Our house, Autumn 2013

Our House Your Group, your news

@theaccordgroup

facebook.com/accordgroup

In this issue...

youtube.com/theaccordgroup

Accord Group resident newsletter October, 2013

What’s cooking at Holiday Kitchen?

p3

Fundraising hit!

Skills swap success

p5

Summer picture special

p6

p10

LIKE US ON FACEBOOK AND WIN £50!

See back page for details

Service offers new way to swap homes People in the West Midlands who want to swap their homes for larger or smaller ones can now do so using a brand new service.

Let’s Swap is a mutual exchange, or home swapping service, for residents of housing associations like the Accord Group, across the West Midlands.

Developed by the WMBUS (West Midlands Best Use of Stock) partnership, the service allows people to advertise their homes, search for a swap and then apply online.

Simple and easy to use, the self-help service, which can be found

at lets-swap.org, features hundreds of homes managed by 21 housing associations and councils.

Emma Stone, Mutual Exchange Facilitator for the Accord Group, said: “Many of our customers are looking to downsize as a result of the Bedroom Tax and Let’s Swap is an ideal way to do this.

“You can search via area or for how many bedrooms you’re looking for, making it a quick and

easy way to search for homes and then swap.

“The site is also perfect for people looking to upsize and with homes from 21 housing associations and councils across the West Midlands there is lots of choice.”

For more information about mutual exchanges and the Let’s Swap service, contact Emma Stone, Mutual Exchange Facilitator, on 0300 111 7000 extension 7311 or email estone@ accordgroup.org.uk

OUR NEW MAGAZINE FOR YOUNG PEOPLE. CHECK IT OUT INSIDE.

Last chance to nominate a ‘Great Resident’ If you haven’t already, you still have time to nominate a neighbour or fellow resident for a Great Resident Award. The closing date is Friday, 18 October and the awards celebrate the achievements of residents from across the Accord Group over the last year.

The winners of the annual Great Resident Awards will be revealed at an awards ceremony in November, with the winners published in the December edition of Our House.

Categories include, ‘Resident Group of the Year’, ‘Best Newcomer’ and ‘Lifetime Achievement’. To see the full list of eight categories and download a nomination form go to accordgroup.org.uk To nominate, call the Resident Engagement team on 0300 111 7000 extension 2014 or email reteam@accordgroup.org.uk

2

Our HOUSE

Hello!

October, 2013

Get in touch...

Hello and welcome to the October edition of your quarterly newsletter, Our House.

We hope that you’ve had a lovely summer and enjoyed the warm weather. Maybe you’ve even come along to one of the events held by your housing association?

From fun days to trips to the seaside, there’s been plenty to get involved in. You can see photos from some of the events in our photo special on page 10.

If you’re looking for work and need a helping hand, we’ve also got some top tips on bouncing back from a job rejection and information on jobs and skills coaches who can offer support and advice, all on page 6.

While on page 9, you can find out all you need to know about opening a bank account, from the difference between a current and basic one to how you can apply.

0300 111 7000 clairemo@ accordgroup.org.uk accordgroup.org.uk /accordgroup @theaccordgroup /theaccordgroup Accord Group, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG

We are also really pleased to unveil our new, twice-yearly supplement especially for 12-18 years old, The Mix. We really hope you like it!

And finally, don’t forget to send your views about any articles in the newsletter to me at clairemo@accordgroup.org.uk or write to Our House C/O Claire Morrall, Accord Group, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG.

Facebook snapshot what you’re talking about

s Representatives from the Pattern Gardens TMO visited the Accord Group’s LoCaL Homes factory this week to see where the homes that they live in are manufactured.

Claire

THE MAILBAG I would like to pass my thanks onto Greenscape. Every time they come down to Cwerne Gardens they leave the grounds looking beautiful. My neighbours work really hard, every day of the year, to keep the grounds looking good too and I think George, Lynne, Bob, Sharon and Beryl in particular deserve a mention in this newsletter.

The grounds of Cwerne Gardens are beautiful, an absolute marvel!

s “I’ve just received your Accord Group mag through the post, only to open it up and see two of my photos I sent you in it! Thank you, it’s made my day.”

Mr. D Powiss, Lower Gornal, Dudley

Thank you for your comments Mr Powiss. We popped down to Cwerne Gardens to take a photo and show our readers just how nice your gardens are.

I’d like to say a huge thank you to all the residents, their friends and family, who attended the Caldmoreaccord day trip to Llandudno on the Conwy coast. It was a lovely day and we’ve had lots of positive feedback from residents to say how much they enjoyed it. I’d now really like residents’ suggestions on where they would like to go for next year’s trip, which is planned for 9 August, 2014. Once I have these, a shortlist will be drawn up which will be put to a vote. If you do have any suggestions, please email me at nazir.ahmed@caldmoreaccordha.org.uk or call 01922 728235.”

Nazir Ahmed, Resident Engagement Officer, Caldmoreaccord

Your GROUP

s A residents’ trip that was arranged by a resident himself for his neighbours has gone down a treat on the Severn Valley Railway.

John Williams, of Stephenson Place in Bewdley, sorted out the free trip for many of his fellow residents and their guests.

Our HOUSE

October, 2013

3

Home sweet home - first families move into new homes People with dementia to help develop pioneering technology People with dementia in the Black Country are being invited to take part in a pioneering project to develop technology which will help them around the home.

The Accord Group is one of just a handful of organisations chosen to carry out the research as part of the PIA (Personal IADL Assistant) project.

Dementia specialists will interview people in Walsall, Sandwell and Dudley with early onset dementia in a bid to

understand the struggles they face around the home.

The findings will then be used to develop and trial a smart touchscreen system that will help people with dementia to carry out day-to-day tasks, like washing clothes or cooking, using video clips.

If you have early onset dementia, or other memory problems, and would like to take part in the research, call Angela Causton on 078760 34592 or email angelac@accordha.org.uk

Holiday Kitchen cooks up help for 3,000 Shalikur Rahman (left) outside his new home at Urban 180

The first families of a new housing development in the heart of West Bromwich town centre have moved into their new homes.

Managed by Caldmoreaccord, the homes are made up of high-quality three and four-bedroom houses and apartments for affordable rent and sale.

The first lot of homes was completed in July, with Mr Shalikur Rahman and his family amongst one of the first to move in.

The whole development, which is situated off Overend Street, is set to be completed by July next year.

Alan Yates, Executive Director of Regeneration at the Accord Group, said: “It’s great to welcome the first families to Urban 180 and hear first-hand how happy they are in their new homes.”

