Winchcombe Magazine August15

WINCHCOMBE YOUR LOCAL COMMUNITY MAGAZINE FREE

www.winchcombemagazine.co.uk

August 2015

LOCAL EVENTS Tropical Paradise Gardening

by Pippa Greenwood

Victorian Style

Home & Interiors

by Katherine Sorrell

Martin Lewis First Time Buyers

The Millionaire Maker Local Writer Richard Denny

Local News Local Businesses & so much more!

Finance

Credit Cards for the Stages of your Life

10% Off in AUGUST

Import Furniture Depot

Import Furniture Depot is Gloucestershire's finest furniture store selling unique products found

IMPORT FURNITURE DEPOT Westgate Galleria, Westgate St, Gloucester, GL1 2RU (Opposite Dunelm) MON-SAT 9.30am-5.30pm SUN 11am-4pm

Telephone 01452 524545

nowhere else in the UK. We pride ourselves on the quality and originality of all the furniture we sell. Import Furniture Depot have been buying and selling furniture for many years now and it is our knowledge and expertise within the industry that allows us to source the finest furniture at the best prices for all our customers in Gloucestershire.

If you are interested in one of our pieces or have a general inquiry about Import Furniture Depot then don’t hesitate to give us a call.

www.importfurnituredepot.co.uk Page 2

To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

All Consultations by Appointment Walton Cardiff & Bishop’s Cleeve Monday - Friday 8.00am - 6.30pm Saturday 8.30am - 12.30pm Free Nurse Clinics & Pet Advice

Folly Gardens Vets Folly Gardens Veterinary Clinic, Bishops Cleeve have been awarded first place in the prestigious Front of House awards run by Veterinary Practice magazine.

The highly contested National award recognised the effort that the clinic go to in ensuring that clients and their pets receive the best possible care on arrival.

Every aspect was assessed from signage on driving into the car park through to the welcoming and professional layout and atmosphere in the reception area. The judges commented on the attention to detail that the clinic goes to that helps bring an ambience of friendliness within a clinical environment. During the judging process which took several weeks assessors had visited the clinic as ‘mystery shoppers’ to experience first hand how Folly Gardens clients are welcomed on arrival for appointments.

As well as the award, we have also achieved RCVS accreditation. This shows our continued commitment to provide the best possible care carried out in the most suitable manner.

The RCVS or Royal College of Veterinary Surgeons is the governing body that registers veterinary surgeons and veterinary nurses to practise in the UK, and regulates their educational, ethical and clinical standards. Their aim is, ‘to safeguard the health and welfare of animals under veterinary care, protect the interests of those dependent on animals and assure public health.’ One of their functions is regulatory and they run a voluntary initiative to accredit veterinary practices in the UK. Through setting standards and carrying out regular inspections, their scheme aims to promote and maintain the highest standards of veterinary care. It offers peace of mind to clients of accredited practices and a more informed choice to the animal-owning public.

To become accredited, practices we have volunteered for regular rigorous inspections which ensure we have met a range of minimum standards including hygiene, 24-hour emergency cover, staff training, up-to-date equipment and show we are independently recognised as achieving excellence in veterinary care.

Look for the sign below to reassure yourself that the Veterinary practice you choose to provide care to your pet, has achieved accreditation by independent inspection.

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Page 3

The World isn’t Black and White or even Woodgrain Fascias, Soffits and Gutters Windows and Doors Conservatories Conservatory Replacement Warm Roofs Rubber Roofs Bi Fold and Slide and Swing Doors Orangeries Georgian Sliding Sash Windows

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To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

From the Editor Hello Reader, It’s official: School is out which means 6 weeks of fun and games, picnics, days out and 'What can we do today' that mums hear throughout the summer!

A great day out for young and old alike is Teddy Bear Tuesday at GWR. Ride the teddy car and railcar special with your own favourite bear!

The dates for this fabulous event are August 4th, 11th, 18th and 25th.

Sudeley Castle is hosting adventure Mondays and Children’s Wednesdays throughout August to keep your little ones entertained.

