Retirement Today Summer 2021 by Amra Media Solutions

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R E T I R E M E N T

www.retirement-today.co.uk

The magazine for pre and post retirement

FINANCE•LIFESTYLE•TRAVEL•CULTURE•GARDENING•HEALTH•RECIPES

Summer 2021 Issue 107 £2.90

“

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CONTENTS

4 Money and Budgeting

When you cease work, it is important that your money continues to work hard for you, so that you’ve got the financial security and flexibility you need when retired.

WELCOME TO RETIREMENT TODAY MAGAZINE

6 Update

Ditching ageist and ableist stereotypes at work could pay dividends, new report argues; In the past 12 months, 2.3 million men in the UK have had panic attacks as a direct result of money worries; Demand for overseas properties in Europe set to soar as lifting of lockdown prompts viewings surge.

8 Mortar & Pestle

Incredible flavours, inspiring ingredients and simple techniques – learn how to master the mortar and pestle with these delicious recipes.

ds Peter & Small Rylan

Top left Photo ©Andrew Lawson From Shakespeare’s Gardens

10 What’s On

Cheltenham Literature Festival; BBC Gardener’s World Live; Churchill’s War Rooms:The Online Tour; a History of Fashion in 100 objects;

13 What’s On

Alice: Curiouser and Curiouser; Unearthed Photography's Roots; Barbara Hepworth: Art and Life; Days Like These plus The Best of LS Lowry.

Top right: © Hannah Dale from Born to be Wild

Middle right: Photo ©Ryland Peters & Small from Mortar & Pestle

14 Perfect English Style-Patina

Bottom left: Photo ©Ryland Peters & Small from Perfect English Style

There are many ways to ruin the atmosphere and period feel of an old house. Stripping out original windows, replacing old floorboards, etc all add to the things you will have lost that are irreplacable.

16 Health

Bodies do require care and attention if they are to function at their best. Read how to look after your eyes, feet and hearing.

20 Born to be Wild

A glorious celebration of the unique bond between parent and child throughout the natural world from award-winning illustrator Hannah Dale.

• Published by:Amra Media Solutions Ltd Marash House, 2/5 Brook Street, Tring, Herts HP23 5ED

22 Shakespeare’s Gardens

24 Do you really need a will?

• Email: info@amramedia.co.uk • www.retirement-today.co.uk

Charlotte Isherwood from Zedra writes about the importance of leaving a will.

• Designed by: Tom Evans Design

28 Charity News

Bransby Horses face significant challenges; Adopt a rescue horse or donkey; Tidy away garden netting to help keep hedgehogs from injury.

30 Charity News

SSAFA Continues to support the Armed Forces Community during Covid-19; Research Alternatives to Animal Testing.

Andrew Lawson

If you would like to receive free digital copies of Retirement Today magazine, please email info@amramedia.co.uk with code ‘Free RT’

Ryland Peters & Small

All rights reserved. No part of this publication may be reproduced without the prior permission of the publisher. The opinions expressed in this magazine are not necessarily those of the publisher. Although every care is taken to ensure the accuracy of the information and the advertisements contained within the magazine, the publishers cannot accept any liability. Retirement Today would be pleased to receive your articles and photographs for possible publication. Although all reasonable care will be taken the magazine can assume no responsibility and contributors are advised to retain a copy.

Hannah Dale

Now cared for by the Shakespeare Birthplace Trust, read how Shakespeare’s gardens are continually evolving to reflect the ongoing knowledge of his life.

• Telephone: 01442 891608

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Money and R budgeting

Money and budgeting

So, what steps can you take to avoid being strapped for cash once you retire?

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etirement is the reward for a hardworking life – but while you may be ceasing work, you should not allow your money to retire as well. It is important that it continues to work hard for you, so that you’ve got the financial security and flexibility you need. There are many money-related decisions to be made when you retire: get them right, and your income could increase year by year; fail to plan, and you might be faced with making personal cutbacks at a time when you should be relaxing and enjoying yourself. With people living longer, secure pensions from salary-related pension schemes fading fast and new pension freedoms that have reduced the use of annuities, more pensioners are directly exposed to the three great risks of retirement: longevity risk (outliving your savings), inflation risk (the buying power of your money falling over time), and investment risk (being exposed to the ups and downs of the stock market). Inflation means a sustained rise in prices – not just a temporary hike in the cost of coffee or petrol, but the relentless upward drift of prices over time that means your money buys less today than it did in the past. Even low rates of inflation have a big impact on prices over a long period: for example, if inflation averaged 2 per cent a year (the official target for the UK), £100 after 25 years would buy only the same as £61 today, meaning you’d have to cut your spending by over a third. Aviva (an insurance and pensions provider) suggests that over three-quarters of pensioners are worried about the rising cost of living and having to continue working to make ends meet. Obviously one way of increasing the problem is to bury your head in your hands and do nothing. So, what steps can you take to avoid being strapped for cash once you retire? Whether you are close to giving up work or are several years away from retirement, the most important thing to do is carry out a serious review of your retirement plans. This will help you work out what options there are for maximizing and sustaining your future income. There are many ideas on what makes a good financial plan, but the core elements are the same. In order of priority, a typical person should normally aim to:

