Cheltenham Magazine July16

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CHELTENHAM YOUR LOCAL COMMUNITY MAGAZINE

FREE

www.cheltenham-magazine.co.uk

July What‘s On Guide

Finance

Which type of ISA is best for you?

Local News Local Businesses

Storage Solutions for Every Room

Home & Interiors by Katherine Sorrell

Water, Water Everywhere

Gardening by Pippa Greenwood

July 2016

Martin Lewis Home Insurance

The Millionaire Maker Local Writer Richard Denny

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N E P O W O N 2 577006 E R O T S el: 0124 NHAM

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Stores in Cheltenham & Gloucester

Filled with oak and pine furniture, massive stock levels in living room, bedroom, dining room and occasional furniture. Lots of chairs to choose from in a wide variety of fabrics and styles tables in many different sizes too. All with very quick delivery times - normally within 7 days from placing order Living Room Ranges Dining Room Ranges Bedroom Ranges Occasional Furniture

Our Prices Can’t Be Beaten Probably the cheapest in the County!

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We pride ourselves on providing quality furniture with a difference. We source all our fine ranges at the very best prices for our customers throughout Gloucestershire - come and take a look inside our superb showrooms in Cheltenham or Gloucester today

272-274 High Street Cheltenham GL50 3HQ Tel: 01242 577006

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(Opposite Dunelm Mill)

Gloucester GL1 2RU Tel: 01452 524545

Mon-Sat 9.30am-5.30pm Sun 11.00am-4.00pm

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


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Please mention Cheltenham Magazine when responding to advertisers

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Joules Pizzeria, Bar and Restaurant Clarence Square, Cheltenham

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Tel: www.joulesrestaurant.com Open all day every day of the week: 08.00 - 23.00

Steak Night offer Thursday Steak Night 8oz Rump steak with all the trimmings, a glass of house red or white wine (175ml) or a pint of beer or lager and a dessert for just £18.95 Page 4

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


From the Editor Dear Reader,

Local Magazines Published by Glos Directories - connecting local businesses with local people

It’s that time of the year again, with schools out for Summer! Six weeks of wondering what we can do to keep the children happy and entertained… fortunately we have a great What’s On section for you towards the back of this magazine for some ideas of days out and events – and keep an eye on our Facebook and Twitter pages as we’ll be adding more as they come in to us. July is a great month for music lovers with the Cheltenham Music festival running until the 17th of the month. Cricket lovers will once again flock to the beautiful settings of Cheltenham College for 12 days of non-stop cricket starting on the 13th July. Even if you don’t like cricket, you should give it a try just for the atmosphere, especially if it’s a lovely warm sunny day. Another date for your diary is the 9th July, when children aged 8-16 take part in the Pied Piper Junior Aquathlon at Sandford Parks Lido. It’s a great event where children take part in a series of sporting challenges whilst raising money for two charities. Finally, “Hell hath no fury like a woman in pink”, so good luck to the thousands of ladies taking part in two events for Race for Life at the Cheltenham Racecourse on Saturday 10th and Sunday 11th July. I hope you have a fun, busy but also relaxing July, until next month! 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

Tel: 01242 500 028

www.cheltenham-magazine.co.uk

Request list online call to book your Aug/Sept Magazine Book now a toprice be included inorthe next Issue andspace growinyour business locally.


Churchdown 01452 832 100

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Office at Harts Barn, Monmouth Road, Longhope, GL17 0QD

Local suppliers of good quality trees and shrubs Now available: Potted Magnolias, Silver Birch, Acers, Mulberries, Judas Trees, Japanese Rowan, Tulip Trees,

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Silver Birch, Walnut, Cherry, Golden Locust & many more native and unusual trees and plants to choose from.

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Carpet & Upholstery Cleaning We professionally clean carpets, rugs & upholstery (fabric & leather) "Had my flat cleaned for my end of tenancy. The whole process was exceptional from start to finish. I couldn't have asked for a more professional yet friendly service. Just faultless. Thank you!!!" R Worsley, Cheltenham.

T: 01452 854001 M: 07881 805949 www.churchdowncarpetcleaning.co.uk

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


Richard Denny Your Success Coach 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.

Ten Tips for Motivational Management - Use the Power of Praise Every recruitment agency in the land will agree that by far the major reason for people leaving an employer is due to not feeling appreciated or valued. Let me remind you of that powerful phrase, “people don’t leave companies, they leave people.” I equally believe, and my experience has shown, that this lack of appreciation is one of the major causes of high absenteeism that some in the private sector, but many more in the public sector, do suffer from. Why are so many managers unable, unwilling or simply forget to say a thank you and show appreciation to their staff? It’s just not good enough to have the pathetic mindset of believing “that is what they are paid to do.” This lack of appreciation is very rarely uncovered or disclosed at the exit interview. Apparently the British psyche does not handle praise well. But praise and recognition are fundamental and vital leadership skills and qualities. So if you want to keep your people, staff and colleagues; help them to be more competent; increase productivity and create a happier working environment; positive constructive input and loyalty; praise and care for your staff. After all, they are your customers, so follow these tips: 1. Praise in public, criticise in private. Let other people hear you giving praise. You will get more of whatever you recognise, reward or praise. 2. Understand the individual. Some people need more praise than others. Some people have great difficulty in receiving praise. 3. Be authentic. The praise must be yours even though it may have been told to you by someone else. It must be owned by you and believed by you. If the praiseworthy event is related to you from another source get your facts right, but again take

ownership of the praise, while giving recognition to others. 4. Deliver praise with sincerity, with eye contact, with pleasure and with happiness. You know body language communicates more powerfully than the spoken word. 5. Be timely. Yes, of course some praise is better late than never but really make the effort to give it as near to the event as is humanly possible. It just depends on where praise lies in your priority of life. 6. The recipient really must deserve the praise and the event must also be praiseworthy. 7. Praise should also be geared to the impact of the actions that were deserved. In other words, you are sharing the ramifications of the success that is forthcoming from the praiseworthy activity. 8. Praise will change behaviour, meaning you will get more of whatever you are praising and recognising, so be careful. If you praise people for working long hours you will get more people working long hours, but this may not be productive and is generally unproductive. 9. Get the balance right. Too much praise is completely ineffective. Can you recall old Mr Grace from the TV programme Are You Being Served saying “You are all doing very well”, every time he met his staff. 10. Be brave. Step outside your comfort zone. Give a little praise and enjoy.

FREE: For your daily success tip and more...join www.dennyacademy.com Winchcombe Magazinewhen when responding advertisers Please mention Cheltenham Magazine responding totoadvertisers Page 71


Volunteers Needed! Change someone’s life and enrich your own Bu

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Cotswolds Ghost Tours offer private & scheduled spooky walks in towns & villages across the Cotswolds region!

If you would like further information about becoming an volunteer we would be delighted to hear from you: r

Our guides are all professionally qualified, Blue Badge Tourist Guides, providing gimmick-free tours relying on their story telling prowess to entertain & inform!

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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


Tadstock

August 26th - 29th 2016 TADSTOCK in association with CCP and Studio340 is proud to present its annual festival for the people of Oxfordshire, Gloucestershire, Wiltshire and beyond. Set in the heart of the picturesque Cotswolds and uniquely powered by solar energy, TADSTOCK will take place on Friday 26th August and run until Sunday 29th August 2016.

come along and be part of Tadstock to find out who you will see. When the live music stops, the after hours party and fun begins with various DJ's turning sets in the woods.

Away from the main-stage, Tadstockers will have the chance to sample locally sourced sustainable food and drink. Childrens entertainment will be supplied too. Providing There will be a number of bands and musicians performing fun for all the family, Tadstock is an experience like no other. over the weekend but the What's more, the whole headline acts are being kept festival is powered by a secret until they walk on renewable energy! stage. You will just have to

Free car parking and camping with shower facilities are offered across the weekend to all ticket holders and with stunning views of the Oxfordshire and Gloucestershire countryside on your tent step, there is no doubt you'll be coming back, next year. To find out more about Tadstock and to take advantage of the early bird discount offers on tickets, please visit www.Tadstock.co.uk.

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A festival for people, not profit Kencot Hill Farm, Oxfordshire GL7 3QY Powered by the planet

A festival for people, not profit. Powered by the planet A festival for people, not profit Kencot Hill Farm, Oxfordshire GL7 3QY Powered by the planet

A festival for people, not profit. Powered by the planet

AUGUST 26TH – 29TH 2016 AUGUST 26TH – 29TH 2016 LOTS LOTSOF OFLIVE LIVEMUSIC MUSIC AND DJ’S TURNING AND DJ’S TURNING SETS INSETS THE WOODS IN THEFORWOODS PROVIDING A PLATFORM YOUNG ARTISTS TO BUILD ON 3 DAYS WITH LIVE MUSIC, DJ’S & CAMPING

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Cake and Bake Chocolate Mousse Brownies Take the classic rich and squidgy chocolate brownie recipe a step further with a creamy milk chocolate mousse topping for the ultimate chocolate lover’s dessert!

Ingredients: BROWNIE BASE • 150g dark chocolate, broken into pieces • 225g unsalted butter, diced • 350g light muscovado sugar • 4 medium eggs, beaten • 1 tsp vanilla extract • 225g plain flour

MOUSSE TOPPING • 100g milk chocolate, broken into pieces • 100ml double cream • 1 large egg, separated • Fresh raspberries, chocolate drops and mint sprigs, to decorate

Makes 12 Ready in 1hour 30mins plus cooling and chilling

TIP

Add a few drops of mint extract to the chocolate mousse mixture for an after dinner mint flavour. Page 10

1. Preheat the oven to 180C/fan 160C/Gas 4.

Grease an 18 x 28cm tray bake tin and line the base and sides with baking paper.

2. Place the dark chocolate and butter in a large

heatproof bowl set over a pan of simmering water and leave until melted. Remove from the heat and stir until smooth. Leave to cool for 10 minutes, then whisk in the sugar, eggs and vanilla extract.

3. Sift over the flour and fold into the chocolate

mixture with a metal spoon. Pour the mixture into the prepared tin and level the surface. Bake for 45-50 minutes or until just firm to the touch - it should still be a little squidgy in the centre. Leave to cool completely in the tin.

4. To make the mousse topping, melt the milk

chocolate in a heatproof bowl set over a pan of simmering water. Remove from the heat, cool for 5 minutes then stir in the cream until smooth. Cool for a further 10 minutes, stirring occasionally, then beat in the egg yolk.

