Cheltenham Jan15

CHELTENHAM MAGAZINE www.cheltenham-magazine.co.uk

January 2015

Inside this issue

Golden Years

Memories of 50 years ago Puzzles &Crosswords

Listings & Local Businesses & much more!

LOCAL EVENTS Martin Lewis HOW

TO BOOST YOUR SAVINGS

Pippa Greenwood

The Truly 'Green Garden'

HOME & INTERIORS Design a Blissful Bedroom

by Katherine Sorrell

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elcome W

to the January 2015 edition of Cheltenham Magazine Hello Reader, First of all, I hope you had a fantastic Christmas and enjoyed some much needed time off during the festive period.

The build up to Christmas was a hectic one with lots of afternoons off watching my children’s nativity plays and carol services.

There is always a nostalgic feeling when you hear a steam train whistle blowing. Christmas wouldn’t be the same without the trip on Santa’s Special. Once again the volunteers who help run the Great Western Steam Railway at Toddington Railway did us proud.

It was great to see so many people supporting ‘Small Business Saturday’ on December 6th with lots of people shopping, eating and drinking locally and helping to give much needed support to our many independent traders in Montpellier, Tivoli, Bath Road, Suffolk Road..., we're so spoilt for choice and fortunate to live in Cheltenham!

Finally, here is hoping 2015 brings you everything you dream of.

Happy New Year!

Vicky

(Editor)

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Page 3

Finance Finance

TheThe Pros andand Cons of Equity Release

By AnnBy Haldon Pros Cons of Equity Release Ann Haldon Types Types of lifetime mortgage of lifetime mortgage Roll-up: interest is added Roll-up: interest is added to the to loan, is repaid thewhich loan, which is repaid on death or if you on death or move if you into move into care. There are no monthly care. There are no monthly repayments to make. repayments to make.

Interest-only: you receive a Interest-only: you receive a lump sum pay the interest lumpand sum and pay the interest on a monthly basis.

Interest on a monthly basis. Interest may be fixed variable, and and may beor fixed or variable, the original loan amount is the original loan amount is repaidrepaid on saleonofsale the house. of the house.

Fixed repayment: you take Fixed repayment: you take a lump sum from the house, a lump sum from the house, but there are no monthly but there are no monthly interest payments to make. A interest payments to make. A repayment sum is calculated by repayment sum is calculated by the lender and agreed with you need to be paid off using the Equity Release unlocks the lender and agreed with you to be paid off using the when the Equity Release unlocks equityneed loan is taken out. This released. when the loan is taken out. This some of the value in your equity released. fixed amount is repaid on death some of the value in your fixed amount is repaid on death home, providing a taxThe first step in deciding or if you move to a care home. home, providing a tax- whether The first step in deciding or if you move to a care home. equity release is for free lump sum or cash release is for One of the first decisions to free lump sum or cash you, iswhether to find aequity professional facility from which to One of the you first want decisions to you, is to find a professional make is whether to facility from which to financial advisor with specific make is whether you want to draw a regular income. financial advisor with specific take a lump sum, a regular draw a regular income. knowledge and experience. The take sum, a regular It is a way to fund your knowledge and experience.

The income, or a a lump mixture of the and lender must both It is a way to fund your advisor income, or a mixturethe of the retirement without having two.

It’s worth considering advisor and lender must both by the Financial retirement without havingbe regulated two.

It’s worth considering the lender’s stability if you choose to move from your existing be regulated by the Financial Conduct Authority, and the lender’s stability if you choose toand move from yourtoexisting to take payments at intervals Conduct Authority, and the home, is available lender should be a member of take at intervals home, and is available than aspayments a lump sum. lender shouldCouncil. be a member ofrather to homeowners over the age to the Equity Release rather than as a lump sum. homeowners over the age When Northern Rock collapsed the Equity Release Council. of fifty-five.

When Rock collapsed in 2007, theirNorthern equity release of fifty-five.

Lifetime Mortgage in 2007, equity release Equity release products can be Lifetime Mortgage customers weretheir unable to draw Equity How it works customers were unable to draw broken downrelease into: products can be any further money from their Howmortgage it worksallows broken down into: A lifetime further home any equity loan money when it from was their • Lifetime mortgages A lifetime mortgage allows you to borrow money against hometoequity when it was • Lifetime mortgages transferred a newloan company.

• Home reversion schemes you of to your borrow money the value home, withagainst transferred to a new company.

• Home reversion schemes theadded valuetoofthe your home, with On the other hand, you may interest total Some lifetime mortgages On the feel there’s noother pointhand, takingyou outmay interestThere addedare to no the total Some lifetime mortgages each month. require a monthly repayment feel there’s no point taking out a large initial sum and placing each month. a monthly repayment repayments to meetThere - youare stillno whilstrequire others provide a lump a largeofinitial and placing it intosum a savings repayments meet - you stilla proportion whilst othersthe provide home buttothe value sum that reduces valueaoflump own your a proportion it into a savings which paysoflower own your due home sum that the value ofof it decreases to but the the value account the house overreduces time. The basic account which paysloan. lower interest than that on your of it decreases due to the theishouse overcan time.

The basic escalating mortgage. premise that you take interest than that on your loan. mortgage. premise is that you can take In the escalating a lump sum, draw a regular In summary, what are the event of your death or a lump sum, draw a regular going In income, or both.

In summary, the event your death or potential pros and what cons are the into care, theofhouse income, or both. potential pros and cons going into repaid care, the house of taking out a lifetime is sold, the loan and So far these are all clear of taking out a lifetime is sold, thepaid loantorepaid So far residual monies you orand mortgage? benefits, butthese there are all clear residual monies paid to you orPros mortgage? benefits,downsides but there are your beneficiaries.

Most lifetime considerable to your beneficiaries.

Most lifetime downsides to mortgages provide a guarantee equityconsiderable release that need Pros the value in your • Unlocks mortgages guarding against provide negativea guarantee equity release that need careful consideration.

If there • Unlocks the value in your home against negative should the housing careful consideration.

If there equityguarding is existing borrowing secured home • Several choices of how the fall. should the housing is existing borrowing secured marketequity against the property, this will • Several choices of how the market fall. against the property, this will Page 4

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

moneymoney is taken allow you to you to you liveyou in your home is taken live in yourrenthome rent- • Many • schemes Many schemes allow live in your home a free,others while charge others charge a live in yourrent-free home rent-free • Many offer a offer ‘no a ‘no free, while • lenders Many lenders reduced rent. This arrangement reduced rent.

This arrangement negative equity’ equity’ guarantee Cons Cons negative guarantee continues until you dieyou or move continues until die or move • You•can stay in stay yourin own • You •generally only receive You can your own into a care You generally only receive which into home, a care at home, atpoint which pointbetween home home 20%-60% of between 20%-60% the house is sold and the loan the house is sold and the loan the market value of your of the market value of your Cons Cons repaid.repaid. property property • May• affect your eligibility for May affect your eligibility for Detailed financial and legal Detailed financial and legal • These schemes can be can be • These schemes benefits benefits advice advice is essential when when is essential costly to set up costly to set up • Can• beCan expensive in the considering a product such be expensive in the considering a product such • They are complex to • They are complex to long-term (there may as this.as Asthis. withAs a lifetime long-term (there may with a lifetime understand in detailin detail be other expensive understand you’ll be advised beless other less expensive mortgage, mortgage, you’ll be advised options) to discuss it with your family costs for both options) to discuss it with your family Potential Potential costs for both before before proceeding.

They need • They complex financial proceeding.

They need forms of equity releaserelease • are They are complex financial forms of equity to knowtowhere stand products which require know they where they stand products which require financially, particularly if it will if it will• Legal • fees Legal fees professional guidance financially, particularly professional guidance affect their inheritance.

