Cheltenham Magazine August15

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August 2015

LOCAL EVENTS Tropical Paradise Gardening

by Pippa Greenwood

Victorian Style

Home & Interiors

by Katherine Sorrell

Martin Lewis First Time Buyers

The Millionaire Maker Local Writer Richard Denny

This month’s magazine distributed in

Charlton Kings • Charlton Park • Moor End • Prestbury • Pittville • Fairview • Bath Road • 10,000 copies

Also available to view online at www.cheltenham-magazine.co.uk

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From the Editor Hello Reader, It's official: School is out for the summer, the Wimbledon fortnight is done and dusted, the Cheltenham Cricket festival has finished, the 3 day long Rovin Fest was amazing and Cheltenham's Open Air Theatre Festival was awesome - and these were just samples of the many great events which took place in Cheltenham during July, so let's see what August has in store...

August in the Cotswolds for our family means a bit more time with the kids, great days out and fun times ahead. There's something for everyone: Leisure@Cheltenham have some great days for all ages, the Lido hosts the 2 peaks 1 pool challenge on 16th August and if you like your real ale, you will love the Real Ale Festival at the Town Hall on the 14th and 15th of August.

Finally, with our last Bank Holiday before Boxing Day, enjoy Cheltenham's delights and get ready for Winchcombe's Country Show on Bank Holiday Monday from 12 Noon. Hope to see you there!

Remember to please send us your article or pictures of your event, sports achievements or local club events and we will publish it in our next issue or post and share them on our Facebook page.

Vicky Muller

- Editor

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LOCAL EVENTS Tropical Paradise

LOCAL EVENTS

Gardening

by Pippa Greenwood

Victorian Style

Tropical Paradise

Home & Interiors

by Katherine Sorrell

Gardening

by Pippa Greenwood

Victorian Style

Martin Lewis

Home & Interiors

by Katherine Sorrell

First Time Buyers

The Millionaire Maker

First Time Buyers

This month’s magazine distributed in

Charlton Kings • Charlton Park • Moor End • Prestbury • Pittville • Fairview • Bath Road • 10,000 copies

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Tips from

The Millionaire Maker The media have called Richard Denny the millionaire maker. For over 30 years he has helped thousands of people into financial wealth, and others into greater achievement and happiness. His lectures, books, videos, DVD’s and CD’s are bought around the world and he lives right here in the Cotswolds.

Happiness Guaranteed Research has identified that war torn and African nations are the unhappiest in the world, not surprising really. The happiest nations are led by Switzerland followed by Iceland, Denmark and Norway. Britain is apparently 21st of the 150 nations researched.

People’s own evaluations of their lives in determining what it means to be happy considered factors such as wealth, health, life expectancy and their perceptions of corruption, social support and freedom to make life decisions. I find this really very sad because many of those factors are not in the control of the individual, so they believe. It’s almost as though their happiness is utterly dependent upon other people and circumstances over which they have little influence. Increasingly happiness is considered a proper measure of social progress. Yes I can understand this may be a measurement tool for politicians, particularly in a nanny state. I can assure you my happiness will never be in the hands of or controlled by politicians, the weather or the newspapers, ‘nor will it be in the hands of the council or parish council. My happiness is in my hands and so it is for you. So here are three ways for guaranteed happiness and we in this country have no excuse for not applying these principles in our own lives.

1. Always have something to look forward to doing, owning or experiencing. Our brain

functions so much better when we have something to look forward to and this can be from simple things in life, meeting an old friend, going for a walk or perhaps the acquisition of some new clothes, car, holiday...whatever.

2. Happiness comes from sharing, we all know the expression ‘a joy that is shared is a joy doubled and a worry that is shared is a worry halved’. I travel a great deal on my own and do eat in some magnificent restaurants, the meal is never great, but sitting with my wife having fish and chips can be a really happy experience. Many people when elderly lose a loved one but gain happiness sharing their life with a cat or a dog. We need to understand that for the vast majority of the human race happiness does come from sharing.

3. It is impossible not to be happy when you make someone else happy. Very sadly in the world that we live in people get married and then believe it is the role of their husband/wife to make them happy and for many they soon discover it doesn’t work like that. If ever you are feeling low or down or unhappy, find somebody for who you can bring a little joy into their lives, be it a phone call, a visit or even an act of kindness.

Three easy little tips all guaranteed to bring happiness into our lives, and your life is in your control. It is up to you to decide whether to be happy or unhappy.

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Page 9

Home & Interiors Victorian Style

It may not be the height of fashion, but there is much to be said for Victorian style, which is confident, distinctive and eminently comfortable, says Katherine Sorrell From society to science, politics to industry, the Victorian era was a time of enormous transformation. The middle classes expanded rapidly, and their homes became the perfect vehicles with which to show off both their newly acquired wealth and their cultural savvy.

The result? An interior style that was exuberant, eclectic and often over the top.

The high Victorian style was a riot of revivalism, and different periods were mixed with abandon. The main ‘Battle of the Styles’, however, was between ‘Greek’, (in other words, all types of classical architecture and decoration), and ‘Gothic’ (more or less any style reminiscent of Olde Englande).

The main ingredients for Victorian living were not so far from where we are today, give or take a tweak in colour and Page 10

By Katherine Sorrell

pattern. Tiled hallways and polished, dark wood floors with a central rug featuring large, bold patterns set the scene, while patterned wallpaper was de rigueur. Wooden furniture was dark, solid and often very large, but we would recognise much of it, from dressers and dining tables to sideboards and writing desks.

Upholstered seating was the major development from the preceding Georgian era. Coil springing had been invented in the 1820s, and Victorian sofas and chairs featured deep buttons and comfortable, curving shapes. Metal bedsteads were introduced to Britons at the Great Exhibition of 1851 – and have changed little in style ever since.

As far as colour choices went, the Victorians loved anything rich, deep and vivid.

These hues worked well with the dark brown furniture that predominated, but are best used judiciously today.

That said, they can be most attractive in the right place: deep shades, such as crimson, claret, bottle green, sharp yellow, purple, mahogany, terracotta and Prussian blue, were preferred for sitting rooms, dining rooms and studies; paler and fresher hues were considered to be more suitable for bedrooms.

Lighting has, of course, altered a great deal in the last 150

years or so. When Victoria came to the throne, oil and candle lamps were the only form of lighting in most homes, but during her reign first gas lighting was developed and then, at the very end of the 19th century, early electricity. There were a great many elaborate and ornamental styles of lamp, including swan-necked brass wall lights, flower-shaped glass shades and china lamps covered with floral sprigs.

The Victorian middle-class kitchen, used only by servants, was a very plain room, equipped with freestanding tables, with the sink in an adjacent scullery. And the bathroom only came into being as a separate room in the 1870s. Along with indoor bathrooms came distinctive sanitaryware – large, often colourfully decorated basins, and enamelled roll-top baths on ball and claw or scroll feet, much of which can be found in reproduction form for those with spacious enough rooms.

Because Victorians considered bare rooms to be in poor taste, their houses were filled knick knacks, objets d’art and collections, some of which are right on-trend today? Other Victorian accessories have not stood the test of time quite so well, including black and white miniature portraits and toby jugs. Nor has a helpful kitchen accessory, employed for anyone unlucky enough to suffer from cockroaches – a hedgehog kept in a box.

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d necessary must satisfy Company Limited d necessary must satisfy Company Limited

Prestbury, Cheltenham, Gloucestershire

6 Watershoot Bedroom Close, House with Garden Office £435,000 3 Prestbury, Cheltenham, Gloucestershire.

An impressive and much improved six bedroom detached family house with a home office constructed towards the end of its surprisingly large rear garden. Located at the end of a small cul-de-sac, with views to Cleeve Hill, this fine property is offered in very good decorative order and its accommodation on the ground floor comprises in brief3a Watershoot generous entrance hall,Prestbury, downstairs cloakroom, a living room with double Close, Cheltenham, Gloucestershire. doors opening into a dining room, a modern fitted kitchen, utility room and a double An impressive and much improved bedroom familyfive house with a home bedroom with an en-suite shower room.sixAbove theredetached are a further bedrooms, officethe constructed towards the end of its surprisingly large rear garden.

Located at the including master with a luxurious en-suite shower room, and a family bathroom. end benefits of a small cul-de-sac, withcentral views heating, to Cleeve Hill, this fineand property is offered Further include gas fired double glazing off road parking.in very good decorative order and its accommodation on the ground floor comprises in brief a generous entrance hall, downstairs cloakroom, a living room with double doors opening into a dining room, a modern fitted kitchen, utility room and a double bedroom with an en-suite shower room. Above there are a further five bedrooms, including the master with a luxurious en-suite shower room, and a family bathroom.

Further benefits include gas fired central heating, double glazing and off road parking.

DRAFT DETAILS

DRAFT DETAILS

3 Watershoot Close, Prestbury, Cheltenham, Gloucestershire 3 Watershoot Close, Prestbury, Cheltenham,

Disclaimer: An impressive and much improved six bedroom detached family house with a home Gloucestershire Conditions under which particulars are issued Nigel Errington-Smith & Company Limited for themselves and for the Vendors of this property, whose agents they are, give notice that: office constructed towards the end of its surprisingly large rear garden.

