland Heating proudly sponsors the Drinking & Dining Directory

We hear from Mike LeGassick who tells us about the 3 most important things that all investors need to be aware of

Saving Money On Your Bills

The tips and tricks to saving money on household bills

info@kayagallery.co.uk www.kayagallery.co.uk

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HOME RENOVATIONS January marks the start of a new year, bringing with it hope, change and new year’s resolutions. Whether you’re looking to sell or if you just want to add a fresh new lease of life to your home, we have some great tips and tricks, as well as some brilliant local businesses that can get the job done! This editorial is proudly sponsored by Dream Doors Plymouth, The Door Doctor, Luke’s Gutters, Base Concepts, Core Plumbing, Colourfence and Tech Surveys.

iving your home a makeover can mean more than just the furnishings and a lick of paint. In order to make the most of the space or increase the value of your property, it might be worth thinking about doing some renovating. Making these changes to your house can come at some expense therefore, it’s important to prioritise what can make the most profit and impact. You might think that a brand-new kitchen is the right thing to invest in, but depending on the state of the current kitchen, there might not be much improvement when re-valued. Kitchens are very personal to the owner, everybody likes theirs slightly different, therefore, investing the money elsewhere, for example, a loft conversion or extension might bring you more money when it comes to valuing the property. Cleaning the gutters and roof of your home can not only transform the exterior of your home but can also extend the lifespan of your roof by ridding it from harmful substances. Luke’s Gutters and Roof are a local roof and gutter cleaning service with affordable prices starting from just £40. Tired or broken doors and windows can make the whole house feel neglected, they also let in more drafts causing your energy bills to increase. For all types of door and window repairs, The Door Doctor offers a mobile repair service based in Plymouth to help your windows look brand new again.

offer metal garden fences in a wide range of colours, styles and finishes.

partitioning and suspended ceilings to bath and kitchen remodelling.

Forking out the money for a brand-new kitchen isn’t always a quick and easy decision and with the average brandnew kitchen costing you around £8,000, you have every right to be hesitant! If only there was a way to reduce the cost somehow… well there is. Dream Doors Plymouth offer affordable solutions to a brand-new kitchen by quite simply replacing the doors and worktops. The shell of a kitchen usually stays the same, unless you’re moving the kitchen elsewhere, therefore, swapping out the doors, door handles and worktops, could save you 50% compared to a new fully fitted kitchen.

If you decide to refurbish areas in your home that require a plumber, Core Plumbing solutions have over 12 years of experience in all aspects of the trade. They offer central heating installations, general plumbing work, boilers, wet rooms, bathroom installations and disability conversions.

Do you feel like you’re outgrowing your home but can’t afford anywhere bigger? On average, extensions work out cheaper compared to upsizing and you can design it exactly how you want. With the plans in place, it’s time to get building. Base Concepts Plymouth are an award-winning building company that specialises in the refurbishment of both commercial and domestic properties throughout Devon and Cornwall. They offer all types of building services from

When it comes to selling or renting your property, Tech Surveys can aid you in making sure you have an up-to-date EPC, as well as Legionella risk assessment. They can also supply you with floor plans available in full colour, black and white or 3D from as little as £30 for a standard 2D B&W plan of a 1–4-bedroom house. All businesses mentioned in this editorial are local to Plymouth and trusted with years of experience. We hope that this has given you the confidence to transform your own house into a space that you’re proud to call home.

When renovating your home, try not to neglect your garden because by the time spring and summer comes alone, you’ll probably be spending just as much, if not more time in your garden than indoors. The most noticeable difference you can make is updating the fences. Colourfence

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INTERIOR DESIGN TRENDS

FOR 2022 January calls for a fresh start and what better place to start than your home! We have found the top interior design trends for 2022 to give you a little bit of inspiration.

Natural Materials – Bring natural elements into your home by choosing exposed wood, concrete or brick as opposed to painted and varnished furniture. The world of interior design is following the fashion industry as we turn our heads away from fast fashion by creating and choosing pieces that have longevity and stay timeless. Black Accents – Adding in small touches of black will help to bring depth into the room without making it feel dark and cold. Black table legs, mirror frames, door handles and lamps are some great options to add a touch of depth which will enhance your room making it feel sophisticated and add a good amount of contrast. Pair these black details with neutral tones to finish off the look. Vintage Hints – In 2022, we are diving back in time with our interior design and adopting more vintage pieces than ever before. Vintage items are not only a sustainable option as opposed to brand new pieces but they are also more personal unique.

The ’80s & ‘90s replacing minimalism – Fine lines and limited

Textured Fabrics – Fringed rugs,

velvet sofas and boucle armchairs are said to be taking the front seat this year. Incorporating texture into your home décor creates visual interest as well as a cosy and sophisticated feel.

Houseplants –

Houseplants have been all-the-rage since the first covid-19 lockdown in 2020. In a bid to escape the indoors, we decided to bring the outdoors into our living spaces and fill them with gorgeous greenery. Not only do they look beautiful and act as décor, they also help to purify the air and give you something to take care of.

Marble – Marble surfaces have been the centre of many kitchens for many years, and they still remain to be very trendy.

Sustainable materials –

In recent years, we have become more environmentally conscious with growing fears towards the future of the planet.

Choosing materials that have little impact on the planet in years to come is something we have naturally adapted to.

Multifunctional Spaces –

Open planned spaces with multiple uses are becoming very trendy ever since we were made to work from home during the pandemic. Having versatility in your rooms means that one space can be adapted to suit different activities such as a dining table can double up as a desk.

DIY Creations for décor –

Your home should reflect your own personality and should say something about you therefore if you are creative, why not create some DIY decorations as opposed to purchasing them.

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colours are on their way out and they are being replaced with the bold and whacky designs of the ’80s and ’90s. The ’80s and ’90s were packed full of contrasting patterns and questionable designs however in 2022, we have moulded their patterns in a way that compliments the room and the existing furniture. The ’80s also saw lots of rounded edges, including large pieces of statement furniture which is all making a come-back this year.

Herringbone Floor – The elegant herringbone flooring will become increasingly more popular this year giving the floors a classic and stylish look whilst adding a bit of character to your home. Be sure not to restrict yourself to the same flooring throughout and mix it up with different styles and patterns, even in the same room. Unlike the fashion industry, home décor trends are longer lasting and can sometimes still be current for years. We hope this has given you some food for thought when renovating your own home this year.

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Support SHOP Plymouth LOCAL Businesses! Since the after effects from the pandemic hit small businesses across the country, we have been doing our bit to help our local, independent businesses in and around Plymouth. We would like to start January off in the most positive way possible by sharing some of our brilliant local businesses. upporting local businesses not only keeps the shops running and shop owners happy but it also has positive impacts on the local community by creating more jobs and footfall to the local area.

however, you are more likely to build a better relationship with the shop owner because they have your full attention. They are more likely to recommend things to you if you are a frequent shopper and small touches like gift wrapping are more common.

Spending money in a local shop helps to circulate the money around the community, meaning that every £10 you spend in-store, the shop owner on average, spends £50 in restaurants, pubs, food grocers etc.

