OM Plymouth Magazine 158 July 2022

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Keane & Parker

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Murray Volkswagen Q&A with the Murray Group on electric vehicles

Mike LeGassick Your savings & investments specialist

for more See page 26

Camel Creek Adventure Park Meet & greet Bob & Kevin, the Minions at the park during your visit to celebrate the new movie release!

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JULY 2022

CONTENTS

32

Home & Property 2 3 6 7 8 11 12 29 40

SMITHS NEWS WEBLAND HOLIDAY PARK PLYMOUTH ESTATES MORTGAGES 4 PLYMOUTH

Knight fencing keane & parker Moorland heating BEACON ELECTRICAL

Health & Leisure 16 20 21 22 24 26 27 27

12

Property: Buying & Lettting

MURRAY VOLKSWAGEN Local Family Days out WHAT’S ON IN PLYMOUTH

Law & Finance 32 35 37

Mike Legassick H. M. WILLIAMS FAITH WILLIAMS LAW

Film Guide 14

Editors Guide on What to Watch

PLYMOUTH PAVILIONS

Pets

SAIL GP

39

30

Gables Cats & Dogs Home

Camel Creek HALO HAIRDRESSING THE BOX PLYMOUTH

Eating & Drinking 28 30 27 4

FOOD & DRINK DIRECTORY BBQ RECIPES SHAPLA BALTI CUISINE omplymouthmagazine.co.uk

20

WELCOME 24

S

JULY

ummer is in full swing and we have the Plymouth Sail Grand Prix to look forward to this month as well as a brand-new edition of OM!

We have one business profile from a brilliant local estate agent, lots of exciting articles and some delicious BBQ recipe ideas sponsored by Denhay bacon.

We spoke to Mark and Heather of Keane & Parker Estate Agent to find out more about them, their business and why their formula is so appealing to sellers and landlords. We also learn more about the current state of the property market here in the South West and why average house prices have soared.

We hear from independent financial advisor Mike LeGassick as he tells us all about savings and investments.

Thinking of going electric but have a few questions and concerns? We have a Q&A with the Murray Group where they answered all of our questions on electric vehicles.

Family days out don’t need to cost the earth or be miles away from home. We have found some of the best local attractions and activities to do as a family sponsored by Pennywell Farm, The Monster Slip & Slide and Just imagine.

16

We hope you have a lovely month!

Amy Fry

Editor - Amy Fry

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Murray Volkswagen Q&A with the Murray Group on electric vehicles

Mike LeGassick Your savings & investments specialist

See page 26

for more

Camel Creek Adventure Park Meet & greet Bob & Kevin, the Minions at the park during your visit to celebrate the new movie release!

Creative Director Myles Lockwood myles@oracle.uk.net Design Editor Amy Fry BA (Hons) editor@oracle.uk.net Accounts Emma-Jane Corry BS (Hons) emma@oracle.uk.net Sales Managers Myles Lockwood myles@oracle.uk.net Edward Warne BA (Hons) sales@oracle.uk.net Graphic Design Amy Fry BA (Hons)

HOME & PROPERTY • FOOD • EVENTS • LEISURE • PETS • LAW & FINANCE • FILMS

PUBLISHED, DESIGNED & DISTRIBUTED BY: om media group

Trade Mark and © Copyright OM Plymouth Magazine 2022.

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

LANDLORDS CHECKLIST

A useful checklist for new landlords Do you have a buy-to-let mortgage or permission from your mortgage providor to let Check you are covered for letting under your buildings and contents insurance Check EPC Register and arrange EPC if required Arrange advertising and marketing Arrange Landlord annual gas safety certificate and fit carbon monoxide alarm in each room with a gas/solid fuel burning appliance Check that your Electrical safety inspection & certificate is in date (lasts 5 years) Working chimneys assessed annually, swept and certificated (if applicable) Ensure that you have a working smoke alarm on each floor with new batteries

12% incl vat Fees *set-up £372.00 incl vat

If renting furnished, does your furniture conform to the legal fire-resistant standards?

Supply copy of the governments ‘How to rent booklet’ at the point of tenant application Send Tenant a draft copy of AST on application Tenant selection, referencing and credit checks

If you’re unhappy with your current Letting Agent or have had a sudden increase in fees, please contact us today

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Carry out compulsory right to rent checks on tenants & lodgers aged over 18

For the full ‘Landlords Checklist’, head to www.plymouthestates.co.uk

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HOME & PROPERTY

Property: Buying & Letting We discuss some brilliant tips to help you when purchasing and letting property and recommend some of the best local businesses to get the job done well.

A

s many of us already know, property prices are rising and are becoming increasingly more difficult for first-time buyers to get on the property ladder. We are also seeing a surge of tenants looking for a place to rent and a decrease in rental property. To clue yourself up on what has been happening and why, head to this month’s business profile from Keane & Parker Estate Agents.

With this in mind, we wanted to take you through the process of purchasing your first or next home and how to become a Landlord if purchasing a Buy to Let property. We offer some tips and some of the best businesses to give you the best chance in purchasing and letting property in the current climate.

Securing that mortgage Whether you’re trying to get on the property ladder, already a homeowner but looking to upsize or you’re interested in an investment property and becoming a landlord. The world of mortgages can become very complex therefore it’s important to have someone you can speak to for some trusted advice.

With over 40 years of experience in the financial services industry, owner and principal advisor of Mortgages 4 Plymouth, Tricia Kennedy and her team, 8

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can help you achieve your goal. To the team at Mortgages 4 Plymouth, a client is not just another mortgage, they want to help and guide you in the best way they can. They take the time to listen to your needs and concerns to be able to provide you with the best possible service.

The pandemic hasn’t made it any easier for first-time buyers to secure a mortgage and get on the property ladder. Due to the high levels of demand for houses particularly in the South West, the government have scrapped a lot of helpful options for first-time buyers however, Lifetime ISAs, shared ownership and 5% mortgages are still available to help.

The financing of a mortgage is a case of finding and selecting the most suitable mortgage for you rather than simply accepting a lender’s offer. Excaliber Associates Ltd based

in Plympton offers mortgages that are completely tailored to you. They want to understand your mortgage needs to ensure they are giving you the best mortgage package possible.

Something to be aware of: Banks, building societies and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers.

They are not necessarily interested in your individual requirements.

Becoming a landlord Earning a little bit of extra income from your Buy to Let property is an attractive prospect. Often people jump on this opportunity with very little thought of the expenditures required to be a legal landlord. You have to have realistic expectations

HOME & PROPERTY of the profit you make whilst renting because things like repairs, EPC reports, general maintenance, gas checks and in worst cases, tenants failing to pay, can all eat into your profits.

The demand for rental property is high with tenants paying more than they would like to secure a place to live. Becoming a landlord in today’s property market is swings and roundabouts because although you may be able to get tenants quickly, there are other expenditures which could trip you up along the way.

If you’re a landlord, Plymouth Estates can help you find and reference suitable professional tenants, deal with all the paperwork, manage your property, and collect the rent for you - efficiently, reliably and professionally. They have outstanding internet exposure on major property websites including On The Market, Zoopla, Prime Location and Facebook Marketplace.

The South West is a hot spot for holiday rentals which is pushing the residential market to a point where people are having to bid higher, compromise on things or change their location. Due to the high number of holiday rental properties in the South West, the winter months become very quiet which then affects the local economy. We recommend letting your property to residence whilst the current rental market is in such high demand.

