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January 2016
January What‘s On Guide Making Room for Roses Gardening by Pippa Greenwood
New Year, New Style?
Home & Interiors by Katherine Sorrell
Martin Lewis Bank Accounts
The Millionaire Maker Local Writer Richard Denny
Local News Local Businesses Finance
Begin the New Year with a Budget Time for a New Tradition
This month’s magazine distributed in Leckhampton • Montpellier • Tivoli • The Park • Bath Road Town Centre • Naunton Park • Sandford Park • 10,000 copies
Also available to view online at www.cheltenham-magazine.co.uk
Import Furniture Depot
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Square Foot Showroom our Showroom Filled with oak and2000 pineVisit furniture, massive stock levels in living room, bedroom, Filled with oak and pine furniture, massive stock dining room and occasional furniture. Lots of chairs to chooselevels from ininaliving wideroom, varietybedroom, of fabrics and styles dining room and occasional furniture. Lots of chairs to choose from in a wide variety7 of fabrics stylesorder tables in many different sizes too. All with very quick delivery times - normally within days fromand placing tables in many different sizes too. All with very quick delivery times - normally within 7 days from placing order
Still time for Pre-Christmas Delivery! Still time for Pre-Christmas Delivery! Living Room Ranges Living Room Ranges Dining Room Ranges Dining Room Ranges Bedroom Ranges Bedroom Ranges Occasional Furniture Occasional Furniture
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272 - 274 High Westgate RetailStreet Park (Opposite the Brewery) WestgateDunelm Retail Park (Opposite Cheltenham, GL50Mill) 3HQ (Opposite Dunelm Mill) Tel: 01242GL1 577006 Gloucester 2RU Gloucester GL1 2RU
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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk
HPS TR Ltd, Newent
Britain’s Premier Sport Shooting Supplies Company HPS Target Rifles are now able to offer an INTRODUCTION TO HAND LOADING COURSE to suit your needs. Launched in July 2015, HPS is now offering a 1-day course for up to 4 people per course and will be looking to build on this course with an INTERMEDIATE HAND LOADING COURSE to be launched in 2016 for those who wish to improve their skills. The Introductory Course will be held at the Old Bisley Gun Club, Bisley Camp, Surrey at pre-arranged dates. Participants will learn the basics from case preparation to bullet seating before heading off to the range to shoot their own hand loaded ammunition tailored to their rifle. For more information or to book get in touch and let us know about your requirements.
Tel: 01531 822 641 Fax: 01531 828 741 E-mail: info@hps-tr.com Website: www.hps-tr.com Please mention Cheltenham Magazine when responding to advertisers
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Cheltenham's leading home improvement, double glazing & property development company. Unit 5, Lower Mill Street,
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For a hassle free no obligation quote Call Gary on 01242 221192 E-mail: indeluxe.windows@btconnect.com
Visit Cheltenham's largest double glazing showroom Windows, Conservatories Bi-Fold Doors, Residential Doors Lanterns, Orangeries As part of the RFL Group we are now able to supply locally manufactured kitchens and bathrooms and offer a complete project management service. We are founding members of the DGCOS which means we provide an Insurance Backed Guarantee with Deposit Protection and a 10 year guarantee on our installations giving you peace of mind.
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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk
From the Editor
Local Magazines Published by Glos Directories - connecting local businesses with local people
Dear Reader, Here's hoping you had a wonderful Christmas and you have been able to take some time out to relax! Thank you to our readers for supporting the local businesses that advertise with us. From all of us at Glos Directories and Cheltenham Magazine, we would like to wish all our readers and local businesses a Happy and amazing New Year, may 2016 bring all you have wished for and more! If you have made some New Year's Resolutions for 2016, have a look at Richard Denny's article on page 9, where he has some great tips on goal setting. Our other monthly articles are as always a great read too and we've included some extra puzzles for you to enjoy over the holidays, so grab a cup of tea and sit back with your January issue of Cheltenham Magazine. Best wishes,
Vicky Muller
- Editor
Cheltenham Magazine Distribution Areas
Distributed in Feb, Apr, Jun, Aug, Oct, Dec Charlton Kings, Charlton Park, Moor End, Prestbury, Pittville, Fairview. (10,000 copies)
Distributed in Jan, Mar, May, Jul, Sep, Nov Leckhampton, Montpellier, Tivoli, The Park, Bath Road, Town Centre, Naunton Park, Sandford Park. (10,000 copies)
Cheltenham Magazine prints 10,000 copies per month. All our magazines are also available to view online. Please visit www.cheltenham-magazine.co.uk, email us on info@cheltenham-magazine.co.uk or call us on 01242 500 028 to request advertising rates for Cheltenham or should you like information on any or all of the other publications which we publish in Gloucestershire.
Please like us on Facebook.com/CheltenhamMagazine Follow us on Twitter @CheltenhamMag
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Request a price list online or call to book your space in Aug/Sept Magazine Book now to be included in the next Issue and grow your business locally. Please mention Cheltenham Magazine when responding to advertisers Page 5
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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk
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.
A Vintage Year “A person going nowhere normally gets there” is a well-known and irritating saying but sadly true. January is the month when many of us think about the year ahead and what we hopefully will do in the year. These thoughts are usually driven by what will make us and our loved ones happy. So we often start with New Year’s resolutions of losing some weight, getting a little fitter or giving up some bad habit. Unfortunately these well intentioned resolutions (not really goals) gradually get superseded by the pressures of life, a lack of determination or realisation of the sheer joy and pleasure resulting from their achievement. Just such a small price of effort can and will reap years of fulfilment and joy. January is also the month for thoughts about real achievement goal setting. Apparently this is the month when most people chose their holidays and talk and think about other things they want to do, own, or achieve in the year ahead.
Let me remind you of one of the essential ingredients for happiness that is to have something to look forward to. So what do you want to do this year? Your most wonderful asset, your brain, needs help to give it direction and purpose, so help it by giving it some goals. You will be amazed by what it will do, especially when bolstered with a prayer or two and some plans. So here are a few tips to make 2016 a vintage year: 1. Make a goal list of all the things you want to do and achieve this year. 2. If you have a partner in your life, share and discus with them. You both can have some separate goals but there must be some you can share or want together. 3. Set down some deadlines. Your brain needs some time deadlines to perform well. 4. Plan each goal as you would if you were going on holiday. 5. Now get going! There are some people who MAKE things happen. There are some people who WATCH things happen. There are some people who WONDER what happened. For more detailed information and help join the Denny Business Academy for free.
For success and wealth go to www.dennyacademy.com
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Chalk Talk Happy New Year! As we look forward in 2016 I believe Cheltenham is well placed to enjoy a great year. In 2015 important foundation stones were laid for some exciting progress. First, John Lewis announced that they will be opening a flagship store in the Beechwood Arcade. Soon we can expect work to begin on the old facade. With a vibrant new frontage this is an important step towards revitalizing our High Street. Let’s see the tacky tarmac in-fills replaced with proper paving at the same time! In due course this will mean another 250 people employed locally, and a great boost to our reputation as a retail destination. Second, education is close to my heart. In the year when my eldest daughter reaches school age, I will continue the campaign for
greater funding for our excellent schools. Cheltenham’s schoolchildren receive less per head than the national average, and I have been speaking out in Parliament about this injustice. Last year we received the excellent news that the Government will be introducing a new funding formula. I’ll be keeping up the pressure for a fair settlement for Cheltenham. Other campaigns I will be pursuing this year include for cheaper parking. It is simply not sustainable that parking here is significantly more expensive and less flexible than in rival centres like Gloucester or Cribbs Causeway. I’ll also be pressing on with my ‘grot spot’ campaign, with bent railings, graffiti and derelict buildings all in my sights.
the issue of improving care for mothers whose children are born with tongue-tie. It’s something which can cause great – and unnecessary – anxiety.