For more information about Urban 180, or to register interest in purchasing a home there, visit accordgroup.org.uk/homes

Nearly 3,000 pack-lunches were provided to children in Birmingham over the school holidays as part of a project run by Ashram Housing Association.

Ashram gave out the lunches to children taking part in holiday activities across East Birmingham, including the Bordesley Green Pod, as part of its successful Holiday Kitchen project, which you may have read about in a previous edition of Our House.

As well as providing packed lunches, children who took part in the project based at the Wildlife Trust Eco Park in Bordesley Green, also got to do fun outdoor activities like pond dipping, going on ‘mini beast’ hunts and building campfires. The Holiday Kitchen project was funded

by Children in Need.

Your NEWS

4

Our HOUSE

October, 2013

Health and Wellbeing Healthy eating programme passes the taste test

Claire Robinson (right) and Esther Jarman (left)

A free healthy eating programme has been given the thumbs up by residents who got to taste nutritious meals from across the globe.

Claire Robinson and Esther Jarman were just two of the people who attended a five-week course run

by Caldmoreaccord and Walsall NHS to promote healthy eating.

Esther, who lives in Darlaston, said: “I fully enjoyed the course. My daughter even came to one session with me.”

Claire, also from Darlaston, added: “I’ve taken on board some very useful tips, hints and advice on how to cook healthy meals which I can pass onto my children and encourage a healthier diet and lifestyle.”

Ran throughout July, the programme covered different food groups, the importance of having a balanced diet, portion sizes, different types of fat and reducing sugar and salt.

Also on the menu were interactive cooking sessions featuring dishes from Europe, the Caribbean, Asian and Africa. To find out more about healthy eating visit: www.nhs.uk/livewell/healthy-eating

Help at hand for young carers Are you aged under 18 and help to look after someone in your family who couldn’t manage without your help? At Walsall Young Carers you, and your family member, can get help and support with any problems that you may have.

For more information, contact Walsall Young Carers on 01922 610 810 or email info@walsallcarers.org

Your GROUP

Recipe

Angela Causton (centre) from Accord Group serves up refreshments at a café

Kettle on for support at cafes People who have a family member with dementia are being invited to come and have a coffee with us at one of our cafes.

Held monthly, the Accord Group’s free Dementia Café support groups are open to anyone living in Sandwell and Walsall that has, or cares for someone, with dementia.

Each café, which lasts for two hours, is friendly and comfortable and there are lots of opportunities to socialise and get information and support.

The cafés are run in collaboration with organisations including The Kaleidoscope Plus Group, Options for Life, West Bromwich African Caribbean Resource Centre, BUDS and Age UK Walsall.

For more information about the dementia cafes, call Janine Hayes on 07557153571 or email janine. hayes@accordha.org.uk.

Beef and vegetable pie With the colder months just around the corner, this twist on a traditional winter warmer of a recipe is sure to keep you snug.

Ingredients • 750g minced beef or lamb • 1 onion (finely chopped) • 2 cloves of garlic peeled and crushed • 1 chilli pepper • 2 tablespoons of curry powder • 2 red peppers diced (deseeded) • 250g green beans cut lengthwise • 1 carrot diced • 6 tablespoons of tomato puree • 200g passata • 350g of natural yoghurt • 4 eggs • Coriander (chopped)

Preparation method 1. Preheat oven to 160 degrees/gas mark 4.

Place cooking oil or oil spray into a frying pan, add mince, cook until brown. Don’t allow to stick. Add onions, stir in and soften. Add garlic, chilli, curry powder, red peppers, green beans and carrots then stir fry for three minutes.

2. Remove pan from the heat and stir in the passata and tomato puree. Place the mixture into a shallow Pyrex dish and press down well.

3. Beat eggs with yoghurt, stir in chopped coriander and add salt and black pepper, pour the mixture over mince mixture evenly. Cook in oven for almost 50 minutes until golden brown.

Serve with a mixed salad, preferably a leafy one and garnish with sliced tomato.

Recipe provided by Ashram Housing Association resident Claudette Bonnett. If you have a recipe to share with readers, call Editor Claire Morrall on 0121 500 2340 or email clairemo@accordgroup.org.uk

Our HOUSE

October, 2013

5

Think you know about mental health?

On the 10 October, it will be World Mental Health Day. It may surprise you to know that one in four people will experience a mental health problem in any given year. Here are five other facts from the health and well-being charity, The Kaleidoscope Plus Group, that you may not know about mental health.

12%

1 in 4

9%

1 in 5

1 in 10

Mental health disorders affect nearly 12 per cent of the world’s population.

One in four British adults experience at least one diagnosable mental health problem in any one year

Anxiety is the most common mental disorder in the UK. nine per cent meet the criteria for diagnosis.

Depression affects one in five older people living in the community and two in five living in care homes.

One in 10 young people aged five-16 suffer from a diagnosable mental health disorder in the UK.

New service for people with dementia

Children find their voice for fundraising song Refuge Manager Sahdaish Pall (centre) at the launch of the You and Me song

A new service to help people with dementia to cope with their condition has been launched in Staffordshire.

The Peer Support Project teaches self-help techniques to people with dementia, and their family carers, to help them feel safe at home.

Around 11,000 people in Staffordshire have dementia, with two thirds living at home and being cared for by a carer or family member.

The support group meets every Monday from 1.30pm3.30pm at Brew House, Union Street, Burton-UponTrent, Staffordshire, DE14 1EB. For more information, call Janine Hayes on 0300 111 7000 or 07557153571 or email janine.hayes@accordha.org.uk

SPOTLIGHT ON…

Nissa

A moving song written and performed by children from an Ashram Housing Association refuge has been released for sale on iTunes. Called ‘You and Me’, the poignant song has been launched to raise awareness of the impact domestic abuse has on children.

Featuring the voices of 10 children, the track - which is available to buy for 79p - includes lyrics about what it’s like to be a child witnessing domestic abuse. All money raised from the sale of the single will go towards providing educational and therapeutic services for children living at the refuge. If you are experiencing domestic abuse and want to talk to someone at Ashram Housing Association, call 0121 764 3817.

What is Nissa Ashram?

Where is it?

Can I live there?

Nissa Ashram is a housing scheme for women who have mental health concerns.

It is made up of 10 selfcontained apartments, a communal lounge and kitchen and a large garden.

The scheme is in Sparkhill in Birmingham and is close to the many shops and restaurants on the Stratford Road, as well as other local amenities like places of worship and doctors surgeries.