• Valuation costs costs affect their inheritance.

• Valuation • Reduced inheritance for yourfor your • Reduced inheritance • Lender administration fee Pros and cons ofcons home beneficiaries • Lender administration fee Pros and of home beneficiaries reversion schemes • Financial advisoradvisor fees fees reversion schemes HomeHome Reversion • Financial Reversion Pros • Buildings insurance Scheme Pros • Buildings insurance Scheme • A useful way to get money The equity released from How it works • A useful way to get money The equity released from How it works from your property without can be used for Home reversion means that from your property withoutyour home your home can be used for Home reversion means that having to move out a range of purposes. Some you sell all or part of your home having to move out a range of purposes. Some you sell all or part of your home people use the money for • You may be able to make to a company, which gives you people use the money for • You may be able to make to a company, which gives you an ‘inheritance home improvements, others for guarantee’ a cash lump sum for its value, home improvements, others fo an ‘inheritance guarantee’ a cash lump sum for its value, to safeguard holidays or to help their children a proportion of or allows you to take a regular or to help their childre to safeguard a proportion onto of theholidays or allows you to take a regular your home property ladder. for beneficiaries income. Some schemes let onto the property ladder. your home for beneficiaries income. Some schemes let

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Remarkable

RELATIONSHIPS Do your values match?

by Jessica McGregor Johnson

Good relationships are built around values, which are your internal say are Good relationships are built moral aroundcode. values,I which internal because values cannot bebecause imposed your internal moral code.

I say internal values us, cannot beare imposed theyin areour what upon they whatupon feelsus,right life. feels know right inwhen our life. oneisofbeing your You oneYou ofknow yourwhen values values is being transgressed by you or anothertransgressed – by you or– anotherbecause it because it simply does not feel good. simply does not feel good.

Think ofofa time in your relationship when you felt Think a time in your relationship when things were not ok.

What was happening?

Most you felt things were not ok. What was haplikely it was a value of yours that was not being pening?

Most likely it was a value of yours honoured. We all have our own values, often that was not being honoured. We all have defining values is one of the first things that I do with our own values, often defining valuesfulfilled is onein a new client because it is so key to feeling of life.the first things that I do with a new client because it is so key to feeling fulfilled in life.

Your values show up in your life in two ways – when

Your values up in your life- you in two you feel thingsshow are going really well, are ways most –likely when you feel things really well, living a value.

Whenare you going feel frustrated and -angry you –are likely living a value.

When you youmost or someone else is not honouring your values.

Values areand not angry aspirational something that feel frustrated – you– or someone you’dis like to honouring be – they areyour inherent in your being are and else not values.

Values something that you–developed early on in your like life. not aspirational something that you’d They change, but they may evolve.

Youand may to berarely – they are inherent in your being have a value of friendship that you live as fun, something that you developed early on in adventure, spontaneity in your twenties but as your life.

They companionship rarely change,inbut may loyalty, support, yourthey sixties.

Both evolve.

You may have a value of friendship are the value of friendship – you just live them that you to live as fun, according where you adventure, are in life. spontaneity in your twenties but as loyalty, support, Feeling fulfilled in your relationship also based on companionship in your sixties.isBoth are the values.ofYou don‘t necessarily to have identical value friendship – you need just live them acvalues butto it where is good that each cording you you are understand in life.

other’s and honour them within the relationship. It is

even better if you can have relationship an agreed set of Feeling fulfilled in your is joint also values. on However do You not leave values to be just based values. don‘tthese necessarily need individual words. It values is really but important what that you to have identical it is good understand what each of you meanand by ahonour particular you understand each other’s values. them within the relationship. It is even better you example can have an situation agreed set jointat The if classic is the of a of couple values.

HoweverThey do not leavefeeling thesevery values to couple’s therapy. are both be just individual words.each It isother reallyforimpormisunderstood and blaming the tant what you understand each misunderstanding . What camewhat out was this:of you mean by a particular values.

They had agreed that the value of trust was The classic example is the situation of a couple paramount to their relationship. He was complaining at couple’s therapy. They are both feeling very that she was flouting that value by flirting with men misunderstood and other for the when they went out to blaming a party. Ineach his mind trust misunderstanding .

What came out was this: meant that she only had eyes for him and would not look at another man.

They had agreed that the value of trust was

paramount to their relationship.

Helook wasand flirt In her world trust meant that she could complaining that she was flouting that value with whomever she wanted and that he could trustby flirting whennever they ever wentact out party. her 100%with thatmen she would onto it.aFor In his mind meant fun thatand she had she eyes her it was a bittrust of harmless in only her mind was totally trustworthy. for him and would not look at another man.

Once this mis-communication cameshe to light theylook In her world trust meant that could could come to an understanding as to what their and flirt with whomever she wanted and joint value of trust meant to them.

that he could trust her 100% that she would

never it. Forway herofit cementing was a bitand of This canever be a act veryon powerful harmlessafun and in her waswhen totally deepening relationship.

It ismind a greatshe feeling trustworthy. you know that your partner is in tune with you on that level, you can relax and simply enjoy each other.

Once this mis-communication came to light they could come to an understanding as to what their joint value of trust meant to them.

This can be a very powerful way of cementing and deepening a relationship. It is a great feeling when you know that your partner is in tune with you on that level, you can relax and simply enjoy each other.

Jessica McGregor Johnson, an international speaker, guide & mentor and author of “The Right T-Shirt, Write Own Rules and the Life You Want” JessicaYour McGregor Johnson, anLive international speaker, guide & and “Remembering Perfection – Everyday Inspiration mentor and author of “The Right T-Shirt, Write Your Own Rules and Live Life You Want” “Remembering for Living Yourthe Spiritually”.

Sheand helps people who are Perfection – Everyday Inspiration for Living Your Spiritually”. at a crossroads in their life, knowing that there must Shemore helpsmeaning people who are they at a crossroads their life, be than currently in feel, discover knowing thatanew, there must be more than they themselves identify theirmeaning true passions, and live currently feel, discover themselves anew, identify their true them, whether it be in their work or personal life. You passions, and live them, whether it be in their work or can readlife. the You firstcan tworead chapter of her here http:// personal the first two book chapter of her book www.jessicamcgregorjohnson.com here http://www.jessicamcgregorjohnson.com

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Page 7

Page 8

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Page 9

A Touch of

HEALTH

5 ways to prevent being thrown into orbit from jet lag.

by Avni Trivedi, www.avni-touch.com @avnitouch.com One of the downsides of long-haul travel is jet lag. Whilst there is some controversy about whether jet lag is just a state of mind or a real physiological phenomenon, it can cause disruption to many travellers.

It is thought to arise as a result of crossing too many time zones, and turning the body’s circadian rhythms (its own internal clock) upside down.

Jet lag can present as tiredness, confusion, erratic moods, altered appetite and digestive issues. Symptoms vary from person to person and are affected by the number of time zones crossed and the direction flown (west to east is considered to be worst as time is lost). They can last for up to 5-7 days.

5 tips for managing jet lag; Keep active; Avoid the ‘travelators’ at the airport and instead powerwalk your way around. On the plane, get up and stretch as often as you can. Keeping your body active will tire yourself out enough to rest when you need to.

Keep quiet – wear noise cancelling headphones or ear plugs to tune out the machinery noises and allow a restful time aboard the flight. Even if you don’t sleep easily on the plane, your body will be in a less stressed

state. Try meditating, or listening to guided relaxations. Most airlines now provide calm playlists on their in-flight entertainment.

Set your clock – change your clock to the local time of your destination.

This will make it easier to adapt once you reach, and will encourage you to sleep during the ‘night’ aboard the flight.