With this in mind, make sure to check out Captain RugWash, AsTec Models, Steve Evanz Art & Illustrations and ………….. for all your local wants and needs!

The customer service you receive from independent shops and businesses is far more personal than if you were to shop at chain companies. If done right, they both share great customer service

Plymouth offers a wide range of independent businesses, all only a stone’s throw away, therefore, we have gathered together a range of brilliant independent businesses, all local to Plymouth for you.

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Pets

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Pets

IT’S NATIONAL WALK YOUR DOG MONTH Every year in January, we celebrate National Walk Your Dog Month! As a way of celebrating this, we have found some of the best walks around Plymouth with some reasons why walking your dog twice a day, every day is so beneficial to you and your dog’s health.

fter a month of Christmas celebrations and roast dinners, it is all to easy to stay inside with the comfort of a warm fire but getting a walk into your routine once or twice a day will help to keep you fit without needing to hit the gym. Depending on the breed of your dog, they all require different amounts of walking to maintain a healthy weight. Alongside a healthy diet, the correct amount of exercise will help to regulate their weight. Getting some exercise in each day will also make a positive impact on your mental health and wellbeing and will allow you to be more motivated and less anxious in your day-to-day life. Put the phone on silent and focus on your dog for the entirety of your walk, watching them run around getting up to mischief. Your dog will find your engagement more exciting and you will enjoy living in the present moment. Always bring a phone with you just in case there is an emergency or if you are walking in the evening.

The fresh air will do yourself and your dog a world of good. Heading to a space free of cars and lower pollution levels such as Dartmoor will not only smell much more pleasant but it will also reduce the risk of cardiovascular diseases such as heart attacks and respiratory diseases like asthma. Although Plymouth is an ocean city surrounded by green open spaces, back in 2018, Plymouth was actually classed as one of the UK’s most polluted cities. With this in mind, it is important to escape the city regularly and give yourself and your dog a breath of fresh air.

Where can I walk my dog near Plymouth? Fortunately, we are very blessed to have an abundance of stunning walks right on our doorstep with low pollution levels and space for your furry friend to run around, complete with a paw friendly pub to end the walk.

Bovisand Bay to Heybrook Bay & back (2 5 miles) Arrive at Bovisand car park and join the South West Coast Path heading down past the holiday chalets and up towards the next cove. Enjoy picturesque views of the sea and the countryside as you take a gentle stroll along the trodden path. After 30 minutes of walking, you will arrive at Heybrook Bay, a stunning natural beach nestled into the South Hams coastline. You can either choose to turn back around, stay for a paddle, carry on further down the coast path or enjoy a hot drink and some grub at the Eddystone Inn. The Eddystone Inn is a charming village gastro pub, complete with a log burner fire. Enjoy panoramic sea views sat on the terrace in the summer months or cosy up next to the roaring fire after a brisk walk. The bar area is dog friendly. If the 30-minute walk there didn’t work up an appetite, head back along the South West Coast path back to Bovisand car park and then take the 5-minute drive to The Mussell Inn. The dog friendly pub hosts a delicious food menu and a wide range of drinks to satisfy your tastebuds. The country décor feels a far cry from the bustling city centre.

Buckland Abbey Woodland Walks (1-3 miles) With a choice of three different walks to try out, there is something for the whole family at Buckland Abbey. Located besides the River Tavy, the 700-year-old, grade I listed house boasts 20,000

Pets acres of stunning gardens and woodland walks. The routes are as follows; yellow, red and blue which increase in difficulty and length. The yellow route is a short 10–15-minute walk, suitable for wheel chair users and push chairs and ideal for elderly dogs who just need some fresh air. The red route is a 45-minute trek around the picturesque countryside, through woodlands and fields. Walking boots or wellies are a must for this walk, especially after a heavy down pour.

Stover Country Park A peaceful lake, lots of picnic areas, wildlife to spot on route and toilets in the paid car park. Dogs are allowed off the lead here but ask for them to stay out of the lake for the welfare of the wildlife. This gorgeous spot can become very popular in the warmer months but in the colder months, it’s an ideal spot to come for a walk with flat paths and tranquil waters.

The blue route is the most challenging walk of the three, taking 1.30hrs and taking you into the depths of the woodlands and overlooking The River Tavy. Walking boots are essential. Your four-legged friends are welcome in all three of the walks but they ask for you to keep them on a lead. There are no doggy poo bins on the grounds therefore they suggest either ‘Sticking it and flicking it’ into the hedgerow or pick it up and dispose of it at home. In need of a refreshment after the walk? Head to the restaurant for a delicious hot chocolate and to dry off those muddy paws.

The Middle Dart Valley Walk (5 miles) An easy walk, perfect for those winter days when your usual walks get too muddy. With surfaced paths and lanes between Totnes and Darington and no styles or steep hills, this walk is perfect for the long-distanced walkers. Begin by strolling through Totnes and follow the route to finally end up in Dartmouth. You can find the details for the walk here: www.visitdartmoor.co.uk/themiddle-dart-valley-walk

Bellever Forest (3 miles) Bellever Forest is a must see for anyone who loves a picturesque country walk with mossy woodlands and babbling brooks. There are two trails to follow at Bellever, both similar distances that begin at the car park. To read the guided walks in detail, please visit www.visitdartmoor. co.uk/bellever-forest Although a lot of the walks involves tracks, this is Dartmoor so it’s always good to wear a suitable pair of walking boots as you never quite know how boggy it’s going to be. In the summer months, Bellever Forest is a great destination to have a picnic next to the river. You can even enjoy a little paddle in the water to cool off and wash off those muddy paws.

After your walk, why not take the 10-minute drive up to Ilsington’s local pub for some delicious food from the bistro pub, The Carpenters Arms. They are a dog friendly pub and offer home cooked and home-made traditional pub food nestled in Dartmoor National Park.

Mount Edgcumbe Country Park (4.3 miles) Hop on the Cremyll ferry or take a drive in the car to Maker Church car park. Make sure you bring some suitable walking boots as it can be muddy in the winter months with some steep inclines and steps. This moderate circular walk will take you around the perimeter of the Mount Edgcumbe estate with fantastic views of the Plymouth sound and surrounding coastline. You will also come across eighteenth-century follies, fountains and shelters along the path. This route follows the South West Coast Path which is of course, open all year round. In the warmer months, you could stop by at the mid-sixteenth century house and have a tour of its formal gardens and even have a spot of lunch in their tea-room! To download a step-by-step guide of this walk, head to: www.southwestcoastpath. org.uk/ walksdb/135/ So, what are you waiting for? Wrap up warm, put the walking boots on, grab the dog lead and start exploring some more of what Devon has to offer!

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Health & Leisure

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Health & Leisure

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Health & Leisure

January 2022 Start the New Year by joining us with one of these fantastic offers! Offer 2:

Offer 1: Bring a friend to the gym for January, offer open to new and existing members.

10 gym sessions for

£25.00

Offer 4:

Offer 3: 20% off any

membership for armed forces and NHS staff

swims for

£20.00

(blue light card as ID)

Find out more online at: www.marjon.ac.uk/marjon-sport/

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Health & Leisure creates an excellent fitness space, and the free weights area is situated in the centre of the gym, making it open and accessible to all. This gym is also home to the only Life Fitness Power Mills in Plymouth at the moment. These high-tech step machines are popular in the US, and they have a screen which displays various hikes and walks around the world, allowing the user to explore scenery of their choice as they take each step.