health check on an annual basis to get a clear view of your current financial position and how it may change in future. For pre-retirement planning, you should get a State Pension statement (which says how much State Pension you are currently entitled to once you reach State Pension age and whether there is any scope to improve this), and check the benefit statements you receive from pension schemes you belong to now and have done in the past. If you don’t have recent statements, contact the employer or pension provider concerned to ask for one. The government is backing an industry initiative to introduce ‘pension dashboards’ – online apps that will let you automatically see all your pensions in one place. Once that’s up and running (maybe in 2021), it will take a lot of the legwork out of

this part of doing a financial health check. But until then, you will have to rather laboriously gather up all these pension statements for yourself. If you’ve lost track of old pensions, there is a free government service, the Pension Tracing Service, gov.uk/find-pensioncontact-details, which can help. (Be aware that commercial firms with a similar name charge.) Factor in any other sources of retirement income, for example, from non-pension savings you have built up, to give you a complete picture of your budget from the income side. Once you’ve done that, work out how much you are likely to need to spend in retirement. Bear in mind that, if your income is high enough, some of it will go in income tax. Be as realistic as you can about your spending – for example, how much you are likely to save once you are not travelling to and from work. Remember to factor in holidays and repayments on any debts you might have. The Good Retirement Guide edited by Jonquil Lowe is ©2021 and reproduced with permission from Kogan Page Ltd

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Money and budgeting

1. Sort out any problem debts. 2. Stay in your workplace pension scheme. (Since your employer must contribute on your behalf, opting out is like turning down part of your pay!) If you are not an employee, save through your own pension plan. 3. Get term life assurance if anyone is financially dependent on you. 4. Build up at least three months’ worth of outgoings in accessible savings, such as a cash Individual Savings Account (ISA) to cover emergencies. 5. Buy a home if you are ready to settle somewhere. 6. Save and invest to achieve other goals. Everyone’s circumstances and resources are different, so you may have a slightly different plan and, if you’re already retired, maintaining a stable income from your pensions will often be your second highest problem after sorting out problem debts. In some situations, you may need to get professional advice to help you. If you have problem debts, you should urgently consult one of the free, independent money advice agencies, such as Citizens Advice, nationaldebtline.co.uk or stepchange.org. These impartial, non-judgemental organizations can efficiently help you deal with your creditors, without stigma, and identify any additional sources of income you may be eligible for. Debt problems get worse if you ignore them, so be honest with yourself that there is a problem. Warning signs include borrowing to buy day-to-day essentials, and taking out new loans to pay off old ones. To ensure you have a comfortable retirement, you will need to carry out a full financial health check. If you are still pre-retirement, this involves looking ahead to your income and likely spending in retirement. If you are already retired, you should be repeating this

New research released by Kyero. com, indicates that interest in overseas property in Europe is set to surge despite the ongoing uncertainty regarding foreign travel, with almost 40% of buyers now actively viewing or planning viewings abroad.

UPDATE In the past 12 months,

2.3 million men in the UK have had panic attacks as a direct result of money worries

The research, which involved over 2,500 overseas buyers, found that Spain remains by far the most popular destination for British overseas home buyers, with 90% of all those polled looking to buy in the country.

Recent research from Yolt, the award-winning smart money app reveals that 2.3 million men in the UK have had panic attacks as a direct result of money worries – equating to nearly 10% of the male population. On top of this, one out of seven (14%) men said they had been unable to sleep due to money worries, and over one in ten (12%) said they ignored their finances because it made them feel anxious or depressed. Pauline van Brakel, Chief Product Officer at Yolt, comments , “Money can often be a source of stress for many and is likely to have been even more so during the pandemic and the economic uncertainty brought with it. These findings around people feeling overwhelmed by money worries are concerning. If you are struggling with your mental health, there are lots of additional resources available to help which you can access online, and I would urge you to find the one that’s right for you. “When it comes to money management there are a few small changes you can make to feel more positive about it and my five top tips are below.” Top Tips for Money Management 1. Talking to friends or family about money is often more helpful than we might think. 2. Set a finite budget and stick to it. Track your spending to make sure that you don’t exceed this limit. 3. Spend smart by shopping around for the best deals, and keep an eye out for money saving offers wherever possible 4. Try to keep your savings and spending money separate from each other. This will ensure you don’t unintentionally dip into your savings, and also allows you to see the progress you are making in reaching your savings goals. 5. Always remember, that any saving, no matter how big or small, is a positive step and something you should feel proud of and celebrate.