Take remedies – use homeopathic remedies and aromatherapy during and after the flight. Avoid melatonin (it’s not available in the UK but can be purchased overseas), which is a synthetic version of a naturally occurring hormone, and sleeping tablets. Caffeine, alcohol and sugar should also be avoided as they give such artificial highs and lows to energy levels. Treatments such as osteopathy, acupuncture and massage can also help to rebalance your system.

Back to nature. When you land, spend some time walking on grass or sand with bare feet. Time in nature has a grounding effect on the body and mind which can literally and physically bring you back down to earth.

Avni is an Osteopath for women’s health and wellness, healthy pregnancy and baby development

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Martin

LEWIS Use the savings fountain to boost your savings Savings rates are spit-worthily low; but it could get even worse as the UK base rate doesn't look likely to rise till late 2015 and 'swap rates' - which influence fixed saving rates - have plummeted recently. Yet there are weapons in a saver's arsenal - most don't use them, it’s time to change that. As an aside, before you start saving, do pay off any expensive debts, as they’re costing you more than saving will pay you. This is often true for mortgage too – read my full www.mse.me/mortgageoverpay guide to see if it’s worth it.

My savings fountain is designed to maximise your interest on every penny of your cash. It works because different types of savings have different rules on how much you can put in and when. Think of it like a champagne fountain - put your cash into the bestpaying savings vehicle possible, then when that's full and overflowing, fill up the next best, and so on.

The top tier... earn up to 5% easy-access via 'bank account' savings. Some bank accounts' in-credit rates now smash easy access savings accounts and ISAs. They're done as a loss leader to entice new banking customers - yet if you're prepared to switch account, you gain. Aim to cover as much as possible at decent rates.

- Earn 3% AER on £3,000-£20,000: With the www.santander.co.uk 123 account. There's a £2/mth fee, but this is usually more than covered as it also pays cashback on bills.

- Earn 4% AER on £4,000-£5,000: With the www.lloydsbank.com Club bank account.

- Earn 5% AER for a year on £2,500: With the www.nationwide.co.uk FlexDirect account.

- Earn 5% AER on up to £2,000: With the www.tsb.co.uk/ Classic Plus bank account.

Next trickle into regular savings... save monthly to earn up to 6%. Regular savings accounts often pay high interest as it's only on a small amount for a short time. While the top rate's slightly more than bank accounts, because you need to put cash in each month, you'd need to trickle it across from your top savings account anyway - hence why it's second.

- Bank linked 6% regular savings. If you’re a First Direct bank customer, it offers a linked regular savings

account at 6% AER fixed for a year - you need to put £25-£300 in per month and can vary that each month. The Lloyds current account has a similar linked account at 4%.

- Anyone can earn 3.05%. The www.leedsbuildingsociety.co.uk Regular Saver pays 3.05% AER variable if you pay in £50 to £250 every month for a year.

Got more? Pour it into a cash ISA 2.6% tax-free with access. Cash ISAs are just savings accounts where the interest isn't taxed (so you keep all of it). Anyone over 16 in the UK can put up to £15,000 in an ISA each tax year (6 April - 5 April) and once in, it stays tax -free year after year.

With fixed-rate cash ISAs, unlike normal savings, you can access the cash within the term - though you'll lose some interest in penalties. Yet even if you withdraw early, these can still be winners.

- Top fixed-rate cash ISA: www.coventrybuildingsociety.co.uk pays 2.6% AER fixed for four years, but you can withdraw by closing the account early and the penalty is just 120 days' interest. So withdraw after 1yr and you'd get 1.75%, after 2yrs 2.18% and after 3yrs 2.32%. This means as long as you keep cash in for 10 months, you'd earn more than the best easy access deal anyway.

- Top fix for cash ISA transfers: All those that allow you to transfer old cash ISAs in as well as new money have heftier penalties. So here the aim should be to fix for a length you need. Top 1yr is www.postoffice.co.uk at 1.7% AER, 2yr is Barclays at 2.02% AER, 3yr is Virgin at 2.15% AER. - Need access to your cash, 1.55% easy access cash ISA. www.bmsavings.co.uk allows new money and lets you transfer in old cash ISAs, of its 1.55% AER variable interest 1.05% is a bonus for a year.

See www.mse.me/ISAs for more ISA options Now consider locking cash away - earn 2.5% in fixed rate savings. If you've still money, next consider whether you're prepared to lock it away without access - if so, you can fix with a locked-in rate that's usually higher.

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Page 11

local history

The rushing stream and a muddy place My latest article, on the Guiting Power stone pipe works, reminded me that in an earlier article I promised to explore the meaning of Guiting Power as part of my writing about the names of settlements on the edge of the directory‘s wider circulation area. So now I want to pick up this theme again.

I hope you remember that in my previous article I wrote that the upper River Windrush was known as Gythingebroc (a fast flowing river) in 780AD and that Temple Guiting took its name from the Knights Templar who became lords of the manor about 1160. In the same way the le Poer family, originally from northern France, had given its name to Guiting Power by 1220.

A later lord by the name of Pancius de Crotone tried to set up a market town Guiting Power’s village centre with a Tuesday market in 1330.

As a result it is possible that people moved to live around a market area, now the village centre, leaving St Michael‘s church on the edge of the settlement.

Although it never developed into a town, it is no coincidence that the village still retains its shops and pubs.

In the Middle Ages the Templars‘ estate stretched almost as far as Guiting Power because the names of both Kineton (Kinton - once the king‘s manor) and Barton (Berton Page 12

Bourton with its tourists and RiverWindrush

a farm) were listed in the Templars‘ records in the 1100s. At that time the Templars also held Naunton (Niwetone - the new farmstead or village). Naunton was very unusual at the time of Domesday Book in 1086 because a nun, called Cwenheld, was one of the lords of the manor. Our trip down the Windrush brings us to Bourton on the Water; Burchton in 714.The name means the settlement by the camp - the camp being the more than two thousand year old Iron Age fort at Salmonsbury just to the east of the village which, with its modern information panels, is well worth a visit.

There is no need to search for the site of a bloody battle in the next valley to the Windrush! The name Slaughter comes from Sclostre, which is the same word as Slough, and means a muddy place; no doubt a vivid description of the valley bottom before a channel was created to allow the water to run through what is now the picture postcard village of Lower Slaughter. Both Slaughters were first recorded in Domesday Book.

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I will finish my brief survey by turning to the villages lying to the south of Guiting Power.

Hawling was first recorded in 816 as Hallinge, probably meaning the land between two valleys. In contrast with today, this part of the Cotswolds must have been extensively wooded in the Middle Ages, for the names of three neighbouring villages all refer to trees. Salperton (Salpretune in Domesday Book) was a farmstead where sallows, or willows, grew.

Notgrove, a wet grove, was first recorded as Notangratum in the early 700s. Hazleton (Hasedene in Domesday Book) was the farmstead near the hazels. One more village name deserves mention – Turkdean. It is the only one of all these local place names to feature the British language, for all the others come from old English. ‚Twrch‘ is modern Welsh for a boar and was probably the nickname given to the wild stream in the valley, so giving Turcandene by the early 700s.

The place names suggest that by 700 at the latest, English must have become the dominant language

Hazleton with sheep rather than hazels

in this part of Gloucestershire.

As I conclude this whistle stop tour I wonder how many readers have noticed that nearly all our local place names are based on landscape features rather than personal names? They shout out the importance of the landscape and its resources to our forebears over a thousand years ago.

- by David Aldred

Lower Slaughter: no longer a muddy place!

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Page 13

The Better Life Winter Flue Jab

by Derek Thompson www.alongthewritelines.blogspot.co.uk “We should have done this last year,” Anne stared reproachfully at the anaerobic fireplace puffing in the little back room.

That cat glanced in my direction and then walked off in disgust.