Marjon Sport and Health centre, situated near Derriford Hospital, is fully open to the public, the university’s stateof-the-art sports centre is fast becoming the health hub of choice for fitness enthusiasts across Plymouth and beyond.

arjon easily competes with other fitness and health centres in the city, with its 25m pool, state-ofthe-art gym equipment and competitive membership options for all.

redecorated in 2022 and will be introducing new programs for children and the local community with a range of activity programs suitable for a wide audience.

The centre, boasts sports halls and gymnasiums which can be booked for various activities, as well as outdoor pitches, sports therapy, personal training, and access to our online fitness classes.

Swimming at Marjon

The Sports Centre is not only popular with students and the public – professionals have also taken a shine to the facilities. Plymouth Patriots and Plymouth Argyle use the sports centre for training and therapy.

The future is bright for Marjon!

There is a lot of positive change at Marjon, and we are excited about the future. In September 2022 we will be launching our new membership structure which will better serve our students and local community. We are also in the middle of planning several facility improvement projects which will benefit everyone. The Centre is also going to be completely

There is no better way of improving your health and fitness or having fun with the family than swimming. With this in mind, Marjon Sports Centre has ensured the pool is accessible for all including those with disabilities as they believe nobody should be excluded from the joy of swimming. Children are always welcome to use the Marjon Sport & Health swimming pool with children under 8 requiring an adult to be in the pool supervising them. The swimming pool is one of the key features at the centre, stemming 25m in length with a maximum depth of 1.8m at the deep end. The pool is always set up with a training lane for those who are keen to train without being disturbed. The shallow end of the pool sits at 0.9m in depth to make it child and family-friendly and knowledgeable staff are always on hand to assist anyone who needs support and advice. Marjon Sport & Health has recently partnered with Little Leander who will now be working with us to deliver our swimming programs for children. To find out more please visit https://littleleander. co.uk/ The gym at Marjon is full of top-of-therange equipment from leading brands. Their Synergy functional fitness rig

It’s easy to forget that the centre is part of a university, with the diverse range of people using the facilities at Marjon. You can be confident knowing that if help is needed, professional and friendly staff will be in hand to help you in any way they can. The on-site café is a great place to wind down after a session in the centre, with hot food and light snacks are available if you’ve worked up an appetite!

Become a member

The membership plans at Marjon Sports Centre are competitive and flexible, with various options to choose from, although you can also pay-as-you-go to use the gym and pool if you’d like to give it a try before becoming a member. Their most popular membership option is just £31 per month or £310 for the year, and covers unlimited use of the pool and the gym with induction and a personal programme included. There is no joining fee, no contract, no commitment and nothing to cancel. It allows new members an opportunity to try out the facilities and kick start their new year fitness goals without signing up to a rolling agreement. These memberships include a parking permit which allows members to park right outside the building for a set amount of time. The centre is easy to find - from the Derriford Roundabout take the exit towards the hospital, then take the first left at the traffic lights. Continue down this road to the mini roundabout and the large Marjon Sports Centre building and car park is immediately on the right. So what are you waiting for? Kickstart your new year health and fitness goals with Marjon Sport and Health. Get in touch today on the details below.

Call: 01752 636876 | sportsreception@marjon.ac.uk Marjon Sport & Health | Plymouth Marjon University Please mention OM Plymouth Magazine when responding to adverts

January 2022 += 21

Health & Leisure

Make your 2022 New Years Resolution to Shop Local! Shop at Plymouth Market to support your local economy!

With numerous stalls selling a variety of goods

le Stalls availab ebsite to rent, see w rmation for more info

WIN! ONE MONTH GYM & SWIM MEMBERSHIP FOR MARJON SPORT & HEALTH CENTRE Worth £35 For a chance to win

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

Plymouth Market is your one stop local Market

What type of businesses would you like to see advertise in OM?

What do you think of this month’s Front Cover? Unsatisfactory

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EMAIL: Please send to: OM Media Reader Response, Unit 5, Bowker House, Lee Mill, Ivybridge, PL21 9EF by Tuesday 4th February 2022

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22 January 2022

T’s&C’s:The voucher is non-transferable and no change can be given.Voucher cannot be exchanged for cash. Must be aged 18 or over.Voucher can be redeemed with Marjon Sport & Health. Must be redeemed and used by 1st June 2022

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Health & Leisure

Dartmoor Zoo – connecting you and wildlife. Join us for a fun packed, animal filled day on the edge of one of the UK’s most beautiful landscapes.

et in 33-acres of woodland on the borders of Dartmoor National Park and just 20 minutes from Plymouth City Centre, Dartmoor Zoo is unique with a fantastic collection of animals.

Celebrating a wide range of exotic and native species, the Zoo features the largest collection of big cats in the region including African lions, Amur tigers, jaguar and cheetah. Visitors will also find Iberian wolves, meerkats, zebras, otters, monkeys, tapir and much more! Home of the Hollywood film ‘We bought a Zoo’ starring Matt Damon and Scarlett Johansson, the Mee family kindly donated ‘Dartmoor Zoological Park’ to ‘Dartmoor Zoological Society’, a charity dedicated to wildlife conservation, education and research. Our charity is completely reliant on ticket income, donations and purchases to keep the vital work going. Therefore, whilst still the beloved home of the ‘We Bought a Zoo’ story, a new story led by the charity is developing. Come rain or shine, Dartmoor Zoo is a great day out for the whole family,

providing a unique opportunity to see incredible species up close and discover wildlife from around the world. Full of fresh air and green space, relax and unwind in a peaceful setting and reconnect with nature. Your Zoo adventure starts right here! Plan the best day and explore Dartmoor Zoo. By visiting, you will be helping to continue the care of our animals and supporting our vital wildlife conservation work. We look forward to welcoming you soon! Tickets must be pre-booked online – www.dartmoorzoo.org.uk.

+= 23

Health & Leisure

Around 1 in 5 adults will experience some form of depression in early 2022

Get

Help

Today.

“We support chosen charity partners who are actively practising consultancy and research to make a change by providing support, mental analysis and improving results.”

spread awareness, donate, get involved... visit: www.mentalhealthawareness.org.uk Mental Health Awareness (MHA) is a not for profit organisation. All of the money raised or donated to MHA is used in pursuing the organisation's objectives and supporting our chosen charity partners.

24 January 2022

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Health & Leisure

Shake off the Monday Blues Blue Monday – January 15th 2022 The third Monday of January is supposedly the most depressing day of the year therefore we have compiled a list of ways to shake off those Monday Blues.

anuary can be a tough month for a lot of people. Typically, by the 3rd Monday in January, the excitement of the Christmas holidays has left, New Year’s resolutions are falling short of success and the work routine seems to be dragging. Not to mention the shorter days and increased rainfall resulting in Season Affective Disorder (SAD). And after another worrying Christmas with the Covid-19 pandemic, the winter period has caused even more stress and anxiety for people worried about their own health and the health of their loved ones.