50% are looking to make the move overseas within the next three months to a year, and a further fifth (19%) stated that they wish to move ‘as soon as possible’.

Demand for overseas properties in Europe set to soar as lifting of lockdown prompts viewings surge

Ditching ageist and ableist stereotypes at work could pay dividends, new report argues A recent report launched by the International Longevity Centre UK (ILC) highlights how pervasive ageism and ableism in the workplace are still locking far too many people out of work as they age, costing not only individuals but employers and the economy. ILC, the UK’s specialist think tank on the impact of longevity on society, argues that employers need to urgently tackle ageism at work, ensure better access to training and support employees’ health to remain competitive in the post-pandemic recovery. Interviews analysed as part of the research reveal that employers and older workers often see training and professional development as more relevant for younger people. Despite formally embracing equality, managers still commonly speak in ageist and ableist terms about older workers being less motivated or less able to undertake training and professional development.

Update 6

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Martin Dell, Founder of Kyero.com says: “Now that lockdown is lifting and overseas travel for reasons relating to property is becoming possible, we’re seeing a tsunami of pent-up plans being put into action. 52% more people searched online for homes in Europe in the first three months of 2021 compared to the previous quarter, and now that people can start turning those dreams into reality, we’re expecting to see a lot of transactions take place in 2021.

And these age norms are often also internalised by older workers themselves, with many saying they are “too old” for training and/or promotion and that they should leave that “to the younger ones”. Similarly, the research highlights that internalised ageism and ableism prevents some employees from seeking health support, which may worsen conditions and lead to early retirement. Previous research by ILC has highlighted that in the UK, about a million people aged between 50 and 64 are forced out of the workforce early as a result of health or care needs or caring for a loved one. COVID-19 has further exacerbated these trends. While employment participation of older workers had been continually growing pre-pandemic, trends have reversed as the oldest and youngest workers have been hardest hit by the economic fallout caused by the pandemic.

BHF-funded researcher Dr Joseph Boyle is studying how to protect blood vessels from damage that could lead to a heart attack.

Imagine the progress

we could make with

a gift in your Will. Gifts left to the British Heart Foundation (BHF) have helped researchers to restart hearts, fix arteries in newborn babies, prove statins could protect millions, and give people hearts they weren’t born with. You have the power to help make more breakthroughs possible – by remembering the BHF in your Will. Heart and circulatory diseases still kill one in four of us in the UK. That’s why we’re

aiming to fund £100m of life saving research into these conditions every year. We simply can’t do that without gifts in Wills, because they make over half of all our research possible – so you can be sure that, if you leave a gift, we’ll make every pound count.

A gift in your Will could beat heartbreak forever. We call it Will Power.

Find out more: search online for ‘BHF Gifts in Wills’ © British Heart Foundation 2021 registered charity in England and Wales (225971) and Scotland (SC039426) 21LA01

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Mortar & Pestle

n credible flavours, inspiring ingredients and simple techniques – learn how to master the mortar and pestle with these delicious recipes

Mortar & Pestle published by Ryland Peters & Small (£9.99) Photography © Ryland Peters & Small

HOT & SOUR FISH SOUP This soup from Laos combines sweet, sour, and salty all in one colourful bowl, and as you simmer the stock, it becomes increasingly fragrant. If you want to turn up the heat, add a few dashes of sriracha sauce. 200 g cellophane noodles 6 kaffir lime leaves, torn  1 large red chilli, roughly chopped  1-inch/2.5-cm piece of fresh ginger, peeled and chopped  1 lemon grass stalk, trimmed and roughly chopped  2 garlic cloves 2 1.5 litres chicken stock  2 shallots, finely chopped  500 g fish steaks or fillets, such as striped bass or bream  50 g spinach, torn  4 tablespoons roasted sun-blush tomatoes, chopped  freshly squeezed juice of 1 lime  2 tablespoons fish sauce  a few dashes of sriracha (optional) a bunch of fresh coriander, roughly chopped