5. Whisk the egg white in a clean grease-free bowl

until holding stiff peaks, then gently fold into the chocolate mixture. Spread the mousse in an even layer over the top of the cold brownie and chill in the fridge for 3-4 hours (or overnight) until set. Remove from the tin and cut into 12 squares. Serve topped with fresh raspberries, chocolate drops and mint sprigs.

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


THE OX CHELTENHAM enjoy our

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Cocktails Menu Summer Twists Spritz 7

Cocktails Menu Summer Twists Pimms 6

Compass Box Orangerie, cranberry juice & Wild Beer Sleeping Lemons

Kamm & Sons British aperitif, muscat liqueur, demerara & mint leaves topped with lemonade

Daiquiri 7.50

Spritz 7

Pimms 6

Compass Box Orangerie, cranberry juice & Wild Beer Sleeping Lemons

Kamm & Sons British aperitif, muscat liqueur, demerara & mint leaves topped with lemonade

Daiquiri 7.50

Havana Club 3yr rum, cacao liqueur, fresh lime, caster sugar with a dash of paprika & sumac tincture

Kirsch eau de vie, Regal Rogue vermouth & raspberry puree

Havana Club 3yr rum, cacao liqueur, fresh lime, caster sugar with a dash of paprika & sumac tincture

Martini 7.50

An Alcopop 7

Martini 7.50

An Alcopop 7

Reyka vodka, fennel & lemon shrub, vanilla syrup

Poitin & bay leaf essence topped with Ting grapefruit soda

Reyka vodka, fennel & lemon shrub, vanilla syrup

Poitin & bay leaf essence topped with Ting grapefruit soda

Kirsch eau de vie, Regal Rogue vermouth & raspberry puree

Ox Shandy 2.95

Ox Shandy 2.95

Wild Beer, ginger ale dashed with peach & citrus bitters

Wild Beer, ginger ale dashed with peach & citrus bitters

Non-alcoholic

Non-alcoholic

Cold Brew Chamomile 3

Homemade Lemonade 3

Cold Brew Chamomile 3

Homemade Lemonade 3

Egyptian mint & chamomile tea

Classic, honey or almond

Egyptian mint & chamomile tea

Classic, honey or almond

Please mention Cheltenham Magazine when responding to advertisers

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Rotary Club of Tewkesbury

SUNDAY 21ST AUGUST 2016

11am – 4 pm TEWKESBURY SCHOOL ASHCHURCH ROAD, TEWKESBURY GLOS GL20 8DF (200 YDS FROM J9 M5)

• OVER 500 CARS & 200 MOTORCYCLES • • AUTOMOBILIA • MARKET STALLS • TEAS • CAKES • BBQ • BAR • AUTO JUMBLE 100+ MARKET STALLS WITH EVERYTHING FROM JEWELLERY TO JAM!

ENTRANCE Adults £5 Children under 12 FREE FREE ONSITE PARKING FOR ALL VISITORS

Live period music from

THE HAYWOOD SISTERS

CAR AND MOTORCYCLE CLASSICS FROM ALL AGES WELCOME – FREE ENTRY FOR SHOW CARS AND MOTORCYCLES AND THEIR DRIVERS Want to bring your classic cars or motorcycle? It’s easy - just turn up on the day, register via our website www.tewkesburycvf.org or call 01684 850940

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Town Centre Talking We need your patience – with a capital P One of the biggest problems for any town that tries to improve is the work that has to be done to get there. This can range from getting support from businesses and residents for changes in the first place to the building work that goes on once improvements get the go-ahead. In Cheltenham at present, it is the building work that is the main focus, particularly the ongoing work on the road system. Let’s be honest, Cheltenham is not a fun place to move around at the moment. Down the High Street, the improvements to The Brewery have progressed significantly since the many months when buses were being diverted and it was difficult to access many of the businesses at that end of town. There is much work still to be done, but the new development is taking shape and it is clear from the artists’ impressions on show just what the end result will be. At the other end of the High Street, around the Beechwood shopping centre, we are at a completely different stage. The pedestrianised area has been dug up again to allow power supplies to be put in

place for the new John Lewis store. Roadworks have been a constant feature in Albion Street to the rear. The patience that traders, motorists and shoppers alike have been showing, particularly around the work on Albion Street, has been commendable. Remember that this work – once completed – will mean the road becomes two-way. It will not only mean vastly improved access to John Lewis and surrounding shops but is part of a broader project called the Cheltenham Transport Plan. The next stage of the work will see parts of Oriel Road – the road that passes Cheltenham Town Hall – made two-way, which will vastly improve access to Regent Arcade and that side of town as a whole. If all this is a success, it will be followed by a trial closure of Boots Corner, which the Transport Plan’s backers believe will finally give Cheltenham not only a muchimproved road system but also safer and more adaptable pedestrianised areas. There has been much debate about whether it will work or create rat runs in other parts

of the town. The reality is that we can’t carry on as we are. Cheltenham is a difficult place to get in to, get out of and get around. The good news is that the Albion Street stage of the work is on schedule and, once it is complete, we will see some real improvements long before John Lewis’s planned opening towards the end of next year. There is a lot of work to be done but I’m delighted that Cheltenham is a town of change – with some genuinely exciting improvements now guaranteed. - by Kevan Blackadder, Town Centre Manager

Please mention Cheltenham Magazine when responding to advertisers

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BRAMWELL Garden & Property Services The things we can create and install for you Patios Paths Decking Fences Sheds Turfing Beds & borders Hedges The things we can maintain and improve for you Beds & borders Lawns Hedges Patio cleaning Maintenance packages available with fixed costs

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You relax & let us do the hard work Call 07843 007260/01452 500677

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Cheltenham & Tewkesbury Branch

PROGRAMME of EVENTS for 2016 Saturday 12 March WINE TASTING EVENING with Cindy Marie MD Lovewinefood - Details from Fay Friday 18 March FLAG DAY (Help please) Saturday 23 April BRIDGE EVENT - Details Margaret Beverley (Box Administrator) - 01242 510 193 Saturday 4 June FLOWER FESTIVAL St Andrews Church Montpellier A concert by the Churchdown Male voice choir in the evening Sunday 5 June SERVICE at St Andrews Saturday 11 June FLAG DAY Tewkesbury (Help please)

Wednesday 22 June OPEN GARDENS at Whitcombe House Overbury GL20 7HZ July (Date TBC) CMES OPEN DAY Saturday 1 - Sunday 2 October COLLECTION AND SOUVENIRS at Prescott Hill Climb, Autumn Classics Meet Friday 7 October QUIZ NIGHT AND FISH AND CHIPS SUPPER at St Lukes Parish Church Hall Wednesday 2 November AGM AND INTEREST EVENING at the Civil Services Social Club, Tewkesbury Road. Plenty of Parking Saturday 10 December NOSTALGIC CHRISTMAS CAROLS Starting at GWR Toddington Join us for a wonderful start to Christmas - Call Fay

Anyone that can help at any event please contact Fay on 01242 261 330 Page 14

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


Infancia Uganda is a registered charity that was founded in Spain by Esperanza Marques, Alicia Sanchez Soto and Martin Brown. Martin and Esperanza have recently re-located to Cheltenham, where Esperanza has started her own Spanish school (you can find details at www. instantspanish.co.uk). Over the last three years the charity has managed to help children living in a small village outside Kampala, the capital of Uganda, by paying for their education, healthcare and food. The charity which now sponsors 9 children - 7 in primary education and 2 in secondary education, is currently in the process of being set up in the UK. Find out what great things Infancia Uganda has managed to achieve so far and how you can help support them: 1. Through generous individual and corporate donations, we were able to construct two wells in the village. This means that the children do not have to walk 2 miles every day with heavy containers to collect fresh water.

2. We were also able to pay for a water collection tank at the school. This enables them to catch rainwater and recycle, purify and use it for cooking and washing. 3. We ran a very successful “Adopt a desk” programme which allowed us to buy more than 25 desks for a school in the poorest part of the city, thus giving the children the opportunity to improve their chances in life through education.

6. Through a generous donation from a large retailer, we were able to donate a lot of sports and games equipment to a school. Before this the children had virtually no recreational equipment at all. For more information on Infancia Uganda please visit www.infanciauganda.org.uk (or www.infanciauganda.org for the Spanish website). We are a very small charity that heavily relies on donations and the kindness of the general public so if you wish to make a donation, however small or large, please don’t hesitate to get in touch.

4. We purchased wheelchairs for a mother who has three children with cerebral palsy. She was raising the children by herself as her husband had abandoned her. In addition, we managed to pay for a woman to come and help take care of the children so that the mother can work a little to buy food and basic supplies for her family. 5. We purchased hundreds of new books for a school where the children had only one To pay for a desk, like the one in this picture, with book per class. your, your children’s or your company’s name on it, Learning is now costs only £30! So little for most people, but a lot easier so much for these children! for them.

“We have been advertising in the Cheltenham Magazine for 6 months and have found it profitable. We feel that our target clients read this magazine and have been very happy with the results.”

“Your magazine is a really good source for advertising and it is bringing people in. Thank you!”

“I am well pleased with the response we have had in the Newent Magazine and look forward to our ad going into the Cheltenham issue.”

Instant Spanish - www.instantspanish.co.uk

Sarah

Gloucestershire County Council

Ashley

Esperanza

Ledbury Door Supplies

Please mention Cheltenham Magazine when responding to advertisers

Page 15


erringtonsmith town and village properties

Customer Charter You can expect the following from us:

Determination to achieve results Realism Frequent communication Transparency Total Honesty We will not:

Raise false expectations Behave unethically

Whether you’re considering selling or letting your property call now for a FREE no obligation market appraisal and experience our unique customer focussed service for yourself

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Pre Flight Checks Pilots check their aircraft before take-off. Do you do the same with your car before driving-off? Whether it’s your car, a friend’s, your company’s or even a hire car, when you’re the driver, it’s down to you to make sure your transport is legal. So, before driving off, consider conducting a “preflight check” prior to entering the vehicle and a “cockpit check” when in it. A simple walk around the car, checking the bodywork and tyres is all that is required - it takes seconds but could save you time and trouble. Just prior to writing this piece, I noticed a parked car with an almost flat near-side

front tyre. If the driver of that car approaches the driver’s door directly and hops straight in, they would miss that flat tyre and probably only be aware of it when on the road, meaning they will need to do a risky roadside wheel change. Do you regularly check your lights? Making sure your lights work, and knowing how to check them, is now part of the driving test. It’s simple to do and could save you from missing something at night, or someone driving into the back of you. You’ll avoid getting points on your licence too. The same goes for a regular check of your wipers, and please don’t wait until they make the windscreen smeary to see through. Think what you might miss in the rain if your wipers aren’t up to the job. Perhaps a child crossing the road? A quick bi-weekly check on these items will make sure all is well.