Finally, Winchcombe’s Country Show takes place on Sunday 30th August with dog show, classes, stalls, music, the Winchcombe Run and not to forget, the grand procession through Winchcombe. This event is not to be missed so hope to see you there!

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

Vicky Muller

- Editor

Local Magazines Published

by Glos Directories - connecting local businesses with local people

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August 2015

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August 2015

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LOCAL EVENTS LOCAL EVENTS

Tropical Paradise

Tropical Paradise

Victorian Style

Gardening

by Pippa Greenwood

Gardening

by Pippa Greenwood

Home & Interiors

by Katherine Sorrell

Victorian Style

Martin Lewis

Home & Interiors

by Katherine Sorrell

Local News Local Businesses & so much more!

Martin Lewis First Time Buyers

The Millionaire Maker Local Writer Richard Denny

YOUR LOCAL COMMUNITY MAGAZINE www.bishopscleevemagazine.co.uk

ine gaz Ma hly ont rM u o Y

August 2015

This month’s magazine distributed in

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

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

TEWKESBURY YOUR LOCAL COMMUNITY MAGAZINE FREE

August 2015

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What's On in August

What's On in August

Tropical Paradise

Tropical Paradise

Gardening

by Pippa Greenwood

Gardening

by Pippa Greenwood

Victorian Style

Victorian Style

Home & Interiors

by Katherine Sorrell

Local News Local Businesses & so much more!

Martin Lewis First Time Buyers

The Millionaire Maker Local Writer Richard Denny

Finance

Credit Cards for the Stages of your Life

NEWENT MAGAZINE

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Local Writer Richard Denny

Finance

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FOREST OF DEAN YOUR LOCAL COMMUNITY MAGAZINE

August 2015

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Local News Local Businesses & so much more!

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What's On in August

Tropical Paradise Gardening

by Pippa Greenwood

Tropical Paradise

Victorian Style

Gardening

by Pippa Greenwood

Memorials & Monuments Then & Now

Home & Interiors

by Katherine Sorrell

Home & Interiors

by Katherine Sorrell

Victorian Style

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Tips from

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

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

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

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

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

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

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

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

For more detailed information and help join the Denny Business Academy for free. www.dennyacademy.com

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Page 9

Home & Interiors Victorian Style

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

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

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

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

By Katherine Sorrell

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

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

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

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

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

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

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

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

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

Main Image - The Bagsie sofa is a modern version of the classic Victorian Chesterfield. £1,715, Loaf, 0845 468 0698 www.loaf.com

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Page 11

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August 2015

August 2015

GROW Your Business

LOCAL EVENTS LOCAL EVENTS

Tropical Paradise

Gardening

by Pippa Greenwood

Victorian Style

Tropical Paradise Home & Interiors Gardening

by Katherine Sorrell

by Pippa Greenwood

Local News Local Businesses & so much more!

Victorian Style Martin Lewis

Home & Interiors First Time Buyers

by Katherine Sorrell

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Page 13

Tropical Paradise

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

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

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

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

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

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

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

Page 14

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

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

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

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

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

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winchcombe Magazine's Gregg Upwards Gets His Hands On Webb Ellis Cup With the countdown to the 2015 Rugby World Cup underway, the prestigious Webb Ellis Cup has been doing the rounds across the UK ahead of the competition which starts mid-September.

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

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

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

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

Please mention Winchcombe Magazine when responding to advertisers

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To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

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Page 17

has bravely presented Breakfast on Christmas Day and Boxing Day.

Presenter & Programme Tom Roles joined Radio Changes Tom Lowe Tom joined Radio Winchcombe several months ago presenting a programme on Wednesday nights, but has now reluctantly had to finish his programme desire to syndicate it to other radio stations Unfortunately this would have been in breach of our licence conditions as it would no longer have been a programme originating at Radio Winchcombe.

I would like to thank Tom for the excellent programmes he did produce whilst with us and hope that he is able to return with a specific programme at a later date.