GARLIC CHILI SHRIMP This is such an easy yet showstopping dish to serve for a casual supper—just set the large cast-iron pan in the middle of the table and eat the juicy shrimp/ prawns with your hands, mopping up the juices with crusty rustic bread. You can use any type of shrimp/prawn that has the head and shell intact; simply increase the cooking time slightly for larger ones. 900 g shrimp/prawns, heads on 1 whole head of garlic  1 tablespoon hot chilli flakes  60 ml olive oil

Mortar & Pestle

2 tablespoons fresh oregano leaves

sea salt and cracked black pepper good crusty bread, to serve

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SERVES 4–6 Place the shrimp/prawns in a large bowl and set aside. Break the garlic head into cloves, peel, and place in the mortar along with the hot chilli flakes and olive oil. Crush with the pestle until the garlic is broken into small chunks. Pour the garlic mixture over the shrimp/prawns and sprinkle with the oregano leaves. Season with salt and pepper and toss to combine. Set aside for 5 minutes. Heat the grill/barbecue to medium–high. Place a large cast-iron pan on the grill and heat until just smoking. Place the shrimp/prawns and all the juices in the hot pan and cook for 6–8 minutes, turning every few minutes until they are cooked through. Cook a little longer if the shrimp/prawns are larger. Serve alongside a basket of crusty bread.

SERVES 4 Soak the noodles in a bowl of hot water for 10 minutes until softened. Drain well, shake dry, and set aside. Put the lime leaves, chilli, ginger, lemon grass, and garlic in a mortar and pestle and pound together until fragrant—it should still be quite bitty. Transfer this paste to a saucepan set over a medium heat and pour over the stock. Bring to the boil, then simmer gently for 20 minutes until really aromatic. Add the shallots to the pan and simmer for 5 minutes, then carefully add the fish fillets to the pan and cook gently for 4–5 minutes until cooked through. Remove the pan from the heat and stir in the spinach, sun- blush tomatoes, lime juice, fish sauce, sriracha, if using, and coriander. Cover with a lid and set aside for 5 minutes to allow the flavors to develop. Divide the noodles between bowls and carefully spoon the fish on top. Pour over the soup and serve at once.

PASTA WITH SARDINES This is a classic Sicilian pasta dish, but you’ll find many recipe variations. This version includes fennel, anchovies, and raisins, and definitely falls into the category of comfort food. 350 g dried spaghetti fennel fronds, to garnish  2 tablespoons extra virgin olive oil, not too strong PANGRATTATO 1 garlic clove, finely chopped  1 tablespoon olive oil  150 g open-textured, crustless sourdough-type bread, blitzed into breadcumbs  sea salt and freshly ground black pepper SAUCE

SPICE-CRUSTED SEA BASS WITH MANGO SALSA

1 tablespoon coriander seeds  1 tablespoon cumin seeds  2 teaspoons caraway seeds  1⁄2 teaspoon sweet/smoked paprika 1 egg white 180-g sea bass fillets sea salt and freshly ground black pepper MANGO SALSA 1 mango, not too ripe or soft  1⁄2 a red onion, about 35 g, very finely chopped  1 fresh red chilli, deseeded and very finely chopped  zest of 1 lime, freshly squeezed juice of 1⁄2, and 4 wedges to serve  a small handful of fresh mint leaves, chopped

SERVES 4

Preheat the oven to 350°F (180°C) Gas 4. To make the pangrattato, pound the garlic with the olive oil, salt, and pepper in a mortar and pestle. Stir in the breadcrumbs, then tip the mixture onto a parchment-lined baking sheet. Bake in the preheated oven for approximately 6 minutes, stirring occasionally, until golden. Allow to cool, then pound until fine using a mortar and pestle. To make the sauce, heat the olive oil in a large frying pan, add the pine nuts, and stir until golden. Add the garlic, fennel, and onion and cook until tender. Add the wine, sardines, anchovies, and raisins and simmer for 8 minutes on a low heat. Cook the spaghetti in rolling boiling salted water and drain, reserving a little of the water to slacken the sardine sauce. Mix the pasta and sardines together, and scatter generously with the breadcrumbs and fennel fronds. Drizzle with the olive oil and serve immediately.

Using a mortar and pestle, roughly pound the coriander, cumin, and caraway seeds with 1⁄2 teaspoon sea salt and 1⁄2 teaspoon black pepper. When roughly ground with little bits of whole seeds remaining, add in the smoked paprika and combine. Whisk the egg white in a wide flat bowl. Coat the sea bass fillets one at a time with the egg white, then evenly sprinkle the ground spice mix over both sides of the fish. To make the salsa, peel the mango, remove the stone, and dice the flesh. Place in a bowl and combine with the red onion, chilli, lime zest and juice, and mint. Season to taste with a little sea salt and pepper. Pour 2 teaspoons olive oil into a wide frying pan over a high heat, and when hot, fry the sea bass for 2–3 minutes on both sides. If you can’t fit all of them in at once, fry in batches, as you don’t want to overcrowd the pan. Plate up the sea bass fillets with the mango salsa spooned over the center. Serve immediately with a wedge of lime.