Keane & Parker, based in Plymouth, has a brilliant residential lettings service typically being luxury and modern homes across the city, waterfront and the wider area with a number of premium clients such as Urban Splash at The Royal William Yard. As well as lettings, they are also highly experienced in the sale of residential property, to learn more about the local, independent estate agent, head to their business profile in this issue.

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Maintenance & must-haves General maintenance for residential property is an expenditure that needs to be done to be able to meet specific government and health and safety requirements. Most maintenance that is dealt with early or checked regularly can prevent future issues which may become a lot more expensive in time.

The most common things that will cause blocked drains are; pouring fat down the drain, flushing baby wipes, hair clogging the drain and food scraps down the sink. When your drain becomes blocked then Drain Care South West will help you out. As well as unblocking drains, they also provide a wide range of drain care services such as drain surveys, drain repairs, drain clearance and emergency drain services. Their local team are on hand to provide you with a reliable service from start to finish with honest pricing and no hidden costs.

EPCs are a legal requirement for anybody that is going to be selling their property or is renting for domestic and commercial use. Tech Survey’s are a local, family-run company specialising in Energy Performance Certificates (EPCs) for commercial and domestic customers. They also offer a range of services for homeowners and landlords, including professional floor plans and Legionella Risk Assessments.

Most rental and commercial properties require some form of fire safety equipment as a legal requirement. If you are unsure how many or what fire extinguishers you need for your premises, just contact GP Service and they will be more than happy to advise and provide you with the fire safety equipment you need.

Having your boiler serviced regularly before the winter months roll in is a good idea to make a habit of.

Often, we realise that the boiler needs fixing too late in the year when the temperature drops and the companies are too busy to help that same day. Moorland Heating offer expert boiler repairs, boiler servicing as well as new boiler installations and plumbing works in Plymouth.

Ensuring the smoke alarms and carbon monoxide alarms are all serviced, working and fitted with new batteries before letting out your property. You will also need to arrange a landlord’s annual gas safety certificate and an Electrical safety inspection & certificate.

Plymouth Estates have a full checklist for the landlord which can be found in their advert within the Home & Property section of the magazine.

With the expert knowledge from these local businesses in the property industry, we hope your next move goes smoothly whether you’re buying your first home or becoming a landlord.

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HOME & PROPERTY able to offer a much greater and more personal approach than your traditional 9-5 business. Mark wanted to put his skills to the test, and knew he wanted to do it with Neil.

“ ” “I knew the time was right, agency was changing and I was passionate about a service focused business.” – Mark

‘Home is where the heart is’ may be an overused proverb, but it’s something that Mark Keane, Heather Porter and Becki Lewis of Keane & Parker Estate Agents know all too well. After years of working in the property industry and experiencing first-hand how a house can be far more than just bricks and mortar, their ethos and values in how to run an estate agency business are solely built around the need to support the people involved in the process, instead of just focusing on the transaction.

T

ogether, they have a profound knowledge of the industry and an experience combined of over 75 years, this Plymouth-based estate agency is quietly establishing itself as the name to trust in the property sector. With Becki currently nearing the end of maternity leave, we took the opportunity to speak to Mark & Heather to find out more about them, their business, and why their formula is so appealing to sellers and landlords.

Mark began his working days on the M&S shopfloor in Plymouth, a place where he believes he learnt his core values in customer care. After a few years on the shop floor and a ninemonth trip to Australia under his belt, he wanted to move away from retail, and in 1999 he was offered a job at Constables Estate Agents on North Hill in Plymouth. It didn’t take long for him to realise that with his combined customer care background and a keen interest in property, estate agency was an industry which provided huge opportunity in which to build his career.

estate agency which operated across Plymouth and the Tamar Valley. Little known to him at the time, this would be where he met his now described ‘Keane & Parker’ family, being Neil Parker, Heather & Becki.

Working in independent estate agency was different, Mark found his individual flare and desire to focus solely on the customer and their journey was taken far more seriously.

He enjoyed the process of helping people move and seeing their next chapter unfold, which was most rewarding. During his time there, Mark became a Director of their New Homes Department and expanded the business into the South Hams where he sold luxury waterside and country homes.

Mark had employed Neil Parker during this time, and they became a brilliant team and good friends. They both recognised that estate agency was evolving, and that you were

During the next 6 years, Mark worked hard to learn as much as he could about the various ways in which a property can be marketed, sold and transacted. With a handful of stints appearing on BBC Homes Under the Hammer, managing two offices for another corporate firm within the city, and being integral in advising many developers in Plymouth on new build schemes, Mark was a genuine asset to those who wanted good honest advice on all property matters. It didn’t take long for him to be noticed, and he was offered a senior role in a large and much respected independent 12

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Mark, Heather & Becki

In 2017, Keane & Parker was born.

They set the company up with a mission for it to be a customer caredriven business. The first 6 months are challenging for any estate agent start-up as it usually takes around 6 months to see any income, but Mark had an excellent reputation and was well respected amongst his peers, it didn’t take long for the business to evolve with Neil at his side.

By complete coincidence, Heather also began her career in property at the same Constables office as Mark on North Hill in 1988. Since then, her roles have varied within the industry from valuing property, company administration and managing sales through to completion.

During her career, Heather took an opportunity to work within a local law firm within their conveyancing department. This gave her valuable insight into the legal practice and a far better understanding of the process, which is now key to her role in supporting their clients through the sale, which is often a most demanding and stressful period for anyone buying and selling. It was in 2006 that she then joined the same company as Mark, and they became firm friends and colleagues.

It was a natural step that when Mark & Neil wanted to bring someone in to support them, that Heather was their

HOME & PROPERTY first choice, and she joined the Keane & Parker family in late 2017. In 2020 Neil decided it was his time to retire, having had a career of over 40 years in the business and being there to support Mark on his journey, Neil knew the company was being left in good hands.

By complete fate, Mark saw the opportunity to bring another former colleague Becki Lewis, into the ‘family’ and the perfect time to embark on expanding the business into residential lettings. Becki had been busy working in the lettings sector for the past 10 years and was looking for an opportunity to work alongside people she trusted. Becki knew instantly that she could grow her portfolio of rental property within the safety of a strong team and with people that knew the business. In a short space of time, Becki has created a portfolio of over 50 managed properties, typically being luxury and modern homes across the city, waterfront, and the wider area with a number of premium clients such as Urban Splash at The Royal William Yard.

All of their properties are marketed across the nation’s most popular websites such as Rightmove, Zoopla and Primelocation. They cover a wide area extending across Plymouth and into the South Hams and Tamar Valley, and you can arrange a free market appraisal for Mark to visit your property with no obligation.

We asked Mark & Currently available in Mannamead with Keane & Parker Heather what the current market was like, and what enjoy the outdoor life more. The West changes they might foresee in the Country has also been a haven for future; We know the property market those looking to retire and second is currently experiencing major shifts homeowners, so with this combined with increasing values and diminished with local demand, there is complete stock levels. Whilst this has been good reason as to why there has been such for sellers obtaining high sale prices, a strong demand on property stock. it has been very difficult for buyers and renters all fighting over a smaller “We meet home movers from number of available homes. It has also led to more owners deciding against all over the country, but there selling after agreeing a sale, as they has definitely been a greater themselves have struggled to secure a mix of people relocating in the new property to purchase.

“ ” “ “ “ ” ” ” “ ” Keane & Parker think of their business as ‘Plymouth’s friendliest agent’, with their constant flow of excellent customer satisfaction and feedback for being, approachable, empathetic, knowledgeable, and hassle-free.