1. Blast some music on! Whether you’re in the car on your way to work or cooking up some breakfast in the kitchen, an upbeat playlist can start the day off right.

2. Treat yourself to a little something Indulge in a takeaway, buy yourself some flowers or head to the online shops and order yourself a new outfit. Purchasing items that make you happy have a shortlived, but positive effect on your mood and it also gives you something to look forward to when they arrive.

3. Talk to someone Reaching out and having a conversation with someone can instantly brighten your day. Pop over to your loved ones for a catch-up and a cuppa or ask your work colleagues about their weekend. If you are in a position where you need immediate support, you can text SHOUT to 85258 for a free 24/7 support line.

4. Pamper yourself Light a candle, run the bath, use some essential oils to completely relax. It’s important to take some time out of your day to completely switch off from everything and allow your mind to feel at ease. Turn your phone on silent for the duration of your bath and maybe read a book, listen to a podcast or put on some relaxing music.

5. All dressed up If you’re having a day lounging about the house, or perhaps you’re working from home and don’t necessarily need to show yourself to anyone, get dressed regardless of your plans. Taking the time to pick out a great outfit, styling your hair or giving your beard a fresh trim not only makes the time fly by but also helps give you a confidence boost. ‘Look good, feel good!’

6. Get some exercise in Even if you don’t feel like working out, it will help! Even a home workout releases happy mood chemicals called endorphins which in turn reduce stress and alleviate anxiety. A workout doesn’t have to be high-intensity either, it can simply be a stroll around the park or a walk around the glorious South West Coastline. Whilst you’re on your walk, or if you have decided to do a spot of yoga, remember to take in all the senses of being outside. Being in the present moment helps you to appreciate the world you live in and stops you from taking these things for granted. With all this in mind, I hope your Blue Monday becomes a little less blue this year.

January 2022 += 25

Health & Leisure

SCREAM Starring - Neve Campbell, Courtney Cox, David Arquette

guide Editors guide to the latest and upcoming releases...

Scream (also informally known as Scream 5) is an upcoming American slasher film that serves as the fifth installment of the Scream film series. Twenty-five years after a streak of brutal murders shocked the quiet town of Woodsboro, Calif., a new killer dons the Ghostface mask and begins targeting a group of teenagers to resurrect secrets from the town’s deadly past.

Released: January 14th

The 355

Sesame street

Starring - Jessica Chastain, Lupita Nyong’o, Diane Kruger, Penelope Cruz

Starring - Anne Hathaway, Bo Burnham, Chance the Rapper

From the studio that brought you Jason Bourne, The 355 promises to bring you fast-paced action and suspence. When a top-secret weapon falls into mercenary hands, a wild card CIA agent joins forces with three international agents on a lethal mission to retrieve it, while staying a step ahead of a mysterious woman who’s tracking their every move.

Released: January 7th

Big Bird and his Sesame Street friends are mysteriously expelled from their neighborhood, finding themselves in Manhattan. They team up with a plucky history show host Sally Hawthorne (Anne Hathaway) who’s on a quest to save her show and prove that Sesame Street actually exists, with obstacles created by the “evil” Mayor, with reasons of his own for keeping Sesame Street hidden from the world.

Released: January 14th

Munich — The Edge of War

MORBIUS

Starring - Jeremy Irons, Jessica Brown Findlay

Starring - Jared Leto, Michael Keaton, Matt Smith

Based on the international bestseller by Robert Harris. It is Autumn 1938 and Europe stands on the brink of war. With the pressure building, Hugh Legat, British civil servant, and Paul von Hartmann, German diplomat, travel to Munich for the emergency Conference. As negotiations begin, the two old friends find themselves at the center of a web of political subterfuge and very real danger.

Released: January 21st 26 January 2022

Morbius is an upcoming American superhero film based on the Marvel Comics character Morbius, the Living Vampire. Dangerously ill with a rare blood disorder, and determined to save others suffering his same fate, Dr. Morbius attempts a desperate gamble. Biochemist Michael Morbius tries to cure himself of a rare blood disease, but when his experiment goes wrong, he inadvertently infects himself with a form of vampirism instead.

Released: January 21st

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Health & Leisure

Marvel’s Hit-Monkey

Deep Water

Starring - Fred Tatasciore, Jason Sudeikis, Olivia Munn

Starring - Ben Affleck, Ana de Armas, Tracy Letts

After a high-profile political assassination goes sideways, an injured hitman hides out amongst a tribe of snow monkeys in the mountains of Japan. It tells the tale of a wronged Japanese snow monkey, mentored by the ghost of an American assassin, as he cuts a wide swath through the Tokyo underworld. Was due to drop in Nov, but was delayed.

Released: January 26th

Deep Water is an upcoming American erotic psychological thriller film directed by Adrian Lyne, based on the 1957 novel of the same name by Patricia Highsmith. A well-to-do husband who allows his wife to have affairs in order to avoid a divorce becomes a prime suspect in the disappearance of her lovers. The couple begin playing deadly mind games against one another that begin seeing those around them dying.

Released: January 14th

Action Pack

HARRY POTTER 20TH ANNIVERSARY

Starring - Nevin Kar as Clay

Starring - Daniel Radcliffe, Emma Watson, Rupert Grint

Action Pack follows a group of heroic kids Treena, Watts, Wren and Clay who use their incredible super powers as they take on the biggest threats in Hope Springs, implement the lessons taught by Mr. Ernesto at the Action Academy, and fulfill their ultimate mission of bringing out the good in everything, even in villains.

The invitation you’ve been waiting for! Harry Potter 20th Anniversary: Return To Hogwarts is coming to NOW on New Year’s Day. Fans around the world will be able to watch Daniel Radcliffe, Rupert Grint and Emma Watson head back to Hogwarts in this special, with fellow cast and crew members, to celebrate the anniversary of the first Harry Potter film.

Released: January TBC

Released: January 1st

The Black Phone

Ozark

Starring - Ethan Hawke, Jeremy Davies, James Randone

Starring - Jason Bateman, Laura Linney, Sofia Hublitz, Skylar Gaertner

Finney Shaw is a shy but clever 13-year-old boy who is abducted by a sadistic killer and trapped in a soundproof basement where screaming is of no use. When a disconnected phone on the wall begins to ring, Finney discovers that he can hear the voices of the killer’s previous victims. And they are dead-set on making sure that what happened to them doesn’t happen to Finney.

Released: January 28th

A financial advisor drags his family from Chicago to the Missouri Ozarks, where he must launder money to appease a drug boss. The Byrdes journey is coming to an end in 2022 with the first half of the two-part final season arriving towards the end of January 2022. We’ve followed the family and every season they’ve dug themselves deeper and deeper into the cartel that they’re money laundering for.

Released: January 21st

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January 2022 += 27

Eating & Drinking

OUR FAVOURITE

VEGAN

RECIPE IDEAS VEGANUARY IS HERE! If you’re struggling for some delicious vegan recipes to help you through the month, look no further. Here are our favourite vegan dishes and sweet treats!