Mortar & Pestle

This is a very quick dish to make, but really full of flavor due to the spice crust and fresh mango salsa. Feel free to use whatever spices you have to hand— fennel seeds and mustard seeds also work particularly well with the sea bass.

1 tablespoon olive oil  50 g pine nuts  1 garlic clove, finely chopped  1 large fennel bulb (reserve the fronds), finely sliced  1 onion, chopped  100 ml dry white wine 6 butterflied sardines, pin boned  6 anchovies in oil  50 g dark raisins

SERVES 4

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Out&About

BBC Gardeners’ World Live NEC, Birmingham 26-29 August

BBC Gardeners' World Live 'Special Edition' will take place as an outdoor event from Thursday 26 to Sunday 29 August 2021. Social distancing and safety measures will be in place and there will be a limited overall number of visitors. The Special Edition will feature the most-loved outside features of BBC Gardeners' World Live including Show Gardens with inspirational designs and outdoor living and planting ideas. There will be plants to buy, gardening advice from experts, along with BBC Good Food Market where you can sample and shop from a wide range of producers selling artisan and seasonal food and drink. There is live entertainment, plus special guests including Monty Don (Fri/Sat) and Adam Frost (Thu). Tickets cost just £20. Book now and enjoy a wonderful day out. www.bbcgardenersworldlive.com

A History of Fashion in 100 Objects Fashion Museum, Bath

Woven silk shoe, with gold leather trim and diamante clip Hellstern and Sons, Paris, worn by Lady Ward, 1930s

June - on-going

A major display celebrating fashion from the 1600s to the present day is on show at the Fashion Museum in Bath, showcasing 100 star objects drawn from the Museum’s world-class collection. These displays give visitors an instant insight into the era-defining outfits and headline pieces that have shaped or wardrobes over the past 400 years. From graceful robes and embroidered, tailored coats for men, along with Regency fashion from the time of Jane Austen and dresses by the big names of fashion history, together with Georgian silk shoes. www.fashionmuseum.co.uk

Churchill’s War Rooms: The Online Tour 7th July and 5 August

Cheltenham Literature Festival

Out & About

8 - 17 October 2021

The world's oldest literature festival returns this autumn, when it will bring literary revelry to the heart of regency Cheltenham. Following last year's FutureBook award-winning hybrid Festival, the 2021 instalment is set to welcome live audiences to all its venues, with highlights curated for the CheltLitPlayer and a 'Today at Cheltenham' daily broadcast. The theme - Read the World - will draw on the Festival's international connections as well as digital technology to showcase the best new voices in fiction and poetry alongside literary greats and high-profile speakers and thinkers from around the world. The Guest Curators will lend their voices, insight and expertise to the programming team led by Nicola Tuxworth, who said: 'Cheltenham wouldn't be Cheltenham without our Guest Curators, they are key to keeping our programme fresh and original each year. We are honoured and delighted to welcome this extraordinarily talented group to work with us - giving generously of their time and their creativity and lending their unique perspectives and insights to the programming process.' For details of curators and further information about the event visit www.cheltenhamfestivals.com RETIREMENT

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Churchill War Rooms houses the underground nerve centre where the British government directed the Second World War and its from here that Winston Churchill took the UK from what he described as its darkest hour to helping secure allied victory in Europe in 1945. Now, for the first time, you can experience the power of the War Rooms virtually as their expert guide takes you under the streets of Westminster to explore this remarkable historical landmark and the secrets it keeps. The tour starts at 6pm and lasts approx. 60 minutes plus 30 minutes of Questions and Answers. Please book by 10pm on day before the tour Online tours can also be booked on request for private groups of up to 30 people. To find out how to book and for more information on pricing, please email IWMPrivateTours@iwm.org.uk with your preferred date. For further information www.iwm.org.uk

Advertorial

Say Yes!

to a retirement village like no other.