In Parliament, I continue to sit on the Justice Select Committee and also cochair the All Party Parliamentary Group on Cycling. I am also working on my own Commons campaigns, including seeking greater protection for victims of stalking, following the dreadful experience of a Cheltenham GP. I also want to take up
But here in Cheltenham let’s look to 2016 with hope and optimism. Whether it’s pressing on with our Cyber Innovation Centre or welcoming new restaurants, it’s going to be a good year. - by Alex Chalk
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Town Centre Talking Markets are for life – not just for Christmas Looking back on the festive season in Cheltenham, one of the town’s most popular offerings was the Christmas Market. With its familiar wooden chalets, it gave a distinctive feel to the town centre and to the Prom in particular. This time, there were more than 40 stalls and the demand was so high that many traders’ applications were turned down. But in the same way as a dog is for life, not just for Christmas, markets have a part to play in a busy town centre all year round. Geraud Markets, the company that ran the Christmas Market, will be back with its international markets on the Prom in both May and October. And Evesham-based Cotswold Markets is a major local player organising both the Farmers’ Market and the Craft Market on the Prom and Long Gardens. The Farmers’ Market has been appearing on the second and last Friday of every month for more than 12 years now and was one of the first professionally
organised local food events in the area. It’s great to see locally-produced food so readily available. The monthly Craft Market, normally on the third Saturday of each month, allows locally based artists and craftspeople to sell their wares. In common with all the other markets, spaces for stalls are limited because of the demand. And it won’t stop there in 2016. Cotswold Markets are currently in talks with the borough council about launching a new market from March. The Fine Food and Drink Market would be held on the first Saturday of every month, normally on the Prom. As well attracting producers from a 30-mile radius of Cheltenham, it will also be open to locals who import from abroad. A range of French wines is likely to be among the attractions. The popularity of our markets highlights the fact that one thing Cheltenham lacks is a venue for an indoor market that could run all year round. It would probably be on many people’s wish list if
we were building our town from scratch. Concerns have been raised in the past about whether large markets on pedestrianised areas like the Prom actually damage the established shops that battle for trade – and pay business rates – all year round. My overall impression is that the increased footfall that the markets bring benefits our town centre stores as well. On the first day of the Christmas Market, 11 coaches rolled in from Wales. They had been attracted by the market – but all those customers were seen spending in the shops, restaurants and pubs as well. It’s a balance that we need to ensure we get right – and do most of the time. - by Kevan Blackadder, Town Centre Manager
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Page 13
Make Room for Roses by Pippa Greenwood
It’s the perfect time of year to plant roses, and there should be a good selection in local garden centres or from specialist rose nurseries. Although roses look good in beds, borders and containers, why not create your own fantasy rose arch or roseclad arbour? Transform an existing arch or pergola by planting roses now to ensure fabulous colour for many summers to come. Alternatively, create your own using sturdy timber or buy a good quality wooden or metal arch or pergola kit. Start by deciding whether to use ramblers or climbers to cover your pergola or arch. Ramblers are easier to train but only flower once a year, whereas many climbers have two flowering periods or flower intermittently for months. Many roses are strongly coloured, so ensure that these will look good with adjacent planting and will not clash with nearby painted or treated surfaces such as decking or garden furniture. Perfume is a vital ingredient - walking beneath an arch or pergola laden with perfumed roses on a warm summer’s evening takes some beating! If you get your roses delivered, don’t be put off if they have Page 14
somewhat lopsided roots, uninspiring woody stems and little else. This is normal, but despite their forlorn appearance they usually establish well. Do try to plant as soon as possible, but if not make sure that you keep the root systems moist by wrapping in thoroughly moistened hessian or by burying the roots temporarily in garden soil. Make your planting hole close to the base of the arch or pergola: a distance of about 30 – 45 cm (12 – 18 in) works well, but keep away from concrete footings or other material located in the soil. Although roses quite like fairly heavy soil, for clay soils likely to waterlogging prepare a sizeable area before planting by digging in well rotted manure, garden compost and grit, which also ensures good fertility. If the roots of bare root roses are lopsided and crammed together, spread them out before planting. Soak the roots in water for a couple of hours before prising them apart, prune out any which have been damaged and plant the rose immediately. Ensure you plant at the correct depth: the swollen graft point slightly above where the roots start protruding should be just above soil level. Once in place,
keep your rose well watered during dry conditions, paying particular care over the next 18 months. Apply rose fertiliser and top up the mulch in spring. Newly purchased roses are unlikely to have much in the way of top growth, but once they get going you will obviously need to train these stems into the arch or pergola, securing them at regular intervals with great care, so that they are not damaged by being buffeted against the arch or pergola during windy weather. I like to use the steel wire with a dense foam covering – strong but soft! Good varieties for planting over pergolas and arches include Veilchenblau ‘Paul’s Scarlet’ (climber), Excelsa ‘Crimson Shower’, Albertine Albericbarbier ‘Golden Showers’, ‘Iceberg’ (climber), Malvern Hills ‘Super Fairy’, ‘Gloire de Dijon’, ‘Zéphirine Drouhin’. Make vegetable growing fun with Pippa’s unique ‘Grow Your Own with Pippa Greenwood’ system. Select the vegetables you’d like to grow at www.pippagreenwood. com and your garden-ready plants will be delivered in May, accompanied by weekly emails packed full of advice and tips. It is great value and various pack sizes are available. Gift cards are available too.
To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk
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Retired Police
Handyman Service A network of trusted and reliable retired police officers who provide high quality handyman services to families, individuals and businesses in Cheltenham, Gloucester and surrounding villages
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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk
Reliable Local Handymen Retired police officers in Cheltenham are pioneers in an ambitious national network of highly vetted handymen launched by ‘Blue Local Handymen’. Helping to combat the ongoing problem of cowboy builders and dodgy tradespeople, local retired police officers with a passion for home maintenance are taking up tools to provide peace of mind to the residents and businesses of Cheltenham and Gloucester. Typically police officers retire after 30 years service and a huge number are still eager to continue playing an active and productive role in their communities. All of the handymen prove themselves capable and experienced in indoor and outdoor home maintenance
works before joining the network and carry recent Enhanced CRB (Criminal Record) Checks. Managing Director, Nick Orde-Powlett, hopes that the company’s rigorous selection process will bring security and peace of mind to people in the area: “Our vetting process is second to none. All of our handymen are friendly retired police officers with many years working in the community under their belt – they understand peoples’ concerns and fears better than anyone else and they genuinely care.“ Handyman Richard Smith states: “I enjoy being a general handyman, and especially like gardening. Joining up with the Blue team creates opportunities for us to work in our
local communities. I have met many people that have either had bad experiences, or heard nightmare stories about rouge handymen. They just don’t call anyone to do the things that they either haven’t got the time or capability to do themselves. We can get on with whatever needs to be done without the clients having to worry." More information can be found on the website www.trustinblue.com and bookings can be made either by calling freephone 0800 255 0 255 or emailing helpdesk@ trustinblue.com
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Musical Annie Anything Goes Cabaret Carousel Cats Chess Chicago Dreamgirls Evita Fame Funny Girl Gigi Godspell Grease Gypsy Hair Kiss me Kate
Mame Tommy Mamma Mia Show Boat Mary Poppins Oliver
Find the names associated with musicals in the grid and the remaining letters will spell out a related phrase Page 18
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A four pawed health kick for 2016! A new business has launched in Cheltenham, offering dog owners in the area a home based alternative to kennels Run by Alexis Bennett and her puppy Brea, the newest branch of Wagging Tails gives dogs their very own holiday as the only guest in the home of a specially selected dog carer. All Wagging Tails carers are experienced current or former dog owners, are at home during the day, have been licenced by their local council and are fully insured. Alexis, a resident of Uckington, has been a dog lover for many years. Having recently welcomed Brea into her family, she is embracing the joys of her company and is looking forward to the health benefits of walks on crisp, bright January mornings. New Year is often a time when people think about their health, with resolutions made (and subsequently broken!) to go to the gym or start a diet. Many people are unaware of the health benefits of having a dog in the home. These benefits go far beyond the physical improvements associated with gym membership or dieting. Writing in the British Journal of Health Psychology, Dr Deborah Wells reviewed a number of previous research papers concluding that dog ownership can be shown to help prevent us from becoming ill, facilitate recovery from ill health, reduce levels of anxiety, loneliness and depression as well as enabling greater social interaction for owners. Dog ownership obviously brings a significant amount of responsibility and commitment, something that many, for a number of reasons, are unwilling or unable to take on. You do not necessarily have to own a dog to benefit your health and wellbeing, as many
charities are often looking for puppy walkers or dog foster families. Sandra Reeves loves dogs and decided to join dog boarding company Wagging Tails as a dog carer. She now welcomes guest dogs into her home for their holidays when their owners go away and, in addition to the companionship and the health benefits of having dogs around, also receives a small payment for looking after her four-legged guests.