Tuscan Vegan Gnocchi (Serves 5)

• 2 tablespoons olive oil • 2 vegan Italian sausages (7-8 ounces), sliced, I used Field Roast • 4 cloves garlic, minced • 1/2 cup vegetable broth • 13.5 ounce can full fat coconut milk • 2 teaspoons fresh lemon juice • 1 teaspoon dried Italian seasoning • 1/3 cup sun dried tomatoes, sliced if whole • 1 pound uncooked gnocchi, the dry packaged kind • salt + pepper, to taste • 2 cups loosely packed baby spinach • 1/2 cup Vegan Parmesan, + more for garnish • 1/4 cup chopped fresh basil ONE In a large skillet, sauté the vegan sausage over medium-high heat for about 5 minutes, until browned. Add the garlic and cook, stirring constantly, for 30 seconds until fragrant. TWO Pour in the vegetable broth, coconut milk, lemon juice, Italian seasoning, sun-dried tomatoes and gnocchi. Give everything a good stir. THREE Bring to a boil, then lower heat to medium and cook, uncovered for 5 minutes, stirring occasionally. Add salt + pepper to taste, and stir in the spinach. Cook for another 2 minutes, until the spinach has wilted. FOUR If using, stir in the vegan parmesan. At this point, the gnocchi should be cooked through but not mushy, and the sauce thickened somewhat. Cook an additional minute or two if necessary. Serve immediately garnished with vegan parmesan and fresh basil.

Vegan Carrot Cake (Serves 12-15)

For the icing • • • • •

4 sachets (200g) creamed coconut 1 tbsp lemon juice 2 tbsp cashew nut butter 50g icing sugar 60ml oat milk

For the cake

• 250ml jar coconut oil , melted • 300g light brown sugar • 1½ tsp vanilla essence • 210ml dairy free milk , we used oat milk • 420g plain flour • 1½ tsp baking powder • 1½ tsp bicarbonate of soda • 1 tsp cinnamon , plus extra cinnamon to decorate • 1 tsp ginger • 1 tsp ground nutmeg • 1 orange , zest only • 4 medium carrots , grated (you want 270g grated weight) • 75g chopped walnuts , plus extra to decorate ONE Start by making the icing first. Mash the coconut cream with 2 tbsp hot water and the lemon juice until smooth. Add the cashew butter then whisk in the icing sugar followed by the oat milk. Continue to whisk until fully combined, set aside in the fridge until needed. TWO Heat the oven to 180C/160C fan/gas mark 4. Grease 2 x 20cm cake tins with a little of the melted coconut oil and line the bases with baking parchment. Whisk together the oil and sugar, then add the vanilla and milk. Combine the flour, baking powder, bicarbonate of soda, spices and orange zest in a separate bowl. Add these to the wet mixture and stir well. Finally stir in the carrot and the nuts. Divide the mixture between the prepared tins and bake for 25-30 mins until a skewer inserted into the middle of the cake comes out cleanly. Cool in the tin for 5 mins before transferring to a wire rack to cool completely. THREE Sandwich the cakes together with half the icing then cover the top with the remaining icing (add a splash of oat milk if the icing feels too firm). Scatter over the nuts and dust the cake with a little cinnamon

28 January 2022

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Eating & Drinking

Vegan Jambalaya (Serves 2) • • • • • • • • • • • • •

2 tbsp olive oil 1 large onion (180g), finely chopped 4 celery sticks , finely chopped 1 yellow pepper , chopped 2 tsp smoked paprika ½ tsp chilli flakes ½ tsp dried oregano 115g brown basmati rice 400g can chopped tomatoes 2 garlic cloves , finely grated 400g butter beans , drained and rinsed 2 tsp vegetable bouillon powder large handful of parsley , chopped

ONE Heat the oil in a large pan set over a high heat and fry the onion, celery and pepper, stirring occasionally, for 5 mins until starting to soften and colour. TWO Stir in the spices and rice, then tip in the tomatoes and a can of water. Stir in the garlic, beans and bouillon. Bring to a simmer, then cover and cook for 25 mins until the rice is tender and has absorbed most of the liquid. Keep an eye on the pan towards the end of the cooking time to make sure it doesn’t boil dry – if it starts to catch, add a little more water. Stir in the parsley and serve hot.

Spinach & Apple Smoothie (Makes 1) • 1 apple • 1 date • 1 celery stick • 4 cubes of frozen spinach (100g / 3.5oz ) (or sub for a handful of fresh spinach) • squeeze of fresh lemon juice • small handful of walnuts • 250ml / 8.5 fl.oz almond milk • 250ml / 8.5 fl.oz water ONE Quarter the apple and remove the core, top and tail the celery and cut it into small pieces and remove the stone from the date. Add all three ingredients to a blender along with the spinach, a squeeze of lemon, the walnuts, almond milk and water. TWO Blend until smooth then serve.

Recipes from bbcgoodfood.com

Vegan Meringues (Makes 10-12) • 400g can chickpeas • 100g golden caster sugar • soya cream and fruit, to serve (optional) ONE Heat oven to 110C/90C fan/gas ¼ and line a baking tray with baking parchment. Drain the can of chickpeas over a bowl, saving the chickpeas for another recipe. TWO Using an electric whisk, beat the chickpea water until soft peaks form (similar to egg whites). Add the sugar a little at a time, whisking constantly until thick and glossy. This step is crucial to helping the meringues hold their shape and you’ll be whisking for up to 10 mins – far longer than for a traditional meringue. THREE Spoon or pipe the meringue mixture over the tray in 8cm blobs. Bake for 1 hr 15 mins until crisp. Leave to cool, then pile with the soya cream and fruit, if using.

Vegan Thai Green Curry (Serves 4) • 200g baby potatoes, halved • 100g green beans, trimmed and halved • 1 tbsp rapeseed oil • 1 garlic clove, finely sliced • 1 tbsp Thai green curry paste (check the label to make sure it’s vegetarian/ vegan) • 400g can light coconut milk • 1 lime, zest pared in thick strips • 80g sugar snap peas, halved lengthways • 150g cherry tomatoes, halved • 100g firm tofu, chopped into small cubes • small bunch coriander, chopped • 200g jasmine rice, cooked following pack instructions ONE Cook the potatoes in boiling water for 8 mins. Add the green beans and cook for a further 3 mins, then drain. TWO Heat the oil in a wok or pan, fry the garlic for 1 min, add the curry paste and cook for 1 min, or until it starts to darken a little and smell fragrant. Stir in the coconut milk and bring to a simmer, drop in the lime zest and gently bubble for 5 mins to thicken the sauce a little. THREE Add the potatoes and beans followed by the sugar snap peas and cook for 1 min before stirring in the cherry tomatoes and tofu. FOUR Cut the lime in half and squeeze the juice into the pan, then stir in the coriander and serve over the rice.