one are the days when getting older was about compromise and slowing down. When you choose luxury retirement living at Santhem Residences, you’re not just choosing a community of neighbours and friends with a shared desire to live well, you’re unlocking a life with more to enjoy and less to worry about. The first of its kind in Essex, Santhem is more than a collection of properties, or a warden-controlled community. And it’s far from a traditional “care home”. Instead, every element has been designed to give you the spontaneity, choice and independence you crave, perfectly balanced with all the support, personal care and community you could ever need. From our stunning grounds up to our penthouse rooftop terraces, you’ll find only the highest quality materials and brands, carefully selected by specialists to ensure casual luxury and your total wellbeing, comfort and independence. The communal areas, like the private dining room, restaurant and peaceful lounge, are of a standard you’d expect to see in a 5* hotel, and we encourage residents to see them as an extension of their own apartments. Even the gardens are designed to enhance the lifestyle of everyone that lives here. Whether you use them as a relaxing personal sanctuary, or a garden party venue, it’s up to you. What else? With no shortage of amenities on site and the freedom to venture out whenever you please, you can enjoy every moment of your retirement at your own pace. All life’s little luxuries are within easy reach – practically on your doorstep – like a wellness suite, with its own hair salon, relaxation lounge, sauna, steam room and occupational therapy room, plus a coffee lounge, onsite bar, library and cinema. So whatever you like doing, you won’t have to travel far for the pleasure. That said, if you do decide to venture out for an afternoon, or jet off for a month, you can do so with

total peace of mind, knowing everything will be safe and sound. Because we’ve ensured our village is only accessible to those who are welcome and invited, with key-fob entry and CCTV to the Santhem team on site 24/7. Support is never far away when you’re at home either, with a call system in your apartment answered by a 24/7 inhouse response team. And should you ever find yourself wanting an extra hand now and then, the 24/7 concierge can book on-site services for you, such as housekeeping, maintenance or care, as often as you like. That’s the best thing about becoming a Santhem homeowner – you can enjoy life to the fullest

right now, and welcome whatever the future holds with confidence. Because, as we like to say, you’re not just buying a place to live, you’re buying into a whole new way of life. Visit www.santhemresidences.co.uk or call to book a private viewing and Say Yes! to exceptional retirement living today. A warm welcome awaits! Phone: 01277 561 683 Opening 2021.

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10 Mayes Drive, Willow Park, Nottinghamshire | For Sale £265,000 Stately-Albion Wentwood 48’ x 22’ This impressive home is set in a tranquil location with picturesque views overlooking the lake, so you’ll be sure to enjoy a relaxed retirement. With stunning finishes, the Wentwood offers two double bedrooms, spacious lounge diner, kitchen and utility with integrated appliances, study, bathroom, ensuite shower and walk-in wardrobe. Outside are gardens surrounding the property with a large decking and private gravel driveway for two cars.

For more information please contact:

info@killarneyhomes.co.uk | 0845 340 2861 | www.killarneyhomes.co.uk Killarney Homes, Moor Farm, Moor Lane, Calverton, Nottinghamshire NG14 6FZ

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Out&About Barbara Hepworth: ART AND LIFE

The Hepworth, Wakefield On now until 31 October

To mark The Hepworth Wakefield’s 10th anniversary, the Yorkshirebased gallery is organising the most expansive exhibition of Barbara Hepworth’s work in the UK since the artist’s death in 1975. The exhibition will present an in-depth view of the artist’s life, interests, work and legacy, displaying some of Hepworth’s most celebrated sculptures including the modern abstract carving that launched her career in the 1920s and 1930s, her iconic strung sculptures of the 1940s and 1950s, and large-scale bronze and carved sculptures from later in her career. www.hepworthwakefield.org

V & A Museum, the Sainsbury Gallery, London On now until 31 December

Salvador Dali, A Mad Tea Party, 1969, © Salvador Dali, Fundació Gala-Salvador Dalí, DACS 2019. Dallas Museum of Art, gift of Lynne B. and Roy G. Sheldon, 1999

Celebrating one of the most iconic, imaginative and inspiring stories of all time. Offering an immersive and fantastical journey down the rabbit hole, the V&A invites visitors to delve into the origins, adaptions and reinventions of Alice in Wonderland over 158 years, charting the book’s evolution from manuscript to a global phenomenon beloved by all ages. Explore over 300 objects, across five Alice-inspired worlds arranging thematically – spanning film, performance, fashion, art, music and photography. The V&A is the first museum to fully explore the cultural impact of Alice in Wonderland and its ongoing inspiration for leading creatives, from Salvador Dali and Yayoi Kusama, to The Beatles, Vivienne Westwood and Little Simz. For further information visit www.vam.ac.uk

DAYS LIKE THESE PLUS THE BEST OF LS LOWRY Lowry Galleries, Manchester On now until 29 August