“It is a great opportunity to meet so many different types of dog. It provides me with lots of long walks and I get to meet so many other dog owners when out and about, making lots of new friends in the process.� Alexis is looking for potential carers who would like to welcome dogs into their homes for a holiday. To find out more about becoming a Wagging Tails carer, please contact Alexis on 01242 681488 or 07900 817504, email gl@waggingtailsuk.co.uk or visit www.waggingtailsuk.co.uk/gl
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MARTIN LEWIS MARTIN LEWIS Bank Accounts Fancy some free cash? Well, those generous bowler hatted ladies and gents Bank Accounts at your bank are giving it away. Quite literally, they will to pay you up to £150
to switch bank account - and, as it can also improve the service and features, Fancy grab some it. free cash? Well, those generous bowler hatted ladies and gents at your bank are giving it away. Quite literally, they will to pay you up to £150 toThe switch account - and, market as it canisalso service and features, bankbank account switching red improve hot, withthe many banks willing to pay grab it. custom. for your The bank switching market is red hot, with many banks willing to pay Here areaccount the 10 need-to-knows. for your custom. Q. You’re talking about switching, but I’ve heard all types of horror stories? Here are the 10 need-to-knows. Martin’s A: Much of that is a legacy opinion from a few years ago. We’ve just celebrated the second birthday of what’s called ‘seven-day switching’, and Q.that’s You’re talking about butaI’ve all of types of horror made the processswitching, easier. I did pollheard of 100s people on mystories? Facebook Martin’s A: Much a legacy opinion from a fewand years ago. We’ve just page who’d triedofit that and is 82% said they found it 'easy hassle-free', while celebrated the second problems. birthday of what’s called ‘seven-day switching’, and only 4% experienced that’s made the process easier. I did a poll of 100s of people on my Facebook page who’d tried and apply 82% said 'easy and hassle-free', In practice, whenit you for athey newfound bank itaccount, assuming you’rewhile only 4% experienced problems. accepted, three things happen within seven working days: In1.practice, whenorders you apply for a new bank assuming All standing and direct debits areaccount, moved for you. you’re accepted, three thingsis happen 2. Your old account closed. within seven working days: 3. All payments to your old account are auto-forwarded for three years. 1. All standing orders and direct debits are moved for you. 2.Yet Your closed.try it – last year only 2% changed bank accounts – stillold faraccount too fewispeople 3.strange All payments to your old account are auto-forwarded for their threebanks. years. So my as my mailbag is full of people complaining about message is stop bitching and start switching. Yet still far too few people try it – last year only 2% changed bank accounts – strange full of people complaining about their banks. So my Q. OK, as so my it’s mailbag easy, butiswhat’s this about free money? message is stop bitching and start switching. Martin’s A: Many of the challenger banks (those who want to break the Q.dominance OK, so it’s of easy, this about money? thebut old what’s ones) want you tofree switch to them so much they’re willing to pay you to do it. Martin’s A: Many of the challenger banks (those who want to break the dominance of the old ones) you to switchattomse.me/bankaccounts. them so much they’re But, There’s a full rundown andwant eligibility criteria willing to here pay you it. in brief, areto thedocurrent top picks: There’s a full rundown and eligibilitya criteria at mse.me/bankaccounts. But, – - FirstDirect.co.uk gives switchers free £100 (or more via some websites) incash brief,comes here are the28 current top picks: and paying in £1,000. within days of switching - FirstDirect.co.uk switchers a free £100 (or more via some websites) – Othergives benefits: It’s won every customer service poll I’ve ever run, cash comes within 28 it days of switching and paying in £1,000. 92% rate great, it has a linked 6% regular saver, 0% overdraft up to £250. Other benefits: It’s won every customer service poll I’ve ever run, 92% rate it great, it has a linked 6% regular 0% days overdraft - Halifax.co.uk/Reward gives a free £100 within threesaver, working of up switching.to £250. Other benefits: Pays £5 each month as long as you’re in credit. - Halifax.co.uk/Reward gives a free £100 within three working days of switching. - The marksandspencer.com current account gives a free £100 M&S gift card Other benefits: Payswithin £5 each month of asswitching. long as you’re in credit. (or more via some websites), a month - The marksandspencer.com current account gives you a free £100 M&S Other benefits: Unlike other accounts, don’t have to gift paycard in a (or more via set some websites), within month of switching. monthly amount (seea next question) linked 6% regular saver, 0% overdraft up to £100. Other benefits: Unlike other accounts, you don’t have to pay in a set monthly amount (see next question) linked 6% regular saver, Q. Can anyone get these? 0%You’ll overdraft up to £100.to get these. Though most people who Martin’s A: be credit scored have an existing bank account should be fine (unless it’s a basic account). Q. Can anyone get these? Martin’s A: You’ll be credit scored to get these. Though people who and Yet to get the bonuses, you normally need to use theirmost switching service have account be fine (unless basicwith account). haveana existing couple ofbank direct debitsshould or standing orders setit’s up.a Plus First Direct, you must meet a minimum pay-in requirement, equivalent of £13,200 a year Yet to get the bonuses, you normally need toause switching service and – effectively a way of requiring you to earn settheir amount. have a couple of direct debits or standing orders set up. Plus with First Direct, you must meet a minimum pay-in equivalent of £13,200 If you have irregular income, M&Srequirement, is the only one not to demand this.a year – effectively a way of requiring you to earn a set amount.
Please mention If you have irregular income,Cheltenham M&S is the only oneMagazine not to demand when this.