The scheme is specifically for women who have mental health issues which require some support. If you think this applies to you, or a family member, then call Roshan Sandhu on 0121 764 3822 who can provide more details and talk you through the referral process.

Your NEWS

6

Our HOUSE

October, 2013

Jobs, Skills and Training

Skills swapping scheme boosts community spirit Didn’t get that dream job?

Don’t let it get you down.

Mike Rogers, Social Innovations Worker at Fry Housing Trust, gives his five top tips for bouncing back from a rejection.

Don’t let rejection get you down. Whatever your chosen career you are going to get rejected at some stage and most likely at the beginning. View every ‘no’ as one step closer to a ‘yes’.

Try and find out who did get the position and why. You will feel much better if you discover that the candidate who beat you did so because of factors that were completely beyond your control like personal connections and experience.

Think about what went right and wrong in the interview. Were there any responses you gave that got a really good reaction?

Keep using those. Were there any that got a negative response? Refine these so you go into your next interview with even more confidence.

Address the issues for not getting the job.

If it was a poor interview ask your local jobs and skills coach for a mock interview session. If it was lack of knowledge or experience, then speak to your local jobs and skills coach about work placements or volunteering opportunities.

Take time out. Not getting a job that you wanted is never easy. You will have good days and bad days. There is nothing wrong with allowing some time to heal.

Your GROUP

Dewitt Palmer (right) believes that the time bank makes it easy to help people

A unique skills swapping scheme that was the first to be launched in Walsall a year ago is being credited with boosting community spirit.

The Time for Real time bank, run by Caldmoreaccord, allows people to exchange a host of skills free of charge.

For every hour that someone spends doing a task, such as gardening or dog walking, they get an hour’s worth of work from another member of the community.

Based at the Village Hub in Caldmore, the time bank has 64 members who to date have exchanged 453 hours and offer over 90 different skills. Dewitt Palmer is one of the people who volunteers at the time bank in exchange

for help maintaining his garden.

He said: “I’m a wheelchair user and before I joined the time bank I hadn’t been out in my garden for six years.

It was very overgrown but I couldn’t maintain it myself and I didn’t know who to ask for help.

“Now I volunteer at the time bank and offer computer skills in return for mowing my lawn and getting rid of weeds. I think there are lots of people out there that want to help but they don’t know how, the time bank makes it easy.”

For more information about the Time for Real time bank, or to register your interest in joining, call Tina Dalton on 01922 705 280 or email Tina.Dalton@ caldmoreaccordha.org.uk

Our HOUSE

October, 2013

Meet your jobs and skills coaches Did you know that if you’re struggling to find work we have jobs and skills coaches available to help? They can give advice about applications, CVs, interview techniques and loads more to help you on the path to employment.

Rachel Perks

HOW I BECAME A…

Board Member

by RACHEL SEALEY

“I’ve lived at Riverside Co-operative for 11 and a half years but I haven’t always got involved in the running of it. Not long after I moved in, I fell ill and struggled to attend the co-operative meetings.

Over the last few years though, things have changed. I started volunteering as a Lettings Officer at Redditch Cooperative Homes and my confidence rocketed.

Ashram, bchs and Moseley and District Tel: 0121 764 3823 Email: rachel.perks@ ashramha.org.uk

As part of the role, I help to interview potential co-operative members, fill in various forms and make telephone calls.

Mike Rogers Fry Housing Trust Tel: 0121 559 6406 Email: michael.rogers@fryha.org.uk

7

I’d never done any office work but now, thanks to volunteering at Redditch Cooperative Homes, I’ve got a part-time job as an office administrator at a local company.

Last year, I was also nominated as Chair of my co-operative and as a Board member for Redditch Co-operative Homes. At first I was really nervous

about taking on the two roles but it’s been great.

The Board meets every quarter and is made up of different co-operative members and staff from Redditch Co-operative Homes. Councillor Bill Hartnett chairs the meetings and we discuss reports and can ask questions.

It’s really increased my confidence and if there’s some jargon that I don’t understand Hazel, Lindsey or Nathan from Redditch Co-operative Homes are always on hand to explain.

I’ve only been a Board member for a year but I’d really like to be nominated again. It’s really helped improve my confidence and opened up a whole new world to me.”

Just the job

Jill Sargeant or Samantha Cook

Vacancies on offer

Caldmoreaccord Tel: 01922 705282 Email: jill.sargeant@ caldmoreaccordha.org.uk or samantha.cook@ caldmoreaccordha.org.uk

Looking for a job? Then check out the latest vacancies on offer at the Accord Group. To apply for any of the vacancies listed below, visit accordgroup.org.uk/vacancies and follow the link to the careers portal.

Please note that applications via any other method aren’t accepted.

For more information, call the Resourcing and Talent team on 0300 111 7000.

Hazel Lengden Redditch Co-operative Homes

n Senior Personal Care Assistant (days/nights) in Telford (closing date 17 October, 2013)

Tel: 01527 591170 Email: hazel@rch.coop

n Zero Hour Care Assistant(s) in Chelmsley Wood

n Homecare Personal Care Assistant(s) in Solihull n Personal Care Assistant(s) in Coventry

LATEST VOLUNTEERING VACANCIES We offer scores of volunteering placements across the Midlands in a host of different roles. Check out the latest ones on offer below. For more information about volunteering, call Irene Casserley (pictured), Group Volunteer Services Manager, on 01922 728 203 or email irene.casserley@caldmoreaccordha.org.uk

Birmingham and Coventry

Sandwell, Walsall and Wolverhampton

Allotment Gardener (Edgbaston) Activity Co-ordinator (Harborne) Escort to church service (Shirley) Activity Co-ordinator (Sparkbrook) Activities Volunteer (Coventry)

Dancing Activity Volunteer (Sandwell) Support Assistant (Sandwell) Escort for football matches (Great Wyrley) Cook (Darlaston) Arts and Crafts Volunteer (Darlaston)

Your NEWS

8

Our HOUSE

October, 2013

Money Management SIX QUESTIONS FOR…

Colin Muir

Making it count

What does your job involve?

Cassandra Lewington is the Money Advisor for Ashram Housing Association and Moseley and District.

Income Officer at Moseley and District I help customers to look at their household income and support them to maximise it and reduce any rent arrears that they may have.

How long have you worked in your current job and what did you do before?

I’ve been an Income Officer at Moseley and District for just four weeks.

Before then, I was Head of Income for Charnwood Borough Council.

What do you enjoy about your job?