“Most of our clients are recommended to us by previous home movers, which is really heart-warming’.” – Mark

When selling or letting a home via Keane & Parker, no matter the value, you are assured of the same exemplary service. They are passionate about attention to detail and offer bespoke marketing and tailored services to their clients. Every bit of extra detail is attended to.

Mark said ‘any agent can take a few photos and list a property on Rightmove, but our job is so much more than that, we are there from the start to the very finish, and sometimes that can be a stressful time and we need to support those involved’.

last 12 months” - Heather

Mark also said ‘we have experienced some highly competitive listings, and we often have to ask for all parties to make their best & final offers, it is always a delicate process and emotions run high at these times’.

The average house price has risen 9.8% from March 2021 to March 2022 and currently stands at £278,000 for the UK. This value increase is forcing people to compromise more on things like spare bedrooms, garages, parking and of course, location.

The property market is especially strong in the Southwest, the pandemic created an opportunity for traditional city dwellers to perhaps reconsider where they could live if commuting was no longer required and technology allowed them to work from home. This realisation has driven a desire for a change of lifestyle, and homeowners and tenants have both sought a more idyllic setting in which to perhaps start a family or simply

Either way, the property market appears to reflect the mood and strength of our economy,

Mark added ‘Having worked through both very good and very challenging times in the last 23 years or so, it’s important to remember that we are all just people looking for somewhere to live, property prices may change, but the value to the person in finding the right home for them and their family will always be paramount’.

With Mark’s knowledge, Heather’s down-to-earth approach and Becki’s expertise in lettings, you can always trust Keane & Parker to guide you through the process. They offer free market appraisals with no obligation, so we invite you to contact them and find out more about their services in the details listed below.

www.keaneandparker.co.uk Sales & Lettings call: 01752 922001

Send them an email: hello@keaneandparker.co.uk

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FILM GUIDE

the sea beast

Starring - Karl Urban, Dan Stevens, Jared Harris

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

In an era when terrifying beasts roamed the seas, monster hunters were celebrated heroes and none were more beloved than the great Jacob Holland. But when young Maisie Brumble stows away on his fabled ship, he’s saddled with an unexpected ally. Together they embark on an epic journey into uncharted waters and make history.

Released: July 8th

Paws of Fury:

The Legend of Hank

Starring - Michelle Yeoh, Ricky Gervais, Samuel L. Jackson

A hard-on-his-luck hound Hank (Michael Cera) finds himself in a town full of cats who need a hero to defend them from a ruthless villain’s evil plot to wipe their village off the map. With help from a reluctant teacher to train him, our underdog must assume the role of town samurai and team up with the villagers to save the day. The only problem... cats hate dogs.

Released: July 15th

Minions: The Rise of gru Starring - Steve Carell, Pierre Coffin, Taraji P. Henson

In the heart of the 1970s, amidst a flurry of feathered hair and flared jeans, Gru is growing up in the suburbs. A fanboy of a supervillain supergroup, Gru hatches a plan to become evil enough to join them. Together, Kevin, Stuart, Bob, and Otto deploy their skills as they and Gru build their first lair, experiment with their first weapons, and pull off their first missions.

Released: July 1st

Thor: Love and Thunder

BEZOS

Starring - Natalie Portman, Chris Hemsworth, Taika Waititi

Starring - Armando Gutierrez, Kevin Sorbo, Sasha Andreev

Thor’s retirement is interrupted by a galactic killer known as Gorr the God Butcher, who seeks the extinction of the gods. To combat the threat, Thor enlists the help of King Valkyrie, Korg and ex-girlfriend Jane Foster, who - to Thor’s surprise - inexplicably wields his magical hammer, Mjolnir, as the Mighty Thor. Together, they embark upon a harrowing cosmic adventure to uncover the mystery.

Released: July 8th 14

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Uncover the story behind Jeff Bezos. Bezos chronicles the true-life story of Jeff Bezos-a humble yet awkward entrepreneur on his mission to create Amazon, the world’s largest e-commerce company, and turning himself into the richest man in the world. We see the early conflicts and struggles, as Jeff and his partner, MacKenzie, persevere on their quest to change the world.

Released: July 12th

FILM GUIDE

UNCOUPLED

Persuasion

Starring - Neil Patrick Harris, Tricia Campbell

Voiced by - Dakota Johnson, Henry Golding, Richard Grant

From the creator of Emily in Paris and Sex and the City, and the executive producer of Modern Family comes a new Netflix comedy starring Neil Patrick Harris. Michael, who thought his life was perfect until his husband blindsided him by walking out after 17 years. Michael has to confront two nightmares - losing his soulmate and suddenly finding himself a single gay man in his mid-40s.

Released: July 29th

DC LEAGUE OF SUPER-PETS Starring - Dwayne Johnson, Kevin Hart, Vanessa Bayer

Living with her snobby family on the brink of bankruptcy, Anne Elliot is an unconforming woman with modern sensibilities. When Fredrick Wentworth the dashing one she once sent away crashes back into her life, Anne must choose between putting the past behind her or listening to her heart when it comes to second chances.

Released: July 15th

Hello, Goodbye, and Everything In Between

Starring - Talia Ryder, Jordan Fisher

When the Justice League are captured by Lex Luthor, Superman’s dog, Krypto, forms a team of shelter-pets who were given super-powers: A hound named Ace, who becomes super-strong, a pig named PB, who can grow to giant-size, a turtle named Merton, who becomes super-fast, and a squirrel named Chip, who gains electric-powers.

Acquired earlier this year from ACE Entertainment, this new romantic drama movie adapts the Jennifer E. Smith novel with Talia Ryder and Jordan Fisher starring. Claire and Aidan make a pact to break up before college with no regrets and no broken hearts. However, one epic goodbye date may offer them a last chance at love.

Released: July 29th

Released: July 6th

queen of glory

The Gray man

Starring - Nana Mensah, Ward Horton, Meeko

Starring - Ana de Armas, Chris Evans, Ryan Gosling

‘Queen of Glory’ is the story of Sarah Obeng, the brilliant child of Ghanaian immigrants, who is quitting her Ivy League PhD program to follow her married lover to Ohio. When her mother dies suddenly, she bequeaths her daughter a Christian bookstore in the Pelham Parkway section of the Bronx where Sarah was raised. A follow-up on the classic immigrant’s tale, Queen of Glory.

Released: July 15th

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Court Gentry aka, Sierra Six a highly skilled former CIA Operative, was once the agency’s best merchant of death. After his escape from prison, and recruitment by former handler Donald Fitzroy, Gentry is now on the run from the CIA with agent Lloyd Hansen hot on his trail.

Aided by Agent Dani Miranda, Hansen will stop at nothing to bring Gentry down.

Released: July 22nd

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Q &A

Driving The Electric Way

We interviewed The Murray Group (Plymouth) to clear up any myths you may have heard about electric cars and find out the benefits of owning an electric car in Plymouth.

There has been some general concern in the press regarding the residual values of electrical vehicles in around 3-5 years becoming very low, less than say the residual of a standard vehicle due to the longevity of battery cells, what’s your take on this?

There is absolutely no denying that electrification is the future of driving and as a result of this, the industry has seen an exponential advancement in the technology involved in producing EVs in recent years. Manufacturers are wholly committed to pushing the boundaries of EV performance and capability and as such, there should be little reason to worry about the residual value dropping. In fact, as the motoring infrastructure moves more towards accommodating EVs and away from ICE vehicles, it is predicted that standard petrol and diesel cars will see a significant decline in residual value. On average an EV battery will decrease by a maximum of 2.3% capacity per year, giving an estimated lifespan of around 200,000 miles to most electric cars. In comparison, the average lifetime mileage of a standard ICE vehicle is just 133,000 miles.