1). The particulars are set out as a general outline for the guidance of intending purchasers, and do not constitute part of an offer or contract. 2). All descriptions, dimensions, references to condition and necessary Anforimpressive and much improved bedroom family with home purchaser should not rely on them as statements or representations of fact but must satisfy permissions use and occupation and other details aresix given in good faithdetached and are believed to house be correct.

Anyaintending themselvesoffice by inspection or otherwise as to the correctness of each of them. 3). large Photographs have been constructed towards the end of its surprisingly rear may garden. taken with a wide angle lens. 4). No person in the employment of Nigel Errington-Smith & Company Limited has any authority to make or give any representation or warranty whatever in relation to this property.

For the Guidance of Interested Parties:

a). If any particular points are important to your interest in the property then please ask for further information. b). We have not tested any of the services, appliances, equipment or facilities and nothing in these particulars shall be deemed to be a statement that they are in good working order or that the property is in good structural condition or otherwise. c). It should not be assumed that any contents, furnishings or other items are included in the sale or that the property remains as photographed and as described. No assumptions should be made about any part of the property, which is not photographed or described. d). Any areas, measurements, distances or aspects referred to are for guidance only and are not precise. If such details are fundamental, purchasers should rely on their enquiries. e). It should not be assumed that the property has all necessary planning permissions, building regulations or other required consents. Where any reference is made to such permissions and consents it is given in good faith. f). Purchasers must satisfy themselves by inspection of the property and relevant original documentation or otherwise regarding the items mentioned above and as to the correctness of each of the statements contained in these particulars. g). The information in these particulars is given without responsibility on the part of Nigel Errington-Smith & Company Limited or their clients.

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Directions

Leave Cheltenham town centre via Evesham Road (A435). At the racecourse roundabout bear right onto New Barn Lane. After

Price: On Application

Tenure:

approximately half a Close, mile take a left turn (by the postCheltenham, box) into 3 Watershoot Prestbury, Freehold Brymore Avenue. Take the first left turning into Linden Avenue Gloucestershire and then take the fifth turning on the right into Apple Orchard.

Take the first right turning into Watershoot Close where the

Contact:

An impressive and much improved six bedroom detached family house a home Nigelwith Errington-Smith property can be found straight ahead. office constructed towards the end of its surprisingly large rear garden. Price:

Directions Leave Cheltenham town centre via Evesham Road (A435). At the racecourse roundabout bear right onto New Barn Lane. After approximately half a mile take a left turn (by the post box) into Brymore Avenue. Take the first left turning into Linden Avenue and then take the fifth turning on the right into Apple Orchard.

Take the first right turning into Watershoot Close where the property can be found straight ahead.

On Application

3 Watershoot Close, Pres

Tenure:

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Leave Cheltenham town centre via Eves racecourse roundabout bear right onto approximately half a mile take a left turn Brymore Avenue. Take the first left turn and then take the fifth turning on the rig Take the first right turning into Waters property can be found straight ahead.

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August 2015

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LOCAL EVENTS

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GROW Your Business

Tropical Paradise

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Tropical Paradise Home & Interiors Gardening

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by Pippa Greenwood

Victorian Style Martin Lewis

Home & Interiors First Time Buyers

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To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Local Schoolgirl Wins National Competition To Design New Rspca Van

Local school girl, Emily Parsons, has won a competition that has seen her artwork wrapped around the entire outside of a new RSPCA van.

Emily, 9, who attends Greatfield Primary School in Up Hatherly in Cheltenham, entered the unique competition that called for children from across the country to design the exterior of a fleet of RSPCA vans.

The vans, which were provided by the charity’s partner, Volkswagen Commercial Vehicles, will be used to help transport 20,000 animals in need of care all over the country – saving the charity £800,000 a year, as well as allowing them to give treatment to more animals in need of veterinary care.

The Volkswagen Crafter van has not only been wrapped with Emily’s design, but has also had its huge cargo space specially converted for the specific needs of the RSPCA, ensuring the animals are transported in comfort.

Along with other competition entrants, Emily was asked to

colour-in a downloadable template of all four sides and the roof of the van. Her winning design was picked by judges from the RSPCA and Volkswagen Commercial Vehicles, turned into a ‘wrap’ by expert graphic designers and then applied to the outside of the van.

Along with her entry Emily wrote the following: “I would like you to pick my van design because I think it tells people what all the needs are. I also think that you should care for the animals.”

said “Working in partnership with Britain’s businesses and organisations is really important to us and it’s Fresh from the factory, the first fantastic to know that these vans will destination for the van is Emily’s be doing such vital work. school so the young designer “This competition is one of a kind and all her classmates can and we’re very excited to see appraise the van in person.

Emily’s design on one of our vans.”

Head of Fleet for Volkswagen Commercial Vehicles, Chris Black

PRESTBURY PANTHERS NETBALL CLUB A NEW and exciting sporting club for U11’s in the community of Prestbury, offering girls and boys the opportunity to learn NETBALL and skills in an enjoyable and positive environment.

Currently registering players from Year 3 to 6 for September 2015.

Training at Pittville School on Saturday mornings.

Please contact info@prestburypanthers.co.uk or visit our website www.prestburypanthers.co.uk for further details.

Please mention Cheltenham Magazine when responding to advertisers

Page 13

Tropical Paradise

by Pippa Greenwood As the summer’s end is not too far away, many of us will be wishing for that exotic holiday we never quite had.

But you can recreate that Typically Tropical Feel in your own garden instead. The temperatures may not be quite what they might be on a real exotic holiday, but it’ll certainly help to make your garden feel warmer and more appealing, and you can be sure that it’ll last a lot longer than the classic two week long trip.

are great and fast growing too. For very bold, colourfully striped foliage and screaming orange flowers try Canna ‘Tropicana’, or for a larger than life effect try the banana Ensetes ventricosum ‘Maurelii’ which grows very fast and has wonderfully rich purple-green leaves.

A tropical oasis might be particularly well suited to an urban garden, where temperatures are often warmer and conditions more sheltered and protected, but even if your garden gets its fair share of frosts you can still make an impact using a mixture of tender and hardy plants all of which have that exotic feel to them. Plant closely or fill ‘gaps’ with temporary plantings of the less hardy tropical look plants and you will create that dense, lush looks which spells tropical paradise.

If you want more than just foliage, the bulbous Eucomis bicolour has out-of-this world greenish yellow flowerheads which give it the common name of ‘pineapple plant’. Another favourite of mine is the Angel’s trumpet. These gorgeous looking plants may be very poisonous but the flowers of Brugmansia (previously known as Datura) as angel’s trumpet is also known, take some beating – choose white, yellow or cream and enjoy their perfume and elegant good looks. Although not hardy if you grow it in a pot it can be kept in the garden during all but the worst weather and then brought out again once it has started to warm up the following spring.

Lush, large leaves will always help to create a rainforest or exotic atmosphere and you could even grow a miniature banana called Musa ‘Basjoo’, which shows a good degree of hardiness. Indian shot plants, also known as the cannas

Don’t forget the vertical surfaces such as trellis, walls and fences as they too can be given a floral and foliage makeover. These may look boring now, but will look great when covered with passion flowers, ornamental vines or

Page 14

the pretty Cobea scandens commonly known as the cup and saucer plant.

Then add to the ‘action’ using a few dramatic features – perhaps a Trachycarpus fortunei palm in open ground or a pot, or in the form of a sculpture or statue. If you go to the garden centre, many statues and garden ornaments are much more affordable than you might think. Partially hidden with some lush foliage they help to add to the jungle-like atmosphere.

There are plenty of tropicaleffect plants to choose from including: tree ferns, phoenix palms, yuccas, cordylines, Rodgersia pinnata, Gunnera manicata, Rheum palmatum, cycads, citrus (including lemons, calamondin orange and other fruiting varieties) and bamboos.

So, you see, the potential is there to create a holiday paradise without having to leave home, brave delays at the airport, find a house or petsitter…..all you need now is a deck chair and a cocktail or two, delivered on a tray!

Visit Pippa’s website www. pippagreenwood.com for Nemaslug & other biocontrols, Speed Hoes, Speed Weeders SoftTie, pop-up crop covers, copper tape and lots more besides.

To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Photo competition launched to capture Cheltenham’s beautiful urban meadows has been Cheltenham’s urban meadows are embraced flowering even bigger and better this year. so wholeFollowing the huge heartedly by positive response local residents. from residents last I would like to summer, when the congratulate meadows were the council increased from officers who 7,500 square metres to 75,000 square were involved metres, large swathes are now in bloom. in the planting - they have done a fantastic job in Janice Peacey, community ranger for adding colour to the town. Good luck to all those Cheltenham Borough Council, has set taking part in our photo competition!” residents a challenge to capture the best To find out more and to enter the competition, photographs of the wildflowers. visit our website (www.cheltenham.gov.uk/ Photos can be submitted in three wildflowerphotos) fill in the consent form categories: wildlife in the wildflowers; and email the form with your photographs to families enjoying the displays; capturing greenspacedevelopment@cheltenham.gov.uk the flowers at their location (not just close (total email size should not exceed 20MB). The ups of the flowers but images that show competition runs until 5pm on Wednesday 30 where they are in the borough).