She was right of course - Anne, I mean. In my defence, we hadn’t needed to light the fire during the summer and I hadn’t decided then that it was high time I had a special place to do my writing.

It seems that chimney sweeps are a curious blend of the ancient and the modern. Our regular ‘traditional’ sweep arrived in a top-of-the-range Land Rover Defender (i.e. a proper Land Rover) with a set of poles, a vacuum cleaner, a laptop and a tiny camera. The sheets went down and it didn’t take him long to diagnose the problem. “You’ve got a bad case of Jackdaw-itis,” he said as we gathered around his laptop.

The camera was swiftly replaced with a brush and we retreated to the kitchen to put the kettle on. Our sweep made an array of interesting noises and did battle, calling us back in a little later - as witnesses - once the jackdaw nest had Page 14

yielded. It was a complete mess and my comment about there being some good kindling in there failed to win Anne over.

However, we weren’t out of the woods yet, so to speak; we were about to get an education. Yes, we knew that we needed a cowl fitted; and no, of course we didn’t burn much unseasoned wood. Pine is the worst culprit - it clogs up the chimney and is liable to spit. Burning driftwood indoors is another no-no, due to salt corrosion on cast iron, and wooden pallets may be treated with chemicals.

Lesson over, we brought out tea and Anne’s ginger shortbreads to accompany tales of terrible chimneys in the area - a list we’d now joined.

We listened, enviously, as Trevor (not his real name) told us about his chickens - Molly, Polly and Dolly (named by his children). He regaled us with the story of the fox that came near the chicken run at 11pm every night until they left it an alarm clock, a plan that backfired when it went off because it freaked out the hens.

Trevor also has a mini-orchard of five trees. I knew enough to drop into the conversation, “M9 root stock,” which seemed to impress him.

He revealed his skill at dowsing, having located a water source in a field for a local farmer, using just a forked hazel stick and a pendulum (for a second opinion). Some of his stories were genuinely quite odd, although the cat seemed to really take to him and she’s an excellent judge of character.

We added a date on our gardening calendar for the new cowl to be fitted, weather permitting, and sent him on his way. I look forward to his next visit; I want to hear about his 20-year-old tortoise.

Once Trevor left I was true to my work and went outside to sift the debris for kindling. I also started wondering whether a log burning stove would be better for the back room, on the grounds of efficiency and aesthetics. After all, there’s always a faint chance that one of my books will eventually need a backcover photograph of the author at work.

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We are currently running a used stamp appeal - we are asking if you could take a few moments each day to tear off the stamps from your letters (if you cut around them we can get a higher price) and save them until you have a fair number (perhaps enough to fill a jiffy bag or similar) and post them into us; we can then sell them on to stamp dealers.Whether British or foreign, franked or not, unwanted stamp Albums, we would really appreciate you sending them to us, as every little helps.Thank you.

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It also gives other important information such as the name of the proprietor and the licence plate number.

Cllr Andrew McKinlay, cabinet member for development and safety, says: “This scheme is part of the approved changes to our taxi and private hire licensing policy. QR Code technology is free to use so there is no additional cost requirement on licence holders.Most people have smart phones these days and the use of this technology enables them to ensure that the vehicle they are travelling in is properly licensed. It also helps them find and retain important information about the vehicle if they have left any items behind or if they have a complaint to make.”

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Page 17

If you’re gym-phobic, sign up here

by Kate McLelland Tempted by the discounted membership fee advertised in my local paper, I thought of signing up for my local gym.

However one look through those expensive, plate glass windows at the rows of fit, lycra-clad young people lifting, pushing and jogging made me think again. With my spreading waistline on display over the top of my 1990s jogging pants, I would feel more out of place than a penguin in the tropics.

The image of modern gyms as temples to the young and super-fit is hard to shake off: in fact surveys suggest that less than 20% of us are prepared to use a gym to stay in shape. So where can you go if, like me, you no longer match the description “young and super-fit” and have an intermittent back problem that gets worse with vigorous exercise?

If you want a really gentle form of exercise that aids mobility and balance, you might try Tai Chi. This discipline combines relaxation and deep breathing with slow, gentle continuous movements: improving muscle strength in the legs, helping your balance and reducing stress.

Many people are dissuaded Page 18

from taking up Yoga by those images of practitioners with limbs contorted into eyewatering positions – but the first principle of Yoga is to do as much, or as little, as your body feels capable of doing. However, the word ‘Yoga’ covers many different kinds of practice so do some research before signing up for a class. For example, Iyengar is about perfecting poses, holding them for a period of time while breathing deeply and checking your body’s alignment, while Ashtanga yoga can be vigorous and intense.

to workout-style walks that help you lose weight and tone your whole body.

If you don’t want a class where you need to move around, Pilates might be the one for you. Pilates has many similarities to Yoga and focuses on rebalancing the body, improving posture and building both muscle strength and endurance through slow, controlled movements.

Many of the exercise methods mentioned here can cater for people with health issues (but do see your doctor if you have concerns). A good instructor will want to know about any problems you have, so make sure to tell yours if you have any conditions that might affect your ability to undertake certain exercises. You can find out more at www.nhs. uk/livewell/fitness.

Nordic Walking is easy on your joints and works well for all ages and fitness levels. It is an enhancement of walking, where special poles are used to engage the upper body muscles as well as the legs.

There are a range of classes available, from gentle walks for people with health issues

Finally, you may have heard about Zumba. This is a dance exercise craze started

by Colombian dancer and choreographer Alberto Perez in the 1990s that uses Latin rhythms as the inspiration for a fun fitness programme. You can join a class at any level, from a slower, beginners’ session to a full-on aerobic work out. Active older adults can take part in a Zumba Gold class, offering a lower intensity version of the normal Zumba routines.

If – like me – the sight of a gym leaves you sweating before the workout even begins, there’s no longer an excuse to stay at home.

Forget the lycra: just get out there and get fit.

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Page 19

January & February

At The Roses

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Page 21

A spring full of surprises with 80,000 bulbs Thousands of bulbs will burst into bloom next spring, thanks to a joint venture between the borough council, Cheltenham in Bloom and local volunteer groups.

80,000 bulbs are being planted together but will flower at different times throughout the spring months – a first for this type of planting in Cheltenham.

The blanket of colour will include a mix of ten different types of bulbs such as tulips, crocuses and daffodils. The display will be enjoyed in the Westal Green and Lansdown Road area of town as Councillor Chris Ryder, chair of Cheltenham in Bloom, was keen to enhance the gateway into Cheltenham.

Chris Ryder said: “It’s great to be able to do things in a different way with this year’s bulb planting. We will see a variety of colour throughout the spring months which will create a lovely gateway into the centre of town.

My thanks goes to those who have offered funding and volunteered their time to support this project.’’

Malcom Walls, community parks officer added: “Volunteers, committee members, officers and councillors are all digging in and we are pleased to

have so much support. Project like these are great for the environment and add to the enjoyment for all those living in and visiting Cheltenham.’’

To make the project possible, Cheltenham in Bloom was awarded £2,760 from the council’s Community Pride grant scheme, a £200 donation from the Cheltenham Civic Society and a private donation of £200 from a Cheltenham in Bloom committee member.

Next spring, when it’s time to re-plant, the Cheltenham in Bloom team will sow wild flower seeds into the same area, when shades of yellow and blue can be expected. It follows the overwhelming success of this year’s urban meadows project when the council transformed parks, gardens and even areas of wasteland with eye-catching wildflower displays.

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Golden Years Memories of 50 Years Ago

by Ted Bruning

Winston Churchill Statue, Parliament Square, London.

Jose L. Marin, Wikimedia Commons.