Statistics show that after 3 years, an EV will retain 48.9% of it’s value whereas a petrol or diesel one will retain 40%. In addition to this, the batteries used to power EVs serve a sustainable purpose after leaving the car. Whilst they may no longer have enough oomph to power a car, they remain strong 16

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enough to be paired with solar energy and serve as a secondary source of energy for your home.

One of the reasons people tend to hold off buying electrical vehicles is because they don’t want to be sat in a charging station every 150 miles, in your range of EV vehicles what is the furthest distance these vehicles can travel on one charge?

Again, technology is advancing at a rate which means that ‘range anxiety’ is becoming much less of a concern for EV drivers. Range varies from model to model and brands are continually striving to increase this.

As a rough guide, the Volkswagen ID-3 boasts acclaimed range of 336 miles. With the multi award winning Hyundai Ioniq 5 and Kia EV6 claiming 320 and 328 miles respectively. MG’s ZS EV can run for around 273 miles on a single charge and the Skoda Enyaq approximately 252.

Where can people find charge Points in Plymouth and how much does it cost?

Charging your electric vehicle in Plymouth is much easier than you might imagine. There are several Pay As You Go charging points operated

by Swarco and Pod Point around the city. Most of these are 7kWh chargers but there are some 22kWh points too. Additional charge points can be found at most health care and Livewell sites. Plymouth is also taking part in the Clean Streets scheme, with pop up chargers being installed in several locations. Apps such as Zap Maps enables drivers to locate their nearest charge point around the city. Charging prices range from 25-30p per kWh although some may also require a connection fee, which is usually in the region of £1.

What are the governments doing to increase charge points in the UK and what’s the time span?

The government have pledged to install 300,000 charging points across the UK by 2030. They have set aside a £450 million fund to support Local Authorities in increasing their provision of EV charging points. Alongside this, there is an additional £950 million Rapid Charging fund to aid the aim to install 6,000 rapid chargers across the UK’s motorway network – which is 5 times the number of fuel pumps currently available in UK filling stations.

HEALTH & LEISURE How long does an average EV take to charge fully?

Charging speeds are increasing all the time and depend on the charger you are using. For example, a VW E Up! Can charge to 80% capacity in around 4 hours using a standard 7kW charger. An MG ZS will take around 8 hours with a 7kWh charge point but is capable of charging to 80% in just 54 minutes, using a 50kWh charger. The steady introduction of public rapid chargers is revolutionising the speed of charging your EV with the Skoda Enyaq capable of charging to 80% in as little as 36 minutes. Similarly, the Ioniq 5 takes just 18 minutes to reach 80% capacity with a 350kWh charger and a mere 5 minutes of charge time will give you 100km range in the same vehicle. As a rule of thumb, you can calculate charging times with the following equation: Battery Size (kWh) / Charger Power (kw) = Charge Time

Are there any government incentives to install charge points in a home or property?

The government have recently replaced the EV Home Charge Scheme with the EV Charge Point Grant. This is available to all domestic properties and owners can claim up to 75% off (with a cap of £500

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including VAT) total capital costs of charge point installation and costs.

What are the Savings of running an EV?

When taking into account differences in fuel, tax and insurance the cost of running an EV is falling whereas the cost of running an ICE vehicle is on the rise. On average, EV drivers can expect to run their vehicle for £579 less per year than if they were driving a standard combustion engine one. This can be roughly broken down in the following way: Yearly cost Insurance Fuel VED MOT Total per year:

Electric Vehicle £690 £519 £0 £55 £1264

ICE Vehicle £689 £943 £165 £55 £1843

How Often do I need to service an EV and Where do I take it?

Advice can vary from manufacturer to manufacturer, so it’s best practice to consult your owner’s manual to be certain. An electric vehicle has fewer moving parts, so in theory there is less to service and on average you can expect to have your EV serviced every 2 years as opposed to the traditional yearly intervals. It is always advisable to get your vehicle serviced at an

authorised main dealer, who are fully equipped to address any potential issues.

What’s the Lifespan of a new EV?

Contrary to the popular belief that an electric battery will just ‘stop working’ at some point, similar to that of a smart phone, it will simply reduce in capacity over time. Once again, the exact lifespan depends on how you treat your vehicle but owners of a new EV can expect it to last for between 10 and 20 years currently.

When are Manufacturers looking to change to just EV and what will the future hold?

With the government pledge to stop the manufacture of new ICE vehicles by 2030, most brands have set their own goals for EV production.

Volkswagen have pledged to be 70% EV by 2030. Kia have rolled out their EV offering to wide acclaim, with the EV6 winning Car of the Year in What Car’s 2022 Awards and a total of 7 EVs in the offing by 2027. Hyundai has lofty ambitions to become the world’s third largest EV maker by 2025 and they are well on the way with 17 new models delivered or in the pipeline.

MG are fast building a reputation for creating stylish and capable cars that deliver.

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17

HOME & PROPERTY

Electric Vehicle Charging Points (OZEV Grants) Electrical Testing & Inspection

Lighting Design & Installations

Distribution Board/Consumer Unit Upgrades Emergency Light Testing

Fire Alarm Testing & Maintenance

Access Control Systems

Cat 5e Data Cabling

Fibre Optic Cabling

Emergency Call Outs

Call now: 01752 330 400 Visit: www.ssielectrical.com Email: sales@ssielectrical.com Suite 3a (Ground Floor Unit A2), 13 Barn Close, Langage Business Park, Plymouth PL7 5HQ

Ltd

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• Landlord Certificates & Boiler Servicing • Full Central Heating Systems Installed • System Upgrades / Renewable Energies • Bathroom / Wetroom Design & Fit Service • Boiler Installations, Repairs & Diagnostics • All Plumbing, Heating, LPG, Gas & Oil Works Undertaken • Vented & Unvented Cylinders Repaired & Installed • Free Written Quotation - No Obligation! t: 01752 214929 m: 07813 746 786 e: info@ads-gas.co.uk

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SPECIAL RATES FOR OAP’S CREDIT OPTIONS AVAILABLE | CARD PAYMENTS ACCEPTED

HEALTH & LEISURE

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19

Local Family Days out

We are fortunate to have a whole host of family friendly activities to do in Devon & Cornwall. From water sports, farm attractions to museums and indoor play areas.

Here are just a few brilliant ideas all local to Plymouth…

Available to hire for private/group events and parties.

Pennywell Farm

Summer In Full Swing On The Farm

Just Imagine

It’s a fantastic time of year at Pennywell Farm with bumper summer fun every day of the school holidays.

There is no excuse for boredom with a full day of animal activities, rides, shows and displays there’s something to keep the whole family happy at Devon’s award-winning farm.

Begin your day with some piggy cuddles, milk a goat, feed the lambs, pamper a pony and cheer on your favourite racing pig, and that’s all before midday!

Pennywell is open 7 days a week, tickets must be booked online and in advance at www.pennywellfarm.co.uk.

Let your little ones explore, imagine and develop in a safe space.

The Monster Slip & Slide Release your Monster! (Open from 16th of July 2022)

Launch yourself off their Monster ramp and fly down their 360ft long slide.

Based near Widemouth Bay, Bude, The Monster Slip and Slide is a great activity for almost anyone! The price includes 1 hour use of the Slip and Slide with free inflatable rings and bodyboards to use. Wetsuit hire, food and drink is also available.