September.

Age ranges for the photograph competition are: budding photographers (under the age of 14); and adults (entrants must be over the age of 14 by the closing date).

Janice says: “We had so many positive comments and photos sent in about our urban meadows project last summer that this year we have increased the size of the meadows again wherever possible, Garden Design Grass Cutting and thought it would be really fun to run a Garden Maintenance Turfing photo competition.

• Garden Design • Garden Maintenance • Grass Cutting Hedge Cutting Hedge Laying “In Pittville Park near the tennis courts we have increased the area, almost doubling • Hedge Cutting • Hedge Laying Tree Felling Tree Care the size of the urban meadow area and• Tur�fing • Fencing also in Swindon Village Park the area has Tree Planting • Woodland Management • Tree Felling been doubled in size. Woodland Management “Cheltenham has many green open spaces • Tree Planting • Tree Care and by increasing the number and size of flower meadows across the town we help the wildlife; from insects through to birds, as well as providing visually appealing views for the parks users and visitors."

Contact for a “We’d love residents and visitors to FREE QUOTE capture the meadows and show us from their perspective what the meadows mean Mobile: 07890 033247 to them.”

Telephone: 01242 602945 Councillor Chris Coleman, cabinet member Fully Insured & Qualified for green environment says: “It is great to see that the urban meadows project

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To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Volunteers Needed!

Change someone’s life and enrich your own Bu

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With the countdown to the 2015 Rugby World Cup underway, the prestigious Webb Ellis Cup has been doing the rounds across the UK ahead of the competition which starts mid-September.

Locally, Gloucester Rugby's Kingsholm Stadium will host four matches: Tonga vs Georgia, Scotland vs Japan, Argentina vs Georgia and USA vs Japan.

Gregg spoke with RFU President Jason Leonard who told him how amazed he was by the number of people that turned up to have a glimpse at the famous trophy that England won in 2003.

Jason also told Gregg that Rugby is a Grassroutes sport that can be enjoyed by both sexes.

He is actively encouraging children to join their local club - you never know maybe your child too will hold this trophy after winning the Rugby World Cup one day.

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Cheltenham Magazine's Gregg Upwards Gets His Hands On Webb Ellis Cup

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The Cheltenham Festival of Bikes Sunday 23rd August, Cheltenham Town Hall

For the first time ever, motorbikes inside Cheltenham Town Hall!

Cheltenham is to host a magnificent exhibition featuring over one hundred exquisite classic motorcycles, stunningly engineered custom bikes and rare race specials.

The Cheltenham Festival of Bikes is to be staged on Sunday 23rd August 2015 inside the Town Hall and the Imperial Park.

The grand exhibition and festival is organised

by Cheltenham based ShowCo Limited, an independent event management company, who also stage KICKBACK which is the national custom bike show.

The organisers are pleased to confirm that The Cheltenham Festival of Bikes has secured support from local motorcycle dealerships and suppliers such as Cheltenham Harley Davidson and Performance Triumph from the Blade Group as well as Oily Rag Clothing, MHP and Tewksbury MOT Centre.

The Festival will feature a spectacular showcase and collection of the UK’s finest motorcycles, ranging from beautiful and exquisite classics and brilliantly engineered customs to rare race specials, cafÊ racers and brat style motorcycles!

There will also be a programme of workshops including How to Airbrush, How to Pinstripe and How to Restore. Inside the Town Hall will also be a good selection of exhibitors and traders selling everything from accessories and parts to clothing and helmets.

Advance tickets are on sale now and can be purchased from www.FestivalOfBikes.com The Cheltenham Festival of Bikes is a KICKBACK presentation and organised by ShowCo

More info from Lorne Cheetham lorne@rwrw.co.uk 07758 368 072 www.TheCustomShow.com www.FestivalOfBikes.com Page 18

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To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

MARTIN LEWIS First Time Buyers

By Martin Lewis @moneysavingexpert It’s perhaps the cheapest time in history to get a first time buyers’ mortgage – with rates at historic lows and the new Help to Buy ISA due. Yet that’s not the same as saying it’s the best time to buy a house. Property is an ‘asset class’ that means prices move – so never assume buying a home is as safe as houses.

It’s far more important to examine your own reasons for buying. If it’s a long term place to live, to give you security of tenure, and the repayments are affordable (possibly even cheaper than renting) it's a reasonable aim.

Here’s what you need to know…

your home's current value you are borrowing. eg, a £20,000 deposit on a £100,000 means you’re borrowing £80,000 – so it’s an 80% LTV. The lower the LTV, the better deal you can get.

Step 1. Learn the lingo. A mortgage is likely to be the biggest financial transaction you'll make, so arm yourself with knowledge to understand the terms commonly used. Here are the key facts you’ll need to understand about any mortgage.

Imagine you've a £150,000 home, and want a £136,000 mortgage. That's a 90.7% LTV, the top 2 year fix is 3.98%. Yet if you use £1,100 of savings to reduce the borrowing needed, you'd cross a threshold and be at just under 90%, where the top 2yr fix is 2.69%. This would save over £700/year in mortgage payments alone.

a. The Rate: This is the interest you are charged, and it dictates the amount you repay each month. b. The Type: Most mortgages have rate reductions for the first two to five years. These come in a few types. Fixes are where the rate is locked in. Trackers are where it can only move in relation to UK base rate moves. And variable rate, where they tend to move with UK base rates, but can also move at the lenders whim. c. Length of the deal: If it's a short-term deal (eg, a 2yr fix), when does it end? d. Term: How long is the entire mortgage borrowing length - eg, 25yrs, and when will it be fully repaid? e. Penalties: Are there any early-repayment penalties if you try and pay it off or move, before the deal ends? f. Can you overpay? Are you allowed to pay more off without any penalties? This can be very useful as it means you pay less interest over the mortgage terms and clear the debt more quickly. g. Your loan-to-value (LTV): The proportion of

To help with this I’ve a totally free 60 page FirstTime Buyers mortgage booklet you can download from www.mse.me/FTB which takes you through everything in more detail.

Step 2. Deposit, deposit, deposit. Every 5% bigger deposit up to 40% cuts the rate - so a little more can have a big impact.

Of course saving for a deposit is often a struggle. From autumn you’ll also be given the chance of a cash boost towards buying your first home if you save into a new type of Help to Buy ISA. You can save up to £200 every month and the Government will add 25% on top (so £50 on £200). You can also save an additional £1,000 when you first open it, meaning you can save £1,200 in the first month (that will have £300 added on top of it).

The minimum you need to have saved to get the bonus is £1,600 (so a £400 bonus), and the maximum the Government will contribute is £3,000 (so that means you will have saved £12,000). For full information see www.mse.me/helptobuyisa.

Step 3. Speedily compare to benchmark your cheapest. It’s important to start to work out the exact cost you’re likely to pay as soon as CONTINUED ON NEXT PAGE

CONTINUED FROM PREVIOUS PAGE - MARTIN LEWIS

possible. Mortgage rates are currently the lowest they have ever been, with even 5 year fixes below 2% (if you’ve a big enough deposit). While there is always the chance that they could sneak even cheaper, there’s not that much room to fall, yet there’s far more room for them to rise in future.

Buy scheme (ie, not the original only for new builds) is about the Government giving LENDERS a guarantee to enable them to offer more 5% deposit mortgages, meaning more are available.

If you're looking for a 5% deal, it makes no difference to you whether it's a Help2Buy or not.

Just go for the best available.

To find a mortgage you want to look across the whole market if possible. There are a number of lenders like Yorkshire BS, Tesco Bank and HSBC who only offer their mortgages direct, and these may be missed by mortgage brokers. So it’s important to start by doing a comparison that includes all deals. My own www.mse.me/mortgagebestbuys comparison tool does, as does www.moneyfacts.co.uk and Googles mortgage tables.

Step 6. Fixed or variable? With a fixed mortgage, the amount you repay is, er, fixed so it's like buying an insurance policy against possible rate rises. Variable deals move with UK interest rates (sometimes just at the provider's whim). Currently you only pay a touch more to fix.

Step 4. Two things that can kibosh your application. The days when lenders flung out deals to all and sundry are long gone. Getting accepted is now a challenge – I would suggest you start preparing and you position yourself at least a year in advance, or failing that as soon as possible. a) The credit check. It's crucial to manage your credit score, preferably months in advance, eg, never make late payments, minimise other applications and put a landline not a mobile on applications. See my 35 credit score boosting tips at www.mse.me/creditscore to make sure that you’re in good financial shape.