Early in the New Year of 1965, Winston Churchill had suffered a stroke. He never regained consciousness and died on January 24th, aged 90; and though it seems sacrilegious, it’s true that he had rarely been as much loved during his lifetime as he was after his death. Hated by miners as the Liberal Home Secretary who sent troops to Tonypandy to put down a strike in 1910; blamed (wrongly) for the Gallipoli disaster in World War I and (rightly) for the even greater disaster of the return to the gold standard in 1925; a truculent Imperialist dinosaur in the 1930s; distrusted by the masses in 1945; old, sick, and in the way in 1955 – Churchill had known more brickbats than bouquets.

But not on the 30th January 1965, the day of his funeral.

Then he was every downed airman, every drowned seaman, every tankman burnt alive, every Tommy blown to Hell, every exhausted ARP man, landgirl, munitions worker... and miner.

He was their suffering and their victory.

In the three days his body lay in state in St Stephen’s Hall, Westminster, 321,360 people filed past the catafalque. The gun-carriage that bore him, pulled by 108 naval ratings with the Earl Marshal at their

head, took an hour to make the 2� miles up Whitehall and along the Strand, Fleet Street, and Ludgate Hill to St Paul’s, every inch of the way thronged by silent mourners who had waited hours in their tens of thousands in the freezing cold. At the cathedral steps his wartime comrades Attlee, Eden, MacMillan, Ismay, Slim, Alexander, Portal, and Mountbatten escorted the coffin inside where the leaders of 122 nations sang To Be A Pilgrim, The Battle Hymn of the Republic, Fight The Good Fight and Oh God Our Help. And then the short voyage on the launch Havengore from Tower Hill to Festival Pier, the monstrous dockside cranes each bowing in turn as it passed. And finally the private train and the family burial at Bladon, Oxfordshire, where at last his widow Clemmie and his children Randolph, Mary and Sarah had their chance at tears.

This was how a nation grieved then: not in hysterical outbursts, but bound together by protocol, by formality, by seemliness; as rigidly drilled as a platoon on a parade-ground and thus united in deed as well as thought. For everyone who lined the route or watched on television, the grief and the memories were personal; and yet they were as one.

• How fitting it was that Churchill should choose Bladon, the parish church of his birthplace, Blenheim Palace, as his burial-place. “In my beginning is my end. In my end is my beginning,” wrote TS Eliot in The Four Quartets; and Eliot had died aged 76 at home in Kensington only 20 days before Churchill.

Both were members of the Order of Merit; both had won Nobel Prizes for literature. Eliot, though, was cremated privately at Golders Green, and his ashes were buried at East Coker in Somerset. But he has his slab at Poet’s Corner in Westminster Abbey, and Churchill’s statue is in Parliament Square not 200 yards away, so you can pay your respects to both in one visit, if you’ve a mind.

• Happy 50th birthdays to Vinnie Jones (5th), Joely Richardson (9th), Hugh Fearnley-Whittingstall (14th), James Nesbitt (15th), and Heather Small (20th). Cake and botox to you all!

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Page 25

Hobbies Time To Pick Up A Paintbrush

By Kate McLelland As I walked along the banks of our local river on a Sunday afternoon not so long ago, I noticed two artists, dabbing away at their canvasses with rapt concentration. The object of their attention was a picturesque old water mill, and as I passed each painter I couldn’t resist sneaking a look at their easels to see what they had done.

While I have to admit that neither of them was a budding John Constable, I felt huge admiration for their attempts to capture the lovely rural scene in front of them, using nothing more than a brush and several crumpled tubes of acrylic paint.

As children we are all happy to draw and paint but as we grow older we often lose confidence in our abilities.

School is not the easiest environment in which to develop creative talent, so it’s not surprising that many of us abandon Art as a subject in our mid-teens. It’s encouraging to learn, however, that Page 26

art gallery visitor numbers have massively increased in recent years and this seems to have inspired more people to revisit their artistic skills as adults.

Once you have decided to have a go at painting, the first step is to choose the type of paint and brushes you will use. Do you want to create delicate watercolours or big, bold canvases? Do you admire artists who paint with photographic attention to detail or do you prefer abstract art, where the paint can be randomly poured, splashed or dripped onto canvas to create bold shapes and patterns?

We’ve all used watercolour paints when young, so many people find it natural to return to that medium as adults. Watercolours may be versatile and easy to apply, but don’t expect instant results: you’ll need to spend time learning and practising the necessary techniques, otherwise your paintings may bear an unfortunate resemblance to the artwork you created back in Class 9C! Acrylic paints are similar to oil paints but easier to use: your work will dry faster and you

won’t need to use solvents to clean your brushes.

Acrylics can be mixed with water, so you can either paint with intense colour or dilute the pigment to produce transparent washes. This medium also dries to a robust finish: acrylic paintings can be safely rolled up without the risk of cracking.

Oil paints allow you to create wonderfully expressive images, but using oils can be a challenge for a beginner as you will need to dilute the paint with thinners (white spirit or turpentine) as well as adding a medium, such as linseed or poppy oil, to bind the pigments in the paint and help with the drying process.

An oil painting should be built up in layers, using different types of brushes or palette knives to create textures and effects, but you must allow time for the layers to dry: it can sometimes take up to five days for this process and during that period you will be unable to work on the canvas.

Fortunately you can now buy specially made fast-drying oils that will be touch dry in 24 hours or less.

A basic palette of colours should include cadmium

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yellow, yellow ochre, cadmium red, alizarin crimson, ultramarine blue, titanium white and mars black. All other colours – such as brown, purple and green – can be mixed from those shades. You will find that you use proportionately more white and black paint, so it’s sensible to buy larger quantities at the outset to avoid running out.

Make sure you have a variety of brushes available: round brushes are excellent for control and accuracy while flat brushes are great for edging and filling in areas.

There are some useful online tutorials to help you develop your skills using water paints, acrylics and oils: www. wikihow.com has great stepby-step illustrated guides to

get you started. Alternatively you could get face-to-face tuition at an adult education institute (your local library will carry a list of courses). If you fancy getting away from it all to try out your skills, you can search for painting holidays at www.artcourses.co.uk.

Paints and brushes can be costly. If you are a beginner you may be reluctant to spend a lot of money on materials and equipment so it’s worth checking out Ebay or local boot fairs to see if you can pick up a bargain lot. If you can’t afford to purchase a raw canvas, buy a secondhand block print in a charity shop, paint over the existing image with a plain colour then create your masterpiece.

Paying charity shop prices means you don’t have to worry if your artwork doesn’t

make it to Tate Modern!

When you first start to paint the important thing is not to set unrealistic goals for yourself. It may be years before you feel confident enough to hang your work in a room, but that shouldn’t stop you from enjoying the process. Follow the example of those riverside artists and make fun and relaxation your primary reason for picking up a paintbrush.

If all else fails, it’s a great way to attract attention on a Sunday afternoon!

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2. The acronym “yolo” was added to the Oxford online dictionary in 2014. What four-word phrase does it stand for?

3. In March, which famous couple said they were going to “consciously uncouple”?

4. Which country won the most gold medals at the 2014 Commonwealth Games?

5. Which country won the most gold medals at the 2014 Winter Olympics?

6. A selfie set up by the host of the Academy Awards ceremony in 2014 set a new record for the most retweeted image ever. Who was this host?

7. Rounded to the nearest whole number, what percentage of voters said “yes” in the 2014 referendum on Scottish independence?

8. On January 1st, which country in the Baltic region of Europe adopted the Euro as its currency to become the 18th member of the Eurozone?

9. Written by Harry Hill, the short-lived 2014 musical with the main title of I Can’t Sing was based around which TV show?

10. On July 8th, what promotion did the Róisín Dubh pub in Galway run that meant a German beer called Erdinger, which they started selling at 4 euros a pint, ended up being sold for just 50 cents a pint?