Tom Roles Stepping into Tom Lowe’s shoes is another Tom who has taken over the slot on Wednesday nights 10pm-midnight. He will also provide some holiday cover for other presenters during the summer, and for the last two Christmases Tom

Winchcombe for its second ever broadcast back in October 2005, having been the sole presenter of 'Tom's Bedroom Radio' since the age of 4. In January 2012 he became Programme Manager for the launch of Radio Winchcombe's full time service, before leaving to read English at the University of Oxford. Since then he's been Station Manager of Oxide Radio, the University of Oxford's student-run radio station, and is now a freelance reporter and producer for BBC Radio Gloucestershire.

Dave “Woody” Woods

I also have to report, sadly, that Dave Woods and Jan have finished their Monday Hometime programme with immediate effect due to personal commitments. Dave has also been a keen supporter of some of our outside broadcasts, mostnotably during the recent Page 18

Winchcombe Festival Of Music & Arts. It is hoped that he will still be able to support some of our OB’s when time allows. In the meantime my thanks go to Dave and Jan for their excellent programme over the last year and best wishes for the future.

Ben Jones Meanwhile welcome back to Ben Jones for the summer season who has started presenting a programme on Monday afternoons 3-4pm. Ben’s programme might well now be extended as a result of Dave Woods finishing.

Fundraising - Fashion Show

On 19th June the Radio Winchcombe Fashion Show was run at Abbey Fields Community Centre, Winchcombe, organised by Jo Rees (along with a team consisting of Mary Vincent-Coulter, Bev Harrell, Judy Crombie and Veronica Gapper), in conjunction with Jean Ford from “Just In” who provided the fashion items plus numerous glamorous local ladies walking the catwalk!

It was an excellent night enjoyed by all which raised just over £300 for the station – a terrific result! Many thanks to Jo and the

To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

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Advertising One of the outcomes of the March public meeting was the formation of a team to manage our advertising, consisting of Mandy Clements-Hunt, Jo Rees, Bev Harrell and Ros Martin. In the ensuing 3 months they’ve done a truly impressive job in renewing contracts with existing advertisers and attracting 5 new advertisers.

Businesses can advertise daily for as little as £10/month - we will help produce the advert with or for you. Contact advertising@ radiowinchcombe.co.uk for details.

Radio Winchcombe is your station so LISTEN IN AND GET INVOLVED! You can listen to your community station anywhere, anytime via: 107.1 FM, our Free App for Android and iPhone or online at www.radiowinchcombe.co.uk Email: studio@radiowinchcombe.co.uk Telephone: 01242 609571 Twitter: @radiowinch Facebook: RadioWinchcombe Station Manager: Nick Mundy Email: office1@ radiowinchcombe.co.uk Telephone: 07768 777262

Midnight 1am 2am 3am 4am 5am 6am 7am 8am 9am 10am 11am 12 noon 1pm 2pm 3pm 4pm 5pm 6pm 7pm 8pm 9pm 10pm 11pm

team and to Jean for such a success!

If you have an idea for a fund-raising event please get in touch with me at office1@ radiowinchcombe.co.uk, as we aim to raise around £1000 per year through fundraising to help us become financially self-sufficient.

Page 19

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To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

MARTIN LEWIS First Time Buyers

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

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

Here’s what you need to know…

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

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

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

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

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

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

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

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

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

CONTINUED FROM PREVIOUS PAGE - MARTIN LEWIS

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

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

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

Just go for the best available.

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

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

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

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

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

Word Ladder

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

B L U E

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

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

©Puzzlepress.co.uk

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

P I N K

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Page 23

Sudoku Time

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

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

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

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

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

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

Page 24

To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

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

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

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

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

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

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

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

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

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

A licensed bar and food will be available.

On the following

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

An action packed family weekend for all!

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Page 25

Pulling Together In difficult times, the best thing that we can do is ‘pull together’…

The road works in the town have caused some real headaches for our local businesses, but every cloud has a silver lining, and there is a real desire to put Winchcombe back on the map, as it is very much open for business!

Looking ahead, we are working together to look at ways of promoting the town, through positive PR and positive social media… BUT we need everyone to do their bit!

Whether you live in the town, in the surrounding villages or visit as a ‘tourist’ we can all act as ambassadors for our beloved market town, and we can encourage everyone to ‘buy local’ and support our local shops, as well as our fantastic wine bars, pubs and restaurants – Winchcombe has it all!

good for the heart too!