It's very difficult to predict future interest rate moves. Even top economists are singing a different tune now from a year ago, and there's even the possibility they may fall before that. So focus on your own situation.

The more crucial the security of knowing exactly what you'll pay, the more you should edge towards fixing (& fixing longer). If cracking the rock-bottom deal's your driver, edge to shortterm trackers.

Word Ladder

Change one letter at a time (but not the position of any letter) to make a new word - and move from the word at the top of the ladder to the word at the bottom, using the exact number of rungs provided.

B L U E

b) Affordability checks. Lenders must stress-test if your mortgage is affordable, even if rates were 6-7%. They'll want evidence of income, big bills, expenses, even eating out. So being frugal in advance helps.

Step 5. Don't fall for 'Help to Buy Mortgage' branding. While much hyped, the main Help to Page 22

©Puzzlepress.co.uk

One way to navigate through these checks, is to use a top mortgage broker, you can search for one using www.vouchedfor.co.uk or www.unbiased.co.uk - they have info on how harsh each lender's checks are, and can help ease acceptance. You’ll generally pay a fee for face to face advise though brokers like www.lcplc.co.uk operate fee free via the phone (they get a fee from the lender).

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Sudoku Time

Holiday Fun At Sudeley Castle Sudeley Castle will be bringing back their popular Children's Wednesdays throughout August - expect storytelling, history shows, arts & crafts, magic, giant games, Punch & Judy and dance workshops - the line-up varies each week so check details on their website: www.sudeleycastle.co.uk.

New for 2015 they will also be introducing 'Adventure Mondays', featuring Dragon Trekking, Archery and Time Travel shows!

The jewel in the crown of their events calendar however will take place over the weekend of 22/23 August with 'Loyaulte Me Lie' - a whole weekend devoted to the period when Richard III ruled England and owned Sudeley.

Highlights include the King on horseback, the round table of his Privy Council, soldiers, archery, minstrels, craft activities, medieval traders and more!

All events are included in the price of general admission or 12 month passes.

Sudeley Castle & Gardens, Winchcombe, Gloucestershire, GL54 5JD Open daily from 10am until 5pm

Page 24

To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

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hookmason architecture have extensive experience within a dedicated team that are passionate about the projects we undertake for both Private and Commercial clients.

Much of the Practice’s work involves the repair and creative reuse of traditional and historic buildings however Hookmason equally has a passion for contemporary architecture in its many forms.

Market Sectors include; • Residential • Ecclesiastical • Retail • Leisure • Commercial • Industrial • Education • Healthcare • Building Surveys • Defence and Justice Sectors

With over 20 staff hookmason’s Architects, Architectural Technologists and Building Surveyors blend design flair with technical and project management skills. The professional job runners are supported by a team of technical assistants to ensure clear and accurate presentation of design and working drawings.

As a practice hookmason place a strong emphasis on the quality of service and attention to detail, including clear and prompt communication, project programming, detailed specifications, careful control of materials, workmanship on site and project cost control.

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l•Architecture Architecture l•Feasibility Feasibility studies Studies •Building plans l•Technical drawings lMaster Planning Planning Submissions •Planning submissions lBuilding Regulations lDetailed Drawings •Tender documentation & building procurement lContract Administration •Fire floodreinstatement reinstatement works works l Fire and & Flood lBuilding Surveys

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Please mention mention Newent Cheltenham Magazine responding to advertisers Please Magazine whenwhen responding to advertisers

Page Page25 9

Cake and Bake Caramel Apple Sponge Bake This delicious moist sponge makes a perfect pudding for a special lunch. Serve warm or cold with ice cream or a spoonful of tangy crème fraiche.

Ingredients: • 100g granulated sugar • 4 tbsp cold water • 2 dessert apples, peeled, cored and thinly sliced • 200g self-raising flour • � tsp baking powder • 1 tsp ground cinnamon • 200g caster sugar • 200g unsalted butter, softened • 3 large eggs, lightly beaten • 3-5 tbsp milk • Icing sugar, to dust • Scoops of vanilla ice cream and lemon balm sprigs, to serve

Makes 9 squares Ready in 1 hour 10 minutes Page 26

1. Preheat the oven to 180C, fan 160C, Gas 4. Grease a 23cm square shallow cake tin and line the base and two sides with a baking paper.

2. Put the granulated sugar and water in a heavy-based saucepan and heat gently, stirring until the sugar has dissolved. Bring the syrup to the boil and continue boiling, without stirring, until the syrup has turned to a golden caramel.

3. Carefully pour the hot caramel into the base of the prepared tin.

Arrange the apples slices over the caramel (don’t worry if the caramel has set).

4. Sift the flour, baking powder and cinnamon into a large bowl and add the caster sugar, butter and eggs. Using a hand-held electric whisk, beat the mixture for 2-3 minutes until smooth and creamy. Whisk in enough of the milk to give a soft dropping consistency.

5. Spoon the mixture over the apples and gently level the surface. Bake in the preheated oven for 35-45 minutes or until the sponge is golden and springy to the touch and a skewer inserted into the centre comes out clean.

6. Leave the cake to cool in the tin for 10-15 minutes then carefully lift it out of the tin using the baking paper up the two sides of the tin. Cut into 9 squares and serve warm or cold, dusted with icing sugar. Top each square with scoop of ice cream and decorate with a sprig of lemon balm.

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Replace the apple slices with peeled and sliced pears or try peeled and segmented oranges for a lovely citrus flavoured dessert.

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To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

The Lions Club of Cheltenham This year the Lions Club of Cheltenham is celebrating the fifty-fifth anniversary since its formation. The Club is part of Lions Clubs International with over 70000 clubs and 1.4 million members world wide.

Each club is autonomous, responsible for its own fund raising and how money raised is spent.

Since its formation the Cheltenham Club has raised in excess of three quarters of a million pounds, most of this has been used for the benefit of the towns inhabitants. This includes large donations such as equipment for the Hospital to more regular help with scout troops, the homeless and needy.

In 1983 the Club purchased its first Holiday Caravan for local disabled people at Burnham on Sea, this was replaced in 1992 and again in 2011. Over 2000 local people have benefited from a break, including families from Acorns Children’s Hospice, Hopkins Trust and Cheshire Home, people are also recommended by doctors and social services.

As stated money raised is used locally but in the case of international disasters the Club will raise funds for use by our international or national organisations. At the time of the Tsunami £22,000 was raised in one week

and sent directly to the disaster

areas. More recently the Club has raised over £700 for Nepal, this was used by our national organisation to purchase water purifiers.

Recent fundraising events have included Plant Sales in Bath Road and Charlton Kings, and a concert at the Town Hall. The Club hope to have their Annual Book Sale in the near future.

Help has been given to other organisations in recent months: The National Star Centre's Thriller Run and the British Heart Foundation's Cycle Run. The Club has raised funds and helped run two PSA clinics with the Cotswold Prostate Cancer Support Group, one in Churchdown and one at the Pump Rooms, another is planned for October at Walls Social Club.

The Club also enjoys an active social life with meals and trips for the members.

The Club, for both men and ladies, meets on the second and fourth Monday of the month at the Victory Club.

Anyone interested in finding out more can contact the Membership Chairman Peter Weir on 07973 807159.

- by David Green, PR Officer Lions Club

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CHE LTEN HAM CHE LTEN HAM YOUR LOCAL COMMUNITY MAGAZINE www.cheltenham-magazine.co.uk

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August 2015

August 2015

LOCAL EVENTS

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Gardening

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Victorian Style

Tropical Paradise Home & Interiors Gardening

by Katherine Sorrell

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Home & Interiors First Time Buyers

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The Millionaire Maker Martin Lewis Local Writer Richard Denny

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available to view online at www.cheltenham-m Local Writer RichardAlso Denny

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Page 27

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We are a fully Gas Safe registered business and our engineers hold the relevant qualifications. You can be assured of safety at all times.

Mini Cryptic Crossword

Page 30

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13. Goes in a spin to suffer torment (7) 14. Perch on fire (6) 16. Bottled spirit, perhaps? (5)

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©puzzlepress.co.uk

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18. Loosen at a French party (4) 20. Got up with a Roman cloak (4)

To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Golden Years Memories of 50 Years Ago by Ted Bruning

Will African-Americans be holding street parties and torchlight parades on 6th August this year? They should – it’s the golden anniversary of a landmark in the struggle for civil rights. For on that day the US President signed into law, in the presence of Martin Luther King and Rosa Parkes, the Voting Rights Act that finally abolished literacy tests, property qualifications, “moral character” tests and all the other devices by which the Southern states maintained white supremacy.

Texan-born Lyndon Baines Johnson was a Southern Democrat. But while many Southern Democrats were avowed segregationists, Johnson was different.

Precociously intelligent but from a poor background, he had been exposed when young to the Social Gospel doctrine that saw the New Testament as not just religious but political too. He then had to work his way through college to become a teacher, and sharing the struggle of black and Mexican students helped him see America from their point of view.

Abandoning teaching for politics, he was elected to Congress in

1937 and gained a reputation as a hardheaded fixer, a manipulator, a wheelerdealer and when necessary a bully.