I really enjoy providing a good customer service and offering advice and support.

I also like sign-posting customers to internal and eternal agencies, where appropriate, so that they can get even more help and support.

How can I contact you?

Call me on 0121 449 5041 or email me at email colin.muir@moseleyha.org.uke

Quick and easy way to pay your rent Did you know that you can now en pay your rent 24 hours a day, sev days a week?

All you need to do is request a rent t payment card, call our Customer Firs and 0 contact centre on 0300 111 700 choose the automated option to pay your rent. ere You’ll then be directed to AllPay, wh you can quickly and smoothly pay your rent using automated options.

Using your rent payment card means r that you don’t have to repeat all you

Your GROUP

Cassandra

“Since I became the Money Advisor for Ashram and Moseley and District in April, I’ve received over 70 enquiries from residents.

Which areas do you cover?

I work with customers of Moseley and District throughout Birmingham.

This includes Kings Heath, Moseley, Edgbaston, Kings Norton, Sparkbrook and Sparkhill.

with

bank details each time you need to make a payment.

If you have an Android Smartphone you can also download an app to pay t your rent from your phone. Just visi uk allnetpay/allpay-payment-app.co.

For complete piece of mind, why not t. set up a direct debit to pay your ren For more information on how to do for this, speak to your housing officer more information or call 0300 111 7000.

The help I’ve given has ranged from support in filling in application forms for benefits to situations where, because of an emergency, a resident has been left with no money.

I often visit people in their homes to see how I can help them at a time that is convenient for them.

We’ll talk about what is worrying them in regards to managing their money and the help that is available.

I’ve had positive feedback from the people I’ve helped so far but I’m always looking to improve the service and will be sending out surveys for your comments and suggestions.

The changes to welfare benefits are having a huge impact on people’s lives. If I can help, sometimes albeit in a small way, then the impact on a resident can only be positive.

If you feel you may benefit from the service and you’re a resident of Ashram or Moseley and District, then speak to your housing officer or contact me directly on 0121 442 5017.”

Cassandra Lewington – Money Advisor

A NEW SUPPLEMENT FOR YOUNG RESIDENTS OF THE ACCORD GROUP

October 2013

Is there enough help to get onto the property ladder?

BULLYING

and what to do if you’re experiencing it

SAY NO TO DEBT

New project tells you how

GOT A BUSINESS IDEA?

Win a chance to fly to Holland to hone your business skills!

BROUGHT TO YOU IN ASSOCIATION WITH

this time in

Get in touch...

0300 111 7000 clairemo@accordgroup.org.uk

accordgroup.org.uk

Welcome to the first edition of The Mix. This twice yearly magazine is especially for young people aged 12-18 and features all the news and views that matter to you.

/accordgroup @theaccordgroup /theaccordgroup

In this edition, you’ll find news about a brand new service just for young, first-time social housing residents.

The service, called Pay Ahead, Stay Ahead, helps you to manage your money, keep out of debt and away from loan sharks. You can read more about it on page 3.

W

E

WANT Y

OU

Bullying can have a huge effect on a young person’s life and can on occasion, lead to devastating consequences.

Young reporter Amy Hedgecock explores the topic on page 3.

Accord Group, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG

There’s also a fun quiz and reviews on page 4 to keep you entertained this month.

Lastly, if you have any views on the magazine get in touch with us. You can email clairemo@accordgroup.org.uk, leave a comment on facebook.com/accordgroup or tweet us @theaccordgroup

Happy reading!

Is there an issue that you want to shout about? Maybe it’s something that is happening in your community, on your doorstep, or a topic that you’re really passionate about? Then why not get involved in this magazine? Send your ideas for articles to Claire Morrall by emailing clairemo@accordgroup.org.uk or call 0121 500 2340.

IS THERE ENOUGH SUPPORT TO HELP YOUNG PEOPLE GET ONTO THE PROPERTY LADDER? “There’s not enough social housing and the private sector is too expensive. One thing that could be done is to make renting an easier and cheaper option by introducing rent caps.”

Imy, aged 23, from Small Heath

“In current economic times, it’s hard for anyone to get on the property ladder, let alone a young generation of which over one million are unemployed.”

Sunjay, aged 18, from Tamworth

“Current deposit schemes are welcome but need to go further and also cover older houses if we are really going to get young people to buy their own home.”

“Getting onto the property ladder seems like a pipe dream for me. I think banks and building societies need to do more to help out young people who are struggling to get together a deposit.”

Andrew, aged 24, from Kings Heath

Sam, aged 19, from Knowle

“All my friends are either living with their parents or renting.

I don’t think there’s adequate support for young people who have questions about housing issues. Young people need to be given much better education about the housing market.”

Tom, aged 25, from Sutton Coldfield

Bullying

Debt advice

‘Left out by my ‘friends’’ Pocket the right advice to say -the truth about bullying According to isafe.org, about 77 per cent of students have admitted to being the victims of at least one type of bullying.

Most people experience some form of bullying in their lifetime. So in this issue, we felt it was important to explore the issue. Young reporter Amy Hedgecock spoke to one young person, who wished to remain anonymous, about their experience of bullying.

Tell me about your experience of being bullied?

“I was laughed at, threatened and left out by my ‘friends’. It was one of the worst experiences of my life.”

How did you deal with it?

“I spoke to people about it; other friends and my family. It felt good to let it all out. A problem shared is a problem halved.”

Do you have any advice for people who are being bullied?

“Just remember that you’ll get through it. It won’t carry on forever. You won’t know the people forever.”

If you are being bullied and want help, call ChildLine on 0800 1111 or visit childline.org.uk.

no to debt

In a survey about debt, Citizens Advice found that most people owe between £1,000 and £20,000, with a staggering one in 10 owing more than £30,000.

Managing money successfully is hard work and it can be easy to slip into debt. It can be especially tricky for first-time tenants who haven’t experienced juggling household bills and rent before.

Luckily a new service has been launched to help young people in Birmingham to manage their money, stay out of debt and away from loan sharks.

Called Pay Ahead, Stay Ahead, the service, for 16-24 year olds, combines online advice with workshops and one-to-one support.

Emma Wright, Pay Ahead, Stay Ahead Programme Manager, said: “If you live in Birmingham, are aged 16 to 24, and are in the first six months of your first tenancy, then we can help.

“We offer a training programme to look at budgeting and financial issues in more depth and a ‘green doctor’ can visit your home to see how you can make it more eco-friendly and therefore cheaper to run.”