Only £12.50pp – All ages welcome.

Just Imagine is the Plymouth’s number 1 soft play area for Imaginative play. Just Imagine gives kids access to a whole range of worlds where they can take on any role they want. From the sky to the sea, a science lab to the supermarket, kids can use their imaginations to be whoever they want to be with a whole range of environments to choose from. They also have a sensory room.

Let the South West be your playground this summer!

COMING THIS SUMMER… Every kid’s (and big kid’s) dream!!!

A Slide... but not just any slide...

A Slip and Slide!

In fact a 360 feet long, four lane Monster of a slide!

Release your Monster and BOOK your summer fun NOW! www.monsterslipandslide.com

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ga n u ab !!!

KawBude

Number 1 Imaginative play cafe in Plymouth

● Creative Activities ● Imaginative Play ● Soft Play & Sensory ● Pirate Ship Free drink token for parents who book in advance!

Book Now! 01752 787 585

www.justimagineplymouth.co.uk

What’s On GREAT BRITAIN SAIL GP PLYMOUTH

July 2022

South Devon

PALOMA FAITH

ICE-CREAM & BUBBLES FESTIVAL

Plymouth Sound, Plymouth 30th - 31st July

Central Park, Plymouth Saturday 9th July

Mount Edgcumbe Country Park 23rd - 24th July

The Sail GP is coming to Plymouth for the second running this July. The thrilling racing across the water will see ten international teams compete: Canada and Switzerland are new additions, joining the existing teams. Watch the excitment from the Hoe.

Catch Paloma Faith fill Central Park with her double platinum, BRIT awardwinning voice. Paloma Faith has embarked on a huge UK summer tour including Central Park, Plymouth. Watch her perform some of her best songs such as ‘Only love can hurt like this.’

The ultimate festival for ice-cream lovers in the South West on national ice-cream day! Indulge in a huge selection of ice-creams as well as a host of entertainment.

National Marine Park Big Blue Splash

early careers fair

Plymouth Sound, Plymouth 23rd - 24th July On the 23rd and 24th of July, the Plymouth Sound will be offering a weekend of FREE activities for all to enjoy! Perhaps you have always wanted to try paddleboarding or learn how to sail, there is something for everyone!

Plymouth Argyle FC Saturday 9th July This is a fantastic event for anyone looking to gain an apprenticeship or job in Plymouth’s contruction and built environment, manufacturing and engineering sectors. This event gives local employers to meet with prospective employees and future apprentices.

EGGBUCKLAND COMMUNITY FESTIVAL

TRY YOUR HAND AT A WATER ACTIVITY

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‘As You Like It’ Outdoor Theatre Pentillie Castle & Estate, St Mellion Wednesday 20th July The gardens of Pentillie Castle form the open-air stage of William Shakespeare’s sparking comedy this summer. Pentillie Castle invite you to lay down a rug, admire the view overlooking the River Tamar and enjoy those extra hours of sunshine at this family friendly event.

Adult: £18 Child: £10 (under 12) Family: £50 (2 adults, 2 children) ST LUKE’S MIDNIGHT WALK

Frogmore Field, Eggbuckland Saturday 16th July

Home Park Stadium, Plymouth Sunday 26th June

The Eggbuckland Community Festival will have entertainment running throughout the day with singers/bands, dogshows, over 40 shopping stalls, a licenced bar, bouncy castles and so much more. Entry is FREE for all.

This year, the iconic Midnight Walk is more special than ever! Join St Luke’s in marking 40 years since they welcomed their first patients. They have added a 2.5 mile route ideal for young children.

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HEALTH & LEISURE

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HEALTH & LEISURE

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HEALTH & LEISURE

Sail GP Plymouth

The most exciting racing on-water as SailGP returns to Plymouth – Britain’s Ocean City – for the Great Britain Sail Grand Prix on July 30-31.

O

n the southwest coast of England, in an area famed for its rich maritime history and the natural amphitheater of Plymouth Sound, ten competing nations will race it out in identical fast foiling F50 catamarans reaching speeds exceeding 60mph.

This is the third event in the global championship’s calendar, following opening events in Bermuda and Chicago. After an extremely successful Season 2 event, the Grand Prix will once again be held in partnership with Plymouth City Council. Last year the event drew an estimated 27,500 spectators and brought in a $9.5 million boost to the local economy. The event also won the gold award in the Devon Tourism Awards, for Tourism Event/ Festival of the Year.

In addition to having two action-filled race days, SailGP’s Inspire program aims to give area residents and its youth an exciting agenda to use the power of sport for good while developing sailing as a sustainable sport.

In 2021, SailGP partnered with Plymouth based Ocean Conservation Trust to connect sport and conservation, with a programme of free engagement and educational opportunities, a mammal protection plan for the racing weekend and the restoration of seagrass 24

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meadows in Plymouth Sound National Marine Park.

For 2022 – alongside continuing this important conservation and development work aligned to the National Marine Park – the city will also sign the league’s Climate Action Charter, committing to local impact projects that focus on clean energy impact and wider ocean conservation.

Fans in Plymouth will be able to witness some of the most incredible on-water racing scenes and get up close to an impressive line-up of world-class athletes and top sailing nations.

The lineup for SailGP has expanded for this season, with Canada and Switzerland joining defending Season 2 Champions, Tom Slingsby’s Australia, home favorites Sir Ben Ainslie’s Great Britain, Denmark, France, Japan, Spain, New Zealand and the United States.

Absent from SailGP’s Plymouth debut in Season 2, Ainslie will be back in the driving seat in

Plymouth and looking to give home fans something to cheer about – aiming for his first victory on home soil.

“

Ainslie said: “Last year’s event was fantastic, delivering on all fronts with close racing, perfect weather, big spectator numbers and even a whale!

HEALTH & LEISURE “It will be great that now COVID restrictions are lifted even more fans can visit and watch the action from Plymouth Hoe, with its natural amphitheater providing one of the best viewing areas for any sailing event in the world.

“For our home event we also have exciting plans with our new charity partner ‘Protect our future’ to showcase Plymouth’s brilliant environmental credentials with the aim to help empower young people in the City with scientific knowledge to combat climate change.

“From a personal point of view, this will be the first time I have competed on home waters for nearly six years and there is nothing quite like it, we can’t wait”

”

Waterfront Access

Plymouth Hoe provides a spectacular viewpoint in which to immerse yourself in all the adrenaline-fuelled action, as the foiling catamarans race right before your eyes within the natural amphitheater of Plymouth Sound.

Access to the official spectator area includes live race commentary, the chance to visit the official merchandise shop, a selection of refreshment stands, and a view of the main stage which will feature regular athlete appearances.

Waterfront Premium

Waterfront Premium is an exclusive section of the official spectator area.

Here you can enjoy complimentary beverages from one of our event partners, select from a variety of premium dining options, relax on comfy seating and have access to luxury toilets. You’ll also be able to hear live race commentary while you watch the action-packed racing on big screens.. With fantastic views across Plymouth Sound, you can rest assured there is no better location on land from which to watch the racing.

On-Water

SailGP has partnered with Plymouth Boat Trips to provide the official On-Water fan experience for the Great Britain Sail Grand Prix hosted in Plymouth – Britain’s Ocean City.