Elected to the Senate in 1949, he spent six years as Majority Leader, honing his political skills but keeping his radical instincts under a bushel. He was chosen as John Kennedy’s running mate in 1960 not because the Kennedy clan admired him – quite the opposite – but because as sophisticated New Englanders they believed they needed a rustic southerner.

When Kennedy was assassinated, the Voting Rights Act 1964 was in preparation.

It was the third in a series, all of them ineffectual, and Johnson wasn’t satisfied. As president in his own right he was dissuaded from drafting a tougher replacement so soon; but only a month after his inauguration came the Selma-Montgomery Marches when black Alabamans came out in protest at being denied the vote. Over a period of weeks they were beaten and brutalised by state police – on live TV. On 18th February a young unarmed black man was shot dead; and the brutality with which the police thwarted an attempt to hand in a petition to governor George Wallace on 7th March earned the day the

name “Bloody Sunday”.

America was scandalised and Johnson immediately ordered the Justice Department to draft ““the goddamnest toughest voting rights act that you can devise”, unveiling it on 15th March with a speech that ended with the words “we shall overcome”. He backed words with action by sending Federal marshals to protect the final Selma-Montgomery March two days later.

It took all his political skills, and Dr King’s help, to get the Act through Congress. And when Johnson was finally able to sign the VRA on 6th August he did so with a speech that still has to the power to draw tears.

This came at the beginning of an administration that saw the creation of Medicare, the end of segregation in public facilities from gas-station washrooms to universities, and a huge improvement in living standards for America’s poorest. But LBJ was never liked – he was always on the edge of scandals, always suspect – and in the end his reputation was destroyed by Vietnam. It is an enduring tragedy that his epitaph should be: “Hey, hey, LBJ! How many kids did you kill today?”

Please mention Cheltenham Magazine when responding to advertisers

Happy 50tH BirtHdays to Sam Mendez (1st), Cheryl Fergison (Eas (27th), & Shania Twain (28th).

Cake and botox to you all!

Page 31

Summer In Tewkesbury

As The Roses is redeveloped, we offer an exciting programme of events, films and activities at The Watson Hall and Victoria Gardens. For full information on our summer season of events, visit www.rosestheatre.org.

Ladies Night

A Midsummer Mr Holmes PG Night’s Dream From Fri 7 Aug

Ladies Night Fri 7 Aug 7pm

Sun 2 Aug 3pm

Victoria Gardens

The Watson Hall

Twelfth Night Minions U Tues 11 Aug 7pm

From Fri 14 Aug

The Wind In The Willows

Tues 11 Aug 2.30pm The Watson Hall

The Selfish Giant

Victoria Gardens

The Urban Folk Quartet

Tues 25 Aug 2.30pm Tues 25 Aug 7.30pm Victoria Gardens

The Watson Hall

The Watson Hall

The Watson Hall

Over the summer The Roses’ Box Office phone line will be manned between 10.30am - 5pm Monday to Friday and 10am - 1.30pm Saturdays.

For those wishing to book in person, a Box Office will be located at The Roses Charity Shop, 149 High Street, Tewkesbury, GL20 5AL between 9.30am - 4.30pm Mon to Sat. There will also be a Box Office open for one hour before all events, for cash sales only.

Box Office: 01684 295074 • www.rosestheatre.org

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www.cretetrading.com CODEWORD Each letter in this puzzle is represented by a number between 1 and 26. The codes for three letters are shown. As you find the letters enter them in the box below.

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Please mention Cheltenham Magazine when responding to advertisers

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Page 33

Around Britain Famous Streets & Roads 1. Chapel Street, Stratford-upon-Avon, Warwickshire - Once standing on the corner of Chapel Street in Stratford was New Place, the final home of William Shakespeare. Built in 1483, Shakespeare purchased the house in 1597 but it’s believed that he didn’t move into it until 1610. He remained there until his death, in 1616.

2. Ebenezer Place, Wick - When Mackays Hotel in Wick was built in 1883, it was decided that the building’s shortest side nevertheless constituted a street in its own right, and so, despite being just 206cm (81 inches) long, Ebenezer Place was created. The street is now officially recognised as the shortest street in the world.

3. Ffordd Penllech, Gwynedd - A prime contender for the steepest road in Britain, Ffordd Penllech in Harlech leads down from Harlech Castle in Gwynedd. So steep that it has been signposted ‘unsuitable for motors’, the one-way road (that is, downward traffic only) has a gradient of 18°, or almost 1:3.

4. Parliament Street, Exeter - A plaque at the entrance to Parliament Street in Exeter states that it is ‘believed to be the narrowest street in the world’. Although that honour actually belongs to a street in Reutlingen, Germany, at just 64cm (25 inches) at its narrowest point, Parliament Street is certainly a contender for the narrowest named street in Britain.

5. Pudding Lane, London - Pudding Lane is perhaps one of the most infamous addresses in London, having once been the site of Thomas Farriner’s bakery where, shortly after midnight on September 2 1666, the Great Fire of London broke out. Within three days, the fire destroyed almost four-fifths of the city. © Taken from The British Isles: A Trivia Gazetteer by Paul Anthony Jones

Medical Conditions Choosing from the list on the right, can you give the names by which the conditions on the left are more commonly known?

1 2 3 4 5 6 7 8 9 10

Page 34

Daltonism Diplopia Epistaxis Halitosis Hypertension Myocardial infarction Nocturnal enuresis Odontalgia Onychocryptosis Singultus

Bad breath Bedwetting Colour blindness Double vision Heart attack Hiccups High blood pressure Ingrown toenail Nosebleed Toothache

To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Chalk Talk For many of us, education is pretty high up on the list of priorities. Our town’s motto, Salubritas et Eruditio, translates as ‘health and education’ and our proud reputation for academic excellence is one of the reasons why Cheltenham is such an attractive place to live.

But for the last twenty years or so, Cheltenham’s dedicated local teachers have fought to maintain those high standards in the face of a raw deal on schools funding. Gloucestershire is one of the 37 lowest funded local authorities in the country.

That makes a significant difference. Children in the top ten highest funded local authorities receive on average

around £6,300 per pupil, whereas those in the bottom ten receive around £4,200.

That discrepancy is simply not justified in my view. Cheltenham’s schoolchildren should not be penalised on the basis that they happen to live here. I’ve been raising this issue in Parliament at every opportunity. Aside from highlighting it in my maiden speech, I referred specifically to this injustice in a debate in the House of Commons earlier this month. The positive news is that the Government appears to be listening. The Prime Minister has confirmed that the £390 million of extra cash for underfunded education authorities will be incorporated onto baseline funding for future years. That’s good news, but we need to keep up the fight.

Over the coming weeks I will be inviting Cheltonians to sign my petition calling for fairer school funding which I will then present in the main Chamber of the House of Commons.

- by Alex Chalk

Can businesses boost Pittville Park play area plans?

Cheltenham Borough Council has big plans in store for its most popular play area at Pittville Park and is asking businesses if they would like to support them with their vision.

The council wants to make the play area an outstanding one for children of all ages and abilities to enjoy and has committed to spending around £300k to the project. In order to deliver their goal the council is asking businesses, both local and national, if they would like to get involved to support the venture.

The project is in its early stages and it is hoped it will be completed during 2016. A public survey has been completed with over 300 responses received, which shows how important this play area is to a lot of people.

Currently the project is going through a tender exercise to

select a design that reflects the ambition we have for the play area and includes results from the questionnaire, along with many other great suggestions.

At this stage potential contractors will be conducting site visits to survey the play area. Posters have been put up around the area informing park users of this.

Adam Reynolds, green space development manager, says: “We want to create an outstanding play area that is accessible to children of all ages and abilities. This is a major undertaking but it’s important we invest in our green spaces and play areas to ensure they provide an exciting enjoyable experience and support healthy lifestyles.”

Cllr Chris Coleman, cabinet member for clean and green,

continues: “Residents from across the borough, county and beyond use this park so we want to ensure we get it right.

We are committing over £300k to this project but in order to make this a flagship scheme we’d like to spend £500k.

We’re asking businesses to support this fantastic project.”

If your business is interested in supporting Pittville Play area please contact Jane Stovell, Pittville play area rejuvenation project manager at jane.stovell@cheltenham.gov.uk

Please mention Cheltenham Magazine when responding to advertisers

Page 35

Finance Credit Cards for the Stages of your Life

By Ann Haldon With so many different credit cards to choose from, knowing which one is right for you often depends on the current stage of your life. Whether you’re a young adult just starting work, coping with the financial demands of a young family, or are approaching retirement, here are some of the features and benefits to watch out for.

StudentS & graduateS Most student account ‘packages’ include a credit card for those who qualify, and generally offer an average Annual Percentage Rate (APR) of around 19%. Credit limits are unlikely to be more than £500, but this is often all that is needed to provide a financial cushion.

HSBC student credit card Offered alongside their student current account, you can make payments and view your balance online. Their representative variable APR is 18.9% - average for this type of card, with no annual fee payable.