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January 2022 += 29

Eating & Drinking

DRINKING AND DINING Local Directory Bars & Cocktail The Treasury Annabel’s Le Vignoble The Slug and Lettuce The Refectory The Gin Sanctuary Seco Lounge The Blues Bar & Grill Barbican Botanics Gin The Bottling Plant Honky Tonk The Clubhouse Brewdog Ocean View

Pub food Catherine Street, Plymouth Vauxhall Street, Plymouth Royal William Yard, Plymouth Berkeley Square, Plymouth 60 Southside St, Plymouth 140 Vauxhall St, Plymouth Royal William Yard, Plymouth 8 The Parade, The Barbican 38 New St, Plymouth 5 Southside Street, Plymouth 2 N E Quay, Sutton Harbour Brewhouse, RWY Ground Unit 10, The Barcode 135 W Hoe Road, Plymouth

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262318 220411 674633 266400 266176 665516 669686 201522 222938 661290 671299 941502 261120 676820 269900 220352 228069 505060 261306 227379 263116 662143 201523

ASIAN RESTURANTS Buffet City The Red Lantern The Wet Wok Dragon City China Chef Takeaway Jasmin Restaurant Silver Dragon Yungs Carry Out East Eat Shapla Balti Cusine Plympton Spice Nibana The Eastern Eye Mombay Brasserie Ganges and Gurkha Himalayan Spice Papa Raj The Thai House Bengal Flavour Wagamama Kuku Sushi & Robata Sizzall B-Bar Suphas Tea and Bun

1 St Andrews Cross, Plymouth 57 North Hill, Plymouth 75 Hoe Road, Plymouth Glen Rd, Plymouth 3 Seymour Rd, Plympton 3 Buckland Terrace, Yelverton 255 Dean Cross Rd, Plymouth 39 Lopes Rd, Plymouth 18 Barne Rd, Plymouth 137 Ridgeway, Plymouth 151 Ridgeway, Plymouth 9 Morshead Rd, Crownhill 57 Notte St, Plymouth Penrose House, Plymouth 36 Bretonside, Plymouth 31 New St, Plymouth 41 Springfield Rd, Plymouth 63 Notte St, Plymouth 18 Buckwell St, Plymouth Royal William Yard, Plymouth 19 Princess St, Plymouth 15 Derrys Cross, Plymouth The Barbican Theatre, Plymouth Sutton Harbour, Plymouth 135 Cornwall St, Plymouth

EUROPEAN RESTAURANTS La Bistrot Pierre La Roux Café Meze Grill Grecian Taverna The Leandra Lanterns Kapadokya Lorenzos Maritimo Positano Barbican Pasta Bar Il Capriccio Prezzo Frankie & Benny’s Pizza Express Wildwood The Stable Knead Pizza Bill’s Nando’s Samphire (V) Bella Italia Fletcher’s

Royal William Yard, Plymouth 33 Notte St, Plymouth 48 Southside St, Plymouth 9 Market Avenue, Plymouth 19-21 Frankfort Gate, Plymouth 88 Cornwall St, Plymouth 12 New Street, Plymouth 26 Derrys Cross, Plymouth Hoe Rd, Plymouth 36-38 Mayflower St, Plymouth 40 Southside St, Plymouth 4 Frankfort Gate, Plymouth Royal William Yard, Plymouth Barbican Leisure Park,Plymouth 16 Barbican Approach, Plymouth 3 Derrys Cross, Plymouth Vauxhall Street, Plymouth 151-156 Cornwall St, Plymouth 1 Charles St, Plymouth 15-21 Old Town St, Plymouth 111 Mayflower St, Plymouth 30 - 33 Derrys Cross, Plymouth 27 Princess Street, Plymouth

Latin AMERICAN RESTAURANTS Turtle Bay Arribas

5 St Andrews Cross, Plymouth 56-58 Notte St, Plymouth

01752 221243 01752 603303

Rose and Crown The Imperial The Boringdon Arms The Three Crowns The Chaddlewood The Elburton Inn The Fishermans Arms The Jack Rabbit The Miners Arms The Royal Oak The Ship Inn The Ship The George Inn The Navy Inn The Odd Wheel The Mussel Inn The Treby Arms The Waterfront Eddystone Inn

Market Street, Yealmpton 28 Western Road, Ivybridge Boringdon Terrace, Plymstock 11 The Parade, Plymouth 100 Glen Road, Plympton 221 Elburton Road, Plymstock 31 Lambhay St, Plymouth 8-9 Howeston Road, Plymouth Hemerdon Ln, Plympton Meavy, Yelverton Noss Mayo, South Devon The Barbican, Plymouth 191 Ridgeway, Plymouth 34 Southside St, Plymouth Knighton Rd, Wembury Down Thomas, Plymouth 6 Newton Row, Sparkwell 9 Grand Parade, Plymouth Heybrook Dr, Heybrook Bay

01752 01752 01752 01752 01752 01752 01752 01752 01752 01822 01752 01752 01752 01752 01752 01752 01752 01752 01752

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228556 255974 260717 667688 603183 600560 946932 335567 221144 227262 835793 651410

68 Ebrington St, Plymouth Durnford Street, Plymouth Finewell Street, Plymouth 31 Stonehouse Street, Plymouth 18 Millbay Road, Plymouth 36 Admiralty Street, Plymouth 33 Southside Street, Plymouth Longbrook Street, Plymouth 61 Notte St, Plymouth 60 Southside St, Plymouth 50 Exeter St, Plymouth Richmond Walk, Plymouth New Continental, Millbay Road 55 Shaw Way, Plymouth Sutton Wharf, Plymouth King Point Marina, Plymouth Kingsbridge Road, Brixton 162 Exeter St, Plymouth Sir John Hawkins Square, Plymouth 134 Armada Way, Plymouth

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55 Bretonside, Plymouth 48 Ebrington St, Plymouth 46 Southside St, Plymouth 82-84 Vauxhall St, Plymouth 11 Millbay Rd, Plymouth Beckley Point, Plymouth 9 Vauxhall Quay, Plymouth 14 Darklake View, Plymouth 46 Tavistock Place, Plymouth 58 Southside St, Plymouth Darklake Lane, Plymouth 2 Haye Road South, Elburton 117 Beaumont Rd, Plymouth

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TBC 657050 253788 267862 785855 958645 639565 977540 263910 256655 695888 481117 659755

FISH AND SEAFOOD RESTAURANTS 21 Sutton Harbour, Plymouth The Harbour 3 Sutton Harbour, Plymouth Rockfish Seafood & Pasta Bar 10 Quay Rd, Plymouth The Village Restaurant 32 Southside St, Plymouth 35 Southside St, Plymouth Harbourside 2-4 Commercial Wharf, Plymouth The Boathouse 11 St Stephen Rd, Plymouth Plym Fish Bar 6 Glen Rd, Plymouth Kingfisher 58 Faringdon Rd, Plymouth Atlantic Fryers 12 The Barbican, Plymouth Platters Fishbone Restaurant 1 William Prance Rd, Plymouth 12-13 Madeira Rd, Plymouth Pier Masters house

TRADITIONAL RESTAURANTS Tilt The Artillery Tower The Greedy Goose Rock Salt Salumi The Fig Tree @ 36 Quay 33 St Elizabeth’s House Barbican Steakhouse Barbican Kitchen Fusion Restaurant Jolly Jacks Steve’s Brasserie The Bridge Miller & Carter The Dock The Foxhound Inn Heaven Cosmic Kitchen Crispy’s

CAFES Minerva Cafe Prime Cafe Bar The Flower Cafe Boston Tea Party Rhubarb & Mustard Ground Coffee House Koffiehuis Hive Cafe Caffeine Club Chocaccino The Woolwell Centre Lemon Tree Cafe Cobblers and Coffee

PLEASE CALL IN ADVANCE TO CHECK ON OPENING TIMES AND RESERVATIONS

30 January 2022

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01752 338810

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January 2022 += 31

What’s On Guide

January 2022

All events and dates are correct at time of print. Please check or contact events organiser for further details.