Want to find out more about Pay Ahead, Stay Ahead? Then speak to your housing officer, who will guide you through the 20 minute sign-up process. You can also follow Pay Ahead, Stay Ahead’s online Twitter campaign @socialbreak

WHAT IS...

Social Breakfast is a social enterprise that supports young people to influence positive change. It works throughout the West Midlands, helping young people build the confidence and skills they need to have a greater say in decisions that affect them.

Andrew Mullinex, Community Organiser at Social Breakfast, said: “Our most exciting project at the moment is ‘We Are The One Mil’, which captures the identity of young people in Birmingham. If you visit socialbreakfast.org you will see blogs, pictures and videos from people across the city on issues including crime, football and good music venues.

You can send your snapshot of Birmingham to us via the website, by tweeting us @SocialBreak or by using the hashtag #wearetheonemil on Instagram.”

For more information, or to get involved in Social Breakfast, visit socialbreakfast.org

Reviews

by Amy Hedgecock

MUSIC

BOOK

FILM

I V, The 1975

The Fault in Our Stars

This Is Us

IV is the third EP from alternative, indie rock band The 1975. It contains four tracks: Haunt // Bed, So Far (It’s Alright), Fallingforyou and The City; which charted in the UK and received airplay in several countries. The 1975 have supported bands like The Neighbourhood and The Rolling Stones over the past year, gathering an ever-growing following across the world.

They are set to tour the UK mid-September following the release of their self-titled album on the 2 September. The IV EP is a compilation of hypnotic lullabies and chipper numbers, providing a varying tone throughout. This EP is a pleasant listen and a triumph for the Manchester boys.

The Fault in Our Stars is a young adult novel by New York Times bestselling author John Green.

The story follows 16-year-old cancer patient Hazel Grace Lancaster, who is forced by her parents to attend a cancer support group. Here she meets Augustus Walters, a 16-year-old boy who lost his right leg to bone cancer. Augustus primarily attends the support group to support his friend, Isaac who lost his eye to cancer and has learned that he will also have to have the other removed. Despite the book delving into the harrowing truths of what young cancer patients go through, it is a heart-warming, romance-filled novel which will tug at your heart strings from the first page.

This Is Us delves into the lives of the biggest boy band in the world, One Direction. From sold-out shows and crazed fans to staying in their family homes, the film explores all areas of the band’s lives. For the first time the band’s previous Take Me Home tour is showcased on the big screen in 3D. The film allows fans to re-live the concert experience in the comfort of their local cinemas and to discover what happens behind the scenes in candid, never before seen footage of the boys. Although parts of the film will have been previously seen by dedicated ‘directioners’ they are sure to enjoy reminiscing the boys’ previous endeavours. This film is a must see for any One Direction fan or music-movie buff.

]]]]

]]]]]

]]]]

Think you’re the next Alan Sugar?

Then you could be jetting off to Holland

Alix Drysdale, Enterprise Officer for the Accord Group, said: “This is a fantastic opportunity for young entrepreneurs.

Not only will you get hands on business experience but you’ll also be supported to develop your business ideas.”

To take part, you must be aged between 18-25 years old and be able to commit to seven weeks of preparation and 13 weeks of business mentoring in Holland. There are 10 spaces for Accord residents and 15 for non-Accord residents. For more information on how to apply, call Alix Drysdale on 0121 358 9019 or email alixd@accordgroup.org.uk

Which boy band has a newly released film called ‘This is Us’?

Which sport does Tom Daley compete in?

How many siblings does Edward Cullen have in the film ‘Twilight’?

Which artist released the tracks ‘I Knew You Were Trouble’‘We Are Never Ever Getting Back Together’ and ‘22’?

Which e4 TV show stars Zooey Deschanel, Jake M. Johnson, Hannah Simone, Max Greenfield and Lamorne Morris?

Impact Hub is a part of Hubs Worldwide and specialises in giving young people the opportunity to start-up business ventures across the world.

1. One Direction 2. Diving 3. Four - Alice, Jasper, Emmett and Rosalie 4. Taylor Swift 5. New Girl

Around 25 budding entrepreneurs are being given the chance of a life time to jet to Holland to hone their business ideas. The Accord Group’s enterprise initiative the A-Fund has teamed up with Impact Hub in Amsterdam to offer the amazing opportunity, which will even help participants learn Dutch!

178 Birmingham Road West Bromwich, B70 6QG Tel: 0300 111 7000 Email: clairemo@accordgroup.org.uk Twitter: @theaccordgroup Facebook: facebook.com/accordgroup accordgroup.org.uk

Our HOUSE

October, 2013

FIVE FACTS ABOUT… Open to everyone

Making finance terms clearer for you...

Overdraft Lets you spend more money than is in your account but the banks usually charge interest on this. You won’t get an overdraft with basic bank accounts.

Credit Unions

Helps you pay bills directly from your account. It’s a great way to pay your rent, allowing the company you’re paying to take money from your account on a specific date.

The company must tell you in advance if they plan to change the amount or the date.

Insured and regulated

Everyone can join a credit union. Unlike banks that have shareholders, credit unions allow you to receive the dividend yourself. They also actively seek to get you involved, whether it’s as a volunteer helping at collection points or attending annual general meetings.

Every penny you save with a credit union is safe as it’s covered by the Financial Services Compensation Scheme. They also have a limit on how much you can save, depending on the size of the credit union. The average maximum is normally £15,000.

Help you to save

Young savers

If you can save a £1, than you can save it in a credit union. Many banks like you to keep a minimum in your account or to have wages or benefits paid into it before they’ll allow you to open an account. Not with a Credit Union. The amount you choose to save and when, is up to you.

Many credit unions work hard to encourage children to develop the saving habit. Some do this by helping primary schools to set up collection points run for pupils to save.

Affordable place to borrow money

Direct Debit

9

A typical credit union first loan is around £50 and £400 and is based on your ability to repay, not your credit rating. Once you’re a member of a credit union, you can apply for a loan.

The five facts have been provided by 6Towns Credit Union in West Bromwich. For more information about 6Towns, visit sixtowns.co.uk or call 0121 553 3110.

Getting ready for Universal Credit

How do I...

Open a back account?

Universal Credit is a new benefit that has started to replace six existing ones (Income-based Job Seeker’s Allowance, Income-Related Employment Support Allowance, Income Support, Working Tax Credits, Child Tax Credits and Housing Benefit) with a single monthly payment. It will be means-tested and for people of working age.

What kind of accounts are there?

There are two main types of bank account – current and basic.

What does it mean to me?