Graduate cards work in much the same way, often linked to a ‘graduate’ account, and with a similar credit limit and APR. A slight difference is that some banks offer the facility to transfer an existing balance over to your new graduate card at 0% interest for a limited time.

Lloyds Bank graduate card Lloyds offer a limit of up to £500 on credit cards if you are Page 36

a graduate current account holder. A selection of cards is available depending on your income as a new graduate, with some cards offering 0% interest on balance transfers.

Young famiLY rewards cards

Parents of young children may prefer to receive rewards and incentives from a credit card.

These could include free travel insurance, commission-free foreign currency, free days out and money-off vouchers for meals at child-friendly restaurants. tesco Clubcard credit card Currently the Tesco Clubcard credit card offers five Clubcard points for every £4 spent with Tesco, including your spend on petrol. You can also earn one point for every £4 spent using the card at other outlets.

Cash back cards

Cash back credit cards come in handy if you can pay back the total balance each month.

You need to read the small print carefully, however, as higher penalties often apply for missed or late payments.

Santander 123 credit card Santander is currently offering 1% cash back in the major supermarkets when you use their credit card, 2% in major department stores, and 3% on petrol and transport.

retireeS

A reduced income in retirement

often means a narrower choice of credit cards. Banks and other financial institutions prefer to see a regular wage coming in, and some have a policy of refusing anyone over a certain age, regardless of how much money they have saved. Even if your savings are with the bank you are applying to, banks have been quite rigid on this policy of late.

Saga Platinum credit card A variable representative APR of 11.9 % makes this credit card from Saga a middle-of-the-road option in terms of interest rate.

Not the lowest, but certainly not the highest, the perks of this card currently include an introductory 0% on balance transfers and purchases for the first nine months, and 0% foreign currency fees on transactions worldwide.

The best general advice from money experts is to shop around for the best credit card.

Don’t be blinded by rewards and offers – simply find a good all-round card with a low interest rate, and let the added extras be just that – extra to the main features. http://www.hsbc.co.uk/1/2/ credit-cards/student-credit-card http://www.lloydsbank.com/ current-accounts/graduateaccount.asp http://www.lloydsbank.com/ credit-cards.asp http://www.santander.co.uk/uk/ credit-cards/123-credit-card

To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Winchcombe Country Show The 66th annual Winchcombe Country Show promises to have something for everyone when it returns to the Winchcombe Senior School Field on Bank Holiday Monday 31 August 2015.

Beginning with the annual procession at 11.30am, visitors will see the Happenstance Border Morris dancers, Winchcombe Fire Engine and vintage tractors lead the locals through Winchcombe before the show itself kicks off at 12.00 noon.

There will be a traditional flower show and classes celebrating the traditional skills and creativity of local life, with sections spanning arts, crafts and photography to wine, cookery and preserves. The schedule for the flower show is available online at www.winchcombeshow.org.uk A highlight of this family friendly show will be wood carving demonstrations by the Tree Pirate Chain Saw Team alongside a host of other activities including terrier racing, It’s a Knock Out, Novelty Dog Show, Punch and Judy show, face painting, go-karts, a bouncy castle and much more. There will

be a variety of stalls offering local produce and gifts. Also a tea tent serving delicious homemade cakes and a licensed bar.

The Winchcombe Brass Band will be providing the musical backdrop and the Happenstance Border Morris dancers will be performing during the day.

Tickets cost £3, £1 for children under 16 and £7.50 for a family of two adults and up to three children.

As part of a weekend of Bank Holiday activities, there will be a Charity Music Night in the Show Marquee on Saturday 29 August.

This starts at 5.00pm and will feature live music including folk, rock and blues.

Entrance is £5 and for children under 14 there is no charge.

A licensed bar and food will be available.

On the following

Sunday (30 August) there will be the Run Winchcombe Event at Sudeley Castle featuring a 5k fun run, a 10k hill climb to the Neolithic long barrow Belas Knapp for the more adventurous and 1k for 10s and under. Starting and finishing at Sudeley Castle.

An action packed family weekend for all!

Severn Guttering Services

Guttering • Fascias • Soffits • Barge Boards • Repairs • Installations • Maintenance • Cleaning From sheds to castles we guarantee them all No job too tall, no job too small!

Reliable experienced qualified insured staff

Free estimates & friendly advice call

01684 594959 or 07580 354087 severngutteringservices@gmail.com

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Page 37

MINI JOHN COOPER WORKS. KEEP IT WILD WITH THE TOP OFF.

STOCK NEW MINI JOHN COOPER WORKS CONVERTIBLE. £1,288 RETAILER CONTRIBUTION. £379 A MONTH PLUS £2,999 CUSTOMER DEPOSIT.

MINI Select Representative Finance example for a stock MINI John Cooper Works Convertible in optional Midnight Black with optional Lounge Black/Red Leather, CHILI Pack, Black 17" Cross Spoke Challenge Alloys, Chrome Line Interior, Wind Deflector, Black Headlights, JCW Bonnet Stripes, Front Seat Heating, Harman Kardon Hi-Fi System, Seal & Protect Paint System and MINI tlc** (5yrs/50k service pk).

Term of agreement 47 monthly payments On the road cash price* Customer deposit Retailer deposit contribution Total deposit

48 months

Total amount of credit

£27,159.85

£379.00

Option to purchase fee^

£1.00

£31,447.12

Optional final payment^

£10,747.70

£2,999.00

Total amount payable

£32,848.97

£1,288.27

Rate of interest

1.9% Fixed

£4,287.27

Representative

1.9% APR

The John Cooper Works Convertible with 211 hp on tap it not only talks the talk but walks the walk.

If you’d like to go wild, drop by or give us a call.

COTSWOLD CHELTENHAM Tewkesbury Road,Cheltenham GL51 9SG 01242 587029 www.cotswoldcheltenhammini.co.uk

COTSWOLD GLOUCESTER Cole Avenue, Gloucester GL2 5ER 01452 872626 www.cotswoldgloucestermini.co.uk

Official Fuel Economy Figures for the MINI Range: Urban 26.4-67.3 mpg (10.7-4.2 l/100km). Extra Urban 44.8-80.7 mpg (6.3-3.5 l/100km). Combined 35.8-74.3 mpg (7.9-3.8 l/100km). CO2 Emissions 184-99 g/km.

Figures may vary depending on driving style and conditions.Finance example is for a MINI Select agreement for a stock MINI JCW Convertible with optional Midnight Black, Lounge Championship Black/Red Leather, CHILI Pack, Black 17" Cross Spoke Challenge Alloy Wheels, Chrome Line Interior, Wind Deflector, Black Headlights, JCW Bonnet Stripes, Front Seat Heating, Harman Kardon Hi-Fi System, Seal & Protect Paint System and MINI tlc with a contract mileage of 32,000 miles and excess mileage charge of 6.20p per mile. Applies to the stock MINI stated ordered between 20 July and 30 September 2015 and registered by 30 September 2015 (subject to availability). Retail customers only. *On the road cash price includes 3 year MINI Retailer Warranty, MINI Emergency Service, 12 months’ road fund licence, vehicle first registration fee, delivery, number plates, VAT and where stated MINI tlc (**MINI tlc provides scheduled service cover for up to 50,000 miles or the length of your agreement, whichever comes first, at MINI Service Authorised Workshops. Maintenance items (e.g. tyres, brake pads and 2nd brake fluid change) not covered and not transferable to another vehicle. See www.mini.co.uk/tlc for full MINI tlc terms.). ^Optional final payment and option to purchase fee not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply. Offers may be varied, withdrawn or extended at any time. ‘MINI Select’ is a form of hire-purchase agreement provided by MINIFinancial Services, a trading name of BMW Financial Services (GB) Limited, Bartley Way, Hook, Hampshire RG27 9UF. You will have a 14 day statutory right to withdraw from the agreement. We commonly introduce customers to MINI Financial Services, for which we may receive payment if you enter into an agreement with them. This introduction does not amount to independent financial advice.

Page 38

To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Taking your car on a holiday to Europe is a great way to avoid exorbitant airfares, hidden airport and airline costs and rip-off duty-free. And don’t get me started on airport crowds and stress.

However, before setting off for the continent in your car, there are a number of boxes you should tick before you get behind the wheel. Here’s a very simple checklist…

• Prepare the proper documents: Ensure all car documents are up to date, including the insurance papers and V5c ownership document. Take both parts of drivers’ licences for all appointed drivers.

• Preparing the car for driving on the continent: Book an off-schedule MoT, it will throw up any mechanical or electrical problems to be

WORDWHEEL

Using only the letters in the Wordwheel, you have ten minutes to find as many words as possible, none of which may be plurals, foreign words or proper nouns. Each word must be of three letters or more, all must contain the central letter and letters can only be used once in every word. There is at least one word that uses all of the letters in the wheel.

TARGET Excellent: 30 or more words Good: 24 words Fair: 19 words

S E

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attended to. In many European countries, it is illegal to drive with a broken exterior light for instance. Packing a full replacement bulb kit is worthwhile, too.