Q. Aren’t there also accounts that pay high interest on your savings? Martin’s A: Yes that’s another form of competition, and if you have higher savings, that is likely to be more lucrative in the long run than grabbing the Q.switchers Aren’t there also accounts that pay high interest on your savings? bonuses. Martin’s A: Yes that’s another form of competition, and if you have higher savings, to be more lucrative in the long grabbing the The bigthat oneisislikely the Santander.co.uk 123 account – it run paysthan up to 3% cashback switchers bonuses. on certain household bills and up to 3% AER interest if you have between £3,000 - £20,000 in it. Its £24 a year fee is rising to £60 in January, yet if The big one the£5,000 Santander.co.uk 123 account it pays upit’s tostill 3% likely cashback you’ve got isover savings and earn some –cashback, you’re onwinner certain(full household up to 3% interest if you have betweenblog) analysis bills of if and it’s worth it inAER my www.mse.me/santanderfee £3,000 - £20,000 in it. Its £24 a year fee is rising to £60 in January, yet if you’ve gotless, overthe £5,000 savings and Club earn Lloyds some cashback, it’s still likelyifyou’re If you’ve lloydsbank.com pays 4% AER interest you’ve winner analysisinofit ifand it’sboth worth it in my www.mse.me/santanderfee blog) £4,000(full to £5,000 TSB.co.uk and Nationwide.co.uk pay 5%, but only on up to £2,000 with TSB and £2,500 with Nationwide for the first year. If you’ve less, the lloydsbank.com Club Lloyds pays 4% AER interest if you’ve £4,000 to £5,000 in it and both and Nationwide.co.uk payto5%, but Q. Once I’ve switched and gotTSB.co.uk the free bonus, can I switch again another only onaccount? up to £2,000 with TSB and £2,500 with Nationwide for the first year. bank Martin’s A: Yes, there’s nothing stopping you continually switching. But Q.remember, Once I’ve switched and got the free bonus, can open I switch againaccount, to another you’ll be credit scored every time you a bank so bank try toaccount? minimise opening too many accounts in a short space of time, Martin’s A: Yes, there’s nothing continually Butlike a especially if you’re going to be stopping applying you for credit in the switching. near future, remember, mortgage.you’ll be credit scored every time you open a bank account, so try to minimise opening too many accounts in a short space of time, especially you’re- are going to be applying for credit in the near future, like a Q. I hateifbanks there any other options? mortgage. Nationwide, as mentioned above, is a building society, so it’s owned by its members, and it’s got decent offers. Or see if your local credit union (a local Q.savings I hate and banks - areco-op) thereisany options? loans oneother of 500 that offer bank accounts via ABCUL at Nationwide, as mentioned above, is a building society, so it’s owned by its findyourcreditunion.co.uk members, and it’s got decent offers. Or see if your local credit union (a local savings loans co-op) 500 that bank accounts via ABCUL at Q. I’m and often in the red –is one can Iofswitch to aoffer 0% overdraft? findyourcreditunion.co.uk An overdraft's a debt like any other, so if you often go into it, cutting its cost makes it easier to clear. FirstDirect.com has a £250 0% overdraft, and you Q.can I’mput often the itred – can I switch to a 0%clearing overdraft? thein £125 pays switchers towards the overdraft too – a big Anboon. overdraft's a debt like any other, may so if give you often go 0% intooverdraft, it, cuttingcredit its cost Nationwide.co.uk/flexdirect a bigger makes easier to clear. FirstDirect.com has50p/day a £250 after, 0% overdraft, youit score itdepending, but only for a year. It’s so aim toand clear can put the £125 it pays switchers towards clearing the overdraft too – a big before then. boon. Nationwide.co.uk/flexdirect may give a bigger 0% overdraft, credit score depending, but only for a year. It’s 50p/day after, so aim to clear it Q. What before then.if I can’t get a bank account? Sadly, more than a million people in the UK don't have a bank account. For all the top pick deals above, you’ll need to pass a credit score. Q. What if I can’t get a bank account? Sadly, a million people inthere the UK a bank account. Yet ifmore that’sthan not going to happen, is adon't way. have As long as you've ID, For the topbepick above, you’ll no-overdraft need to pass service, a credit though score. you youallshould abledeals to get a no-frills, need to ask the right way. Yet if that’s not going to happen, there is a way. As long as you've ID, you should be able getthe a no-frills, no-overdraft service, though you When applying, asktofor specific account by name – otherwise you need askforms the right way. couldtoget for standard accounts, then get rejected. The better options include Barclays.co.uk Cash Card and Co-operativebank.co.uk When applying,(not askavailable for the specific account by name – otherwise you Cashminder to bankrupts). could get forms for standard accounts, then get rejected. The better options include Barclays.co.uk Cashthey Cardcan andstill Co-operativebank.co.uk Even though there’s no overdraft, fine you if you try to Cashminder to bankrupts). spend more(not thanavailable you’ve got, so you must manage it carefully. Even though there’s no overdraft, they can still fine you if you try to spend more than you’ve got, so you must manage it carefully.
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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk
Orchard Catering's New Business Partner
FANTASTIC FOOD FOR ALL OCCASIONS
Make your Wedding Day extra special with our fabulous food & excellent service • Local business with over 10 years experience • Delicious, high quality food • Professional, friendly & flexible service tailored to meet your deams & aspirations
Orchard Catering has recently seen some change in ownership as co-owner Coralie had to take early retirement. The changes have seen Matt Roberts take Coralie’s place in the company, heading up the Front of House & Sales division of the company. Rob Knight continues to run the logistics of the company along with heading up the culinary team. Matt has joined the company after working for some of the country’s top caterers such as Compass, Sodexo and Arena Racecourses. Over the last 14 years Matt has worked on some of the country’s major events such as the Brits, Royal Ascot, Henley Regatta, Festival of Speed, Goodwood, The Grand National and of course the country's favorite race meeting of the Year: Cheltenham Gold Cup. Matt says he is very fortunate to have worked with some of the industry’s top directors and managers who have passed on their wealth of knowledge to him. Since forming the company, Rob and Coralie have lifted the business to a successful position within the local market. The company trades with a friendly and family type ethos. Orchard Catering has a reputation for fabulous food, superb service and attention to detail. They are a family run catering company based in Cheltenham, serving
For enquiries contact Rob or Matt on
01242 680983 or 07946 120064 Email: enquiries@orchardcatering.co.uk www.orchardcatering.co.uk
Gloucestershire and the surrounding counties, with more than 10 year’s experience in all types of events, large and small, from weddings to funerals, corporate functions, balls, parties and sporting events. Everyone at Orchard Catering knows that there is much more to arranging an event than just providing the food. They will assist you in the planning and smooth running of your function and ensure that you receive professional, friendly service and fabulous, plentiful food, imaginatively presented. The Orchard Catering team is more than happy to meet with you to develop your catering ideas and aspirations for your event further. Visit www.orchardcatering.co.uk for more information or call Rob or Matt on 01242 680983 or 07957 576182 or to discuss your requirements.
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Home & Interiors New Year, New Style?
By Katherine Sorrell
More easy updates
If your New Year’s resolution is to refresh your home with a fashionable look, interiors expert Katherine Sorrell can help.
Where do I start?
Think about what parts of your home feel most tired and unloved - perhaps walls could do with a wash of fresh paint. Dulux’s colour of the year is Cherished Gold, a goldinfluenced ochre that can be used on its own as a statement or as a highlight in combination with other hues. The overall colour palette for this year is muted, warm and soft yet also sophisticated - think coral, not orange; ochre not yellow and midnight, not blue. Another of Dulux’s 2016 themes is to have vintage and antique references support those of the modernday in a palette that includes chocolate, sand, a deep, pinkish red, muted orange and spicy browns. Ideal to overhaul any style of property.
You may not be in the market for buying new furniture, but there are still ways to update your old pieces for a fabulous new look. Ikea has identified a key trend this year for personalisation – just look at what can be done with an inexpensive chest of drawers, spray paint and some imagination. On a subtler note, a change of paint colour, or even a wood stain, combined with new knobs or pulls will give wooden furniture a new lease of life, while for really on-trend attitude you could have a table top covered in marble, slate or zinc.
Keep going around the house.
Add interest to dull walls with an eye-catching, stick-on-peeloff design, a metal-framed mirror or an oversized print. Boring floor? Time for a new rug – or sand back or paint old wooden boards. Something simpler? Adding a sheepskin to an old sofa or chair will give instant uplift, as will a change of bed linen, towels or small accessories such as cushions, storage baskets or vases. How about lights? A sassy lampshade can alter the look of an entire room, while filament bulbs will give your lighting a hot vibe. What about a cool coat hook, new door knobs, some kitchen canisters or a bathroom soap dispenser? The
smallest things can make a big difference. The high-street chains are brilliant at tapping into new trends with affordable products, so get browsing!
What other trends should I be keeping an eye on?
While a striking monochrome palette of black, white and grey will be big in 2016, opulent metallic accents are also catching on, and work well with modern and traditional decors. The look can be either industrial or retro-glam – as per Bemz’s ‘Deco Glam’ look, described as ‘cosy glamour with a Seventies twist’. ‘Create a more glamorous Seventies style in our homes: think Charlie’s Angels, Studio 54, and Bianca Jagger,’ says Lesley Pennington, CEO of Bemz. She recommends mixing plain fabrics in rose, steel, mineral blue and straw with geometric accents, plus dark wood, shiny brass, fluffy cushions, small tables and statement floor lamps. Alternatively, the Scandi look is all natural, textural, tonal and pared-back, including sheepskin, leather, wood and felt. For more colour, go for a folk-inspired style with brighter tones of red, orange and teal, combined with intricate florals, handicraft and woodland-inspired images. Lastly, Graham & Brown have predicted four trends based around the catwalks at London Fashion Week: meadow prints, statement reds, intricate lace detailing and a throwback to the Eighties. You have been warned… Main Image: Ikea predicts a trend for personalisation, whether it’s using stains, stencils or freehand painting.
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Page 27
There is quite a lot of national media coverage regarding There is quite a lot of national media coverage regarding EU debate actually much locally. the the EU debate butbut notnot actually much locally. ThisThis willwill a great opportunity people of Cheltenham be abegreat opportunity for for people of Cheltenham andand the the surrounding areas to listen to expert an expert panel on the surrounding areas to listen to an panel on the prospros andand cons of membership. EU membership. Guests have opportunity cons of EU Guests willwill have the the opportunity to to express their views pertinent questions of the panel express their views andand askask pertinent questions of the panel PIERCEFIELD OLIVER OLIVER on this highly topical subject. PIERCEFIELD on this highly topical subject.