All your benefits will be paid in one single payment.

This will include Housing Benefit - even if you’ve had it paid directly to your housing association in the past.

Sounds good. Tell me about a current account too. n You get a debit card which you can use to withdraw money and pay for goods in shops n You may get a cheque book n You may get interest on money you leave in your account n You can apply for an overdraft n You may have to pay a monthly fee.

When will it happen?

The rollout of Universal Credit has already started in parts of the country. It will be gradually rolled out everywhere from October and completed by 2017. At the time of going to print, we understand that none of the Jobcentres in the Midlands, other than Rugby, will be rolling out Universal Credit in October. So it will be unlikely to affect any residents until 2014. We’ll continue to update you.

How can I prepare for Universal Credit?

We recommend that you get a bank account and set up a direct debit to pay your rent. This will make sure that you don’t fall into rent arrears. It’s also important that if you need advice and further information, you ask for it sooner rather than later.

Tell me about a basic bank account. n You can only spend what’s in your account n You can’t overspend n You get a cash card to withdraw cash n You don’t get a cheque book.

How can I apply for a bank account?

You can open a basic or current bank account with high street banks, building societies and credit unions. Once opened, you can arrange to have your wages and benefits paid into it. You can set up direct debits too.

I’m still not sure which account to choose. Help!

If you’re still unsure, you can get free and independent advice from the Money Advice Service by visiting moneyadviceservice.org.uk or by calling 0300 500 5000.

Anything else I need to know?

Banks aren’t allowed to use benefit payments to clear an overdraft. This is called the ‘first right of appropriation’. However, you need to tell them in writing which you can do by filling in a form that you can get from your housing association.

Your NEWS

10

Our HOUSE

October, 2013

Big smiles all round at the seaside

Weston was the ‘plaice’ to be for fish and chips

k into Children tuc ts a e tr seaside

bchs day trip to WestonSuper-Mare

Mustafa Ramji (Service Improvement Manager) and Louise Creswick (Resident Engagement Manager) have their cake and eat it

Peter Helly (Housing Officer) enjoys a spot of tennis with budding players

Moseley and District garden party Games galore at garden party

Hands up if you had fun at Jervis Court

lash with Making a sp ing some canoe

PICTURE SPECIAL It’s been a glorious sun-filled summer and you’ve been making the most of it by attending fun days, trips and events organised by your housing association.

To celebrate, we’ve selected the best photos from some of the events held this year.

Children had a ‘quacking’ time trying to hook a duck

g was Face paintin cess a roaring suc

Fry Housing Trust’s summer activity A head for heights!

Fry customers give climbing a go

Tasty treats were served up to visitors

Your GROUP

Caldmoreaccord’s family fun day at Jervis Court

Our HOUSE

October, 2013

New forum for Coventry residents A new residents’ forum described as ‘positive’ and ‘educational’ has been launched in Coventry.

The group, for residents of Alan Marcell Close, Robert Manford Way and Gilbert Horrell Close, meet on a regular basis to discuss the issues that matter to them.

11

Six questions with…

Ashley Lovell

Staff from Ashram Housing Association also attend the meetings and the group have used a special 3D model to explore how things can be improved on their estate.

Amanda Nicholls, Director of Ashram Housing Association, said: “The Planning for Real model has, yet again, proved to be a fabulous tool for resident engagement because it enables people to actively participate in an informal and fullyinclusive way.

Residents forum have been using this Planning for Real model

“Despite having experienced issues with their heating system, residents have come together to tackle other matters so that their estate is one that they can be really proud of.”

What is your name and what do you do?

Wendy Bolas, a resident who has attended the meetings, said: “The meetings have been positive and educational. I am optimistic about the future of our estate.”

What does your job involve on a day-to-day basis?

Resident annual report 2013 DVD out now A DVD of the resident annual report 2013 – following the journey of the Accord Group and highlighting how well it has performed this year - is out now.

To view the report, visit accordgroup. org.uk, check out our Facebook page or YouTube page, or alternatively you can request a copy by contacting the Resident Engagement team on 0121 500 2014 or email reteam@accordgroup.org. uk. Public viewings of the film will also Produced by residents, in association be held in local offices and schemes. For with Broadcast Media Services, the film further information about your nearest includes features on topics ranging from viewing, please contact the Resident repairs to resident involvement.

Engagement team.

Walkabout dates for your diary Ashram

Moseley and District

16 October Starting outside Bordesley Green Leisure Gardens, Birmingham

22 October Starting outside Edward Road Police Station, Balsall Heath, 10am

20 November Starting outside Garretts Green, Birmingham

24 October Starting outside Faraday Court, Faraday Avenue, Handsworth, 10am

18 December Starting outside Parkview Drive, Ward End, Birmingham

Caldmoreaccord 15 October Starting outside Toll End Road, Spring Street and Ocker Hill Road, Tipton, 10am-3pm

31 October Starting outside Balsall Heath Forum, Balsall Heath, 10am 5 November Starting outside Annand House, Sparkhill, 10am

7 November Starting outside 68/76 St Albans Road, Moseley, 10am 15 November Starting outside Harrison’s Pleck, Moseley, 10am 19 November Starting outside Chesterton Court, Cambridge Road, Kings Heath, 10am 6 December Starting outside Block Two, Clent Way, Bartley Green, 10am 10 December Starting outside Block 114/118 Gough Road, Edgbaston, 10am

My name is Ashley Lovell and I’m the new Resident Engagement Apprentice.

I work with staff from across the Accord Group, local authorities and agencies to find out what they offer young people and how we can get them involved. I meet residents on a regular basis to discuss ideas for involvement, activities and events, even campaigns that we can do around issues that affect them.

How long have you worked in your current job and what did you do before?

I have been in my current role since July and before this I worked in Executive services for Caldmoreaccord. Before that I was unemployed for well over a year. I studied business and I was the President of the Students Union.

What do you enjoy most about your job?

I love everything about my job. I really enjoy meeting new people, coming up with ideas for events and activities, talking to all the other agencies and partners and finding out what they are doing.

Why is what you do important to me?

My role is important because young people are often forgotten by a lot of organisations and it’s important to give them a voice and opportunities to get involved. Young people have a lot of energy, a wealth of knowledge and different skills and often some downright amazing ideas!

How can I contact you?

If you want to get involved in any way, put on events or activities or if you have a burning issue that you want to campaign about then get in touch. I am always happy to come and visit your area or scheme. You can contact me on 0121 358 9033 or email me at ashley.lovell@accordgroup.org.uk.