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LEWIS

MARTIN LEWIS

, drains and automobiles

Home Insurance

t for various reasons be it business or personal, p cut the cost of travel.

By Martin Lewis @moneysavingexpert

of fuel via extreme couponing trick.

anning a big spend at any one of 50+ retailers between boiler-only, the cheaper option that co House of Fraser, Homebase and PC World), buy1: Know how much boiler and However, How much are you getting Step if you do thenheating claim, cover, its controls, or central d in Morrisons andout you get 1p/litre off fuel per you need paid to take home cover saycentral for a £1,000 TV,cover the assessor includes full heating on top (includ So £100 gets 10p off and £1,000ish gets aThere free are two elements to radiators, pipes, insurance? That’s right, may say: “You’ve only covered etc). PAID! The record so far this half your stuff, so we’ll only pay home insurance: buildings and year from my cheap home youcheapest, out half.” compare prices via uSw contents cover. An easy way c) toTo find the insurance system is £23but profit ck isn’t to use them as gifts, that if you’re Energyhelpline.com if you’ve work out which each covers and is toadd inIt’s also worth considering fittingtime. – and theinall-time record is first pop big purchase that store anyway, into you can turn your home imagine a secure lock, such as a five-lever £67 the profit. canThen you abeat and buy gift So card. few it? days later, upside down: everything that mortice deadlock. The insurance ctive, go and use it to buy your planned stays put is buildings, if●it falls, Get a year's breakdown forfor £17. Of course not everyone can saving means itcover can pay itself, giving you a potentially whopping petrol it’s contents. Though if you need make a profit, yet the same steps and cuts costs for years to come. here’s a full list of retailers and more infoboth, at it’s usually best to get aIf your car has had trouble during the winter se that lead you to that can slice isonsfuelsaver.co.uk. joint policy, as it stops arguments be costly toStep pay2:it Never back inauto-renew. the Spring. Start Thankfully huge amounts off the cost of between insurers over who covknow whatby you’re doing comparison you can get sites super chea many people’s insurance, so it’s combining heating down, but not off if you're going ers away what if there’s a problem.There are four things you need to know: worth doing anyway. If you just auto-renew, you’ll Don’t over cover with Buildings often be fined for apathy. Insurmost important to So much so that ld, noThe heating risks burstthing pipes. - If you’re renewing, haggle. of AA and 76% Insurance. This is only usually ers bump up prices84% just because understand is that there is no ers won't cover you for damage if your home's customer who tried reported success. needed by freeholders. If you they can get away with it. And cheapest home This d for one more than five daysinsurer. and you turned the - If you’re new thenprices for basic cover use a cashba rent or have a leasehold property currently are rising, so this all about how is each company . Theisrule of thumb keep it to a minimum 14 standard RAC policy is £28 online and an AA pol it’s usually the landlord/freeholdwill be more noticeable. reacts to your own particular but sites like Topcashback.co.uk and Quidco.com er who should have this. risk. Therefore, the only way to Comparison sites a wide around £10-£15 back so thesearch effective cost to yo find for it isone to follow system.can save you o tickets trainajourney You’re meant to cover the rebuild of offers from This usuallyrange works, though do insurers note theand cashbac cost – how much it would cost to guaranteed. brokers. Yet they don’t all search 100% My detailed cost cutting strategy is rebuild your home should it get theTesco sameclubcard deals, or points even have - If you have youthe can swa at www.mse.me/homeinsurance ing makes about ago as much sense as Chewbacca, knocked down. But many wrongly samesoprices forvouchers the samegives deals.you bas for RAC cover, £16 of and a month someone told s. It’sme where for a journey’s cover market value, the amount it So use two or three. breakdown. they’dyou usebuy it totickets get contents might sell for – which is often far t parts separately to slash the price. It’s allowed - For full service, Autoaidbreakdown.co.uk insurance for £3 – so I challenged My current order to get the wid- is a p higher. To find out how muchreclaim you polcy for £42/year, which covers you an ditions carriage – thetoonly theofrest of my users see ifrule theyis that the est spread is www.Confused.com, at for home start, breakdown and onward call at the beat stations buy tickets for. should cover see the calculator spouse could it. Ianyou came back saying www.CompareTheMarket.com, http://abi.bcis.co.uk/ local delivery firm is sent out, and you pay then he could trump it: “Paid £32 and www.GoCompare.com and www. le, a single from Manchester to Cornwall costs have £55 cashback confirmed, so I get the cost back. - Don’t under cover contentsreceipts tomoneysupermarket.com. You he train stops Cheltenham should haveat£23 profit”. Spa. Buy a £52 insurance. Most people have far may even be surprised that your Manchester to Cheltenham Spa, then a £58 ● think. Do you know where yourturns stopcock more contents than they current insurer up topis? of the now my record result in here That’s to Cornwall and the total's £110. That’s the Walk around the house and add list with a new customer quote 2016, now the challenge is open , the same time – possibly even the same everything seat. No nudge nudge wink wink Everyone s up (there’s a calculathat’s cheaper thanneeded. your renewal. to you to beat it. You can read where their stopcock – mains water tap – is. Fr tor on www.directline.com). Yet thecan full detailed system or use my As Vicki emailed me: “My d if you do this for yourabove, journey, many underinsure thinking: bursts “I’ve create an average £4,000 of damage, ma these core foundations to renewal quote wasas £700+. ySplitfollow tool at mse.me/ticketysplit. As Justine you can't find the off switch your Using home flood £40k of stuff, but will only cover slash prices at speed. e: "Genius - tickety split has just saved me£20k £50,as I’d never claim it all.”prepared. comparison sites got it to £188 with a better policy. Thanks.” xact same journey." Page 18

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk

Under the kitchen sink’s a very common place.


Step 3: Then check insurers that comparison sites miss Now you’ve a price benchmark, let’s try to smash it. Big insurers www.Aviva.co.uk and www. DirectLine.com are not included by comparison sites, so check them too. Comparison sites also tend to miss out special promo deals that insurers offer, so it’s worth checking out if there are any of these as well. There’s a daily updated list of hot home deals at www.mse. me/homeinsurance (which also includes special policies if you’ve high value contents). Step 4: If you want to stay where you are, haggle Once you’ve found your cheapest policy take the price to your existing provider and ask them to see if they will match it – they often will.

DO

OR

S&

W

D IN

OW

In a recent poll I did, 78% of customers who haggled with Direct Line said they had success, while 81% did with Admiral and 80% with Hastings Direct. So it’s worth a try. As Pat Olver tweeted me: “@ MartinSlewis Sainsbury’s home insurance renewal £252. Same policy on confused was £186. Rang Sainsbury’s, talked them down to £181.” Step 5: If you’re moving, once you know what you’re getting, check for cashback Once you know your cheapest policy and, crucially, you’ve checked IT’S RIGHT FOR YOU, then see if you can earn cashback using a cashback site such as www.Topcashback.co.uk or www. Quidco.com. These sites pay you if you click through them.

S tried & tr , teste uste d KITE d MA RK ®

This usually works, but there can be tracking issues, so see this as a likely added bonus and always check ensure you’re getting the right policy. If you’ve got time and your top three policies are all much of a muchness, it can be worth seeing the cashback on offer for all three. And a final word of warning, beware paying monthly, it’s actually just a loan. In effect, the insurer pays upfront then loans you the cash, sometimes at hideous interest (e.g., Endsleigh’s 39.7% APR). If you can’t afford to pay upfront, check the APR. If it’s high, you’re often better on your credit card, or, better still, get a 0% credit card (just ensure you pay it off within the year). Martin Lewis is the Founder & Editor in Chief of Money Saving Expert. To join the 10 million people who get his Martin’s Money Tips weekly email, go to www.moneysavingexpert.com/latesttip

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Golden Years

Memories of 50 Years Ago by Ted Bruning the attention and all the gongs. Only after Hurst was knighted did the press, fans, and fellow players get behind a campaign to honour the rest of the team.

The Queen presents the 1966 World Cup to England Captain, Bobby Moore

Absolutely no prizes for guessing which glorious golden anniversary we’re celebrating this month. What, you need a clue? Some people are on the pitch – they think it’s all over – it is now! Yes, of course you knew... 30th July 1966 was undoubtedly the greatest day in our sporting history, when more than 30 million people worldwide saw England beat Germany 4-2 to win the World Cup for the first and only time. So far. The story of the game, and especially of England’s disputed third goal, is too well-known to go into here. But a campaign launched by the Daily Mirror in January this year to mark the anniversary by knighting all the surviving members of the team (except hat-trick hero Geoff Hurst, who is a knight already) stirs the dusty memory of an investiture conducted by the Queen 16 years ago. Somehow, in the immediate aftermath of the game, the Charlton brothers Bobby (OBE 1969, knighthood ‘94) and Jackie (OBE ‘74), goal-scorers Hurst (MBE ’75, knighthood ‘98) and Martin Peters (MBE ‘78), captain Bobby Moore (OBE ‘67), and goalkeeper Gordon Banks (OBE ‘70) captured all Page 22

So it was that on 7th March 2000 the “forgotten five”, as they were nicknamed, turned up at Buck House to receive the MBEs they’d been awarded in the New Year’s honours. Full-backs Roger Hunt and Ray Wilson, midfielders Alan Ball and Nobby Stiles (both of whom, unusually for midfielders of the time, were only 5’ 6”), and striker George Cohen had all made vast contributions, not just to victory in the final but also to the campaign leading up to it, which were at long last being acknowledged and rewarded. But what became of those lesser-known lions after Nobby Stiles’s famous post-match victory dance, dentures in one hand and Jules Rimet trophy in the other? Of the five only the youngest, Alan Ball (21 at the time), went on to enjoy what you might call a stellar playing career; not because he was a better player than the others but because only his career extended into the era when footballers became media celebrities. He scored 187 goals in 833 club games spanning 23 years and represented England in the 1970 and ‘74 World Cups. His top-flight career included 72 caps (six as captain) and lengthy spells at Blackpool, Everton (League Champions 1969-70), Arsenal and Southampton. His 15 years in management were less successful and he retired in

1999, dying in 2007 of a sudden heart attack. Of the others, Hunt was arguably the most successful, scoring 286 goals for Liverpool (one of them, against Arsenal in August 1964, being the first ever shown on Match of the Day), 24 for Bolton, and 18 for England. After retiring from football in 1972 he went into the haulage business. Fellow full back Wilson made over 400 club appearances in 20 years, for Huddersfield, Everton, Oldham and Bradford, before quitting football to become an undertaker. Cohen was a Fulham stalwart for 13 years and earned 30 England caps; he was forced into retirement by injury in 1969 and enjoyed a successful career as a coach at his old club. Stiles’s career followed a similar path: after 11 years at Manchester United he spent two seasons at Middlesbrough and then two at Preston under his old teammate Bobby Charlton. His playing career was also ended by injury and he also returned to his old club as youth coach where he trained, amongst others, Beckham, Giggs, Scholes, Butt, and the Neville brothers.