The Lowry Galleries are pleased to re-open with two exhibitions. The first, Days Like These, displays paintings, photographs, films and poetry contributed by some of the 245,000 residents of the city, telling the story of Salford during and after the lockdown. It reflects the hopes and fears of everyone from then to now, showing the vital efforts of the frontline workers, the empty streets, as well as the joy of reuniting after lockdown. Also on show is a new display of the best of Salford’s own LS Lowry – an artist famous for his paintings of crowded city streets, and vast empty landscapes. Highlights from Salford’s own Lowry Collection now include their most recent addition, David Lloyd-George’s Birthplace, Manchester 1958, an extraordinary empty city view that could have been painted at the height of lockdown. Also on show are new loans including a striking self-portrait by Lowry painted in 1938. For further information visit www.thelowry.com

Unearthed: Photography’s Roots Dulwich Picture Gallery, London On now until Until 31 August

Discover the pioneering story of photography from the 1840s to the present day, old though stunning still lifes of plants and botany. Dulwich Picture Gallery presents the first exhibition to trace the history of photography as told through depictions of nature. Over 100 works by 35 leading international photographers, many never seen before. The exhibition follows the lasting legacy of the great pioneers who made some of the world’s first photographs of nature. A central focus for the show and a truly rare opportunity for visitors will be a display of 11 works by the inventor and pioneer, Kazumasa Ogawa, whose effectively coloured photographs were created 30 years before colour film was invented. Ogawa Kazumasa Ogawa, Chrysanthemum combined printmaking and traditions in Japan to create truly from ‘Some Japanese Flowers’, original and pioneering photographs. By developing up to 16 ca.1984 ©Dulwich Picture Gallery different colour plates per image from expertly hand coloured prints, he made Japan the world’s leading producer of coloured photographs, the display of which is hoped to be a revelation for many. Advance booking essential. www.dulwichpicturegallery.org.uk/Tel. 020 8693 5254 RETIREMENT

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Out & About

ALICE: CURIOUSER AND CURIOUSER

Barbara Hepworth, Curved Forms (Pavan), 1956. Impregnated plaster, painted, on an aluminium armature 52 x 80 x 48.5 cm Presented by the artist’s daughters, Rachel Kidd and Sarah Bowness, through the Trustees of the Barbara Hepworth Estate and the Art Fund © Bowness. Photo: Jerry Hardman-Jones

Perfect English Style

Imagine how different this bedroom would look – how much atmosphere and character it would have lost – if there were fitted carpet and a fresh coat of vinyl emulsion. Instead, the time-worn elm floorboards are bare, and later layers have been scraped back to reveal original paint, faded and mottled, but intensely evocative and romantic.

Perfect English Style

Patina

here are many ways to ruin the atmosphere and period feel of an old house. You can strip out the original windows and replace them with double-glazed uPVC replicas.You can prise up floorboards and stick down new ones without holes, gaps or inconvenient slopes. Uneven flags can be replaced with smooth limestone that lies perfectly straight and flat. And if you want to be thorough, you can hack off old lime plaster with its waves and wobbles and soft corners, and replaster with gypsum, being sure to get sharp right angles by using metal corner strips. If you do any or all of these things, you will have lost something irreplaceable. Patina, as well as the craftsmanship RETIREMENT

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Simon Brown ©Ryland Peters & Small

of the past, is what you throw away. Patina describes the alterations to the surface of a material that occur over time through exposure to the elements, or through use. As a term of approval, it is applied to materials that are robust enough to last and continue to look beautiful – usually naturals such as stone, wood and leather. A plastic garden chair will acquire a different finish if left outside for long enough, but the effect would probably not be described as patina. Old

buildings acquire patina, both inside and out, and being careful to preserve it is the difference sensitive restoration and over-restoration. In the antiques trade, the patina of a piece of furniture is a key element of its desirability and value. If it is wood, it will have acquired a depth of colour and sheen conferred by generations of dusters and polish. A painted piece dating from the 18th or 19th century may have been worn bare around its handles, its colours may have faded, its

painted furnishings, labelled as ‘shabby chic’. Some methods of ageing have better results than others. As already mentioned, Nancy Lancaster resorted to soaking new fabrics in a solution of tea, or leaving them outside in the rain for a few days to soften up and to take the edge off their colours and patterns. English Country House style relies on patina for its charm, or even its essence. This is the source of that elusive and alluring sense of timeless comfort – the feeling that a room and its contents have been used and enjoyed, treasured and cared for. Chips and knocks, places where a stone floor has been eroded by endless steps, handles rubbed smooth by fingers and palms, fabrics bleached by the sun, all give us permission to add our own pennyworth of wear and tear. Patina is more than skin deep. In its unobtrusive way , it reminds us of our own mortality – of those who went before, and those who will come after us. This is why it is precious.