Your NEWS

12

Our HOUSE

October, 2013

Homes and Communities Before...

Alleyway was filled with rubbish...

After ...now it’s clear and fence panels have been painted

Resident electrician lighting up community A resident has risen through the ranks to become an estates officer after joining the organisation as an apprentice.

Thomas Raybould, a Caldmoreaccord resident, is now an Estates Officer, with an NVQ level 3 in electrical installation, after joining the organisation three years ago aged just 18.

As part of his job as Estates Officer, Thomas carries out a range of jobs from fire alarm checks and emergency light checks to electrical maintenance and site inspections.

Housing associations team up to clean up A group of Birmingham housing associations teamed up to remove bags of rubbish dumped in a Moseley alleyway during two clean-ups.

Around 40 bags of rubble and bricks and a whole tipper truck full of garden waste has been cleared from the alleyway between Church Road, Woodstock Road, Woodhurst Road and Sandhurst Road.

Dumped rubbish, including mattresses, a sofa and household waste, was also taken away and broken fence panels were fixed and treated.

Surjit Singh Rai, Estate Services Manager, said: “Thomas has been essential in the creation and expansion of the electrical team, with two more electricians being hired since his arrival.

“The Estates and Facilities team has benefited greatly from his expertise and desire to provide a good service to fellow residents and he is a shining example of how an apprenticeship can lead to great things.”

Thomas Raybould started as an apprentice aged just 18

You said, we did!

We take your complaints and request seriously, so in this newsletter we will explain how we are improving our services for you.

Katie Gallon, Trainee Housing Officer at Moseley and District, said: “Hours of work have been put in to cleaning up this alleyway. It’s been really successful with lots of team work between different organisations.”

You told us that you weren’t happy with the way that we kept you updated about repairs to your homes. Now, the contractors that we employ to carry out repairs – Lovell - send a text message confirming your appointment and another one two days beforehand. They must also now give you the details of any follow-up work that is needed before they leave your home.

Members of Caldmoreaccord’s Time for Real time bank (which you can read more about on page 6) also helped out during the clean-ups, which took place in August.

You also told us that you weren’t happy with our approach to leaks in your home. In response, if there is an out-of-hours leak in your home, we will now make contact with you before 12pm the following day.

To report fly-tipping in your area, contact your housing officer by calling 0300 111 7000 or speak to your support worker.

If you need to report a repair, call 0300 111 7000 or visit your housing association’s website to report it online.

Your GROUP

October, 2013

Our HOUSE

13

Prepare now to stay snug this winter With the colder months just around the corner, it’s really important to make sure that your heating system is working now.

If you haven’t already, we recommend that you turn your system on to check that it is fully functioning.

Testing it now will give us time to arrange to get it fixed if there are any problems before the colder months set in.

For more information about what you can do to keep warm this winter, call us on 0300 111 7000 or speak to your housing officer.

Chris digs deep to transform garden

(L-R) Alan Yates (Director of Regeneration) and Councillor Mahboob Hussain from Sandwell Council at the Beaconview development

Eco home development draws closer A development of eco-friendly timber-frame homes being built in West Bromwich is moving forward, with the latest phase underway.

A 45 foot crane has lifted timber panels into place as part of work to build 38 new homes in Beaconview Road, Charlemont Farm.

Once complete, the development will feature 12 two-bedroom apartments, four two-bedroom houses, eight three-bedroom houses and four four-bedroom houses for affordable rent.

It will also include six two-bedroom houses and four three-bedroom houses for first-time buyers who are struggling to get their foot on the property ladder.

The homes will be managed by bchs and the timber panels are being manufactured at the Accord Group’s LoCaL Homes factory in Walsall.

Chris Bishop has helped garden to blossom

A green-fingered Birmingham man has dug deep to transform the garden at the housing scheme where he lives.

Chris Bishop has spent the summer cutting back weeds, planting new shrubs, creating an allotment and patio area and rebuilding a disused BBQ. The 38-year-old was inspired to make-over the garden as his bedroom overlooks it and he thought it had lots of potential to blossom.

Chris, a Fry Housing Trust customer, said: “It’s a huge garden but it didn’t look great and it wasn’t really used but I could see it had potential.

“Now we have new flower beds, a memorial area to sit and unwind and a polly tunnel to grow fruit and vegetables.”

Birmingham homes get green makeovers Homes across Birmingham have been given ‘green’ makeovers in a bid to help families save money on their energy bills.

Bchs has installed loft and cavity wall insulation to 24 homes in Handsworth, Bordesley Green and Small Heath. Five homes have also been fitted with external wall insulation and two have solar thermal panels installed, which covert sun rays into energy to heat hot water. Bchs hope that the extensive programme of works will help families save money on their energy bills.

Nur Hussan, a bchs resident from Handsworth who has had external wall insulation fitted to his home, said: “I’m really happy with the work and hope that it will keep my home warmer in the winter and mean that I spend less on my gas bills.”

Your NEWS

Your opinions matter to us, which is why we want to know your thoughts on this newsletter, Our House.

To be in with the chance of winning ÂŁ20 Love 2 Shop vouchers, please fill in the questionnaire below, and send it to The Accord Group, c/o Claire Morrall, 178 Birmingham Road, West Bromwich, B70 6QG. Remember to include your name, address and a phone or email contact and the name of your housing association. One person will be chosen at random from all completed questionnaires.

1

On a scale of 1 to 5, with 1 being not interested at all and 5 being very interested, how interested are you in reading about? Please circle your answer:

5

How long do you spend reading the newsletter on average?

q 0-5 minutes q 15-30 minutes q 30-60 minutes q 1-2 hours

Job vacancies, volunteering and training opportunities?

1 2 3 4 5

Changes to benefits and welfare reform?

1 2 3 4 5

Repairs and maintenance to your home or scheme?

1 2 3 4 5

Events and activities taking place in your area and how you can get involved?

1 2 3 4 5

New homes for rent, sale or shared ownership?

1 2 3 4 5

q Yes q No

Recipes and stories written by residents?

1 2 3 4 5

7

2 What do you most enjoy reading about in the newsletter?

6

What do you least like reading about in the newsletter?

4

Would you like to see articles about a topic that is currently not covered? If yes, please state what.

How often do you receive the newsletter?

q Once a year q Twice a year q Three times a year q Four times a year 8

3

Would you be interested in receiving the newsletter in a digital format via email?

Do you have any other comments or feedback about the newsletter?