We also hope that all the people that have recently moved in, love their ‘welcome to Winchcombe’ bag and that they will enjoy the offers contained therein, and come and say hello, this is the most friendly market town I know!

So to summarise, Winchcombe really needs your support, more than ever before, so ‘think local’ and ‘buy local’ and help us to ‘pull together’. Open invite to you to come along and try one of our networking sessions, you don’t need a member in the first instance...just give it a try!

- by Claire Thayers

Dates for your diary: Business for Brunch 20th August, 17th September Women in Business 2nd September Breakfast Club 12th August, 26th August, 9th September And if you would like more information about the retailers group, email Angela at The Emporium: Angela@emporiumgiftshop.co.uk For more information visit www.winchcombe.co.uk

It is reputed that for every £1 spent, 83p goes back into the local economy, as reported by the Federation of Small businesses, so why spend your money anywhere else?

If you love the eclectic mix of shops that we have, support Winchcombe and save the planet too by keeping the car parked in the garage…and if you live a little further out, a brisk walk is

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Page 30

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

To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

Golden Years Memories of 50 Years Ago by Ted Bruning

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

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

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

Abandoning teaching for politics, he was elected to Congress in

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

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

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

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

name “Bloody Sunday”.

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

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

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

Happy 50tH BirtHdays to Sam Mendez (1st), Cheryl Fergison (Eas (27th),

Please mention Winchcombe Magazine when responding to advertisers

& Shania Twain (28th).

Cake and botox to you all!

Page 31

Summer In Tewkesbury

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

Ladies Night

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

Ladies Night Fri 7 Aug 7pm

Sun 2 Aug 3pm

Victoria Gardens

The Watson Hall

Twelfth Night Minions U Tues 11 Aug 7pm

From Fri 14 Aug

The Wind In The Willows

Tues 11 Aug 2.30pm The Watson Hall

The Selfish Giant

Victoria Gardens

The Urban Folk Quartet

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

The Watson Hall

The Watson Hall

The Watson Hall

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

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

Box Office: 01684 295074 • www.rosestheatre.org

Location: Near Tewkesbury

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

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Please mention Winchcombe Magazine when responding to advertisers

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Page 33

Find Out What The Federation Of Small Businesses Can Do For You And Your Business Chris Sweet hosts the “Forum Fortnightly” on Radio Winchcombe, a show which highlights business issues in the area. Last month Chris talked to two key Managers from the Federation of Small Businesses: Mark Whittle, Gloucestershire Membership Adviser and Sam Holliday, Development Manager for Gloucestershire and the West of England.

Mark, why should people join the Federation?

Many people dream of starting their own business and while being selfemployed can be a place of great satisfaction and enjoyment, it can at times also be a very lonely place and, if things go wrong, a very costly place.

Within the organisation there is a whole wealth of experience and knowledge and our members know that there is help on the other end of the phone if they need it.

Tell us more about the membership.

Mark: We build our membership by offering quite a large package of benefits to help self-employed people and small businesses. In many cases the savings can actually cover the whole cost of the membership.

Perhaps you can kindly highlight some of the benefits of joining?

Sam: There are many benefits; the first benefit is that members have access to our legal team. Made up of around 50 solicitors and barristers, who are on call 24 hours a day, 365 days a year.

When people join the FSB, they sign up as an individual, not as a business. This means that if a member has a problem, business related or personal, they can get advice from the team. We give advice on matrimony, divorce, childcare, noisy neighbours as well as business matters. It’s your team so you can use it as you please.

Page 34

Mark: Our legal team are there not to replace solicitors, but as a backup. Many situations can be sorted by receiving advice over the phone and without the need of occurring legal costs.

Are there further benefits to the membership?

Sam: Yes, lots more. Members, for example, also get a policy that covers them for one million pounds of legal cover. This policy is divided up into chunks of £50,000 and covers members from prosecution from a number of different acts. This policy can be used to a maximum of 20 times a year, which makes it a one million pound policy.