In honour of the above, this month’s birthday boys are all ex-international footballers.

Happy 50tH BirtHdays to Enrico Annoni (1st), Minas Hantzidis (4th), Gianfranco Zola (5th), Owen Coyle (14th), and Martin Keown (24th).

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WEDNESDAY

13

JULY

DINE WITH WINE IN AID OF THE ST STEPHEN'S ROOF APPEAL! Lunch at The Royal Union, 12.30pm Address: 37 Hatherley Street, Cheltenham, GL50 2TT Enjoy a delicious 2 course lunch (main and dessert) with a glass of Sauvignon Blanc/ Orange Juice for just £20 per person. Arrive at 12.30pm for sit down at 1pm. £5 from each lunch will directly go towards the St Stephen's Roof Appeal, set up to repair our beautiful Church. Menu: Chicken Breast Poached in a cream of Horseradish sauce (delicate flavour), served with steamed vegetables and buttered roast potatoes. Dessert: Spotted Dick and Custard. Vegetarian option is available. Please book by Friday 1st July 2016. PLEASE EMAIL NATALIENORMAN2014@GMAIL.COM OR CALL 01242 573 508 TO REQUEST A RESERVATION FORM AND RESERVE YOUR PLACE. THERE WILL ALSO BE A SPLENDID RAFFLE TO TAKE PART IN. Saint Stephen's Church PCC is an excepted charity under The Charities Regulations 1996

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Page 23


Chalk Talk With school almost out for summer, education continues to remain high on my list of parliamentary priorities. I was pleased to welcome Education Minister Nicky Morgan to Cheltenham to meet local teachers and discuss my reservations about Government plans to force all schools to become academies. Whilst academies have been a huge success in many parts of the country (just look at our outstanding schools here in Cheltenham) I made clear that I was not convinced that this justified a one-size-fits-all solution. If we believe in trusting teachers and governors – which I do – then so long as their school is good or outstanding we should leave it to them to decide what governance arrangements suit them best. I am delighted that the Department for Education has listened to my representations and those of some colleagues, and will not now be pursuing the plans. In Parliament, I am proud to be a founding member of the new Parliamentary campaign group to support women hit by the acceleration of the equalisation of the State Pension Age, first in 1995

Lions Club of Cheltenham July Update In the past two months the Club has hosted various fun games at local fetes in Winchcombe, Prestbury and Montpellier. These have not only caused much amusement but also helped raise funds for local charities. The money has been passed to two local schools to help them purchase reading aids and climbing equipment. Funds have also been raised at collections that took place at Morrisons (Hatherley) and Page 24

and then in 2011. Around 3,960 women In Cheltenham are directly affected. 324 local residents signed the e-petition calling for transitional arrangements, which received almost 200,000 signatures nationwide. I am lobbying the new Work and Pensions Secretary on their behalf, and will continue the fight for a fair deal for the Women Against State Pension Inequality (WASPI) women. In national news, the stalking campaign I launched in Cheltenham with Richard Graham MP continues to attract national media attention. I’ll keep pressing the Government to extend the maximum sentence so that courts can properly protect victims of this unpleasant, violating crime. Here in Cheltenham I am campaigning to improve tongue tie services for mothers and new-born babies, and the war on ‘grot spots’ continues. In June I met with senior councillors and road contractors Amey to raise my concerns about Cheltenham’s dreaded potholes. I was pleased to secure a pledge from Amey to fix the 50 worst offenders across the town, as nominated by local residents, within 28 days. It all

helps towards the goal of making our beautiful town look its best. I’ve also been supporting some of our great local causes, including abseiling down the Eagle Tower in aid of St Vincent’s and St George’s, and joining Eddie the Eagle for the ‘Walk a Mile in My Shoes’ walk in Pittville Park for Gloucestershire Carers. I continue to be humbled by the kindness and compassion of so may people in our local community. It’s part of what makes Cheltenham such a special place to live.

- by Alex Chalk

Sainsbury’s. The Club would like to thank the management at both stores for all their help. A second book stall was held in the Regent Arcade in June and there will hopefully be another one in September. The Club is in urgent need of good quality novels, members will even collect them from any house in the Cheltenham area, so if you are having a clear out please ring Ron White on 01242 675286 or Tom Pettigrew on 01242 244090.

The Lions Club meets at the Victory Club on the second and fourth Monday every month, meetings start at 8.00pm. For further information, please call Peter Weir on 01242 210583.

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Page 25


Water, Water Everywhere by Pippa Greenwood

With summer well under way, gardens will need more water than the rain is giving them, but how can you minimise the amount you apply, make best use of what you’ve got and still have a good-looking and productive garden? If possible, wait until the autumn to plant out trees, shrubs and climbers – it will be far harder for them to establish properly now and they are more likely to suffer serious setbacks. However, if you can’t avoid planting, improve the soil texture by digging and forking in plenty of garden compost, well-rotted manure or other bulky organic matter so that the soil is better equipped to retain moisture – sandy soil will then hold water more effectively whilst clay soil is less likely to crack. It may be hard work but it will make life a lot easier for the plants, and means you will spend far less time watering later on. It is still well worthwhile mulching beds, borders and your vegetable plot. The mulch needs to be 2” - 3” (5 - 7.5 cm) deep and you can use shredded composted bark, composted chipped bark, cocoa shells or many of the numerous pebbles, shingles and so forth Page 26

which are now available. If the soil is well watered before the mulch goes on, then it will really help to keep moisture in the soil and, as all the materials I’ve suggested will let plenty of rain through, when it does rain the plants will still benefit. Mulching will also help to keep down weeds.

always water in the evening or extremely early in the morning, which drastically reduces the amount of water lost through evaporation, and means that there is far less chance of foliage or flowers getting scorched - as can happen if they are wetted in bright sunlight.

In drier areas of your garden, try to use drought tolerant plants. Those with silvery or grey foliage such as the lavenders, Sedums (ice plants), rock roses (Helianthemum), rosemary and Convolvulus cneorum all tend to thrive in dry conditions, and are also more likely to do quite well if planted now.

Where possible use a watering can or hose with a gentle nozzle attachment and water only the areas where the water is needed. If the soil is very dry before you start to water, then sprinkle the surface gently with a light drizzling of water and return a few minutes later - you will find that the water penetrates down to the roots much more effectively. Excessive watering on a very dry surface is likely to lead to a lot of run off and wastage.

Make the most of any rainfall by fitting a water diverter to the drain pipe which takes water from the guttering from your greenhouse, house, conservatory or garage, and divert the rain straight into one or more water butts. You can also fit a water diverter to the downpipe which takes water from your bath, hand basin or kitchen sink. Normal amounts of shampoo, bubble bath and washing up liquid should pose no threats to plants, and these detergents may help with pest problems such as greenfly. Unless there’s no alternative,

Visit Pippa’s website www. pippagreenwood.com for a really useful selection of Pippa’s favourite gardening items including Nemaslug to safely control slugs, pop-up crop covers, SpeedHoes, SpeedWeeders, ladybirds to control greenfly, biological controls, pull-out mini tunnels, signed books and lots more besides.

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


Waltz back in time at Winchcombe Tea Dance A Tea Dance revival is being staged in Winchcombe and lovers of vintage music are being invited to step into the popular Cotswold town and take part. The first tea dance was held in May and proved a huge success, another one followed in June and the next one will take place on Wednesday 20th July. Live music, with accompaniment, comes courtesy of Don Adams who plays dance tunes from the 1920s through to the 1960s. Organisers Sarah Hartley and Hilary Wright will be on hand to offer dance tips to anyone needing to brush up on their quick-step, cha-cha-cha or jive. The dances run from 2pm to 4pm at Abbey Fields Community Centre in

Back Lane and entry is £5 on the door (to include tea, coffee, cold drinks and a piece of cake).

Sarah Hartley said: “Our first Tea Dances were very successful and people really enjoyed it. For next time we are hoping to have a demonstration and arrange some refresher lessons for those who are a little rusty. You don’t need a partner, there are several men and women who can dance with you, just come along and join in, everyone is welcome!” The Tea Dances are being held monthly and proceeds to to the Winchcombe Day Care Centre, a registered charity. Future dates are Wednesday 31st August, Wednesday 28th September, Wednesday 26th October and Wednesday 30th November.

Organisers Sarah Hartley and Hilary Wright

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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


COUNCILLORS CORNER I was delighted to be re-elected to serve College Ward in the Borough Council elections in May this year. Since then I have become Deputy Mayor of Cheltenham which is a great honour.

Plans for the redevelopment of Bath Road Market were unveiled recently, parking is a big concern for local residents although a formal planning application is yet to be submitted.

I am also County Councillor for Charlton Park and College Division on the County Council and recently took up a new role on the Lib Dem Shadow Cabinet, moving from Older People Spokesperson to the Finance and Change Portfolio. It is starting to become a very busy time and I look forward to meeting more residents around the town this year and next when I become Mayor.

I am supporting a group of parents who have raised a 700 word petition asking Balcarras and Bournside to work together to tackle what is known as the ‘Leckhampton Corridor’ senior school problem. I have been to visit Balcarras School already to discuss the issue, where children living in Balcarras catchment lose out on a place at that school and at the second nearest school Bournside. e he hint - Us ke t Ta

I am also working to address many important local concerns like antisocial behaviour, roads, pavements and planning applications.