ANSWERS on p45

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The Truly ‘Green’ Garden

by Pippa Greenwood Well, it’s time to say good-bye to the year 2014 as 2015 is well and truly upon us. This is the month when it is really worth spending a bit more time than usual thinking about the year just gone and the one ahead. What are you going to do in your garden in the year ahead, what plans and dreams do you have?

What changes would you like to make? There are so many ways in which you can plot and scheme about all that your garden could have to offer in 2015, but there’s one thing I would ask you to consider: take the plunge, ring the changes and ‘Go Organic’, More and more gardeners have decided that they really want their gardens to be pesticide free zones, concentrating on natural methods of pest control, good gardening and the use of natural fertilising materials rather than chemical feeds.

And they do it because it works and makes life so much better for the other less powerful creatures and plants we share our space with.

Since we moved to our Hampshire garden nearly Page 32

twenty years ago, I have kept it completely organic and believe me, it really is not difficult. Weed control can certainly be harder as there is no resorting to herbicides such as glyphosate, but if your garden has been looked after and doesn’t have too many persistent weeds, even that should not be too difficult.

If you do have an existing problem then make weeding a regular part of your gardening time and you’ll be pleasantly surprised how speedily you start to get on top of it, and maybe even feel the need to spend less time in the gym and more time out in the fresh year getting a seriously natural and healthy work out completely free of charge. The rest is easy!

True, organic gardening does take a bit more planning and forethought than gardening that is reliant on an armoury of chemicals. If you grow vegetables you will need to ensure that you rotate your crops. Just approximately divide the space you have into three or four chunks and then ensure that each year you grow related crops together

and then the following year, each group of crops are moved in to a new plot.

It also pays to ensure that you really do garden as ‘well’ as you can, avoiding too many short cuts and taking the plant’s health and vigour as a prime consideration. In any part of the garden you need to try to choose plants that really are suited to the site as those grown in unsuitable conditions will struggle and be more prone to disease and pest attack. Don’t forget the old gardening adage, ‘Right Plant, Right Place’.

Regular patrols to find problems, so that they can be caught at the early stages and dealt with promptly, mean fewer problems in the longterm and should ensure that you catch an infestation of pests or a disease outbreak before it gets too bad. Often picking off pests or badly infested or infected leaves can be sufficient to prevent a problem developing.

Sprays of certain kinds are ‘allowed’ (those based on soft soap to control certain pests, copper based fungicides to

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control diseases etc) but most organic gardeners prefer to avoid them altogether. But they are there if you need them, although I find no need for them.

Barriers and traps are really useful – I am a great fan of horticultural fleece. Placed over a crop such as calabrese from the moment you plant it out, you should be able to ward off all the common pests including caterpillars, cabbage root fly and aphids. Traps such as submerged beakers of old beer or milk to catch slugs, sticky yellow cards to trap flying pests, all work well.

And where would I be without sticky backed copper tape and copper rings to keep my veg crops slug free? Of course for many pests there are also biological controls available

– to keep vine weevils and slugs at bay in the garden, to stop ants driving you insane, to sort out pesky caterpillars and to make your lawn free from leatherjackets, plus a whole range of controls to stop greenhouse pests such as red spider mite, whitefly and mealy bugs.

Keeping the soil in good condition is a must and if you don’t already have a compost bin or heap, get on and make or buy one straight away.

Garden compost is a fabulous soil conditioner and is packed full of nutrients…..all at little or no cost.

Some of these things will add to your gardening budget, but remember that you will not need to spend your hard earned cash on chemical fertilisers, pesticides or

spraying equipment, and of course you won’t need to spend time applying the sprays.

The choice is up to you, but I strongly recommend it, for a whole host of reasons, only some of which I have mentioned here.

Visit Pippa’s website www. pippagreenwood.com and make veg growing easy with ‘Grow Your Own with Pippa Greenwood’ – Pippa sends your chosen veg plants to you at a perfect time for planting and each week emails advice and tips for getting the best results; plus lots of great barriers and biological controls.

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Down

2 Gangster (9) 3 Military trainee (5) 4 Deserving of esteem (9) 5 Hardwood, carpeted or _____ floors (5) 6 Bargain (9) 7 Robber (5)

Page 34

8 Ordinary (7) 9 Explosions (6) 15 Greasy (9) 17 They rent apartments (9) 18 An expert manner of speaking (9)

19 Free from error (7) 21 Induces vomiting (6) 23 Belief (5) 24 Not a winner (5) 26 Pertaining to modern day Persia (5)

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the

LEGAL EAGLE Claiming compensation in relation to potholes

By Dean Dunham of Consumer UK Over the past few weeks I have received lots of emails from readers asking if they can sue anyone if they drive into a pothole and it damages their vehicle. The simple answer to this is yes, here’s what you need to know: 1.

Who can I sue?

The Local Authorities throughout the UK are responsible for the roads that fall within their area (if they have been adopted by them). This means that if you damage your vehicle due to a road being in a bad state of repair, you can turn to the relevant Local Authority that is local to the road in question and ask them to pay for the repairs.

2.

What does ‘adopted road’ mean?

This means that the Local Authority has taken responsibility for it. On most occasions this will be the case. By way of example, when a new housing development is built the roads on the site usually belong to the developer who purchased the land, whilst the development is in progress. On completion the Local Authority will then ‘adopt the road’.

3.

How do I make a claim?

To make a claim follow these steps: i) Gain as much information as you can on the pothole you hit as soon as possible after you hit it. As long as it is completely safe to do so, take photos using something such as a ruler to give an idea of scale, and measure the width and depth of a pothole. Keep it as accurate as possible - exaggerations won't help.

Make a sketch of the area, showing the location of the pothole as best as possible. This is particularly important if there is more than one pothole, as saying you hit "a pothole" without being able to identify the exact one won't help you. Note also the lateral position of the pothole, i.e. was it in the wheel tracks, near the edge of the road, etc. ii) You now need to know certain information about the road and how the Local Authority looks after it.

Only the Local Authority will know this so you need to ask them. There is a law known as the Freedom of Information Act 2000 and the Environmental Information Regulations 2004 and under these laws you are entitled to any information (usually free of charge) that is held by a council or highways agency about a road and the safety inspections of it. Armed with these laws you need to send the Local Authority an email with the heading 'Freedom of Information Act - Request for Information'.

Your email needs to identify the road and ask the following questions: a. Dates of all safety inspections undertaken on the carriageway in the two years preceding the date of your incident b. Details of all carriageway defects identified during safety inspections in the two years preceding your incident c. Details of how carriageway safety inspections are undertaken, including whether walked or driven, the speed of the inspection vehicle and the number of persons in the vehicle. d. The intended frequency of carriageway safety inspections. e. Details of all complaints and/or enquiries relating to the carriageway, received in the two years preceding your incident. f. The hierarchy classification. g. The road/section number. h. The defect intervention criteria adopted in relation to the identification of all categories of carriageway potholes (in other words, this means how they define a pothole as requiring attention) i. The time period(s) adopted between identification and repair (temporary and permanent) of all categories of carriageway defects. j. Whether or not the authority has formally adopted all or part of the standards contained within the national code of practice for highways maintenance management.

Obtaining answers to these questions is important as under section 58 of the Highways Act (another law governing roads) Local Authorities can avoid paying compensation to people who have damaged their vehicle after driving over a pothole if they can show that they have taken reasonable measures to ensure that problems such as potholes are found and dealt with swiftly. iii) Armed with the information that you have received from the Local Authority send them a letter and make your claim. Don’t be surprised if they reject the claim to start with. If this happens write back and demand that they look at your claim again.