Name: Address:

Tel: Email: Housing Association:

Your GROUP

Our HOUSE

October, 2013

Celebration event in fifth year Ashram Housing Association and Solihull Community Housing will once again be hosting a joint celebration to mark Black History Month and World Mental Health Day. The free fun-filled event, which will feature entertainment, health checks, lunch, dance, face painting and much more, will take place on Saturday, 19 October, from 12pm-3.30pm at the Loft, 10 West Mall, Chelmsley Wood, Shopping Centre.

For more information, contact staff at Bosworth Drive Community Centre on 0121 770 8570.

15

Conference gets thumbs up Topics such as tenant empowerment, developing new homes and welfare reform were all on the agenda at the annual CCH Conference.

The event, held at Warwick University this year, was attended by members of Victoria, Paddock, 2020 and Balsall Health co-operatives, which bchs work closely with. Ian Cook, from Victoria Housing Co-operative, said: “It was a very interesting conference, with question and answer sessions and workshops on a variety of topical subjects.”

The conference took place between 19-21 July, 2013.

Fete hits the right note Music and entertainment for all were the highlights of this year’s summer fete at Silver Birches residential home in Solihull. The stars of the show were West Midlands Fire Service, with firefighters bringing one of their high-tech tenders along for people to take a look around.The service’s own clarinet quintet also hit the high notes while a brass band hit the low notes, and there was barbecue, cake stall, raffle, bric-a-brac and a bouncy castle for the kids.

October

November

Monday, 14 October Heartlands Local History Coffee Morning, Nechells Green Community Centre, Birmingham. 10am-1pm.

Friday, 8 November South Walsall Library Chatterbooks Group (for children aged between seven and 12), South Walsall Library, Walsall. 3.45pm-4.45pm. For details call, 01922 721347.

Tuesday, 22 October (every Tuesday), Knit and Natter Group, Central Library, West Bromwich. 2pm-3pm. Free. For details call, 0121 569 4904.

Tuesday, 22 October Debt Advice Workshop, Small Heath Community Forum, Heather Road, Birmingham. 10am-12pm. To book an appointment, call 0121 773 8619.

Sunday, 27 October Fordhall Fun and Frights Event, Fordhall Organic Farm, Market Drayton, Shropshire. 5.30pm-8.30pm. Children £5, adults free. For more information, call 01630 638696.

Wednesday, 30 October Postman Pat, Stourbridge Town Hall, Dudley. 1pm.

Adults £12.50, children £10.50, family of four £42. To book call, 01384 812960.

Saturday, 9 November Farmers’ Market, Stafford. 9.30am-4pm.

For details, call 01785 245935.

Saturday, 9 November Willenhall Bonfire and Firework Display, Willenhall Memorial Park, Walsall. Adults £3, children £1 and under 5’s free. For more details, call Walsall Council on 07736 388409/07736 388418 Thursday, 14 November (until 22 December) Frankfurt Christmas Market, Victoria Square, New Street, Centenary Square and Chamberlain Square, Birmingham.

10am-9pm.

Thursday, 21 November Poetry Group, Earlsdon Library, Coventry. 4pm-6.30pm.

Free.

Your NEWS

16

Our HOUSE

October, 2013

LIKE US ON FACEBOOK AND WIN £50 OF SHOPPING VOUCHERS!

Competitions Quiz Simply answer the following 10 questions correctly to be in with the chance of winning a £20 Love2Shop voucher, which can be redeemed at over 20,000 stores.

Send your completed questions to, The Accord Group, c/o Claire Morrall, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG or email them to clairemo@ accordgroup.org.uk by Monday, 4 November, 2013.

Remember to include the name of the competition that you are entering, your name, address and a phone or email contact. One winner will be chosen at random from all correct entries.

The winner of last issue’s competition was Mr. K Lawrence from Walsall.

To enter, simply ‘like’ our Facebook page at facebook.com/accordgroup

by Monday, 4 November, 2013, to be in with the chance of winning Love2Shop vouchers. One winner will be chosen from all those who ‘like’ the page. The winner will be announced on the Accord Group’s Facebook page.

1: What is the capital city of New Zealand?

2: Which country is the cheese mozzarella normally associated with?

3: Name the actor who will play the twelfth Doctor Who? 4: Which country was singer Michael Buble born in?

5: In which city is William Shakespeare’s play Romeo and Juliet set?

6: Name the male cricket captain who led England to victory in this year’s Ashes series?

7: What is the full name of the Duke and Duchess of Cambridge’s baby boy?

8: What breed of animal is an Akita?

9: Which historical figure was often dubbed “The Lady with the Lamp”?

10: You’ll find the next answer in this newsletter…. when is the closing date to nominate a Great Resident?

"

Wordsearch

Q

G

M

A

K

Y

N

F

J

D

N

H

C

S

P

I

D

E

R

L

U

X

L

K

K

A

V

A

W

Q

S

O

T

L

C

Q

E

P

U

J

W

H

W

W

S

V

A

M

P

I

R

L

K

K

O

E

M

T

Q

E

E

H

G

H

D

L

L

R

O

J

A

A

A

R

O

H

C

R

Simply find the word that is NOT in the wordsearch to be in with the chance of winning a £20 Love2Shop voucher, which can be redeemed at over 20,000 stores.

Spider

Send your answer to The Accord Group, c/o Claire Morrall, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG or email clairemo@accordgroup. org.uk by Monday, 4 November, 2013.

Ghost

B

E

O

C

B

E

H

W

I

E

O

N

O

Trick

W

R

C

S

L

R

I

N

P

R

S

J

N

Treat

B

V

N

H

K

T

I

H

M

U

T

S

K

Broomstick

U

N

G

K

C

K

P

P

A

Q

V

J

B

Werewolf

Z

V

J

H

P

E

K

Y

V

Z

Y

A

E

Vampire

J

C

D

M

V

A

V

D

E

J

T

L

P

Cauldron

L

D

U

B

R

O

O

M

S

T

I

C

K

P

P

Z

S

M

C

R

B

E

W

B

O

C

Remember to include the name of the competition that you are entering, your name, address and a phone or email contact. One winner will be chosen at random from all correct entries.

Witch Cobweb Pumpkin

Bat

Accord Group, 178 Birmingham Road, West Bromwich, B70 6QG. Tel: 0300 111 7000 Email: customerfirst@accordgroup.org.uk On request, we will do what is practical to translate information into different formats including large print, Braille and other languages.

If you need a document translated into a different language or format, call Customer First on 0300 111 7000.

The winner of last issue’s wordsearch was Miss J Finch from Walsall