P est eB Th

And finally, work has started on Phase One of the Boules Court in Sandford Park. On July 9th

Klara and her husband David

an event is planned in the park to celebrate the 60th Anniversary of Cheltenham being twinned with Annecy. - Cllr Klara Sudbury, Borough Councillor for College Ward and County Councillor for Charlton Park and College

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Summer Reads There are few things better than relaxing on a sun lounger in the garden with a good book. If you’re looking for some inspiration for your summer reads, we have plenty to tempt you with this month. Flawed – Cecelia Ahern A book which examines the idea of perfection, Flawed focuses on Celestine, who lives in a world where nothing less than perfection will be tolerated. Infractions come with a high penalty – offenders are branded as ‘flawed’ and become second class citizens, for life. Celestine knows how to play the game, but a moment of compassion towards one of the flawed has dire consequences. Celestine could now be branded herself. Bestselling author Cecelia Ahern has delivered another cracker. This one’s aimed at a young adult market, but definitely has crossover appeal. Best British Short Stories 2016 – edited by Nicholas Royle Now in its sixth year, this annual anthology brings together some of the best fiction from British writers published over the last 12 months. Editor Nicholas Royle has scoured the market, including other anthologies, magazines, newspapers and websites, to find this year’s selection. With a wide range of genres and voices, and a satisfying mix of authors, Best British Short Stories may well introduce you to a new favourite writer. Page 32

The Hanging Club – Tony Parsons There’s a band of vigilantes on the loose in London. With victims including a paedophile and a hate preacher, the killers are seen by many as heroes – delivering justice where the law has failed. But it’s DC Max Wolfe’s job to stop them. This is the third of Parsons’ books to feature DC Max Wolfe, and could well be his best yet. Ideal for fans of Lee Child and Patricia Cornwall, along with anyone else who loves a good crime novel, The Hanging Club will leave you questioning your own moral code. Gripping. My Name is Leon – Kit de Waal When nine year old Leon gets taken away from his mum, he thinks that’s as bad as it can get. But Leon’s little brother, Jake, is young enough to be adopted. Battling with grief for the loss of his brother, Leon finds an unlikely group of friends at his local allotments. However, this is the early eighties, racial tension is high and Leon is determined to find Jake, whatever the cost. This is one of those ‘just one more chapter’ books you’ll keep reading until the sun has gone down and the tears have left tracks down your cheeks.

The Museum of You – Carys Bray Single dad Darren Quinn’s priority is his daughter’s happiness. But what twelve year old Clover wants most is the one thing that causes Darren the most pain – the story of her mother. So Clover has decided that this summer she’ll find her own answers. Rich in description and dialogue, with endearing, believable characters, this is a very enjoyable book to while away those summer evenings. The Sudden Appearance of Hope – Claire North No one remembers Hope Ardern. Not her best friends, her parents, or the people she’s running from. Within a few seconds of encountering her, their memory is wiped clean. It’s as if she doesn’t exist. But they leave their impression on her. Now she’s on a personal mission to destroy a new computer program that’s turning people into ‘perfect’ versions of themselves, wiping their personalities in the process. A great book, which raises some serious questions about how far people will go in their quest for perfection.

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


Ceramic Centre Cheltenham

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David Richards on 01242 898 750 or 07725 722132

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HPS can provide you with all loading components (powder, primers, Please call during June cases and bullets) for your hand loading requirements. For those who and July prior to visiting hunt we can also look after your every need. Gameking, Hornady SST and Nosler bullets easily supplied. If you prefer not to hand load HPS offers factory loaded ammunition to comply with Forestry Commission Legislation and a bespoke loading service tailored to your rifle. To ensure your equipment is on target for 2016 why not see us for a FULL RIFLE SERVICE which generally takes one hour. Cost: £65 including VAT. Any parts required are extra. For more information get in touch and let us know your requirements. We look forward to seeing you!

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

Page 33


Phil & Maddy’s Coach Holidays LAKE DISTRICT Steam Yacht Gondola on Coniston Water, Beatrix Potter’s Hill Top – Windermere, Grasmere, Ullswater, Wordsworth House and much more!

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Find the names of herbs and spices in the grid and the remaining letters will spell out a related phrase Page 34

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g too much time and energy on the simple We are:  Highl Take all the stress away by using our ange the boiler without costing the earth? selec team of industry experts. strong capable of  Highly experienced and technically budg ress away by using our team of industry experts: selecting the right system / boiler for your property and  Craft Wetooare: Is your boiler unreliable? Are you spending much time and energy on the simple budget with ease with need for heating and hot water? Need to change theexperienced boiler without costing the earth? strong: • Highly technically experienced and technically strong capable of  Craftsmen with a pride in and everything we put our name to,team Capable ofour selecting theexperts: right system / boiler for ng the right system / boiler for your property and Take all the stress away by using of industry  our Polite with a combined 85team year’s industry experience amongst t with ease your property and budget with ease We are:  Tidy w team! men with a pride in everything we put our name to,  Highly experienced and technically strong capable of • Craftsmen with a pride in everything we put our combined 85 year’s industry experience amongst our  selecting Polite,thecourteous, honest and trustworthy rightto: system / boiler for your property and name With a combined 85 year’s industry  budget Tidy with workers ease with great respect for your property

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Health

By Alison Runham www.alison.runham.co.uk

Growing Up, Not Growing Out: Childhood Obesity

Most parents would say their child’s health and life expectancy is vitally important. Yet nearly a third of all children in the UK are overweight or obese, potentially jeopardising their health and shortening their lifespan. Last year Simon Stevens, Chief Executive of NHS England, warned that “[poor diets] and couch potato lifestyles are normalising obesity and as parents, a third of us can’t now spot when our own child is seriously overweight”. National Childhood Obesity Week, running from 4th-10th July, aims to raise awareness of this escalating problem. The Scale and Dangers of Childhood Obesity The 2014 Public Health Survey for England identified 31.2% of 2-15 year olds as overweight or obese. The 2014/15 National Child Measurement identified 19.1% of Year 6 children (aged 10-11) as obese and 14.2% as overweight, while 9.1% of Reception children (aged 45) were already obese, with another 12.8% overweight. ‘Puppy fat’ that children ‘grow out of’ is a potentially dangerous myth. Obese children often grow into obese adults, increasing their risk of developing insulin resistance, premature onset of diabetes and heart disease, cardiovascular disease, Page 36

disability, musculoskeletal disorders (especially osteoarthritis) and some cancers. Dr Sania Nishtar, Co-Chair of the Commission on Ending Childhood Obesity, warns of obesity’s “impact on educational attainment” and “physical, psychological and health consequences”. Tackling the Problem • The National Child Measurement Programme (NCMP) provides data to help the government understand and tackle children’s weight issues and aims to engage with families about healthy lifestyles and weight issues. Trained healthcare professionals measure the height and weight of Reception and Year 6 children annually and calculate their Body Mass Index (BMI) centile. • Initiatives such as Change4Life provide straightforward information about healthy family lifestyles. • The Sugar Tax may be controversial, but government research shows that if we halved the sugar in soft drinks, average sugar consumption would decrease significantly, particularly in 10-19 year olds. Dropping the nation’s sugar intake to recommended levels within 10 years would avoid 4,000 early deaths and save the NHS £480 million a year. What Parents Can Do: • Give them the best start. Exclusively breastfeeding babies until 6 months significantly reduces their risk of obesity. • Reduce Their Sitting Time. Prolonged sitting damages

health, even in people who exercise regularly. Keep binge-watching sessions to a minimum and break them up with bursts of activity. • Increase Their Physical Activity. This needn’t be team sports or gym sessions. Walking or cycling to school (even part way), playground trips, countryside walks, gardening, kicking a football around, swimming, indoor snowboarding, playing tag or fitness videogames all provide great exercise. • Ensure They Get Enough Sleep. Lack of sleep can affect appetite-stimulating hormones, as well as negatively affecting memory, concentration, immunity and mental and physical health. • Improve Their Diet > Reduce sugar. Beware hidden sugars in sauces and cereals, cut out sugary drinks, and gradually wean them off adding sugar to cereals or drinks. > Provide Five a Day. Any form of fruit or vegetables will do, but ration juices, as these contain ‘free’ sugars just as sugary drinks do. > Keep Portion Sizes Small for younger children. > Monitor Pocket Money Spending to ensure it isn’t spent on junk food and sweets.

Finally, Set a Good Example. Spending your free time in front of the TV eating unhealthy snacks makes it hard to persuade your child that following suit could damage their health. For more information, visit: http://www.nhs.uk/Livewell/ Childhealth6-15 http://www.nhs.uk/change4life

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


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Page 37


A.P. Property Maintenance www.leckhamptonplasteringservices.co.uk

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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


Mini Cryptic Crossword

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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


Hobbies Keep Calm And Get Colouring By Kate McLelland

Close your eyes and think back to the simple pleasures of childhood: a rainbow box of crayons on the table and, beside it, a book of illustrations just waiting to be coloured in. Remember the intense concentration as you filled in the blank spaces with your favourite shades of yellow, red, purple, green and blue? Now fast-forward to the present day, when high-tech gadgets and gizmos allow us to create sophisticated and brightly coloured designs with just a few mouse clicks. Such innovations should have consigned the humble crayon to the dustbin of history, so it’s amazing to learn that in the second decade of the 21st century one of the most popular hobbies is adult colouring. It has become a global phenomenon, spreading to countries as diverse as Brazil and New Zealand. In fact the interest is so great that the world’s largest wooden pencil manufacturer, Faber-Castell, has been forced to increase shifts at its German factory in order to keep up with demand. Printers and booksellers have also seen a stratospheric rise in the popularity of colouring

books created for the adult market. Millie Marotta’s Animal Kingdom, Johanna Basford’s Secret Garden (now translated into 14 different languages) and Emma Farrarons’ The Mindfulness Colouring Book feature high on the UK’s bestseller lists. Mindfulness, with its emphasis on being aware of the present moment, fits particularly well with this hobby because colouring is essentially a repetitive, undemanding activity that can be used to focus the mind. Colourists claim that their hobby can lead to a calmer, almost meditative frame of mind and this view is supported by clinical psychologist Dr David Holmes: “With our workaholic culture, we spend most of our lives in ‘beta mode’, which is when we’re alert, problem-solving, decisionmaking. By actively altering the preponderance of certain brain patterns, you can shift into ‘alpha mode’, which is more like the state of mind we have as children. Meditation and similar techniques require learning and practice, whereas anyone can just drop into colouring-in.” Colouring may seem like a solitary pastime but it can also become a social activity: in

recent years colouring clubs and parties have proved popular, particularly in America and France. The Ladies Coloring Club is a Facebook Group based in the US which links to groups around the world. Alternatively you could start your own group like 38year-old Suzanne Parsonage from Bristol, who launched a colourists group from her local pub. Many local libraries also host adult colouring sessions. If you are eager to try colouring for yourself but don’t want to invest in a book of illustrations just yet, go online and download some free printable pages. You’ll find some great library printables at www. pinterest.com that will help you decide whether adult colouring is for you. If you are feeling that this hobby is a little too childish, you’ll be relieved to hear that a recent article in Director magazine identified a growing trend amongst business leaders who have taken up colouring in order to alleviate stress. So grab a box of crayons or felt-tips and make a start. It seems there’s every reason to add a little colour to your everyday life - and all you need to worry about is keeping within the lines!