For more information visit Dean’s FREE legal and consumer website: www.consumeruk.co.uk

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@dean dunham Page 35

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Home & Interiors Design A Blissful Bedroom

Your bedroom is a private retreat, a special place in which to relax, unwind and express your true personality. Our tips from expert Katherine Sorrell will help you make it as comfortable, functional and beautiful as possible

By Katherine Sorrell

First, think about how you use your bedroom – is it just for sleeping, or do you listen to music, watch TV, make phone calls or even work? You will need to allocate space for each different function.

Then, consider the atmosphere you want to create – would you prefer a light, bright and airy room, or one that is dark and dramatic? In general, soft and gentle colours are considered most restful, and it is a good idea to avoid loud patterns and clashing shades. A feature wall (perhaps behind the bed head), with either one strong paint colour or an interesting wallpaper pattern, can be a great way to provide interest without going over the top.

In high-traffic areas such as halls and living rooms, carpet (if used at all) needs to be hardwearing and practical.

In a bedroom, however, wear and tear is not such a factor, spills are not such a risk and bare feet are more likely to be the norm. All of which means that this is the ideal place to give your toes a treat and opt for a sumptuous, deep-pile carpet. That said, natural or painted wooden floorboards with a few rugs scattered about (on each side of the bed in particular) is an alternative with masses of character.

Whether you use curtains, blinds or shutters, your windows should be well-covered, both for privacy and to avoid early-morning sunlight waking you up.

Sumptuous curtains with a blackout lining will do the trick, as will louvered shutters – which also offer an extra element of security. Roller blinds are plain and simple, and ideal where space is restricted, while Roman

Get a reallY GOOd niGht’S Sleep • Choose as big a bed as you can, as disturbance from a partner is one of the most common causes of sleeping complaints.

• The mattress should be comfortable and supportive. Lying down, slide the flat of your hand into the hollow of your back. If it slides in very easily, the bed is too firm; if it’s hard to slide your hand in, the bed is too soft.

• If you and your partner prefer different mattresses, or are very different in weight, you may need a combination mattress, or two singles that zip together.

• Launder pillows regularly and replace every few years.

Page 38

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blinds pull up in lovely soft folds that give an attractively draped effect.

ladder leant against the wall for scarves, spare bed linen or clothes.

Aim for the maximum storage possible: ideally a combination of floor-to-ceiling fitted wardrobes with free-standing pieces for character and flexibility. If in doubt, the only way to calculate exactly how much storage you need is to take a tape measure and calculate square footage for long and short hanging, folded clothes, shoes, blankets, linens and other items. Plan the interior of a wardrobe with the utmost precision, and look for gadgets such as tie racks, belt racks and pull-out trays.

If you’re really short of space, clever storage ideas include under-bed drawers, stacking boxes, canvas “tidies” hung on the back of the door, plastic shoe racks stacked inside the wardrobe, and a bamboo

Subtle, flattering lighting is best for a bedroom, and if yours is not quite how you would like it you can make some quick, easy and inexpensive changes such as adding a table lamp or two in the corners, and fitting a dimmer switch to a central pendant. A strong, bright light, on the other hand, is essential above a dressing table mirror (don’t position it to one side – it will cause awkward shadows).

For bedside reading, a pair of swing-arm, wall-mounted lights will free up space on a bedside table – some types include tiny, adjustable spotlights so you can enjoy a novel without disturbing your partner.

Lastly, to transform a bedroom from boring to boudoir, introduce sumptuous bed

linens that are gorgeous to look at and enjoyable to touch – cool and crisp or cosy and warm, depending on the time of year. The quickest and easiest way to put together a gorgeous-looking bed is simply to use plain white or off-white sheets, pillow cases and a duvet cover, and add a stunning throw, blanket, eiderdown or quilt – or several, for eye-catching colour and pattern. Layer texture on texture, plains with patterns, modern with vintage – creating a serene and luxurious, indulgent retreat.

images: Layer bed linen for an interesting mix of textures and attractive effect. This design, of pleats, ruched cotton and grey hand stitching on 100% cotton percale, would work in a traditional or modern room. Ruffle Pleat bed linen, from £28 for a pair of pillowcases, The French Bedroom Company, 08456 448022; www. frenchbedroomcompany.co.uk.

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Dive 90’s scuba instructors and divemasters have between them many thousands of logged dives and a knowledge of diving that is second to none. So whether your aim is to explore coral reefs and observe their diverse marine life or research and dive a shipwreck, our training will give you the knowledge and confidence to get the most out of every dive.

Our courses are supported by weekly club meetings and a well-stocked dive shop where we offer expert guidance and advice. We also arrange regular trips to some of the best dive locations in the UK and worldwide.

In addition to scuba certification training, we offer a wide range of speciality courses. As well as the more usual specialities – see the navigation list to the right – we also offer training in: Aware Coral Reef Conservation Aware Fish Identification Boat Diver Diver Propulsion Vehicle Drift Diver Master Scuba Diver

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The Wealth

CHEF

Damned if you do, damned if you don’t “Don’t toot your own horn”, “Don’t boast!” “Hide the good things in your life so you don’t make others feel bad about their lives” “Don’t take more than your fair share”

believing that when we are wealthy enough, successful enough, pretty enough, fit enough, clever enough those “bad” feelings will disappear and just the “nice” ones will remain.

I used to feel shame about not having money and so I pretended I had it, believing that once I had the money, I would no longer feel ashamed.

Here’s The Doozy - The Double Bind - The Real Kicker

So here I am, financially free, living the life of my dreams, with wonderful experiences, people and opportunities flowing in my life - and a part of me believes I need to hide that and pretend I don’t have all this. Perhaps I have too much good in my life.

Perhaps I’ve been greedy.

Only when we realise there is nothing we need to (or indeed can) do, create, be, or have to make us worthy; can we actually do, create, be and have all we dream of.

Catch 22 meets One Flew Over the Cockoo’s Nest.

Please indulge me a bit here. It’s time to shed the shame around money, success and receiving all the good in our lives openly and with joy.

Time to shed the shame around: not having it; having it; being in debt; not being in debt; not knowing how money works; and knowing how money works and making it work hard for you Being successful Not being successful Being pretty Not being pretty Having a wonderful loving relationship Not having a wonderful relationship At a young age we connect a gambit of emotions such as feeling worthy, lovable, happy, as well as feeling guilt, shame and inadequacy to things outside of us. Things like money, relationships, success, intellect, or our physical appearance. We then spend our time and energy pursuing the emotions we want and running from those that make us feel bad,

Our pursuit is futile. The solution is not outside of us.

Doing, being, creating, having, contributing, taking, experiencing... have absolutely nothing to do with our worth. We just are!

When we can fully embrace this, when we can fully accept the truth that our worth will never come from outside of ourselves, when we de-couple our selfworth from our money, relationships, success, body shape and achievement - that is when it all starts flowing beautifully.

That is when we free ourselves to just play at this wonderful thing called life and pursue the money, relationships, success, intellect and fit healthy bodies because we can!

Ann Wilson is a multi-millionaire with a difference.

Today Ann is a woman with a mission and a big message for the World as ‘The Wealth Chef’. The Wealth Chef International works with people all over the world, bringing much needed wealth education and hope to thousands from every walk of life. Ann is a sought after money expert and speaker by large corporations. She is also a regular on International radio and TV having been featured on 702 Radio, Kaya FM, Classic FM, Power FM, SABC and CNBC.