Official spectator boats will offer the closest vantage point to the racing and allow fans an unrivaled view of the world-class athletes and supercharged F50 catamarans as they compete at electrifying speeds across Plymouth Sound. Departing Commercial Wharf, Plymouth, two types of ticket options are available, Access and Premium - the latter providing fans with food and beverages. All tickets are climate positive with SailGP offsetting the carbon impact of the fans footprint on race days.

To find out more information or to book your tickets head to:

www.sailgp.com

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HEALTH & LEISURE

Meet & Greet The

Join the fun at Camel Creek this July!

C

amel Creek invites you meet and greet Bob & Kevin from The Minions at the park this summer! The two special guests will be walking around the park to celebrate the release of their new movie: Minions: The Rise of Gru.

George and Titan the Robot are just a few to look out for in the coming months.

Camel Creek Adventure Park is a vibrant and exciting visitor destination with a number of different rides for a variety of different ages and abilities.

For the little ones, head to Creeky’s Playhouse Soft Play & Restaurant and let them have some fun whilst you can rest assured they are safe.

As well as the thrilling rides, you can also pet some furry and scaley animals in Creature Creek. Head to Shire Stables and see some horses or get face-to-face with a meerkat at the Meerkat Enclosure.

The park also offers the opportunity to meet some characters both local to the area and some a little more famous! The Minions, Peppa Pig &

Be sure to have a picture taken with them and share it with Camel Creek on social media.

With a range of different eateries and sweet treats to enjoy, you won’t be going home hungry!

No day out is complete without a visit to the gift shop. Look out for Swampy,

Dina and Creeky as little plush toys to take home with you and remind yourself of the fun at Camel Creek.

The Park is an all-weathers attraction open all year round, with annual activities reflecting the seasons.

“

Fun for the whole family!

”

Prices start from £13.95, with free entry for children under 92cm and carers. Please check the website for seasonal prices.

Open daily 10 am-5 pm

01841 540276 hello@camelcreek.co.uk www.camelcreek.co.uk Tredinnick, Wadebridge Cornwall PL27 7RA

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HEALTH & LEISURE

Ladies, Gents & Children’s Hair Salon

• Only Professional Products used • Warm and Friendly Atmosphere • Experienced Stylists

Find us in Crownhill

We look forward to welcoming new and existing clients! www.halo-hairdressing.co.uk 01752 303155 Subscribe to our e-newsletter for exclusive discounts Visit us at: 38 Morshead Road, Crownhill, Plymouth, PL6 5AH

Summer Holiday Hair

30% OFF

Childrens hair up to age of 12 in July & August

Please bring voucher with you and produce when paying. Valid till 31st August 2022 *T&C’s apply. Not including products or any other offer. Discounts on full price list rates. One voucher per client, per visit / appointment. Vouchers canot be exchanged for cash. Subject to availability. Not valid in the month of December. Halo Hairdressing reserves the right to discontinue a voucher at any time or to modify.

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EATING & DRINKING

FOOD & DRINK Proudly Local Directory

sponsored by moorland heating

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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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 Las Iguanas

5 St Andrews Cross, Plymouth 56-58 Notte St, Plymouth 11 Bretonside, Plymouth

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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

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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 Melville, Royal William Yard

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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 Darklake Lane, Plymouth 2 Haye Road South, Elburton 117 Beaumont Rd, Plymouth

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FISH AND SEAFOOD RESTAURANTS The Harbour Rockfish Seafood & Pasta Bar The Village Restaurant Harbourside The Boathouse Plym Fish Bar Kingfisher Atlantic Fryers Platters Fishbone Restaurant Pier Masters house The Hook & Line

21 Sutton Harbour, Plymouth 3 Sutton Harbour, Plymouth 10 Quay Rd, Plymouth 32 Southside St, Plymouth 35 Southside St, Plymouth 2-4 Commercial Wharf, Plymouth 11 St Stephen Rd, Plymouth 6 Glen Rd, Plymouth 58 Faringdon Rd, Plymouth 12 The Barbican, Plymouth 1 William Prance Rd, Plymouth 12-13 Madeira Rd, Plymouth Royal William Yard, Plymouth

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 Hub Box

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

PLEASE CALL IN ADVANCE TO CHECK ON OPENING TIMES AND RESERVATIONS

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EATING & DRINKING

Proud sponsors of the Drinking & Dining Local Directory

01752 338810

info@moorlandheating.co.uk www.moorlandheating.co.uk Unit 8 Joshua Park Bell Close Plympton Plymouth PL7 4FF

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EATING & DRINKING

BBQ

RECIPES It’s National BBQ week from the 4th - 10th of July therefore we have gathered together the best BBQ recipes for you to enjoy.

Sponsored by Denhay.

The Ultimate Bacon Double Cheeseburger Makes - 2

Ingredients • 2 Brioche buns Burger seasoning • 500 g 20% fat minced beef • 1 Egg • ½ tsp Black pepper • ½ tsp Ground cayenne pepper • 1 tsp Salt • 1 tsp Smoked Paprika Other ingredients • 4 Rashes of Denhay smoked bacon (Sold in Waitrose & Sainsbury’s) • 4 Cheese squares • 1/2 Shallot • 1 Large pickled gherkin • 2 tbsp Mayonnaise • 1 tbsp Tomato ketchup • ½ tsp vegetable oil • ½ White Onion • 1 Tomato • Handful of salad leaves

1 2

In a bowl, mix together the minced beef and egg with all the seasonings.

Handle the mince with care as over mixing the mince can cause the meat to go tough. Place the mince in a circular ring mould, there is enough mixture for 4 x 125g burger and place in the fridge for 20 minutes to set. Meanwhile to make the burger sauce, mix the tomato ketchup, mayonnaise with the pickled gherkin and shallot which have both been diced finely.

Remove the burgers from the fridge. You can either cook the burger in a frying pan or straight on the BBQ. Slice the onion into strips and cook in a frying pan or wrapped in foil on the BBQ until they soften fully and caramelised. While cooking the burgers, cook the bacon to a crispychewy texture.

3 4

This recipe works perfectly with Denhay Smoked Back Bacon

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If cooking the burger in the grill place the cheese on top and turn the grill off allowing the cheese to melt in the residual heat. If cooking in a frying pan place a lid over the top.

Slice the brioche buns in half and toast to prevent the burger sauce from making the bun wet.

Assemble the burger with sauce on the top and bottom with two cheeseburger patties, 2 rashes of smoked bacon, caramalised onions, sliced tomato and salad leaves.

EATING & DRINKING

Sticky Barbecue Chicken Serves - 4-6

Ingredients

• 4 chicken thighs and 4 chicken drumsticks, skin on For the barbecue sauce • 1 tbsp soy sauce • 1 tbsp cider vinegar • 4 tbsp light brown soft sugar • 4 tbsp tomato ketchup • 75ml apple juice • 1 tbsp Dijon mustard

1 2 3

Heat oven to 180C/160C fan/gas 4. Put the chicken in a roasting tin, season well and cook for 40 mins or until cooked through. Either carry on with the recipe or cool and chill. This step can be done up to two days ahead.

Put the sauce ingredients in a pan and bring to a simmer, then keep cooking until it thickens a little and looks shiny. Use straight away or cool and chill. The sauce will keep for a week in the fridge.

Barbecue Sesame Sweet Potatoes Serves - 6

Ingredients • • • • • • • • • • •

Heat a barbecue until the coals are glowing white hot. Brush the chicken pieces all over with the sauce and barbecue them on each side until they are browned and sticky, then brush once more with the sauce. Don’t worry about cooking them through, as they are already cooked. If you want to cook them indoors, coat them in the sauce and grill on a medium heat on all sides.