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Page 41


Home & Interiors Storage Solutions For Every Room By Katherine Sorrell

Well-designed storage makes an enormous difference to our homes, so interiors expert Katherine Sorrell takes us through some room-by-room ideas. Our homes are full of stuff, and each room requires specific solutions. You could do this yourself, plotting on graph paper where doors, windows, radiators and other furnishings will go, making use of ‘dead’ spaces such as under stairs or sloping ceilings, the alcoves either side of a chimney breast or the space below a bay window. Alternatively, interior designers can create an overall ‘look’, but should understand space planning, while architects are suited to more extensive works that involve extensions or alterations, and can help to make the most of your space. Living Rooms Often the public face of a home, the living room is where you’ll show off treasured possessions whilst concealing less attractive items, so to cope with these twin demands build in storage that includes open shelving and/or display niches as well as Page 42

cupboards. A central chimney breast with alcoves either side is ideal for shelving above and cupboards below, or run a long, low cupboard along one wall – perhaps incorporating a fireplace or TV in the centre – the top of which can serve as seating or display space. If two rooms have been knocked into one there may be space for shelving or cupboards over the central double doors, or in a small room it may be possible to fit shelving above or around the door or the windows. Halls Hallway storage is all about organisation – slimline furniture such as console tables or storage benches works well. For a variety of storage types, supplement coat hooks behind the door with shoe racks at the bottom, an umbrella hook, and a shelf at the top. Alternatively, it may be possible to build an under-stair cupboard, kitted out with hooks, shelves and racks. Bathrooms Custom-made floor and wall cabinets are ideal for storing toiletries and spare towels, keeping surfaces clear, while vanity units with shelves, drawers and cabinets can be built around sanitaryware to cover up pipe work. Alternatively, consider free-standing options such as dressers, cupboards and chests, and wall-mounted

pieces like shelves, racks and mirrored cupboards. Pipe runs can be hidden behind false walls of studwork and plasterboard, within which you can punch shallow shelves and cupboards. Do the same when building a shower wall and create niches in which to store shampoos and soaps. Bedrooms There are four ways to fit out a bedroom: use free-standing pieces that you can take with you when you move (but probably won’t be space efficient); find a carpenter or joiner to make a bespoke room; use a fitted-furniture specialist, whose ranges often feature ingenious storage solutions; or use inexpensive, off-the-shelf elements from DIY shops or storage specialists, and make it up yourself. It’s a question of working out what best suits you, your property and your pocket. Children’s Rooms Raised beds with storage underneath are great for storing clothes or toys. Drawers should be easy to open, but with stops that prevent them from sliding right out. Use large boxes, baskets or cupboards for bigger toys, and smaller containers for things like Lego, toy soldiers and paints. Image - Form playroom storage, featuring Form Konnect 1x1 cubes, £10; Form floating shelves, from £5; and Form photo shelves, £10. All Form at B&Q, tel. 0333 014 3098; www.diy.com.

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VOLUNTEERS NEEDED Would you like to join our team?

Sudoku

We organise a successful monthly social club for visually impaired people in Cheltenham. We want to hear from people who would like to be volunteer drivers taking members to the meetings which take place on the first Wednesday of each month, 2pm - 4pm at Highbury Congregational Church.

For an informal chat contact: Christopher Chapman, volunteer organiser, on 01684 293527 or email mail@cchapman.co.uk.

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Page 43


plumbing solutions This Month’s Special Offer Upto 20% off boiler installations Combination Boilers supplied and fitted from £1200+vat Standard heat only boilers from £1100+vat Back boilers removed Cylinder upgrades Combination boiler conversion specialist Boiler warranties from 2-10 years

Call Morgan: 07515005331 Office: 01242 248146 Email: mjtaylorplumbing@live.co.uk Website: www.mjtaylor-plumbing.co.uk

We carry out a wide range of plumbing work including: l 24 hour call out service, seven days per week l Complete central heating design installation and repair l Combination boiler installation specialists l Boiler servicing l Power flushing l Domestic and commercial gas installation l Blocked drains and sinks-baths-showers l Saniflows and other macerator problems solved l Leaks, overflows and burst pipes l Full underfloor heating service carried out l Electric and wet systems installed l Low water pressure problems solved l Supply and installation of showers & booster pumps l Labour only service available l Insurance work undertaken l Landlords safety certificates

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

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.

10

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To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


What's On in July/August Cheltenham Music Festival Friday 1st July - Sunday 17th July, Cheltenham Town Hall, Pitville Pump Rooms and other local venues

The Cheltenham Music Festival is all about high-calibre performances, magnificent venues and a huge variety of music, from classical – symphonic, choral, chamber, contemporary and early music – to jazz, folk, electronica, spoken word and film. For more information, please call 01242 850270 or visit www. cheltenhamfestivals.com/music Midsummer Fiesta Saturday 2nd July Montpellier Gardens, Cheltenham Cheltenham’s biggest free summer event is returning to Montpellier Gardens showcasing the fantastic talents of the diverse communities of Cheltenham. With a multitude of activities from charity stalls to music and dance this is a day for everyone to enjoy. For more information visit: www.midsummerfiesta.com Cleeve Fest Saturday 2nd July, 12 noon 11pm, Bishop's Cleeve Football Club, Kayte Lane, GL52 3PD Bishops Cleeve Football Club are hosting their Cleeve Fest beer

& cider festival. Admission is £10 and overnight camping is available. For more information, please call 07879 697362. Cleeve Chorale Summer Concert 2nd July, 7pm, Bishop's Cleeve Primary Academy Tickets £10 each. Accompanied children free. Children from the Academy will also be singing at the concert. Items will include "Captain Noah and his Floating Zoo" by Flanders and Horovitz and varied solos by members of the choir. Sudeley Castle & Gardens Tudor Day Sunday 3rd July, 10am, Sudeley Castle, Winchcombe, GL54 5JD

Go back in time to 1535 with a royal visit from Henry VIII and Anne Boleyn, who will be delighted to meet you, their loyal subjects, whilst taking in the beautiful gardens and entertainment of the day. For more information visit: www.sudeleycastle.co.uk. 2000trees 2016 Thursday 7th July Saturday 9th July, Upcote Farm, Withington, GL54 4BL Celebrating its 10th year, this event is going to be the biggest yet. 200trees is all about the British music scene and aims to provide you with the opportunity to discover new bands. This year’s headline acts are Twin Atlantic and Refused. For ticket information and prices please go to www.twothousandtreesfestival.co.uk.

that, for some events, booking is essential and there is a small charge, payable in advance. Cheltenham Pretty Muddy 5K Saturday 9th July, from 10am, Cheltenham Racecourse, Prestbury Park, Cheltenham, GL50 4SH Race for Life Pretty Muddy is our brilliant 5k muddy obstacle course where you can show cancer that hell hath no fury like a woman in pink. You must be over 13 years old to take part in this event. Women aged 16+: £19.99; Girls aged 13-15: £10.00. Bring a change of clothes for after your event and a towel to wipe off the worst of the mud; remember there are no showers or lockers at Pretty Muddy events, but there will be a bag drop area. Don’t forget to bring your friends and family along to support you. You and your friends can also join the fight by volunteering. Our events can't take place without the hundreds of people who give up their time. Go to bit.ly/RFLCent to find out more and sign-up! Pied Piper Junior Aquathlon Saturday 9th July Sandford Park Lido

The Pied Piper Junior Aquathlon is a fun sporting challenge which raises funds for two charities and is designed for children aged 8 to 16. The aquathlon comprises of a swim in the heated main pool of the lido followed by a run around Sandford Park. Entry cost

Cleeve Common Event Flower Foray Friday 8th July Wild flower hunt across Cleeve Hill – a five mile walk over the common and the adjoining butterfly reserve. For full details, please visit www. cleevecommon.org.uk. Please note Please mention Cheltenham Magazine when responding to advertisers

events cont'd...

Page 45


...events cont'd is £16.00; to enter please visit www.sandfordparkslido.org.uk Curry Night for Charity Saturday 9th July, 7pm Woodmancote Village Hall

A charity curry evening to support the Darjeeling Himalayan Railway Society which works to promote health, welfare and employment within this region of India. The evening will include a three course meal, prepared and provided by the Saffron Lounge. The cost is £20 and will include an illustrated talk about the work of the charity. For more information and tickets contact 01242 663726 or 01684 562571. Tewkesbury Medieval Festival Saturday 9th July - Sunday 10th July, Tewkesbury Town Centre Events will run from 11am to 6pm on Saturday and from 11am to 5pm on Sunday. This is a free festival that has been held in Tewkesbury for over 30 years. It's Europe's largest medieval re-enactment, and fun for all the family is guaranteed. For more information please call 01684 855040 or visit www. tewkesburymedievalfestival.org. Gloucestershire Warwickshire Railway Events Gloucestershire Warwickshire Steam Railway, The Railway Station, Toddington, GL54 5DT Saturday 9th July: Fish & Chips Page 46

Special. Sunday 10th July: Classic Bus Rally & Running Day. Toddington car park will be full of buses of every shape, type and age from throughout the region. Services will be run troughout the day. Normal ticket prices apply. Friday 29th Sunday 31st July: Heritage Diesel Festival and Open Day. A chance to relive the 60`s and 70`s with a superbly restored collection of heritage diesel locomotives. Entry to the site will be ticket only. There is no entry fee. For further details please visit www.gwsr.com. Cheltenham Race for Life 5K and 10K Sunday 10th July, from 11am, Cheltenham Racecourse, Prestbury Park, Cheltenham, GL50 4SH