MAMMA MIA! Theatre Royal, Plymouth 18th January - 5th February

BECOME A DANCING QUEEN FOR THE EVENING AT THE THEATRE ROYAL! John Richardson’s The Dark Room

Barbican Theatre, Plymouth Friday 28th January

Barbican Theatre, Plymouth Saturday 15th January Looking for a comedy night, gameshow or pantomime? Well this is all three! It begins with the audience being trapped in a retro videogame with a sadistic end-of-level boss. Choose your options, survive the abuse simulator that is the improv comedy overlord John Robertson, and escape to win £1000 – or, be brutally murdered by the rest of the crowd! “If you like your comedy interactive, you’ll be hard-pressed to find better than John Robertson” ThreeWeeks. This performance has been shown at comedy and gaming festivals around the world. This is a Pay What You Decide event therefore you pay what the show is worth to you! Pay before the show has began or after for as little as £0. SECO LOUNGE QUIZ Seco Lounge, Royal William Yard Every Monday Night @ 7.30pm How does a burger, pint and a quiz sound? Pretty good I’d say! Every Monday night from 7:30pm, Seco Lounge hosts a thought-provoking quiz night for their customers. Grab your smartest friends, bring the wackiest team names with you to enjoy a night of competitive fun. It costs just £1 per person to enter the quiz leaving the winning team to take home the whole pot. Make sure you gather a team of up to 6 individuals and grab your seat from 7pm to be in with a chance of winning!

32 January 2022

THE BALLAD OF MULAN

The Barbican Theatre presents the Chinese heroine that inspired Disney’s animation. ‘For ten years Mulan disguised as a man, has fought for the Chinese Empire. Now the fighting is coming to an end, one last battle and she will be going home - but can she return to her old life, become a woman again. A search for identity in a violent world.’ - Visit Plymouth. This is another Pay What You Decide event! Looking at other similar events going on, they estimate it to be worth £10 however you can pay as little as £0 for your ticket. Good food and craft market Melville Building, Royal William Yard 1st Sunday of every month Indulge in the finest local food and shop for some gifts while you’re there! This market runs every month on the 1st Sunday from 10am-3pm and promises a whole host of delicious food and crafts made from local artists. The market is located on the main street as well as inside the Melville Building of the Royal William Yard. What better backdrop for a market than the Grade 1 listed buildings and blue surrounding waters. Some of the traders include; Adhock Homeware, Authentic Thai Food, Barbican botanics, CHILLO Fashions, Debbie Shephard Cheese, Forever Living and many more! The market is free of charge so what are you waiting for? Come on down and see what they have on offer!

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Take yourself out of Plymouth and onto a Greek island of paradise for the evening. MAMMA MIA! The musical is coming to the Theatre Royal Plymouth at the beginning of 2022 and promises all of the love, excitement and nostalgia of the movies. ‘Set on a Greek island, a story of love, friendship and identity is cleverly told through the timeless songs of ABBA. This irresistibly funny show has been thrilling audiences all around the world and now there’s never been a better time to see this unforgettable musical in Plymouth.’ - Theatre Royal Plymouth. Tickets are priced at £32.00. Make sure you book soon to ensure your seats! SOUTH WEST SUP SESSIONS Royal William Yard, Plymouth Every week Have you ever wanted to learn how to do stand-up paddleboarding before or already tried it and can’t wait to get back on the board? South West SUP are located within the Royal William Yard and hold sessions to teach you how to SUP like a pro! They also offer the boards to hire if you are already confident on the water. Prices vary depending on the length of time you are out on the water and what kit and lessons you need. They start from £25 for two hours of board hire complete with wetsuit, buoyancy aid and drybag, up to £200 for 25 sessions with expert tuition and guidance. What are you waiting for!

Try SUP today at the Yard!

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YOUR PERSONAL INVESTMENT COACH: MIKE LEGASSICK It’s that time of the year when we make resolutions to improve our lives in the new year. Health and finances always seem to be among the top areas we wish to improve. In this piece I have decided to write about the 3 most important things that all investors need to be aware of.

ne of the most common questions I get asked is “what’s working now Mike or where is the best place to invest now Mike?” My answer is always the same. I have only ever invested my clients’ money in what has always worked and that is a huge collection of the greatest companies on the planet. I have never invested my clients’ money in whatever the current fad happens to be. Examples of what people think are hot right now are Cryptocurrency, Brazilian Teak Farms, and Car Parks to name a few. If a client wants to invest in just one or two highly volatile, high risk asset classes that’s up to them, but I will have no part of it. If it is money they can afford to lose completely and it won’t impact their financial and retirement plans then they can go and knock themselves out. After all, it is their money. What’s Working Now? - The Turkey’s Story To bring the permanent loss of capital or the ‘what’s working now’ dangers to life, try to think of them in terms of being a turkey on a farm. I know this sounds a little crazy, but please bear with me. You’re a turkey in a little coop and every day that

goes by you become more confident and comfortable with the farmer and your environment. Why wouldn’t you? Every day he puts grain in one trough and water into another for you. This farmer clearly has your best interests at heart. You have a nice warm place to live, and you are protected from natural predators. You really like and trust this farmer. You’re permanently hanging out with your family and friends, and you don’t have a care in the world. Life is good. You’re getting really well fed and every day you are getting bigger, bigger, and bigger. So as time passes you grow more comfortable and settled in your rosy idyllic surroundings – that is, until a few days before Christmas when things take an unexpected turn for the worse. You get an unsettled feeling that something is not right. The farmer has not come in as usual, he’s late, and then suddenly the shed door is flung wide open and there’s a big truck outside and all your friends and family are getting loaded into the truck. Christmas is just a few days away. You’re thinking to yourself “what’s going on here?” You don’t know it yet, but you are soon going to be someone’s Christmas lunch.

Meet Mike LeGassick And it was all going so well until that day. This is what the permanent, irretrievable, loss of capital feels like. Similarly investing your life savings in something that just happens to be working right now, the latest fad, most often produces the same outcome. Just when you thought that things could not get any better, reality bites and BANG! GAME OVER. Do your investments have the characteristics of the turkey, that misplaced trust, the false sense of security? If so, ask yourself whether you could be the turkey here?