Mark: You are also covered for driving instances or when someone attacks you at work or does criminal damage at your place of work.

If you or any of your staff get called up for Jury Service, we will pay you, the member, £100 per day up to a maximum of 10 days. It’s not a fortune but does help to cover the costs of either being away from work or the loss of a member of staff.

As a right of membership you also get FSB Care. Once again this is a telephone advisory service where you can talk to an expert nurse about any health issue in complete privacy. You’re not going to jump the NHS queue, it is there as an advisory service.

Sam, the FSB is reputed to being the voice of small businesses – who is that voice addressed to?

Anybody that we can get to listen! The FSB started 40 years ago and this is our Ruby anniversary year as a respected and influential lobbying organisation.

We offer a vast majority of benefits which is why people join us. We have offices at in Westminster, in Wales, in Scotland, in Northern Ireland and throughout England where our members and those of us who support them listen to the concerns of small businesses and

raise them when we meet MP's, council officials, the media and every other stakeholder who has an impact on businesses. Our role is to ensure that when any decisions are agreed upon that affect the lives of small business owners that we have a say in that.

From your point of view Mark, do you find that people are generally receptive to the FSB’s message?

Yes indeed – and increasingly so. We held a special policy day conference last year for example and for the first time in our history it was addressed by the sitting Prime Minister who also happened to bring along the Chancellor of the Exchequer. At our National AGM in March we are also addressed again by Mr Osborne as well as Mr Miliband, who was the leader of the Labour party and we meet senior cabinet officials and politicians of every party whenever we can.

As an example, when the floods happened in 2007 it was the FSB the Government turned to get a snapshot of how businesses were coping with the situation. They contacted us and within a couple of hours we were able to provide them with a report about Tewkesbury for instance which was discussed at number 10 that same day. We have very good relationships nationally with politicians - and equally good ones locally as well.

You mention Tewkesbury there – can you explain a little bit about the way the FSB operates locally?

The FSB runs on a regional basis and each region is divided into branches.

Our region is called Gloucestershire and the West of England which incorporates five Gloucestershire branches as well as ones in Bristol, South Gloucestershire and Bath. The five Gloucestershire branches are the Cotswolds, Gloucester, Cheltenham, the Forest of Dean and Tewksbury

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and each of them is run by a small, dedicated and enthusiastic group of volunteers who form a local committee.

And how do those committees operate?

The beauty of the FSB is that although we do have certain rules, guidelines and procedures, each branch runs itself and decides what they want to do completely autonomously.

Some of the branches concentrate more on arranging social events for local business people, others like to do business seminars and others prefer to arrange networking events.

It is entirely down to the branches themselves and the people who sit on their committees.

You have mentioned lobbying what issues do the branches or the FSB generally take on?

We are obviously there to react to local events so if something big happens locally we may well look to lobby on that.

got to know Gloucestershire better now I can see that what makes people come to our towns, cities and villages to shop is not just the big brand names that we all know but the small independent shops that give a place its character.

The danger is that we are losing too many of these and we could end up with identikit town centres which means you could be anywhere. That's why we actively support and promote the Keep Trade Local campaign which is designed to remind shoppers why it is so vital that they support the local independent shops and help preserve the local high street.

Mark Whittle and Sam Holliday

Sam Holliday, FSB Development Manager for We know it isn't easy Gloucestershire and the West of England. and that with the rise of Internet shopping and the We are for example currently a membership; we are not in it for increasing size of the big international supporting the bid to find a solution to brand names many small shops are financial gain. the A417 traffic problems which affect being squeezed out but we really businesses in Gloucestershire and we believe we should try and fight back as Who can join the Federation? also recently met Seven Trent to talk much as we can.

Anyone who is a business owner, a about the problems created by the company Chairman or company director Mark, you mentioned earlier some of roadworks for small businesses in the can apply to join. People can also join the important benefits. So what is the centre of Cheltenham. as an Associate member as long as the cost of joining?