Show cancer that hell hath no fury like a woman in pink by taking part in the Race for Life 2016 5K event or up the challenge and declare war on cancer by taking part in a Race for Life 2016 10K event. 10K is a great step up from our 5K events but you can still run, walk or even dance your way around the course! Adult entry (16+ women-only) - £14.99, child entry (6 -15 girls and boys under 13) - £10.00. Under 6 entry (boys and girls) - free and no registration needed. Don’t forget to bring your friends and family along to! You and your friends can also join the fight by volunteering. Our events can't take place without the hundreds of people who give up their time. Go to bit.ly/RFLCent to find out more and sign-up! Dine with Wine Wednesday 13th July, 12.30pm 37 Hatherley St, Cheltenham, GL50 2TT Enjoy a delicious 2 course

lunch (main and dessert) with a glass of Sauvignon Blanc/ Orange Juice for just £20 per person. Arrive at 12.30pm for sit down at 1pm. £5 from each lunch will directly go towards the St. Stephen's Roof Appeal, set up to repair this beautiful Church. Please book by Friday 1st July. To reserve your place please email natalienorman2014@ gmail.com or call 01242 573 508. There will also be a splendid raffle to take part in. Cheltenham Cricket Festival Wednesday 13th July - Sunday 24th July, Cheltenham College, GL53 7AB This popular cricket festival has been going for over 140 years! There will be a host of events to attend plus free coaching for children in the Abercrombie & Kent coaching zone. Food and drink will be available at the ground. For more information and tickets visit: www.gloscricket.co.uk/cricket/ cheltenham-cricket-festival Cotswold Beer Festival Friday 22nd July - Sunday 24th July, Fri 7pm-11pm, Sat 11.30am-3pm and 7pm-11pm, Sun 12am-3pm (depending on beer stocks), Postlip Hall, Winchcombe

A CAMRA event. Come to the 40th Cotswold Beer Festival and chose from a selction of 70-80 Real ales and 25-30 Ciders and Perries. Coaches available from Winchcombe and Cheltenham. For more information visit: www. gloucestershirecamra.org.uk/cbf

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


Rovin Fest UK Friday 22nd July - Sunday 24th July, Newlands Park, Southam Lane, Cheltenham This musical extravaganza will be supporting the charity Winston`s Wish. It will feature music on 3 stages plus special children’s events, a food village, funfair and much more. For tickets and information please visit www.rovinfest.com. Cider Festival Friday 29th July - Sunday 31st July, 12pm - late, The Plough, Mill Street, Prestbuty, Cheltenham GL52 3BG

Why not go along and sample some of the 21 ciders and 7 ales that will be available at this event. Food will also be available on the Saturday & Sunday. For more information please call 01242 222180. Livestock Festival Friday 29th July - Sunday 31st July, Manor Farm, Longdon, Tewkesbury, GL20 6AT A weekend of comedy, music, local food and drink, and fun for all the family. There will even be an outdoor cinema. Event times: Friday 5pm to 2am, Saturday and Sunday 12pm to 2am. Adult weekend camping tickets are £110, adult day tickets cost £35.00, tickets for 11-17-year-old`s are £20 and U10's pay £1. For further information call 01684 833133. Children’s Wednesdays at Sudeley Castle 3rd, 10th, 17th, 24th and 31st August, Sudeley Castle, Winchcombe, GL54 5JD Back by popular demand. Each Wednesday of the summer holidays there will be fun for the whole family with a variety of activities and shows. Every week

also be a special appearance from the great Richard III, who will be present on horseback, making sure that you get the full 15th century experience! For more information please visit: www.sudeleycastle.co.uk. there will be History and Time Travel Shows, Dragon Tales from the Agent Green, Giant Games, and a bouncy castle. On alternate weeks the Music Man (10th & 24th August) and Punch and Judy shows (17th & 31st August) will keep visitors entertained. Included with general admission. For more information please visit: www.sudeleycastle.co.uk. Paws in the Park Sunday 7th August, Pitville Pump Room Lawn, Cheltenham For more information please contact 01242 774512. Summer Tea Dance Sunday 14th August, 2pm Cheltenham Town Hall Join Beverly Harwood for a special summer afternoon of social dancing to strict tempo music. You can enjoy a mixture of Latin, Ballroom and sequence dancing. Tea and biscuits will also be available. Richard III Weekend at Sudeley Castle Saturday 20th August - Sunday 21st August, Sudeley Castle, Winchcombe, GL54 5JD Travel back into the 15th century with Richard III and his encampment as they settle at Sudeley for another weekend of medieval life on the road. Entertainment will be on hand by musicians, knights, storytellers and more. There will

2 Peaks 1 Pool Sunday 21st August, 9.30am - 5.30pm, Sandford Park Lido, Cheltenham

A team challenge combining a walk/run to two checkpoints on picturesque hills surrounding Cheltenham followed by a refreshing swim at the Lido. Teams must consist of a minimum of 2 individuals who walk/run and finish together. Adults £9.00, children £5.00. To enter or for more information please visit: www.sandfordparkslido.org.uk. The Mid-Counties Co-operative Gloucestershire Fun Day Sunday 21st August, 11am 7pm, Newlands Park, Bishop’s Cleeve, Cheltenham A charity event for 3 charities – Riding for the Disabled Association, Longfield Hospice and the The Children’s Opportunity Centre. A great family day out not to be missed!

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

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events cont'd... Page 47


...events cont'd

LOCAL MARKETS

TO RI ES

events and social activities, all are welcome to join us. Contact Jane Henderson, Volunteer Co-ordinator, on 0344 225 3694 or jhenderson@parkinsons.org.uk if you are interested in coming along. See more at www.parkinsons.org.uk/local-support-groups/ regions/cheltenham-and-district-branch

GL OS DI R

EC

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.

CAKEBRIDGE HOME IMPROVEMENTS Tel: 01242 577120 or 07914 000702 FULLY INSURED

Interior/exterior

painting and decorating A husband & wife team Plumbing and tiling “Peter & Susan Small electrical provide a great work service. I would thoroughly Carpentry recommend them.” Kate Shannon, Leckhampton Design advice

peterscopes@btinternet.com

Money 1. Which US President features on a one dollar bill? 2. What two word term refers to an instruction a bank account holder gives to their bank in order to pay a set amount of money from their account to another account at regular intervals? 3. What is the main colour of a 20 Euro note? 4. In London slang, how much money would you have in total if you had a “monkey” and a “pony”? 5. Money Never Sleeps was the sub-title of the 2010 sequel to which 1980s film? 6. How many times is the word “money” mentioned in the chorus of the ABBA song Money Money Money? 7. On a standard UK keyboard, the pound sign appears on what number key? 8. Founded in 1762, what was the world’s second oldest merchant bank, which collapsed in 1995 after suffering losses of over one billion dollars due to the actions of “rogue trader” Nick Leeson? 9. Which is worth more?... two kilograms of one pound coins or one kilogram of two pound coins? 10. Rich Uncle Pennybags is the mascot for what? Page 48

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


leckhampton

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Highest quality bathroom products from leading manufacturers like Laufen, shower enclosures, baths, vanity units, basins and W.C.’s from Kohler, fitted furniture from Montrose, an extensive range of tiles and much more - come and see for yourself! If you are looking to customise your existing bathroom then we can help you with accessories, mirrors, bathroom cabinets, tiles and flooring.

From design to installation we are here to help you and make the whole experience a pleasant one! FINEST, QUALITY KITCHENS Beautifully crafted kitchens from Dutch manufacturer Keller, work surfaces from Corian, Silestone and Capsule, ceramic worktops from Jetstone, Siemens appliances and much more! VISIT OUR SHOWROOM Mon - Fri: 9.00am - 5.00pm Saturday: 9.00am - 1.30pm Sunday: Closed

A new bathroom or kitchen needs maximum attention to detail so call in and see us and let us help you as only we can. Leckhampton Bathrooms & Kitchens Ltd Mead Road, Leckhampton, Cheltenham Gloucestershire, GL53 7EG W: www.lbkonline.co.uk E: sales@lbkonline.co.uk

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Page 49


Finance

By Ann Haldon

Which type of ISA is best for you? put your money to one side. You get instant access to your savings, and need to be at least 16 years of age to open this account.

Individual Savings Accounts were first introduced in 1999. They provided exemption from income tax and capital gains tax, and quickly became a popular place to save and invest. Back then, it was a straightforward choice between a Cash ISA or a Stocks and Shares equivalent, but with seven different types of Individual Savings Account now available, making the right choice is much more complicated. So how do you know which ISA is best for you, and even whether you’re eligible to apply? We take a look at the different ISA accounts available, to identify which ones might suit your needs. Instant access cash Isa A straightforward tax-free savings account offered by banks and building societies - interest rates have fallen considerably in recent years, but it’s also a risk-free way to Page 50

stocks and shares Isa Stocks and Shares ISAs are open to anyone aged 18 or over. The money is divided between various investment products, including company shares, government and corporate bonds, and unit trusts. Although as an investment there’s greater risk with a Stocks and Shares ISA, you can control your exposure to it by splitting your annual allowance between this and a Cash ISA. JunIor Isa Parents can save for their children in a Junior ISA. It’s open to children under the age of 18, but the child can only open an account if they are aged 16 or over. The annual allowance currently stands at £4,080, but a child between the ages of 16 and 18 can also open an adult ISA, which boosts their saving capacity. For a child under the age of 16, the account must be opened by a parent or legal guardian, but there are no restrictions on who can pay money in once it’s open. help to Buy Isa A fairly recent addition to

the ISA family, the Help to Buy ISA was introduced in December 2015 in an attempt to boost the first-time buyer market. For every £4 saved, the government has pledged to add a £1 bonus (up to a maximum of £3,000), making it a great way to save for a deposit on a first property. There are limits on how much you can save each month, however, so it’s a good idea to start saving early. You can put away a maximum of £200 a month into a Help to Buy ISA, as well as a lump sum of up to £1,000 when the account is opened. You’ll receive the bonus when your property purchase is complete, and as couples are entitled to have a Help to Buy ISA each, there’s the potential to receive an extra £6,000 from the government. InherItance Isa To avoid having to pay tax on a deceased partner’s ISA savings, the Chancellor introduced the facility to inherit tax-free from December 2014. From the date of a spouse’s death, the surviving partner is granted an Additional Permitted Subscription (APS) for the total amount in the account, and has three years in which to use it. Once an APS application form has been completed, they can open an account in their own name and the money will be transferred across.