• Take an emergency warning triangle (two in Spain) and a hi-vis jacket (some countries require a vest for each passenger, too, so check before you go). If you are driving in France, breathalysers are still on the legal list of items that you are required to have in the car, but there is NO FINE for not having them.

• British cars should wear a GB sticker on the back to identify their country of origin, OR have Europlates bearing the blue GB symbol.

• Headlights: You will also need to adapt your headlights to avoid dazzling oncoming vehicles.

You can buy conversion kits, or your main dealer may be able to adjust the beam.

Drive safely, have a wonderful time and remember – never drive faster than your guardian angel can fly.

By Wayne Gorrett

Hidato Starting at 1 and finishing at 49, track your way from one square to another, either horizontally, vertically or diagonally, placing consecutive numbers into the empty squares as you go. Some numbers are already given.

49

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Please mention Cheltenham Magazine when responding to advertisers

32

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©puzzlepress.co.uk

Right Side of the Road

Page 39

Pictograms 3 words 1-0 HAND HAND 6 words OF FUTE FOOT FOOT

L E T H E M You have two minutes to find all the words of three or more letters that can be made from the letters above. Plurals are allowed, proper nouns are not. The 6 letter word will always be just a normal everyday word.

3 letters: 9 4 letters: 10 5 letters: 1 6 letters: 1

Puzzle & Crossword Solutions

2 words

Mini Cryptic Solution

3 Letters eel elm hem het lee let met tee

CO TACK TACK ME

the 4 Letters heel helm meet melt mete meth teem

tele thee them 5 Letters theme 6 Letters HELMET

Pictograms 1. Win Hands Down 2. Start Off On The Wrong Foot

Word Ladder Here is one possible solution (others may exist) BLUE flue flee fled feed fend find fine pine Medical Conditions Quiz PINK 1. Daltonism Colour blindness 2. Diplopia Double vision 3. Epistaxis Nosebleed 4. Halitosis Bad breath 5. Hypertension High blood pressure 6. Myocardial infarction Heart attack 7. Nocturnal enuresis Bedwetting 8. Odontalgia Toothache 9. Onychocryptosis Ingrown toenail 10. Singultus Hiccups

3. Income Tax

Codeword 11

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Sudokus

Page 40

To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

What's On in Aug/Sept Cheltenham Dance Festival

Ongoing until Sunday 9 August, Cheltenham Town Hall The Cheltenham Dance Festival promises to meet everone's taste in dancing with a variety of stunning performances, interesting lectures and fun classes. The event, hosted by Beverly Harwood, is not to be missed by any dance enthusiast!

For more information and prices visit: www.cheltenhamtownhall. org.uk/whats-on/festivals/ dance-festival Open Gardens for NGS

Sunday 2 August, 11am 5pm, Barn House, Sandywell Park, Cheltenham, GL54 4HF Well maintained Victorian Garden, open for charity.

Admission: £4.50, Children free.

Adventure Mondays Monday 3, 10, 17 and 24 August, Sudeley Castle & Gardens, Winchcombe, GL54 5JD

Summer holiday fun with time traveller shows, dragon whisperers and have-a-go archery.

Churchdown Book Fair

Sunday 4 August, 10am 3.30pm, Churchdown Community Centre, Parton Road, GL3 2JH

First Sunday of Every Month.

Independent book fair with thousands of quality secondhand and antiquarian books for sale from up to 30 dealers.

Refreshments available.

Admission: 50p, under 16s

free. For more information visit: www.churchdownbookfair. wordpress.com Teddy Bear Tuesdays

Tuesday 4, 11, 18 & 25 August, Gloucestershire Warwickshire Railway, The Railway Station, Toddington, GL54 5DT Teddy Bear Tuesdays at the Gloucestershire Warwickshire Railway are back, so pack a picnic, grab your favourite teddy bear (don’t forget to label it) and get on board at Toddington, Winchcombe or Cheltenham Racecourse.

No need to book in advance.

Ticket prices: Children under 5 are free, over 5 £7, adults £16 and seniors £15. For more information and times visit: www.gwsr.com

train: first train leaves Cheltenham Racecourse at 10.55am, last return is at 7pm on Sat and 5pm on Sun. For full timetable see: www.gwsr.com To get in, you will either need a train or a platform ticket. Plenty of car parking at Toddington.

Tea Dances

Monday 10 August & 14 September, 2.30pm Cheltenham Town Hall A social afternoon of dancing, live music, tea and biscuits.

Admission: £4.

The Cheltenham Real Ale Festival Friday 14 & Saturday 15 August, from 12pm, Cheltenham Town Hall

Children's Wednesdays Wednesday 5, 12, 19 and 26 August, Sudeley Castle & Gardens, Winchcombe, GL54 5JD

Sudeley Castle is offering lots of fun activities for children this summer holiday - so don't miss out! There will be history shows, storytelling, Punch & Judy shows, magic shows, a bouncy castle, a creative learning centre, dance classes, outdoor games and arts & crafts. For more information visit the event secion on www.sudeleycastle.co.uk Cheltenham Civil Service Club Over 30s Disco Friday 7 August, 8pm - 12am Cheltenham Civil Service Club, Tewkesbury Rd, Uckington, GL51 9SL Come along and dance to all types of music on the first Friday of every month. Friendly group, all welcome. Dress code: small casual (no jeans please). Bar and large car park. Cost: £5.

2nd Summer Ale & Steam Weekend Saturday 8 & Sunday 9 August, 10.30am - 7pm on Sat & 10.30am - 5pm on Sun, Winchcombe & Toddington Stations 32 Beers, soft drinks and hot & cold food. Camping near the station in Winchcombe. Come by

100+ Real Ales and Ciders in a calm and relaxed atmosphere during the daytime, live music and entertainment in the evenings. Admission: £6 (includes a festival glass). Tickets are available on the door.

2 Peaks, 1 Pool Sunday 16 August, 9.30am – 5.30pm, Sandford Parks Lido, Keynsham Rd, Cheltenham, GL53 7PU Team challenge: walk/run from the lido to Cleeve and Leckhampton Hill before returning to the lido for a 400m swim.

Minimum number for teams: 2 individuals who walk/run and finish together. Proceeds from the events go to charity: Sandford Lido Ltd & Maggie’s (50/50).

Entry fee: £9 per adult, £5 per child (age 8-16). For more

Please mention Cheltenham Magazine when responding to advertisers

events cont'd on p42...

Page 41

...events cont'd from p41 information or to enter visit: www.sandfordparkslido.org.uk Cheltenham Horticultural Society Summer Show Sunday 16 August, from 12pm Pittville Pump Room

Annual summer show by the Cheltenham Horticultural Society. Hundreds of beautiful summer flowers and plants on display and for sale. Cake and refreshments available. Crafts for sale. Admission: £2 on the door.

Children go free.

South West Youth Orchestra Thursday 20 August, 3.45pm Cheltenham Town Hall The South West Youth Orchestra, leading youth orchestra of the region, will perform works by Benjamin Britten and Maurice Ravel. Conducted by BSO Leverhulme Young and Frank Zielhorst. Admission: £8 - £12.

For more information email: info@swms.org.uk The Cotswolds Vintage Fair Saturday 22 August, 10am- 4pm Toddington Village Hall, Stow Road, Toddington, GL54 5DU A must for all vintage lovers! Come along and browse a large selection of original vintage goods and pop into the vintage tea room to enjoy some delicious tea and cake.

Admission: £2.

Loyaulte me Lie – Richard III Medieval Weekend Saturday 22 & Sunday 23 August, 10am, Sudeley Castle & Gardens, Winchcombe, GL54 5JD

Visit the medieval living history Page 42

encampment, watch medieval craftsmenship demonstrations, and enjoy traditional medieval entertainment on the anniversary of the Battle of Bosworth. Included in normal admission.

The Cheltenham Festival of Bikes Sunday 23 August Cheltenham Town Hall A magnificent exhibition

featuring over one hundred exquisite classic motorcycles, stunningly engineered custom bikes and rare race specials.

For more information email Lorne Cheetham: lorne@rwrw. co.uk or call 07758 368 072. www.TheCustomShow.com www.FestivalOfBikes.com Tewkesbury Classic Vehicle Festival & Craft Market Sunday 23 August, 11am - 5pm, Tewkesbury School Sports Field, Ashchurch Rd, Tewkesbury, GL20 8DF,

Gloucester City Centre, GL1 1AD Classic and retro festival in the city centre of Gloucester.

Historic and commercial vehicles, vintage themed stalls, shops, restaurants and pubs, music, food and fashion.

Westgate street will be themed from 1900’s - 1949, Northgate Street 1950’s, Eastgate Street 1960’s and Southgate Street 1970-1980’s. Vintage fair at Kings Square. Awards for best dressed person, couple, business and vehicle. Admission: free.