Beyond that, however, there are business has at least one full member. various themes that we discuss when we Joining fees are based on the amount So by joining, members get their of PAYE employees you have, starting meet MPs and other stakeholders such with the self-employed that has no staff. own personal team of solicitors as business rates, faster broadband, on call 24 /7, guaranteed cutting back red tape for businesses, So with no staff the joining fee is £150 improving the chances of small per year, which is £2.80 per week. employment advice, access to businesses winning contracts from the 1-4 staff, £200 per year - £3.84 per over 600 legal online documents, council and dealing with the issue of week and so on. The first year’s fees tax investigation advice, late payment which is something that is include a one-off £30 registration fee. representation by Tax Specialists, a real problem for small businesses.

This means that all following years the a one million pound Legal Policy, annual fees will drop by £30, making it We also actively campaign on behalf even cheaper.

Jury Service payment, FSB Care, of small businesses to try and protect and preserve the presence of small plus a whole host of financial Let’s say that you join the Federation independent shops on the high streets. with no staff and that after joining you benefits - yes and all this for employ 2 people. The following year on roughly the cost of a coffee or Tell us a bit about that High Street renewal, in theory you are in the next glass of wine per week! campaign… fee bracket so should pay more. But that is not the case with us. The bracket Sam: The FSB has long been running you are in when you join us, you stay in For more information visit: a campaign called Keep Trade Local no matter how big your business grows which is our main vehicle to get across www.fsb.org.uk or call after joining. We do this because we our passion for supporting small Mark Whittle on businesses on the high street. I worked in do not want to penalise businesses 07870242820. for trying to grow.

Our aim is to build Bath for a number of years and having Please mention Winchcombe Magazine when responding to advertisers

Page 35

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

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

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

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

48 months

Total amount of credit

£27,159.85

£379.00

Option to purchase fee^

£1.00

£31,447.12

Optional final payment^

£10,747.70

£2,999.00

Total amount payable

£32,848.97

£1,288.27

Rate of interest

1.9% Fixed

£4,287.27

Representative

1.9% APR

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

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

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

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

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

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

Page 36

To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

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

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

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

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

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

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

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

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

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

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

By Wayne Gorrett

Mobile Vehicle Services and Diagnostics Call Jonathan Taylor MIMI AAE LCG

tel 01242 675650 mob 07850 686847 J.T. Vehicle Services 12 Orchard Road Bishops Cleeve Cheltenham GL52 8LX

Please mention Winchcombe Magazine when responding to advertisers

Page 37

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

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

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

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

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

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

1 2 3 4 5 6 7 8 9 10

Page 38

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

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

To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

Finance Credit Cards for the Stages of your Life

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

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

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

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

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

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

Young famiLY rewards cards

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

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

Cash back cards

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

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

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

retireeS

A reduced income in retirement

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

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

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

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

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

Please mention Winchcombe Magazine when responding to advertisers

Page 39

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

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

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

Puzzle & Crossword Solutions

2 words

Mini Cryptic Solution

3 Letters eel elm hem het lee let met tee

CO TACK TACK ME

the 4 Letters heel helm meet melt mete meth teem

tele thee them 5 Letters theme 6 Letters HELMET

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

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

3. Income Tax

Codeword 11

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9

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Page 40

To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

What's On in August Cheltenham Dance Festival

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

For more information and prices visit: www.cheltenhamtownhall. org.uk/whats-on/festivals/ dance-festival Adventure Mondays Monday 3, 10, 17 and 24 August, Sudeley Castle & Gardens, Winchcombe, GL54 5JD

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

Teddy Bear Tuesdays

Tuesday 4, 11, 18 & 25 August, Gloucestershire Warwickshire Railway, The Railway Station, Toddington, GL54 5DT

Teddy Bear Tuesdays at the Gloucestershire Warwickshire Railway are back, so pack a picnic, grab your favourite teddy bear (don’t forget to label it) and get on board at Toddington, Winchcombe or Cheltenham Racecourse.

No need to book in advance.

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

Winchcombe Folk Night First Tuesday of the month, 8pm -10.45 pm, The White Hart Inn, High Street, Winchcombe, GL54 5LJ Open Mic Night: a mixture of regular contributors performing traditional and contemporary songs as well as newcomers. Come along from some great music and atmosphere.