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


lIfetIme Isa The Lifetime ISA will be introduced from 2017, and is for people between the ages of 18 and 39. A 25% bonus from the government is available, so for every £4 saved they will put in £1 up to a maximum of £1,000. If money is withdrawn for anything other than a house purchase, you’ll be charged 5% on the amount taken out and lose the government bonus. It can be used towards the purchase of a house up to the value of £450,000, otherwise you need to keep the money in the account until the age of 60 to avoid the penalty. Additionally, the account needs to be open for a minimum period of a year to qualify for the government top-

up. You can hold a Lifetime ISA and a Help to Buy ISA at the same time, but are only eligible to receive the bonus on one of them. InnovatIve fInance Isa This is seen to be a riskier choice for investors, but one that potentially brings higher returns. One of the risks is that your money won’t be protected by the Financial Services Compensation Scheme because the banks are not involved. You place your money with peer-to-peer lending platforms, which could attract a higher rate of interest than with Cash or Stocks and Shares ISAs. At the time of writing, however, there are only eight such online lenders offering this type of ISA.

The ISA limit for the 2016/17 tax year is £15,240, rising to £20,000 in 2017/18, and the savings year runs from 6th April to the following 5th April. Each type of ISA has its own pros and cons, and it’s worth remembering that unless you opt for a fixed rate ISA, interest rates can fluctuate widely throughout the year. http://www.thisismoney.co.uk/ money/saving/article-3505692/ The-seven-different-types-offerchoose-one-you.html http://www.moneywise. co.uk/banking-saving/savingsaccounts-isas/how-to-inherit-isa http://www.thisismoney.co.uk/ money/mortgageshome/article3520497/From-new-LifetimeIsa-shared-ownership-banishtime-buyer-blues.html

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Page 51


Pictograms

CAY LI R

2 words

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.

YOUR YOUR £££

4 words

3 letters: 7 4 letters: 8 5 letters: 1 6 letters: 1

3L AI AR CA CR IC LA RA

BAMASPBOO Puzzle & Crossword Solutions Money

2 words

ABYSSINIAN

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: 16 or more words Good: 13 words Fair: 10 words

1. George Washington 2. Standing order (note: direct debit is incorrect as this doesn't refer to fixed amounts) 3. Blue 4. £525 (£500 plus £25) 5. Wall Street 6. Seven ("Money Money Money" twice, plus "If I had a little money, it's a rich man's world") 7. Three 8. Baring's Bank 9. Two kilograms of one pound coins (£210 v £166) 10. The board game Monopoly

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tool WOOL

Pictograms 1. Double Your Money 2. Snake In The Grass 3. Cat's Eyes

Sudoku 3 Letters AIL ARC CAR CRY ICY LAY

RAY 4 Letters AIRY CLAY LACY LAIR LIAR

LIRA RACY RAIL 5 Letters LYRIC 6 Letters RACILY

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


Cheltenham Useful Numbers DOCTORS SURGERIES

COUNCIL

Leckhampton Surgery

01242 539080

Underwood Surgery

01242 580644

UTILITIES

01242 215020

Gas Emergency

Springbank Surgery Overton Park Surgery The Portland Practice

Yorkleigh Surgery

The Royal Crescent Surgery St Georges Surgery

Sixways Clinic

Seven Posts Surgery

HOSPITALS

01242 234306

Electricty -­Power Loss

0800 365 900

01242 519049

Water Leaks

0800 169 1144

01242 215015

HELPLINES

01242 580248 08444 772551 01242 246549 0300 422 2222

Cheltenham General

0300 422 2222

Charlton Lane Hospital

LIBRARIES

01242 802897 01242 634100

Cheltenham Library

0845 2305420

Prestbury Library

0845 2305420

Hesters Way Library

Upper Hatherley Library

01242 262626

01242 580511

Gloucestershire Royal Hospital Nuffield Health Hospital

Cheltenham Borough Council

0845 2305420 0845 2305420

POST OFFICES

Cheltenham Post Office 08457 223344 Bath Road Post Office, 170 Bath Road, GL53 7NF Charlton Kings, Budgens, 12 Lyefield Rd. W, GL53 8EZ Hesters Way, 8 - 10 Hesters Way Road, GL51 0DA Prestbury, 6 High Street, Prestbury, GL52 3AS 107 Salisbury Avenue, Warden Hill, GL51 3DA Shurdington, 2 Yarnolds, Shurdington, GL51 4SH

Water Severn Trent

0800 111 999

0800 783 4444

Alcoholics Anonymous National 0800 9177650 Alcoholics Anonymous GLOS (24h) 01452 418515 Search & Rescue Team 01242 519470 Childline 0800 1111 Citizens Advice Bureau 03444 111 444 Crimestoppers 0800 555 111 Directory Enquiries 118 500 Drugs Helpline 0800 776 600 Floodline 0845 988 1188 Parentline Plus 0808 800 2222 RSPCA 0300 123 4999 Samaritans 01452 306333 National Missing Persons 0500 700 700

EMERGENCY NUMBERS Ambulance (Emergency Only)

999

Fire (Emergency Only)

999

Police (Emergency Only)

999

Gas Emergency

Police (non-emergency) NHS Direct

0800 111 999 101 111

St Marks, 255 - 257 Gloucester Road, GL51 8NW Tewkesbury Road, 93 Tewkesbury Road, GL51 9DB Up Hatherley, 238 Hatherley Road, GL51 6HB Whaddon Road, 112 Whaddon Road, GL52 5NQ

TRAVEL

Bus Information Train Information

01242 544120 08457 484950

Please mention Cheltenham Magazine when responding to advertisers

Page 53


advertisers index Accountants Cheltenham Tax Accountants Aerials & Satellites Digital TV & Satellite Systems Bathrooms Leckhampton Bathrooms & Kitchens Boat Moorings The Old Rectory Building, Maintenance, Repair, Carpentry & Handyman Services, Painters & Decorators A.P. Property Maintenance Cakebridge Home Improvements Dave Dowell Decor by Makeover Leckhampton Plastering Services Business Forever Living, Annabel Carpets Goodrum Carpets Ceramics Ceramic Centre Cheltenham Charities & Community Building Circles Infancia Uganda Cleaning Churchdown Upholstery & Carpet Cleaning Dog Groomers Charlie Allen's Canine Comforts Electrical Services A N Electrical Flexitest Ltd Pro Electrical

Entertainment Sunshine Radio Estate Agents Errington Smith

38 25 49 39

38 48 34 11 38 25 30 33 8 15 6 31

31 33 20

30 3&16

Events Classic Vehicle Festival Cotwolds Ghost Tours Dine With Wine

23

RNLI 2016 Programme 14 Tadstock Music Festival 9 Fencing & Sheds A.P. Property Maintenance 38 Food & Drink Gloucester Biltong 38 Joules Pizzeria, Bar & Grill 4 The Ox Cheltenham 11 Westons Cider 6 Wiltshire Farm Foods back page Furniture Gloucester Import Furniture 2 Gardens & Landscaping Bramwell Garden Services 14 Cotswold & Vale Supplies 20 Edward Price 43 Tree Shop Ltd 6 Holidays Phil & Maddy's Coach Holidays 34 Hypnotherapy & Reiki Advance Practice 20 Positive Exchange 37 Interior Design Bella's Interiors 25 Kingdom Interiors 23 Kitchens Leckhampton Bathrooms & Kitchens 49 Language Classes Instant Spanish 14 Motoring, MOT's & Vehicle Services Cheltenham Scratch & Scuff Repairs 17 J T Vehicle Services 17 Opportunites Voluntee Driver 43

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.

F

Include your business in the August issue - call us today or visit www.cheltenham-magazine.co.uk Page 54

12 8

Advertising Rates start from only Sixteenth Page £28 Eighth Page £40 Quarter Page £64 Half Page £110 Full Page £195 Per month & excl vat

Paving & Tarmac Specialists Cheltenham Town Lanscaping & Driveway Services 4 Plasterers Leckhampton Plastering Services 38 Plumbing, Heating & Boiler Services Intergas Cheltenham 25 Johnston Scotia 21 MJ Taylor Plumbing Solutions 44 Red Panda Heating 35&51 Printers The Best Print 31 Removals DRL Removals 38 Swift Removals & Storage 43 Roofing LCM Flat Roofing 37 Sport Supplies HPS TR Ltd 33 Storage Swift Removals & Storage 43 Taxis & Airport Transfers D.M. Cars 4 Town and Country Transfers 27 Television Aerials & Satellites Digital TV & Satellite Systems 25 Video Cameraman Cameraman Dominic Isles 12 Windows, Doors & Conservatories Cloudy 2 Clear 37 Firmfix 19 Inceil Conservatory Insulation 55 Indeluxe 40 Ledbury Door Supplies 12 Q.B.D. Ltd 8 Regent Windows 28&29

Read The Online Editions

To advertise call 07740 784 444 or 01242 500 028 or visit www.cheltenham-magazine.co.uk


IS YOUR CONSERVATORY TOO HOT IN THE SUMMER AND TOO COLD IN THE WINTER? With an insulated ceiling from Inceil, your conservatory will feel like a proper room you can use all year round.

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Our NEW seasonal menu for the great British summer FLargRe CaEkeEof* your choice

Try our Summer Menu Pack for only £29.95 7 Main Courses with vegetables: • Barbecue Pulled Pork • Chicken & Chorizo Casserole • Chicken with Tomato & Basil Sauce • Mediterranean Fish Casserole • Lamb Tagine • Chicken & Spring Vegetable Casserole • Cumberland Sausages 3 Desserts: • Blackcurrant & Clotted Cream Ice Cream • Pineapple Upside Down Cake • Lemon Sponge

FREE* large Cake worth £2.75 with every Summer Menu Pack.

611 – Barbecue Pulled Pork

Quote your chosen Offer Code when ordering: SUM5 – with FREE Large Country Cake SUM6 – with FREE Large Lemon Drizzle Cake SUM7 – with FREE Large Cherry & Almond Cake SUM8 – with FREE Large Ginger Drizzle Cake

Summer is absolutely my favourite time of the year, I just love sitting out in the garden on those warm sunny evenings. And this year, mealtimes are a breeze as I’ve just ordered the Summer Menu Pack from Wiltshire Farm Foods. Our Head Chef Phil and his team have put together a delicious new range that really captures the essence of summer. With Wiltshire Farm Foods, you can choose from over 300 ready meals, each made with tasty ingredients that are quick-frozen to lock the goodness in. It’s all available no-contract, no-commitment and with free delivery. Heaven! *With every Summer Menu Pack ordered.

To order the new Summer Menu Pack call

01242 820764 where you can also order your FREE brochure

wiltshirefarmfoods.com


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