For more information email: info@helsbellesboutique.co.uk National Children's Orchestra Sunday 30 August, 3pm Cheltenham Town Hall Under 12 Orchestra. Talented young musicians will demonstrate their skills by performing a classical music concert.

Admission: £5-£18.

(200yards from J9 M5) A fantastic day out for the whole family and all for a good cause!

400 cars and 150 motorcycles, auto jumble, tea, cakes, bar and BBQ, over 100 trade and retail stands, live period music and plenty of entertainment. All proceeds go to charities chosen by the Rotary Club of Tewkesbury. Admission: Adults £5, children under 12 free. Sorry, no dogs allowed on school playing fields. Plenty of free parking on site. Car and Motorcycle Classic from all ages welcome - free entry for show cars and motorcycles and their drivers. For more information visit: www.Tewkesburycvf.org or call 01684 850940.

A Swinging Summer Evening Sunday 30 August, 7.30pm – 9.30pm, Sandford Parks Lido, Keynsham Rd, Cheltenham, GL53 7PU A smashing summer event with music. Peter Gill and his swing band will perform a wonderful mix of swing and blues numbers, so don’t miss out! Admission: £12.50 in advance or £15 on the door. Tickets can be purchased from the Everyman Theatre Box office: 01242 572573 or online at www.everymantheatre.org. uk and include a build your own burger from the Lido Café.

Licensed bar available. For more information on the event visit: www.sandfordparkslido.org.uk

Gloucester City Classic & Retro Festival

Winchcombe Country Show Bank Holiday Monday 31 August, 12 Noon to 5.30pm, Winchcombe Senior School, Greet Road, GL54 5LB

Saturday 29 & Sunday 30 August, 10am - 5pm,

To advertise call 07939 802 384 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Procession at 11.30am. Show starts at 12 noon: Flower show, wood carving demonstrations by the Tree Pirate Chain Saw Demonstration Team, fun activities and classes for the whole family, food and drink, stalls, live music and much more!

Admission: £3 for adults, £1 for children, £7.50 for families.

Bride & Groom Show Sunday 6 September, 11am -

3pm, Cheltenham Town Hall Find out everything you need to know to plan your dream wedding. There will be a bridal fashion show at 12 Noon and 2pm. Admission: free. For more information visit: www.brideandgroomshow.com Open Garden for NGS Sunday 6 September, 2pm - 5pm, Stanway Fountain & Water Garden, near Winchcombe, GL54 5PQ Interesting and picturesque Baroque water garden. Come and see Britain's highest fountain (300ft) at 2.45pm and 4pm for 30 minutes. Admission: £7, children free. For more information visit: www.stanwayfountain.co.uk Heritage Open Day Sandfork Parks Lido Saturday 12 September, 11am - 5.30pm, Sandford Parks Lido, Keynsham Rd, Cheltenham, GL53 7PU

Sandford Parks Lido will open its doors as part of the Heritage Open Days weekend, allowing visitors to explore the facility and to access areas not normally accessible by the public. Please note that normal entrance prices apply for using the facility for swimming.

Cheltenham Triathlon Sunday 13 September, 7am 1pm, Sandford Parks Lido, Keynsham Rd, Cheltenham, GL53 7PU Fun event open to all abilities of competitors consisting of a 12km cycle, a 2.5km run and a 500m swim. The event raises funds for LINC (Leukaemia Intensive Chemotherapy) and Sandford Lido Limited. All tickets have sold out, please support those who have entered by donating.

For more information visit: www. sandfordparkslido.org.uk/e1cheltenham-triathlon.html Wedding Inspiration Day Sunday 13 September, 11am - 3pm, Pittville Pump Room, East Approach Drive, Cheltenham, GL52 3JE Come along to discover the Pump rooms as a wedding venue and meet prestigous local suppliers Admission: free. For more information call 01242 264231.

Classic Car Ralley Sunday 20 September, 10am 4pm, Sudeley Castle & Gardens, Winchcombe, GL54 5JD

Display of classic cars on the North Lawn, directly in front of Sudeley Castle - a must for every car lover!

For more information visit: www.sudeleycastle.co.uk Discover Cancer Research UK Tuesday 22 September, Pittville Pump Room Come along to find out more about the lifesaving research, work and funding of Cancer Research UK. To receive your personal invitation to this event, contact Mark Falber on 01934 517104.

Fun comedy club night with new and established comedians.

Admission: £12, Students: £9.

For more information visit: www.howlerscomedyclub.co.uk Cheltenham Concert Series Friday 25 September, 7.30pm, Cheltenham Town Hall The internationally renowned Basel Symphony Orchestra will come to the Town Hall to perform a ballet score composed by the French group 'Les Six', Mozart's Piano Concerto No.21 in C major and Stravinsky's 'The Rite of Spring'.

Conductor: Dennis Russell Davies. Ticket prices: £32.50, £27.50, £15 and £12.50.

Boo Hewerdine Sunday 27 September, 7.45pm, The Tithe Barn, Bishop's Cleeve, Cheltenham Road, GL52 8LU Come and see singer-songwriter and record producer Boo Hewerdine for his debut solo appearance at the Tithe Barn.

Tickets: £13.

LOCAL MARKETS Cheltenham Arts & Craft Market Saturdays 9am - 5pm, Pedestrianised area of the Promenade, outside Cavendish House. Dates for 2015: August 15, September 19, October 17, November 21, December 19 & 20.

Cheltenham’s Farmers’ Market Every second and last Friday of each month, 9am - 2pm Pedestrianised area of the Promenade, outside Cavendish House A great opportunity to sample and buy locally grown and made produce from Gloucestershire and the Cotswolds.

Howlers At The Hall Wednesday 23 September, 8.30pm, Cheltenham Town Hall Please mention Cheltenham Magazine when responding to advertisers

Page 43

Health Why Breast Is Still Best

By Alison Runham www.alison.runham.co.uk August is World Breastfeeding Month, so let’s bust some myths and look at breastfeeding benefits.

Breastfeeding Myths i can’t breastfeed because: • i need medication for depression. Sometimes the benefits of treatment and breastfeeding outweigh potential risks (very low with some antidepressants).

• I have flat/ inverted nipples.

Breastfeeding is often possible and can even fix this – as can a simple operation.

• i’m unsure about breastfeeding; i’m going back to work, anyway. Even if you feed your baby just a few times, they’ll receive colostrum (initial breastmilk full of your antibodies).

Started bottlefeedng? Usually you can still breastfeed later, although it’s harder as time passes. You can breastfeed at first, then swap to expressed breastmilk, formula or mixed feeding when you return to work; you have a legal right to express milk at work and ask for a change in your working pattern.

• I can’t make enough milk: Despite what many mums are told, it’s extremely rare to be physically incapable of producing enough milk. The process can be hampered after a caesarean, or if you or your baby is poorly. Usually you just need time and correct technique, but if your baby’s suffering or you need to leave them, you can give formula...

Page 44

...But mixed feeding will ruin my milk supply: If your baby needs the odd bottle of formula, don’t panic. Ideally, though, wait 6 weeks to try regular mixed feeding, as the ideal production rate is stimulated by demand and takes time to establish. Often, regular mixed feeding early on quickly leads to full formula feeding, the NCT warns, but it’s usually successful after breastfeeding is established.

Breastfed babies wake more at night: Research suggests parents of breastfed babies get more sleep, and there’s no night time bottle preparation.

I can’t breastfeed in public: The Equality Act 2010 says you CAN. Breastfeeding Benefits • Much healthier babies: breastmilk is custom-made for your baby, adapting to their needs. It aids development, increases intelligence and reduces the risk of chest, stomach, ear and urine infections, asthma, diabetes, obesity, leukaemia, meningitis, celiac disease, Sudden Infant Death syndrome, juvenile rheumatoid arthritis, some lymphomas and cancers, Crohn’s disease, cardiovascular disease, eczema, allergies, breast and ovarian cancer in girls and necrotizing enterocolitis (a serious bowel condition) in premature babies.

• Healthier mums: Breastfeeding uses 200-

500kcal daily, contracts your uterus to normal size, conserves your iron, and reduces your risk of postpartum haemorrhage, breast cancer, ovarian cancer, osteoporosis and diabetes.

• Convenient, economical and green: Feed your baby anywhere for free, saving £550 a year on formula and reducing waste. decisions, decisions A mini-survey of friends echoed national findings: the main culprits responsible for making breastfeeding difficult or unappealing are poor advice and support (personal and professional). “I was banished to upstairs in my in-laws house!” said one friend, while Liz intended to breastfeed until her midwife advised her bottlefeeding would be easier after her caesarean. Older ‘militant’ breastfeeding advice just caused guilt: “My LaLeche League book was SO awful about bottle feeding that when I finally offered my daughter formula, I felt I was poisoning her,” said Katie.

The NCT found 90% of women whose friends breastfeed, have a plan to breastfeed themselves, compared to 51% of women without breastfeeding friends. So ensuring mums are well-informed and supported, wherever and however they feed their baby, is vital. nct (National Childbirth Trust): Helpline: 0300 330 0700 www.nct.org.uk/

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