Piercefield eldOliver’s Oliver’s Piercefi EUReferendum Referendum EU Debate Debate
Piercefie EU Refer Debate Piercefield Oliver contact Piercefield Oliver willwill contact
Tickets priced at £15 Tickets areare priced at £15 guests prior to the event for the eld Olive guests prior to the event for the booking plusplus booking fee fee andand cancan Piercefi submission of questions to the submission of questions to the be purchased through be purchased through EU debate on We panel. Proceeds of the event panel. Proceeds of the event Eventbrite. Eventbrite. at The Bacon Th Piercefi Oliver host an exciting Piercefi eldeld Oliver areare to to host an exciting gothe to the Dean Close School willwill go to Dean Close School www.eventbrite.co.uk www.eventbrite.co.uk Chaired by one of the m
charity, the Nyakatukura project charity, the Nyakatukura project debate Wednesday 17th February 2016 EUEU debate onon Wednesday 17th February 2016 and business market c sponsorship programme. andand sponsorship programme. radio, and in the press, The Bacon Theatre, Dean Close, Cheltenham. at at The Bacon Theatre, Dean Close, Cheltenham.
and supported by Dean has already secured so Chaired by one of the most recognisable financial Chaired by one of the most recognisable financial its debate panel with th Time Date Time and business market commentators on television, andDate business market commentators on television, Conservative MP Alex Wednesday 17th February 2016 6pm drinks reception Wednesday 17th February 2016 6pm drinks reception Cheltenham Christina radio, in the press, Justin Urquhart Stewart radio, andand in the press, Justin Urquhart Stewart alongside University o 6.30pm debate starts 6.30pm debate starts Venue and supported by Dean Close School, event andVenue supported by Dean Close School, the the event local business dignitar
8pm finish 8pm finish Bacon Theatre, Dean The Bacon Theatre, Dean has already secured some influential names hasThe already secured some influential names on on Close School, Shelburne Rd,Cheltenham Close School, Shelburne Rd, its debate panel with likes of Cheltenham its debate panel with the the likes of Cheltenham, GL51 6HE Cheltenham, GL51 6HE Conservative Alex Chalk Chair of UKIP Conservative MPMP Alex Chalk andand Chair of UKIP
Supported by
Cheltenham Christina Simmonds Cheltenham Christina Simmonds whowho willwill sit sit alongside University of Gloucestershire academics, alongside University of Gloucestershire academics, Festival House, Jessop Avenue Festival House, Jessop Avenue local business dignitaries national media. local business dignitaries andand the the national media. Cheltenham, GL50 Cheltenham, GL50 3SH3SH Supported Supported by by 0845 2578749 0845 2578749 info@piercefi eld.co.uk info@piercefi eld.co.uk Making wealth work Making wealth work
www.piercefi eldoliver.com www.piercefi eldoliver.com
EU Referendum Debate Wednesday 17th February in Cheltenham LEADING financial planning company, Piercefield Oliver are to host a EU Referendum Debate with an exciting panel at Dean Close School in February 2016. The debate will take place on Wednesday 17th February at the Bacon Theatre, Dean Close School, and will be chaired by one of the most recognisable and trusted financial and business market commentators on television, radio, and in the press, Justin Urquhart Stewart.
Founding partners of Piercefield Oliver, Stephen Willis and Louise Oliver explain the reasoning behind the event: “We wanted to host a business event with a difference, an event which would be both highly informative and relevant to the local community. The EU referendum, is for many, a once in a lifetime decision and the outcome will have long term ramifications for generations to come.”
on arrival at 6pm, with the proceedings due to conclude by 8pm.
Tickets are priced at £15 plus booking fee and can be purchased through Eventbrite. Piercefield Oliver will contact Supported by Dean Close guests prior to the event for School, the event has the submission of questions already secured some “There is quite a lot of There is quite a lot of national media coverage to theregarding panel. Proceeds of influential names on its national media coverage the event will go to the Dean debate the panel with the likes EU debate but not actually much locally. This will regarding the EU debate but Close School charity, the of Cheltenham Conservative not much locally. This will be a Nyakatukura a great opportunity for people of Cheltenham and theproject. MP Alexbe Chalk and Chair great opportunity for people of UKIP Cheltenham For more information surrounding areas to to antoexpert of listen Cheltenham express panel on the pros and Christina Simmonds who will about the event call their views and pose pertinent sit alongside of consUniversity of EU membership. Guests will have the opportunity toon 0845 Piercefield Oliver questions of the panel.” Gloucestershire academics, 257 8749 or email info@ express their views and ask of the panel piercefieldoliver.co.uk. local business dignitaries Guests will pertinent be greeted questions www.piercefieldoliver.com. and theon national media. topical with drinks and canapés PIERCEFIELD OLIVER this highly subject.
Tickets are priced at £15 plus booking fee and can be purchased through Eventbrite. www.eventbrite.co.uk
Piercefield Oliver will contact guests prior to the event for the submission of questions to the panel. Proceeds of the event will go to the Dean Close School charity, the Nyakatukura project and sponsorship programme.
The Pine and
Oak Centre
Unit 4, Waterloo Business Par Upper Lyydbrook, Gloucestershire. GL17 9LR or telephone 01594 860116 www.pineandoakcentre. o.uk or ww pinecentrelydbroo .co k W are oud to o e you arg selection of Pine, Oak, ash beech,rubberwood, mango and wa nut fu itu e, including beds, m ttre ses, sofas and garden furniture. We also make bespoke kitchens and furniture in Pine and Oak, you can choose a colour from our board or closely match the colour to your existing furniture OPENING TIMES Mon 9am - 5pm Tues 9pm - 5pm Wed 9am - 5pm Thur 9am - 5pm Fri 9am - 5pm Sat 9am - 5pm S d ys - Closed Sunda Cl d Page 30
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It even includes a parts or labour. It is all covered by our policy. are highly trained system and controls, hot water for several large b FREE BOILER SERVICE in registered system, radiators, internal manufacturers an CheckCheck your your existing policy to see what excess you repairs couldbebeasas much as £50!tradesm each yearfor of repairs the policy. existing policy to see what excess youare arecharged charged for – -itItcould much £50! plumbing and household ofasspare parts. Ou electrics. It even includes a are Page highly31 trained Please Magazine when responding to advertisers Page 24mention Cheltenham To advertise call 01684 772572 or 07912 visit www.glosdirectories.co.uk FREE 575741 BOILERorSERVICE in registered tradesm A Fixed Low Cost Of £7.99 A Month, For The First 12 Months.
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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.
25
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Time for a New Tradition By Alison Runham www.alison.runham.co.uk If your New Year traditions have dwindled to a rather slurred singing of Auld Lang Syne as the Big Ben chimes fade, why not adopt new ones this New Year or revive old customs? Lucky New year NibbLes It’s a Spanish tradition to eat twelve grapes, making a wish with each one, for every chime of the clock - bringing twelve months of happiness. In the southern US, Hoppin’ John, a traditional dish of black-eyed peas and ham hocks, brings a year of plenty, while Italians eat one spoonful of lentil stew with each toll of the midnight bells. The round lentils represent coins and good fortune, while in Germany, luck comes via tiny marzipan pigs. Greek hostesses places jewellery on a plate on the table to symbolise prosperity in the coming year and hide a coin inside their Vassilopitta (King’s Pie) that brings blessings to its finder. The Portugese also cook King Cake, or Bolo-Rei, which resembles a crown and conceals a lucky fava bean (although the finder pays for next year’s Bolo-Rei, so not so lucky). In Estonia, seven, nine and twelve are lucky numbers, and eating seven, nine, or twelve times on New Year’s Eve is believed to give you the strength of as many men
as meals you’ve consumed. Warning: you may need to diet afterwards. Get DresseD up aND Make soMe Noise Filipinos wear clothes with spots to represent coins and bring luck, and Spaniards and Italians wear red underwear for the same reason. In South America, they opt for coloured underwear too: red for finding love, gold for gaining wealth and white for peace. Mexicans believe red signifies love, yellow means improved employment, green improves finances and white brings good health. Perhaps new underwear for Christmas could be doubly beneficial if you specify the colour? Auld Lang Syne, a traditional song transcribed by Robert Burns and made famous by bandleader Guy Lombardo, is the most popular New Year song in English-speaking communities, but why not make up your own? The tradition of firing guns at midnight is probably best left abandoned, but you could beat drums Swiss-style, bang saucepans Filipino-style, or follow Buddhist Temple tradition by striking a gong 108 times at midnight to expel the 108 human weaknesses.