Admission: free (voluntary charity contribution). For more information call: 01242 602236.

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

Sudeley Castle is offering lots of fun activities for children this summer holiday - so don't miss out! There will be history shows, storytelling, Punch & Judy shows, magic shows, a bouncy castle, a creative learning centre, dance classes, outdoor games and arts & crafts. For more information visit the event secion on www.sudeleycastle.co.uk 2nd Summer Ale & Steam Weekend Saturday 8 & Sunday 9 August, 10.30am - 7pm on Sat & 10.30am - 5pm on Sun, Winchcombe & Toddington Stations 32 Beers, soft drinks and hot & cold food. Camping near the station in Winchcombe. Come by train: first train leaves Cheltenham Racecourse at 10.55am, last return is at 7pm on Sat and 5pm on Sun. For full timetable see: www.gwsr. com To get in, you will either need a train or a platform ticket. Plenty of car parking at Toddington.

Café Church Sunday 9 August, 6-7pm St. Michael and All Angels Church A totally informal service lasting about 1 hour aimed at those in the Community aged between 16 and 25 to meet for fellowship and food The Cheltenham Real Ale Festival Friday 14 & Saturday 15 August, from 12pm, Cheltenham Town Hall 100+ Real Ales and Ciders in a calm and relaxed atmosphere during the daytime, live music and entertainment

in the evenings. Admission: £6 (includes a festival glass). Tickets are available on the door.

Cheltenham Horticultural Society Summer Show Sunday 16 August, from 12pm Pittville Pump Room

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

Children go free.

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

Admission: £2.

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

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

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

featuring over one hundred exquisite classic motorcycles, stunningly engineered custom

Please mention Winchcombe Magazine when responding to advertisers

events cont'd onPage p40...41

...events cont'd from p39 bikes and rare race specials.

For more information email Lorne Cheetham: lorne@rwrw. co.uk or call 07758 368 072. www.TheCustomShow.com www.FestivalOfBikes.com

Winchcombe Country Show Bank Holiday Monday 31 August, 12 Noon to 5.30pm, Winchcombe Senior School, Greet Road, GL54 5LB Procession at 11.30am. Show starts at 12 noon: Flower show, wood carving demonstrations by the Tree Pirate Chain Saw Demonstration Team, fun activities and classes for the whole family, food and drink, stalls, live music and much more!

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

LOCAL CLUBS & CLASSES

Charity Music Night Saturday 29 August, 5pm, Show Marquee, Winchcombe Senior School, Greet Road, GL54 5LB Live music including folk, rock and blues. Admission: £5, under 14s free.

Run Winchcombe Sunday 30 August, Sudeley

Castle & Gardens, Winchcombe, GL54 5JD

10am: 1k run for children aged 10 and under. 10.30am: Sudeley 5k Fun Run and Winchcombe 10k Hill Climb. Routes are mainly off road.

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

Licensed bar available. For more information on the event visit: www.sandfordparkslido.org.uk Page 42

Alderton Acorns Preschool Group Alderton Village Hall, Dibden Lane, Alderton, GL20 8NT We pride ourselves on our friendly welcome to mother, toddler and baby groups helping children to be happy in a safe enviornment.

For more information contact: 07843 161159.

Brownies (7-10 years) Through regular meetings, special events, day trips, sleepovers, camps and holidays, Brownies learn new hobbies, play music, explore other cultures and get adventurous outdoors. Girls can also extend their knowledge and abilities by working towards Brownie interest badges covering many different hobbies and activities. We are a registered charity and operate under The Guide Association. For more information contact Jacqui Dent on 01242 890505.

Guided Walks of Historic Winchcombe Every Sunday, 11am and 2.30pm Tourist Information Centre Free Town Walks for anyone who is interested in the fascinating history of Winchcombe – from ancient Saxon Borough to WW2 and beyond. The walks are short and easy and designed to be accessible to all (less than a mile).

Duration: 1–1¼ hours. The walks are led by local people who are keen to share the history of, and

their enthusiasm for, the area.