6 sweet potatoes , washed and cut into wedges 3 tbsp vegetable oil 1 tsp toasted sesame oil 1 tbsp ginger , chopped 1 garlic clove , chopped 3 tbsp soy sauce 1 lime , juiced 1 tbsp sesame seeds (black if you have them) 50g plain peanuts , crushed 1 green chilli , sliced ½ bunch of spring onions , washed and chopped

1

Light a lidded barbecue. Let the flames die down and the coals turn ashen, then mound the coal up on one side or heat an oven to 180C/160C fan/gas 4. Arrange the sweet potatoes on a large tray and drizzle with 1 tbsp of the vegetable oil, season and toss. Cook on the barbecue or in the oven for 25 mins until charred and softened.

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2

Meanwhile, whisk the remaining oils, ginger, garlic, soy and lime juice. Baste the potatoes with some of the sauce and return to the barbecue for another 30-40 mins, basting as they cook. Once the potatoes are glazed and sticky, remove and sprinkle on the sesame seeds and peanuts, and leave to cool slightly.

Remove the wedges from the tray and pop into a salad bowl. Sprinkle over the chilli and spring onions and serve.

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LAW & FINANCE

Mike LeGassick Savings & Investments Mikes relationship with the finance profession goes hand in hand, except for the complex jargon that tags along with it. He believes there are ways to explain complicated matters that just instantly make sense and he proves this daily with his clients and did this with myself, the Editor and Myles, the managing director at our interview with him. To be able to understand how people think and creatively phrase the question or explanation has been mastered by Mike through his 30+ years as an adviser and his 10 years studying investor behavioural psychology. As he felt the profession needed some simplicity, Mike decided to write his book called ‘Your Money and Your Life.’

M

ikes relationship with the finance profession goes hand in hand, except for the complex jargon that tags along with it. He believes there are ways to explain complicated matters that just instantly make sense and he proves this daily with his clients and did this with myself, the Editor and Myles, the managing director at our interview with him. To be able to understand how people think and creatively phrase the question or explanation has been mastered by Mike through his 30+ years as an adviser and his 10 years studying investor behavioural psychology. As he felt the profession needed some simplicity, Mike decided to write his book called ‘Your Money and Your Life.’

The book is composed of two sections.

Half is largely about life lessons, and it is important to note, this book is not only about money but also about life choices too. Chapters include Planning for the life you choose, the mistakes we make with our money and how to avoid them, wishes won’t bring riches, and how not to be a workplace prisoner. The other half of the book is focused on how to be a better investor by avoiding the mistakes the vast majority of investors make.

Flowing through the whole book is an underlying theme of ‘Life is not a rehearsal’ which is something Mike believes very strongly in.

Mike has also designed a website to educate his clients and readers to keep them on the right track when it comes to their finances and mindset.

The website, www.saverbehaviour. co.uk is like a Martin Lewis type website but exclusively around how to become 32

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a better investor. It is an educational tool, full of bite-sized information and easy to understand explainer video content to educate yourself around money and investing. Amongst some fantastic tools embedded into the website is a calculator which shows historically how much you would have amassed if you began investing just £1 a day in the stock market from the day you were born. We were both shocked when we did this for ourselves. We weren’t even close to guessing how much our investment would have grown too!

The book and the website are not just about money, they are about changing your perspective on things.

Mike has done this in a way that is thought-provoking, creative and motivational, highlighting all of the common financial ‘blind spots’ that we make daily without being aware of them. However, reading is one thing, but doing is quite another. If you don’t push yourself, nobody will do it for you.

This is where the psychological aspects come into play. Mike will run through

scenarios that help you to see things from a different perspective and in turn, reveal a more capable version of yourself and how to be successful.

We can honestly say that we have never had a meeting quite like it before. Mike says the primary objective of any investment is to maintain its purchasing power so invest with prudence in mind, not performance. Anything above this should be deemed a welcome bonus. Investing wisely for your or for your children’s future can be done safely with the help and guidance of Mike. Your retirement funds should enable you to maintain your standard of living without fear of running out of money.

As far as planning is concerned, do you know how to accurately calculate how much money you are going to need for the rest of your life so you can live an independent and dignified retirement? In other words, do you know what your number is?

Mike teaches you how and explains this in detail in his book.

He passionately believes that we should not retire from something, but to something. We need enough purpose in our lives to get up in the morning and enough money to be able to sleep at night.

Trusting the stock market with your money is something humans are not well-equipped to do. It can be daunting. Mike tells us ‘One of the biggest mistakes investors make is that they confuse volatility with permanent loss.’ These are two very different things. He then began to explain that the process of investing money into the stock market is comparable to a rollercoaster. As you strap yourself in, your mind is full of different emotions from fear to excitement and adrenalin and you experience the steep climbs and sharp drops and bends and loop the loops. This is volatility.

LAW & FINANCE When upside down midway through a loop the loop, people are screaming ‘get me out of here!’, get me off this ride! – If you had managed to get out of your seat while upside down, that would be permanent loss. You don’t. You keep going until you come through the volatility and the ride reaches the end and you get out unscathed. Markets go up and down all the time, but long-term history has proven they go up much more than down over time. History has proven that the declines are temporary, but the advances are permanent.

Explaining concepts like these to clients is key to managing their expectations.

Mike has only ever invested his clients’ money in things that have always worked. i.e., investing their money in a huge collection of thousands of the greatest business in the world. He will never invest their money in fads, flavours of the month, or things that just happen to be working now. This is not investing. This is speculating.

He prides himself on managing client expectations and being brutally honest with them. He makes it clear to his clients that their investments categorically will fall in value from time to time. Not might or could, they will. The important thing is to stick to the plan and to never be tempted to get off that ‘rollercoaster’ halfway through.

He recommends that clients take a ‘sloth-like approach’, to investing.

Looking at the value every day will not help you in any way, just let time do its thing. This way you won’t be panicking about any temporary drops in the market and therefore won’t be tempted to withdraw it at the wrong time. Imagine if house prices were reported every day on the news.

Thankfully, they aren’t so people don’t care to look.

Why Stock Markets Go Up Over the Long-Term and How the Patient Investors Benefit The long-term trend in the stock market has historically been up and to the right: The S&P 500 is the 500 largest companies in America Since 1928, the U.S. stock market (S&P 500 value) is up 9.8% per year.

I use the S&P 500 as a benchmark barometer quite simply because it represents about 65% of the global economy whereas the UK stock market is only about 5%.

Historically the market is up roughly 3 out of every 4 years. There have been no 20-year periods where the U.S. stock market has been down on a nominal basis. I’ve gone over these kinds of stats ad nauseam over the years.

But why is this the case? Why does the stock market go up over the long-term?

I know a lot of people think the US Federal Reserve controls the stock market or low interest rates or it’s the Illuminati that’s pulling the strings.

In reality, the biggest reason the stock market goes up over time is because the economy grows, and corporations become more efficient and earn more money.

Being an investor in the stock market means you get to take part in the profits and cash flows of corporations.

You get to benefit from their innovation, investment, and growth.

Let’s look at the biggest stock in the market as an example.

In its fiscal year ending 2014, Apple had sales totalling more than $182 billion with a net profit of $39.5 billion.

In the fiscal year ending 2021, Apple’s revenue was $386 billion, and the company produced net profits of $94.7 billion.

Sales more than doubled while the company’s profit was up 140%.

Meanwhile in that same time frame, Apple paid out more than $103 billion to shareholders in the form of dividends.

And Apple is not alone in paying out dividends to shareholders.