out with the oLD, iN with the New The first-footing tradition has dwindled in the UK, but the belief is that the first foot through your door after midnight dictates your household’s luck for the year. Tall, dark visitors and new mothers or brides are especially lucky, and should come bearing traditional gifts: coal, shortbread, salt, coins and maybe a tot of whisky. Worth a revival? In Denmark they break old plates at the door of family and friends, but cleaning your house as the Japanese do may be safer. Or why not make a bonfire with the Christmas tree, like the Dutch? While it’s burning, throw on a list of last year’s bad events, Mexicanstyle, or burn unwanted photographs and clothes as they do in Ecuador. In Costa Rica and Venezuela, people run across the street with luggage to wish for new adventures, but leaving a travel brochure under your partner’s nose may be more effective. New resoLutioNs The Babylonians, who supposedly ‘invented’ New Year’s resolutions, returned borrowed farm machinery and tried to start the year debt-free (as many Russians apparently do). Sounds like as good as resolution as any...
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Lamb & Spinach Curry Serves 4
Ready in 55 minutes This mildly spiced curry thickened with red lentils and spinach will make a refreshing change for a family meal after all the traditional food over the festive season. Serve with a cooling cucumber and mint yoghurt and some warmed naan bread for a really filling mid-week supper.
Ingredients: • 2 tbsp oil • 600g lean lamb steaks, cut into chunks • 1 garlic clove, peeled and crushed • 1 large onion, peeled and chopped • 6 tbsp balti curry paste • 75g red split lentils • 400g can chopped tomatoes • 200g baby spinach leaves • 2 tbsp chopped fresh coriander • Boiled basmati rice and lemon wedges to serve
TIP For a spicier flavour replace the balti curry paste with one that has a little more heat such as Madras. Adding some finely chopped red chilli when frying the onion will also boost the heat factor!
Heat half the oil in a large heavy-based pan over a medium-high heat. Add half the lamb pieces and fry for 3-4 minutes, turning occasionally until browned and sealed all over. Remove the lamb with a slotted spoon and set aside. Add the rest of the oil and fry the rest of the lamb pieces in the same way. Add the onion and garlic (and a splash more oil, if needed) and fry over a medium heat, stirring occasionally for 3-4 minutes, then stir in the curry paste and fry for a further minute until fragrant. Return the meat to the pan and stir to coat in the curry paste. Stir in the chopped tomatoes, 300ml cold water and the lentils. Reduce the heat then cover and simmer for about 30 minutes, or until the lentils are soft and the meat is tender. Season to taste with salt and freshly ground black pepper. Stir in the spinach and coriander. Cover and cook for a further 2-3 minutes until the spinach has just wilted. Serve with the boiled basmati rice and lemon wedges.
Charity lottery win couple donate to local hospice A big hearted couple from Bishop's Cleeve are celebrating winning £1,000 on the new Sue Ryder UK lottery, and despite needing the money to carry out necessary bathroom alterations, they have donated £100 back to Sue Ryder Leckhampton Court Hospice. The £1,000 win couldn’t have come at a better time for Sophie Brook and her husband Jonathan, who experienced complications following a hip replacement he had earlier this year. The Sue Ryder Lottery win means the family are able to install a bath into their shower room to help with Jonathan’s pain relief – something they have wanted to do for some time. Sophie said, “This unexpected win has cheered us all up and made us smile. We have been wanting to put a bath into our shower room to help with Jonathan’s pain relief for some time after he experienced complications following surgery earlier this year. This win could now make this possible. Thank you so much to Sue Ryder. I was stunned to hear that we’d won £1,000.” Despite needing the money to make adaptations to their home the big hearted couple have incredibly decided to donate £100 of their win to Sue Ryder Leckhampton Court Hospice. Sophie continued, “Sue Ryder is an amazing charity and very dear to my heart,
so I wanted to donate £100 of the win back to the local hospice.” “I want to thank Sue Ryder for this much needed lottery win and also say a huge thank you to all the amazing staff at the hospice who do such an fantastic job.” Elise Hoadley, Director of Sue Ryder Leckhampton Court Hospice said, “We are delighted one of the very first winners of the recently re-launched national Sue Ryder Lottery is from Gloucestershire, and what very deserving and kindhearted winners they are!” “Donating £100 of their winnings back to us is an incredibly touching gesture, and one which will help us to provide more care for local families at a time they need it most.” “Everyone at Leckhampton Court wishes Sophie, Jonathan and their family all the very best.” Sue Ryder Lottery players are asked to sign-up for £1 a week, with winners randomly drawn every Friday with 1st Prize - £1,000, 2nd Prize £100, 3rd Prize - £50, plus 30 £5 winners. There is also a roll over prize of up to £10,000. Starting at £200, this prize can be won at any time and is designed to grow each week to a maximum of £10,000. For more information about Sue Ryder and to play the lottery visit www. sueryder.org/lottery
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Lions Club of Cheltenham raises funds for local projects On Sunday 29th November the Lions Club presented Finton Under 14s Football Club with a new kit. Finton Football Club which is based at Hesters Way and Springbank, plays in the Cheltenham Under 14s League and has its home games at King George V Playing Fields. The Lions Club presented the Football Club with the new kit as part of their Youth Activity Programme. The cost for the kit was covered by proceeds from the Lions Club's Book Shop. Marc Hill, manager and trainer of Finton Football Club, and the team were delighted with their new red and black kit. Proceeds from the Lions Club's
Book Shop always towards local projects like this. Another one, for example, is the Club's Holiday Caravan at Burnham on Sea which can be used by local people with a disability. Cheltenham Club members and their friends from the Burnham Club are currently undertaking extensive work to get the caravan ready for next summer. On Thursday 10th December another fundraising event took place at Regent Arcade. The Club collected money with the help of their friends from the Cheltenham based Acapella Group ‘The Incredibelles’ who
Manager and trainer of Finton Football Club Marc Hill on the right; Lions Club President Doug Birch next to Marc and Lions Club member Roger Surtees on the left.
kept the shoppers entertained with Christmas songs and carols. The Club would like to say a big thank you to Jill and her choristers! One of the Lions Club's next fundraising events will be a ‘pop up’ book shop at Regent Arcade. The Club would like to thank the management for their generous support and looks forward to the event.
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G O N E
Dave Dowell
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Golden Years
Memories of 50 Years Ago by Ted Bruning California, when the undercarriage of a B-29 collapsed during an emergency landing. The detonator of the plane’s single nuclear bomb went off causing a fire in which 19 people were killed, including an Air Force general).
rather heart-stopping moment when a robot submersible got hold of it, only to drop it again. Another robot submersible managed to tangle itself in the bomb’s parachute lines; on both occasions it was human divers who sorted out the mess. Ortis, meanwhile, claimed salvage rights to the bomb and was awarded a very substantial but undisclosed out-of-court settlement.
At Palomares a B52 collided with a KC-135 tanker while refuelling over the coast of Spain. All four of the tanker’s crew and three of the bomber’s crew of seven were killed. Three of the B52’s bomb load of four hit the ground near the fishing village of Palomares and the other drifted out to sea. The detonators of two of the three that fell ashore were ignited, scattering plutonium over an area of three square kilometres. The US Government subsequently paid out $120m in compensation to 500 local residents who suffered radiation sickness; no-one knows how many Spaniards died as a result but local people working on the clean-up operation were not issued with the protective gear worn by the US personnel engaged on the same task.
After Palomares the USAF seems to have learnt a lesson either about air safety or about the reporting of nuclear incidents involving its aircraft, because only one such has been recorded since, and then in conditions that were egregiously harsh. On January 21st 1968 a B52 crashed immediately after take-off in appalling weather in Greenland. The detonators of all four bombs exploded, setting fire to the plane’s 35,000 gallons of fuel and generating such intense heat that one of the warheads actually melted.