Places are limited to 10, but larger parties can probably be catered for if pre-booked. For more information come into the Tourist Information Centre in Winchcombe, call 01242 602925 or email: winchwalks@btinternet.com Royal British Legion Winchcombe Branch Meet Mondays, 7.30pm, The Winchcombe Conservative W. M. Club, Abbey Terrace, GL54 5LW The Royal British Legion is the UK‘s leading Armed Forces charity and one of its largest membership organisations.

Members get together through the network of branches and clubs all over the country and overseas to participate in social, fundraising and welfare activities.

Membership is open to everyone.

For dates and more information visit: branches.britishlegion.org.uk/ branches/winchcombe or contact John Welch on 01242 602 233 or 07798 538 864.

Winchcombe Duplicate Bridge Club Meet every Friday from 1.45pmabout 5.30pm, The Community Centre, Langley Close, Winchcombe The table money cost is £2 per person and we serve tea & biscuits for 20p. Any one wishes to join please contact our Chairman Ted Phillips on 01242 620451.

Winchcombe Film Society Fridays

Subscriptions cost £20 per season and entitle the subscriber to attend 10 film screenings free of charge

To advertise call 07939 802 384 or 01242 500 028 or visit www.winchcombemagazine.co.uk

and include complimentary tea/ coffee and biscuits. For further information please email: winchcombefilmsociety@gmail.com

Winchcombe Walkers Last Thursday of each month A relaxed group of people who meet on a casual basis for a walk of 5-8 miles. Our leaders are volunteers and we aim to cover the whole 12 months at our annual get together, usually towards the end of the year.

For more information visit: www. winchcombewelcomeswalkers.com

Winchcombe Probus (Mercia) Wednesday Group Meet fortnightly on Wednesdays The Probus Mercia club for men provides an opportunity for retired or semi-retired people to meet and socialise. For more information please contact John Pearce on 01242 602834.

Winchcombe Gardening Club Wednesdays, 7.30pm, Methodist Church Hall, Winchcombe

Woodmancote Probus Club Tuesdays, 10am – 12Noon Woodmancote New Village Hall Meetings start with refreshments followed by a talk at 10.30am. For more information call 01242 678121.

Happenstance Meet every Thursday evening, 7.30- 9pm, Abbey Primary School Happenstance Border Morris dancing and musicians welcomes both men and women of all ages.

In the summer months we like to dance out. For more information

Music Cleeve Chorale Tuesdays 7.30pm Bishop’s Cleeve Primary Academy

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

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

49

4 47

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41 42

9

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Please mention Winchcombe Magazine when responding to advertisers

32

20

©puzzlepress.co.uk

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.

R

Winchcombe Community Choir Meets every Wednesday during term time, 10am to 12 Noon Cleeve Room, Abbey Fields Community Centre, Back Lane For more information contact Chrissie on 01386 552736 or 07707 675216 or email chrissieleaney@naturalvoice. net or Liz on 01905 620827 or 07850 547916 or email lizhooper@naturalvoice.net

Visitors and new members always welcome. For further information contact Diggory Davies on 01242 609590 or visit www.gfgs.org.uk/ members/winchcombe

Fitness

S

Cleeve Harmony Ladies A Capella Chorus Wednesday evenings, 7.45-10pm, The Tithe Barn, Bishop’s Cleeve Whether you are a Bedroom Beginner, a Shower Songstress or an Experienced Singer, come and join in this brand new chorus. For more information, email Donna at cleeve.md@gmail.com or ring on 07737 280336. You can also find us on Facebook: Cleeve Harmony Chorus.

Gardening

1st Winchcombe Scout Group The Group is home to a Beaver Colony, Cub Pack and Scout Troop with a growing membership of some 60 young people and adult helpers.

For more information contact Jim Maher on 01386 881474.

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Are you interested in having a good sing (no previous experience required)? Then come along to our rehearsal nights. For more information call: 01242 672881.

please contact Cressida Pryor on 01242 604120/ 07791004649.

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Health Why Breast Is Still Best

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

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

• I have flat/ inverted nipples.

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

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

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

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

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

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

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

• Healthier mums: Breastfeeding uses 200-

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

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

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

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