This number has gone down in recent decades with the rise in share buybacks, but the average pay-out ratio for S&P 500 corporations since 1928 is more than 50%. This means companies have paid out more than half of their profits to shareholders in the form of cold hard cash.

The market value of the entire U.S. stock market in 1982 was $1.2 trillion. Apple alone is now worth more than $2.5 trillion.

The stock market goes up over time because businesses get bigger and more profitable and earn more money over time.

Mike always works on a ‘no surprises’ policy by explaining everything important, very clearly so that the phone never rings with the dreaded, ‘You never said this could happen.’

In 1928, earnings per share for the S&P 500 was $1.11 while corporations paid out $0.78 per share in dividends. It was impossible to do so at the time, but if you could have owned an index fund that tracks the collective performance of these companies, those would have been your per share cash flows at the time.

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By the end of 2021, those numbers $197.87 and $60.40, respectively.

This means over the past 94 years, earnings on the U.S. stock market have grown at an annual rate of 6% while dividends have grown 5% per year.

If you own stocks, you earn a piece of that company, that growth.

The stock market also goes up over the long-term because sometimes it goes down in the short-term.

And if you think about it — the stock market has to go down. It wouldn’t offer such juicy returns if you didn’t

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LAW & FINANCE take a punch in the face every once and a while.

“Everyone has a plan until they get punched in the face” – Mike Tyson Ten thousand dollars invested in the U.S. stock market in 1928 would have grown to something like $66 million today. That is the staggering effect of compound interest over time for the patient investor.

But look at all the carnage along the way to get to there:

WHATEVER YOU DO, REMEMBER THIS: We are not just invested up to retirement, we remain invested up to and THROUGHOUT retirement. For most people this is 60 to 70 (working life to death) years in total. How else do you think you will get a sustainable and rising income in retirement?

INFLATION – A DEADLY ODOURLESS KILLER OF WEALTH To help me in my mission to educate you about inflation, I use the humble postage stamp to demonstrate the insidious effect inflation can and will have on the purchasing power of your cash over a typical three-decade retirement.

It’s perfect, as everyone knows: •What it does.

•What it looks like.

•It costs the same whether you’re buying it in Belgravia or Plymouth.

The 4 most dangerous words in investing are: This Time It’s Different. It never is, it just feels this way sometimes.

When you invest in the stock market you don’t simply get 8-10% year in and year out.

No, you get some combination of huge gains followed by some temporary albeit painful losses. It has to be this way, or the long-run returns wouldn’t exist. Stock markets have always behaved this way.

If it was this easy surely everyone would become an investor?

If more people were properly educated to the way stock markets work, I am sure more would look to invest over the long term. The primary objective of money is to maintain its purchasing power. Providing your money is keeping pace or outstripping inflation over the long term, it means you never suffer a drop in your standard of living.

In short, it’s ubiquitous and so an effective way of demonstrating how an easily comprehensible, everyday item increases in price over time.

And lo, just recently, Royal Mail announced an inflation-busting increase to the price of stamps! The price of a First-Class stamp rose 10p to 95p on 4th April. That’s a rise of 12%.

Suffice to say (spoiler alert), the stamp has risen in price four-fold. Over any meaningful period of time, inflation is dangerous to your real wealth. At current levels, if it persists, it will utterly destroy people’s retirement lifestyles.

If “destroy” sounds dramatic, it’s because it is. People will only realise the truth - that risk has nothing to do with temporary volatility and everything to do with the destruction of purchasing power - when it’s too late. When they go to the bank to make another withdrawal from their “safe” cash stash, to be told it’s gone, exhausted, kaput. Because everything that once cost “y” now costs “y” x 4.

w: manningandco.co.uk

34

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The fact that it’s not always easy is one of the biggest reasons the stock market goes up over the long-term.

The great companies of the world that you and I use every day of our lives make profits far more often than not.

We all buy their goods and services every day and we ultimately line their pockets and make them their profits over the years.

As investors we own a small part of thousands of these companies, but all companies and economies have tough times every now and again, but they will still be there making profits long after you and I are gone.

Managing our behaviour and reactions to all the media nonsense is the way to get these returns for the long-term view patient investor. It was, is, and always will be this way.

If your plan, timeframe, and goals have not changed then you should do absolutely nothing as this too shall pass. We have had many experienced investors wanting to invest more because they have seen this movie before and realise that markets are heavily discounted right now.

Bizarrely the stock market is the only ‘market’ in the world where everyone runs out of the store when everything is on sale! If your favourite food or drink was on sale or heavily discounted, you would probably fill your shopping trolley. You wouldn’t hold back and wait for the price to go back up; you would buy now, but sadly, this is what many investors do.

Director at Manning & Company, Behavioural Investment Coach, member of the Parliamentary Financial Review Team and the UK Leaders Council, 1st in the Southwest 2022 by Vouchedfor.com for achieving the most positive client reviews and not forgetting, great friend to his clients, Mike has gained a lot of knowledge, understanding, and trust throughout his career that he would now like to share with you, the reader.

To buy his book, head to www.lulu. com or Amazon and other online book retailers. It comes in hardback, paperback, and Kindle versions with varying prices from £2.99-£29.95. He is also releasing an audiobook version very soon!

w: saverbehaviour.co.uk

LAW & FINANCE

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PLASTIC FREE JULY Plastic Free July is a worldwide movement to encourage people to make the swaps from single-use plastic to reusable so we can have cleaner oceans, streets and a healthier planet.

A

ll you need to do to be a part of the change is refuse single-use plastics and opt for sustainable alternatives. Once you apply to take part, Plastic Free July will offer ideas and resources to guide you in your challenge to better the planet and encourage you to keep up the good work.

How to live plastic-free Reusable water bottles and coffee cups are becoming increasingly more popular and easier to find. Cafes and coffee shops all offer their own reusable alternatives that you can purchase in-store instead of disposable paper cups. Try to resist the urge and wait until you can sit down at a café and order a drink in a durable mug or glass. If you think you may be tempted by a coffee in the day, pop your re-usable coffee cup in your bag just in case you might want to use it later on in the day.

In the UK, we are fortunate to have safe drinking water, straight from the tap.

Many countries aren’t blessed with this privilege that we often take for granted.

Always bring reusable bags. You never know when you might need a shopping bag if you’re out and about so it’s always best to keep one in your bag at all times. Shopping bags don’t have to take up much room in your bag or pocket. You can purchase collapsible shopping bags that compress into their 36

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own sack and can be the size of a small wallet or tennis ball. Very useful for popping out to grab a few things.

Being able to live plastic-free comes from being prepared. This is a good life lesson to learn because in day-today life when you are prepared, you are less likely to be late and make silly mistakes.

Being prepared within the plastic-free world means making your lunch the night before or waking up early to make them in the morning. Put the contents of your packed lunch into a re-usable container then you won’t need to pop out for lunch and feel tempted by the convenient plastic packaging.

If you have made something that needs to be wrapped up, avoid cling-film and opt for a sustainable alternative such as beeswax wraps.

Being prepared also comes down to your food shops and knowing what meals you want to have during the week. Make sure you check the use-by dates and cook the foods which have the earliest use-by dates first. Becoming plastic-free means you may have to shop around instead

of grabbing everything in one supermarket.

Living plastic-free can seem like a daunting and expensive prospect however, these swaps tend to last longer meaning you don’t have to buy them as frequently.

We hope these solutions have given you some inspiration to go plastic -free this July.

LAW & FINANCE

LMB

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