The B28RI nuclear bomb, recovered from 2,850 feet (870 m) of water, on the deck of the USS Petrel
Trident: to renew, or not to renew? This is perhaps not the place to air the pros and cons of the nuclear debate but it is an opportunity to remind readers that January 17th is the golden anniversary of one of the worst – and thankfully almost the last – accidents that the US Air Force had with its nuclear bombs. Many people are surprised to learn how many air crashes or similar accidents involving nuclear bombs there were in the early years of the atomic era. The USAF and US Navy between them suffered an amazing 27 between 1950 and 1968, in which 70 aircrew were killed. In almost all cases the detonators of the bombs being carried blew up, although the bombs themselves didn’t. (Well, you’d probably already know if any had!) The Palomares Incident, in which seven crewmen died, was the last but one of these nuclear near-nightmares, although far from the worst. (That was on August 5th 1950 at Fairfield-Suisin Air Force Base,
The whole thing ended more as farce than tragedy: a Spanish fisherman, Francisco Ortis, saw where the missing bomb had splashed down and guided a recovery fleet of 26 US Navy warships to the spot. It had rolled into a deep underwater trench and took three months to locate and recover: there was a
Anyway, since then, nothing. Not a single bad day at work has been reported. So, since we started by talking about Trident, let’s move on to the safety record of Soviet nuclear submarines. On second thoughts, let’s not!
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Happy 50tH BirtHdays to Shabba Ranks (17th), and Stefan Edberg (19th) Cake and botox to you all! Page 37
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Review Of The Year 1. What was the name of the lion that was killed in Zimbabwe on July 1st after a dentist from Minnesota was reported to have paid 50,000 dollars to hunt him? 2. In May 2015, Ireland became the first country to legalise what by popular vote? 3. Which band cancelled their Friday night headline slot at the 2015 Glastonbury Festival after lead singer Dave Grohl fell off stage and broke his leg at a concert in Sweden? 4. With 19% of the votes, who finished runner-up in the 2015 Labour Party leadership election? 5. What was the name of Banksy's art project that was constructed in Westonsuper-Mare and was described as a "family theme park unsuitable for children"? 6. In which 2015 film did Sandra Bullock voice a villain called Scarlet Overkill? 7. Libby Lane was in the news in January 2015 after becoming the first what? 8. In 2015, who became only the second British female solo artist to have had five number-one hit singles in the UK? 9. What was the name of the dog that, together with his owner Jules O'Dwyer, won the 2015 series of Britain's Got Talent? 10. Other than the Conservative Party and the Labour Party, what was the only party to win over 10 percent of the total votes cast at the 2015 General Election? Page 38
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Finance A Fresh Financial Start in 2016 – Begin the New Year with a Budget By Ann Haldon If you’ve overspent this Christmas, you might be wondering how to get your finances back under control. It’s easy to get carried away by the spirit of giving – the problem is, it can jeopardise your financial wellbeing into the New Year and beyond. So what can you do to get yourself back onto a firm financial footing? One of the first things is to analyse your finances and make a realistic budget. By taking a long-term view and identifying exactly how much you spend during the course of a year, you can take back control of your dwindling finances, and prevent spiralling into long-term debt. Why budget? A budget helps to establish whether you’re living beyond your means. This isn’t always obvious on a day-to-day basis but if you’re constantly spending more than you earn, at some point you might find yourself unable to keep a roof over your head. But there’s a secret to making a budget that’s fit for purpose, and that’s to incorporate every expense that you make during the course of the year, including Christmas, birthdays, summer holidays and more. Birthdays and Christmas Friends’ and family birthdays
may only cost a few pounds here and there, but over the course of a year, and in addition to Christmas expenses, constitute a significant chunk of annual expenditure. It’s going to take some time to calculate your total spend for the year, but once it’s done you’ll be able to use it confidently to improve your long-term financial situation, and set yourself up for a lifetime of control. Non-regular expenses, plus how much is coming in Motoring costs such as car insurance, tax, new tyres and the annual service are easily forgotten. Annual membership subscriptions are also often left out, as is one of the biggest expenses of the year - the summer holiday. When thinking about the money that comes in, don’t forget to include wages, benefit and pension payments, and any income from savings, investments or selfemployment. Once you’ve totalled the figures, deduct your expenses and hopefully you’ll be left with a positive number. Not a static document Your budget isn’t meant to be a static document. It needs to reflect your income and spending in the long-term, and this is likely to change often.
So make it part of your routine to update it regularly, and make sure new expenses and sources of income are carefully recorded. Having a clear idea of where your money goes will also help to meet specific financial goals such as saving for retirement, putting money away for a deposit, or simply avoiding debt. Achieving financial clarity in this way helps you to live the life you want, so don’t view it as a restriction on spending – it’s more like the road to freedom. So you’ve got all your figures – what now? There’s a great way to divide up your money called ‘piggybanking.’ It’s described in detail on the Money Saving Expert website, and essentially means opening a separate bank account for each of your main categories of spending. This allows you to allocate an amount of money to each one via standing order from the main account. The word ‘budget’ often implies having to go without, but knowing your spending patterns and gaining financial control can give you back your freedom – the freedom to enjoy life without the worry of debt. http://www.moneysavingexpert. com/banking/Budget-planning
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2. As of 2015 how many MEPs are in the European Parliament? 3. Which British retailer was responsible for the ISBN system?
1. 2. 3.
Alan Shepard 751 WH Smith Page 42
A
Q.
1. Who in 1961 became the first American to travel into space?
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What's On in Jan/Feb Art Exhibition Ongoing until 31st January No Regrets Gallery, 58 High Street Cheltenham, Gl50 1EE NR Gallery presents the inaugural exhibition of Dario Grasso’s 'A Reflection Of Reality'. Free entry, adults event only. For more information please visit www.nrgallery.co.uk New Year's Day at the Racecourse Sunday 1st January, 10.30am 4pm, Cheltenham Racecourse
Come and welcome the New Year in style! There will be 7 races with world class jockeys and horses, and entertainment for all the family. First race starts at 12.10pm; tickets from £10. For more information visit: www.cheltenham.co.uk Brass Monkey Swim Sunday 3rd January, 11am - 2pm, Sandford Park Lido Two races, two different distances (500m or 1km) and both are freezing cold! This event is for the most hard of swimmers only! Spectators welcome - come and support the swimmers. For more information visit: www.sandfordparkslido.org.uk Churchdown Bookfair Sunday 3rd January, 10am 3.30pm, Churchdown Community Centre, Parton Road, GL3 2JH Gloucestershire‘s longest running independent book fair with dealers from all over the country. Come and browse 1000s of quality second hand and antiquarian
books, postcards and Ephemera. Refreshments available; easy parking. Admission: 50p (children under 16 free), trade free entry from 9.30am with card. For more information visit: www. churchdownbookfair.wordpress.com Country Market Thursday 7th & 21st January, 9am - 10.30am, Guide Hall, High Street, Winchcombe, GL54 5LJ Saturday 9th January, 9am – 12 Noon, under the Town Hall, outside the Tourist Information Office For more information visit: www.country-markets.co.uk Cheltenham Festival of Performing Arts Sunday 10th January: 10am - 11am: 8 - 11 year olds; 11.15am - 1.15pm: 12 - 16 year olds; Sunday 31st January: same as above Cheltenham Town Hall A range of performing art workshops for children of all ages to enjoy. There will be a different theme each time, no previous drama experience neccessary. Your kids can just come and enjoy the fun - you never know, who might be a naturally born entertainer! Tickets can be purchased from the Cheltenham Town Hall Box Office: 0844 5762210.