The Rollercoaster In over 30 years as an investment adviser, the single biggest and most dangerous mistake I have seen people make is confusing volatility with the permanent loss of capital. Be very aware that these are 2 very different things. You should think about volatility as being on a rollercoaster. If you have ever been on a rollercoaster, you probably experienced mixed emotions as you were about to get into your seat. Most people feel excited and fearful. You know that this is going to be both scary and exhilarating. You sit down, you lock the safety bar into place across your chest thinking that this is a bit tight, and you start your steep, high climb up the rollercoaster track. Up you go higher and higher to the apex and then as you drop down the other side at high speed you are screaming thinking you’re about to die. You go through the first loop the loop and then

34 January 2022

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Law & Finance the second loop the loop and all you are thinking is I want to get off this, I want to get off this, please let me get off this! I’m going to die! You go through the final loop the loop and then the rollercoaster slows down to a gentle stop, and you get out safe and sound. You know that had you attempted to get yourself out mid-ride in the middle of one of those loops there would have been very serious consequences, a high chance of permanent loss, but you didn’t, you sat tight and finished the ride. Think of volatility as the ups and downs and unpredictability of prices over a rising trend line over time. Think about volatility as a rollercoaster ride. Investing is a little like walking upstairs using a yoyo. The ups and downs are inevitable but the journey on the stairs is upward.

Inflation - The Relentless, Silent Assassin Inflation ensures the slow, pervasive, erosion of the purchasing power of your money. Put simply, all your cash and invested assets really are, is the future purchasing power of your money. This is what all money and currency is, and inflation is a relentless and very dangerous flavour of risk. I refer to inflation as the silent assassin. The story below brings this vividly to life.

Mike LeGassick’s book ‘Your Money and Your Life’

Mike LeGassick’s website ‘Saver Behaviour’

The Swan Ice Sculpture The story to bring inflation to life is the beautiful swan ice sculpture often seen at weddings. You arrive in the morning in all your finery. All your friends are there, and you are looking forward to a great day. And there it is, a beautiful swan ice sculpture that is the centrepiece of where you are having your canapés and drinks. It looks stunning and everyone is admiring it and commenting on it. It is pristine. You can clearly see the detailed definition of the feathers and the beak and there is a drip tray underneath it and there is not a single drop of water in the drip tray, and you think, wow, that is impressive. And then you get on with the wedding proceedings, you have the ceremony and you come back for some light snacks and refreshments, and you look at the swan and the drip tray and you think wow, there’s a lot of water in there now. You look at the swan and, and think, well, it’s sort of a swan. You can just about make out that it is a swan. You come back much later after the buffet and you’re wondering what has happened to the swan ice sculpture. What once stood majestically is now unrecognisable. It just looks like an undefined melting block of ice and the drip tray is now completely full of water. To bring inflation to life, think of it as a swan ice sculpture at a wedding, the slow, continual, drip, drip, drip of you relentlessly losing your money’s purchasing power to inflation. The primary requirement for any money you might have saved or invested is for it to maintain your purchasing power and standard of living. Providing your money, wherever it is held is growing at

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least by the rate of the increasing cost of living you will never suffer a drop in the standard of living. Unfortunately, as I write this, interest rates on savings remain at historic lows. Most people are struggling to get 0.5% on any savings. Inflation is currently 4.2%. This means that any money you have saved at say 0.5% is losing 3.7% per annum to inflation. So let’s look at a monetary example of this. In 10 years’ time, £50,000 held on deposit will still show £50,000 in your account but will only be worth £34,768 in real terms. Yes , you read that right. Your £50,000 in just 10 years has lost an annually compounded 3.7% and will now only be able to buy goods and services to the value of £34,768 because of that silent assassin inflation. Ouch! Using long-term inflation trends, the cost of living increases about 2.5 times over a 30-year retirement. A first-class stamp in 1991 was 24p. A first-class stamp today is 85p. That is a whopping increase of 254% over a 30-year period! If you want to find out more on how to be a smarter investor, how to get your savings to grow at the same rate as inflation or more, and how much you need to retire comfortably and stay comfortably retired, please contact me on 01752 837950 or visit my client education and behavioural investor website which brings all of the above to life: www.saverbehaviour.co.uk Mike specialises in investing, inheritance tax planning, and retirement planning. Mike is also a member of the Parliamentary Review and has written a piece for them which was sent out to over 500,000 businesses in the UK.)

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START SAVING MONEY ON YOUR BILLS THIS JANUARY January is the time for starting a fresh, making new year’s resolutions and a whole lot of change therefore, what better time to get your finances in order!

fter a typically expensive month in December, our bank accounts aren’t thanking us, so we have found some brilliant ways to get on top of your bills and find out what you can do to save a little bit extra this year. Sadly, the reality of it is, you’re not going to be saving £1,000 in just one day. These things take time and have to be implemented into your lifestyle for the benefits to really begin to show. Our minds work in very odd ways where we end up saving money on one thing and then see that saved money as ‘free money’ resulting in us spending that money on something else. This is an endless cycle which means we never get to save money; we just end up spreading the finances further afield. This was a snippet of information I took from speaking to the Martin Lewis of the investment world, Mike LeGassick. There are a few apps on the market that help to track your daily spending’s, one in particular that I use is called Emma. Think of Emma as your best financial friend, she will help you to take control of your finances by notifying you if you are entering an overdraft as well as tracking your subscriptions for you. The app categorises your direct debits and purchases to enable you to see exactly what you’re spending and what areas you’re spending the most in. There is also no escaping your bank balance because Emma will notify you every day to make sure you’re aware of how much is left in your account. Brutal but very helpful in the long run! The Emma app has also teamed up with Money Super Market to give you suggestions to save on your bills as well as other useful financial cuts. You can use the majority of the app for free but there are some benefits to using the paid service

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however you have to think, “Is this going to just be another thing I have to spend money on?” I can’t stress enough that the time to start taking control is right now! You might have a weekend planned that you may want to spend a little extra to treat yourself but that doesn’t mean you can cut your expenses elsewhere to make up the difference. Finding the best rates on your utility providers and insurance companies will no doubt take many hours searching through the web and contacting various companies but it will be worth it. Firstly, make a list of all your bills and subscriptions and go through each one finding out what you’re paying and if you can find a cheaper deal. I prefer to write this on paper as it’s easier to see and make notes on.

recommend calling up your insurance company to see if they can find ways to reduce the price for you. Particularly for car insurance, you can save a lot of money just by swapping a few things around, updating your annual mileage or taking people off your insurance that isn’t needed. If you’re employed, there are some benefits that you can use against utility bills and subscriptions. Business owners can also get discounts on things like phone contracts and if you work for the NHS or the forces and have a blue light card, they can also get you various discounts. Students, make full use of those discounts because you’ll be wishing you still had them for years to come.

Cheaper deals can be found on various comparison websites however, it’s always good to have an idea of where to go first for each of your bills.

Where to find cheap deals. Gas & Electricity – Money Saving Expert, Compare the Market, Utility Warehouse Car & Home Insurance – Compare the Market, Go Compare Broadband – U-Switch, Which?, Compare the Market, Money Supermarket Phone Contract – U-Switch, Money Saving Expert, Money Super Market It’s also worth finding these cheaper deals elsewhere and then going back to your original provider to see if they could match your price. I would also

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Don’t be afraid of own-brand foods. We are all guilty of picking out our favourite brands regardless of the price jump but own brand foods are always worth trying. Some own brand products are almost identical to their branded counterparts yet we always get enticed by pretty packaging. Even if the flavours aren’t quite as tasty, you can always add extra herbs and spices at home to give them a more premium taste with no added cost. With this in mind, we hope this has helped you to think a little differently this year and take control of your finances!

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