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What's On in Jan/Feb New Year’s racing Thursday 1 January, gates open at 10.30am, Cheltenham Racecourse, Evesham Road, GL50 4SH Toast to 2015 at Cheltenham Racecourse, where no less than seven races and a chance to continue the NewYear celebrations with family and friends awaits this NewYear’s Day. There’s seven compelling contests lined up on the track from 12.10pm. Pony Club members and their families will have the chance to get an exclusive peek behind the scenes in a series of special racecourse tours.There’s usually also children’s entertainment.Ticket prices range between £12 and £25 in advance, or £15 and £30 on the day, with packages and group discounts also available.Tel: 0844 579 3003

Great Expectations in Prestbury Friday 9 January, 7pm PrestburyW.I Hall, 335 Prestbury Road, Cheltenham, GL52 3DF Well-known for its popular outdoor summer productions, Gloucestershire’s brilliant touring theatre company, Rain or Shine, returns this winter with Charles Dickens’ classic Great Expectations. Tickets: £10, £6 for children. Tel: 01452 521575 Cheltenham Civil Service Club Over 30s Disco Friday 9 January, Friday 6 Feburary, 8pm-12am Cheltenham Civil Service Club,Tewkesbury Road, Uckington, Cheltenham, Glos, Gloucestershire GL51 9SL Over 30s disco on the first Friday of every month. All types of music played from the 50s to the present day - disco, jive, motown, rock n roll etc. Friendly group, all welcome. Dress code is small casual (no jeans please). Bar and large car

park. Admission: £5.

Philharmonia Orchestra concert Sunday 11 January, 3pm Cheltenham Town Hall Often hailed as one of Britain’s greatest orchestras, the Philharmonia Orchestra will once again be returning to CheltenhamTown Hall much to the delight of the concertgoers across the county.The concert will be led byVenezuelan conductor, Domingo Hindoyan, who is currently Barenboim’s right-hand man at the Berlin State Opera, with rising Russian pianist, Pavel Kolesnikov, completing the star line-up.

Music aficionados will have the chance to hear Kolesnikov deliver an exuberant performance of Beethoven’s final and greatest piano concerto,‘No.5’ in E flat major, followed by his‘Symphony No. 7’ in A major.The orchestra will also be treating the afternoon crowd to a performance of Grieg’s‘Holberg Suite, Op. 40’.Tickets from £11.50.

Prazak String Quartet Wednesday 11 February, 8 pm Pittville Pump Room The Prazak Quartet will return to Pittville Pump Room in Cheltenham after almost a decade for a rare concert performing music such as Dvorak Quartet in E flat major.

Tickets start from £17, under 25s: free of charge. Tel: 0844 567 2210 Pomegranate Piano Trio concert Tuesday 13 January, 8pm Pittville Pump Room Young members of Pomegranate Piano Trio will perform the masterpieces from the classical era and the 20th century such as Mozart, Schoenberg and Schubert on Tuesday 13 January 2015.Tickets start from £15, under 25s: free of charge.Tel: 0844 567 2210.

Burns Supper Friday 23 January, 7pm Reddings Community Centre, North road West, the Reddings, Glos, Gloucestershire GL51 6RF Scottish Dance with Haggis Supper.

Contact 01452 306857. Tickets in advance.

Cheltenham Festival Trials Day Sat 24 January, gates open at 10.30am, Cheltenham Racecourse, Cheltenham, GL50 4SH Find your future winner at the Festival Trials Day 2015 in Cheltenham. Canny punters hoping to pick up a clue or two on who to back atThe Festival and Gold Cup will be heading to Cheltenham

Racecourse for the annual FestivalTrials Day. A grand total of seven races will be taking place from 12.40pm.The races will be followed by a Brightwells Bloodstock Sale, which is expected to include a limited number of quality horses in training, point to pointers and bumper horses.Ticket prices range between £12 and £25 per day in advance, or £15 and £30 on the day, with packages and group discounts available.Tel: 0844 579 3003 Folk Three Festival Friday 13 - Sunday 15 February, from 7.30pm, Cheltenham Town Hall The newly-launched FolkThree Festival will see some of the best folk acts take to the stage over three nights.The event will attempt to boldly combine the traditional elements of the former folk festival with modern touches to attract broader crowds. Fri 13 Feb: Chris Wood; Shooglenifty, Laura-Beth Salter and Kaela Rowan; Sat 14 Feb: Rory McLeod, Eliza and Martin Carthy: Sun 15 Feb:The Blair Dunlop Band, Seth Lakeman.Tickets for each evening concert cost £20, weekend tickets are £50.Tel: 0844 576 2210 A Sound of Music Sing-a-long Wednesday 18 February, 7pm Everyman Theatre Celebrating the hit film’s 50 year anniversary, ‘sing-a-longers’ can expect to find the Everyman filled with musical fans dressed in a myriad of creative outfits, and while fancy dress isn’t compulsory it helps get the crowd in the spirit – with a costume competition for best dressed invited onto the stage to show-off their originality.Then sit back and watch the smash-hit Julie Andrews musical in full-screen Technicolor, complete with subtitles so that even if you don’t know the words, you can still sing – or yodel – along.You don’t need to be a classically trained singer or karaoke regular to take part in this fun-filled evening.Tickets: £19.Tel: 01242 572573

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Review Of The Year ANSWERS 1. Monty Python 2. You only live once 3. Gwyneth Paltrow and Chris Martin 4. England 5. Russia 6. Ellen DeGeneres 7. 45% 8. Latvia 9. The X Factor 10. They reduced the price by 50 cents for every goal Germany scored in the World Cup match against Brazil.

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MINI ON MOTABILITY. NEW MINI HATCH. BIGGER, BETTER, WIDER FROM £0 ADVANCE PAYMENT*.

The all new MINI Hatch is our most thrilling and advanced MINI ever. It’s packed to the rafters with features and options like Parking Assistant Pack, Head-up Display and Adaptive Cruise Control to make driving easier, smiles wider and fuel go further.

MINI COUNTRYMAN. TAKE NEW ROUTES FROM £0 ADVANCE PAYMENT*.

The steep grille and powerful shoulder line are further emphasised by the distinctive headlights. At the rear is the eye-catching large tailgate with a MINI badge that doubles as a boot-opener.

To help you choose the right MINI for you please contact our MINI Motability Specialists: COTSWOLD CHELTENHAM Steve Bill 01242 587029 Rachael Brown 01242 587029 Richard Taylor 01242 587029

stevebill@cotswoldgroup.com rachaelbrown@cotswoldgroup.com richardtaylor@cotswoldgroup.com

COTSWOLD GLOUCESTER Ed Champion 01452 872626 Dale Walker 01452 872626

edchampion@cotswoldgroup.com dalewalker@cotswoldgroup.com

COTSWOLD CHELTENHAM

COTSWOLD GLOUCESTER

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

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

Official Fuel Economy Figures for the MINI Range: Urban 27.2-72.4 mpg (10.4-3.9 l/100km). Extra Urban 47.9-91.1 mpg (5.9-3.1 l/100km). Combined 37.7-83.1 mpg (7.5-3.4 l/100km). CO2 Emissions 175-89 g/km. Figures may vary depending on driving style and conditions.

*The MINI range is available on the Motability Contract Hire Scheme and start from Nil (£0) Advance Payment for the New MINI Cooper 3-Door Hatch and MINI Cooper Countryman, with £99 dealer contribution from Cotswold Group (terms and conditions apply). Models featured are a MINI Cooper Hatch with £970 worth of optional extras and a MINI Cooper Countryman, under the Motability Contract Hire Scheme. All prices are correct at time of going to press December 2014. The facilities offered are for the hire (bailment) of goods. The Motability Contract Hire Scheme is administered

by Motability Operations Limited (Registered Company No. 1373876), City Gate House, 22 Southwark Bridge Road, London SE1 9HB. To qualify you must be in receipt of the Higher Rate Mobility Component of the Disability Living Allowance, the Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP), the War Pensioners’ Mobility Supplement (WPMS) or the Armed Forces Independence Payment (AFIP), which will be taken in lieu of the four weekly rental.

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