Prices: £12.50, £15.00, £27.50 & £32.50. Tickets can be purchased from the Cheltenham Town Hall Box Office: 0844 5762210. Tea Dances Monday 18th January, 2.30pm Cheltenham Town Hall A fun and social afternoon of dancing, live music, tea and biscuits. Admission: £5.00. Jack and the Beanstalk Wednesday 20th - Sunday 24th January, The Bacon Theatre, Dean Close School, Hatherly Road, Cheltenham, GL51 6HE It's panto time at the Bacon Theatre: Come along for fun and laughter! Early booking recommended. Admission: £10 £14. For more information and tickets call: 01242 224 144. The Elvis Year Thursday 21st January, 7.30pm, The Roses Theatre, Tewkesbury Tribute to the King of Rock by Mario Kombon. Admission: £20.50. Burns Night Whisky Tasting Monday 25th January, 7.30pm, The Roses Theatre, Tewkesbury
Winchcombe Live Season 4 Friday 15th January, 8pm - 10pm, The White Hart Inn, Winchcombe Live Music from the Joe Corbin Trio. Let's Hang On 2016 Saturday 16th January Cheltenham Town Hall Let's Hang On return to the Town Hall due to the amazing response they had a previous gigs. If you love Frankie Valli & the Four Seasons, you'll be dancing a lot at this unmissable event. Admission: £24.50. Tickets can be purchased from the Cheltenham Town Hall Box Office: 0844 5762210. Philharmonia Orchestra Matinee Sunday 17th January, 3pm, Cheltenham Town Hall An afternoon of Mozart and Haydn. Conducted by Michael Collins.
Come along and enjoy different Malt Whiskies and a host of Scottish Treats like Tatties and Haggis. Tickets: £20 per person. Festival Trials Day Saturday 30th January Cheltenham Racecourse Come to what's known as the best one day jump fixture in the UK, and get notable pointers of horses ahead of The Festival in March. For more information and
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events cont'd on p45...
Page 43
Pictograms 2 words
D RAC EA
WRIGHT TWAIN OWEN RONSON
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 words
3 letters: 7 4 letters: 9 5 letters: 5 6 letters: 1
EXISTENCE Puzzle & Crossword Solutions
4 words
Review Of The Year
GEORGE VI
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: 20 or more words Good: 16 words Fair:12 words
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Across: 1 Sloppy, 4 Icicle, 9 Observe, 10 Ample, 11 Taste, 12 Theatre, 13 Continually, 18 Patient, 20 Apple, 22 Lions, 23 Octopus, 24 Scroll, 25 Adults.
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Quick Crossword
1. Cecil 2. Same-sex marriage 3. Foo Fighters 4. Andy Burnham 5. Dismaland 6. Minions 7. Female bishop (in the Church of England) 8. Jess Glynne 9. Matisse 10.The UK Independence Party (UKIP)
4 3
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3 Letters ACE ARC ARE CAD EAR ERA
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Pictograms 1. Full Marks 2. Kiss Of Life 3. Thinking Outside The Box
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...events cont'd from p43 tickets visit: www.cheltenham.co.uk Wedding Inspiration Day Sunday 31st January, 11am - 3pm, Pittville Pump Room, East Approach Drive, Cheltenham, GL52 3EJ
Explore the popular wedding venue and meet local suppliers. Free Admission. Lunchtime Recitals Tuesday 2nd, 9th, 16th & 23rd February, 1.05pm - 1.55pm, Cheltenham Town Hall Tickets: £5.00. True Believers Comic Festival Saturday 6th February, 11.30am - 5pm, The Centaur, Cheltenham Racecourse Comic book fair with great guests, artists, writers, creators and traders from the comic book industry. For more information email oktruebelievers@gmail. com or visit: www.facebook.com/ OKTrueBelievers Churchdown Bookfair Sunday 7th February, 10am 3.30pm, Churchdown Community Centre, Parton Road, GL3 2JH Gloucestershire‘s longest running independent book fair with dealers from all over the country. Come and browse 1000s of quality second hand and antiquarian books, postcards and Ephemera. Refreshments available; easy parking. Admission: 50p (children under 16 free), trade free entry from 9.30am with card. For more information visit: www. churchdownbookfair.wordpress.com Family Concert Sunday 7th February, 3.00pm Pittville Pump Room
Cheltenham Philharmonic Orchestra & Charlton Kings Junior School Choir. Tickets: £12; Students under 25: £6; 16 and under: £3. Performing Arts Workshops Sunday 7th, 14th & 28th February: 10am: 8 - 11 year olds; 11.15am: 12 - 16 year olds Cheltenham Town Hall A range of performing art workshops for children of all ages to enjoy. No previous drama experience neccessary. Your kids can just come and enjoy the fun - you never know, who might be a naturally born entertainer! Tickets can be purchased from the Cheltenham Town Hall Box Office: 0844 5762210. Tea Dances Monday 15th February, 2.30pm Cheltenham Town Hall A fun and social afternoon of dancing, live music, tea and biscuits. Admission: £5.00. Danny Bryant in Concert Sunday 21st February, 7.45pm The Tithe Barn, Bishop's Cleeve, Cheltenham Road, GL52 8LU Come and see one of the UK's hottest blues players. Tickets: £16. Tickets from 0333 666 3366 (calls charged at national rate) or www.ticketsource.co.uk. Howlers at the Hall Wednesday 24th February, 8.30pm, Cheltenham Town Hall Comedy Club Night with new and established comedy talent. Over 18s only. Tickets: £12; Students £9. Crescendo Big Band Concert Sunday 28th February, Doors open at 7pm, concert from 8pm 10.30pm, Gupshill Manor, Gloucester Road, Tewkesbury, GL20 5SY Live Big Band Music performed by top musicians from Gloucestershire, the Midlands and the Southwest. A cabaret style performance with classics from the swing era and music from more recent times. Directed by Tony Sheppard and introduced by Bob Lee. Seating at tables; licensed bar open throughout the evening.
No advance tickets, ticket sale on the door only. Admission: £9. For more information call 01452 714287 or visit: www. crescendoband.co.uk
LOCAL CLUBS & CLASSES Cheltenham Parkinson’s Group Last Tuesday of the month – evenings or daytime depending on the activity, St Mark's Methodist Church Hall, Gloucester Road, Cheltenham, GL51 8PX We offer information, friendship and support to local people with Parkinson's, their families and carers. We also organise regular events and social activities, all are welcome to join us. Contact Jane Henderson, Volunteer Coordinator, on 0344 225 3694 or jhenderson@parkinsons. org.uk if you are interested in coming along. See more at www. parkinsons.org.uk/local-supportgroups/regions/cheltenham-anddistrict-branch
LOCAL MARKETS 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.
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advertisers index Accountants Cheltenham Tax Accountants Cta Online Accounting
Aerials & Satellites Digital TV & Satellite Systems Architects hookmason Architects
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Building, Maintenance, Repair, Carpentry & Handyman Services, Painters & Decorators Blue Local Handymen 16-17 Cakebridge Home Improvements 12 Dave Dowell 36 Laurie Wild Painting & Decorating 38 Marshall's Driveways 3 Matthew Moore General Building 20 Matt Grimshaw Carpentry 11 Toby Webb Painting & Decorating 40 Carpets Carpets Direct Gloucester Carpet Outlet Goodrum Carpets Catering Orchard Catering
Ceramics Ceramic Centre Cheltenham Charities & Community Building Circles Cotswold Listener
Counsellors Julie Wales Counselling The Councellor Coach
20 10 6
Domestic & Home Help Services C and D Limited 26 Electrical Services Flexitest Ltd Pro Electrical
Entertainment Cheltenham Town Football Club Sunshine Radio Events EU Debate
12
back page
Foot Clinic Fothergill Foot Clinic
22
Furniture Gloucester Import Furniture The Pine and Oak Centre
2 30
Gardens & Landscaping Edward Price
40
Hypnotherapy & Reiki Advance Practice
8
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20
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8 40
Paving & Tarmac Specialists Cheltenham Town Lanscaping & Driveway Services Marshall's Driveways P and M Driveways
Whilst every care is taken to ensure accuracy, the publisher cannot accept responsibility for loss, damage or omission caused by error in the printing of an advert. All artwork is accepted on the strict condition that permission has been given for use in the publication. Glos Directories does not officially endorse any advertising/editorial material included within the publication. All rights reserved. No part of this publication may be reproduced, stored in any retrieval systen or transmitted in any form - electronic, mechanical, photocopying or otherwise - without the prior consent of the publisher. The use of this magazine for canvassing or direct marketing is strictly prohibited.
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