Above: Leaving an old lime plaster wall unpainted after stripping off later paint and paper invariably results in a surface of intriguing colour and texture, like an ancient map. Jan Baldwin ©Ryland Peters & Small

Below: Distemper and limewash are types of paint that tend to fade and weather, and are a good option if you want a wall surface that does not look too uniform or spanking new. This blue limewash makes a soft background for a cupboard, the brown paint of which has started gently to decay. Jan Baldwin ©Ryland Peters & Small

Above: Contrasts are decorating catnip, whether in terms of scale, colour, or texture. In this farmhouse kitchen, with its cracked stone flooring, flaking limewash, and bleached ceiling planks, the pair of contemporary plywood chairs look all the more pristine for their well-weathered setting.

Perfect English Style

pattern become faint, but it will have achieved the ‘pleasing decay’ so loved by decorator John Fowler. Old mirror glass, backed with mercury, develops a mottling of grey, blurring the edges of reflections with a romantic silvery dust. The raised edges of gilding rub away to reveal its dark red ground or the white of the silky gesso beneath. Antique fabrics fade according to the resilience of the vegetable dyes used to colour them. It is only by looking at the back of a 17th-century tapestry where the threads have been protected from sunlight that you see how its subdued, subtle palette of blues and browns was once vibrant with green, yellow, red and purple. Patina is a slow process, though there are ways of hurrying it up for effect. Unscrupulous antique dealers have been known to attack a piece of furniture with a bicycle chain in an attempt to mimic the ravages of time, and there was recently a fashion for self-consciously chipped

Jan Baldwin ©Ryland Peters & Small

Left:Wooden panelling, painstakingly dry scraped back to a colour scheme of pale grey dating from the second half of the 17th century.The glass of the mirror chair has also been softened by time and use. Simon Brown ©Ryland Peters & Small

Perfect English Style by Ros Byam Shaw, published by Ryland Peters & Small (£35) RETIREMENT

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HEALTH

Health

EYES

Did you know that regular sight tests can pick up conditions such as glaucoma, cataracts, macular degeneration, dry eye and inflammation of the cornea? They can also detect signs of other diseases including diabetes, hypertension (high blood pressure), thyroid toxicosis, auto immune disorders, pituitary tumours, raised cholesterol and shingles. It is advisable to have your sight checked at least every two years and even annually. You will qualify for a free NHS sight test if you are aged 60 and over in England, Wales or Northern Ireland; at any age if you live in Scotland; you or your partner receive means-tested benefits or have a low income; or you have specified eye problems such as glaucoma or a family history that puts you at risk of such conditions. See Help with NHS costs, earlier in this chapter, for how to check whether you are eligible. People with mobility problems who are unable to get to an optician can ask for a domiciliary visit to have their eyes examined at home. This is free for those with an HC2 certificate or who are in receipt of one of the benefits listed in Help with NHS costs. People with a (partial help) HC3 certificate can use this towards the cost of a private home visit by their optician. The going rate for private sight tests if you do have to pay is about £25 to £50. RETIREMENT

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Bodies do require care and attention if they are to function at their best

You do not need a doctor’s referral to have your eyes tested. Whether you have to pay or not, the optician must either give you a prescription identifying what type of glasses you require or give you a statement confirming that you have no need of spectacles.The prescription is valid for two years. If you do not use it straight away, you should keep it safe so that it is handy when you need to use it. When you do decide to buy spectacles or contact lenses, you are under no obligation to obtain them from the optician who tested your eyes, but can buy them where you like. There is a voucher system for helping with the purchase of glasses or contact lenses. If you or your partner are in receipt of specified means-tested benefits or have a low income as described in the section on Help with NHS costs, you will receive an optical voucher, with a cash value. The amount you get will

depend on your optical prescription. It might be sufficient to pay for your contact lenses or spectacles outright, or it may make only a small contribution towards the cost. Part of the equation will depend on the frames you choose. You will not be tied to any particular glasses: you can choose spectacles that cost more than the value of the voucher and pay the difference yourself. People who are registered blind are entitled to a special tax allowance each year. For 2020/21 it is £2,500. For details, see gov.uk/blind-personsallowance. A great deal of practical help can be obtained from the Royal National Institute of Blind People (RNIB). In addition to giving general advice and information, it can supply a range of special equipment, details of which can be found at rnib.org.uk. Do you have a family history of glaucoma? Are you short-sighted? Do you have diabetes? Are you of

HEARING African-Caribbean origin? If the answer to any of these is yes, and you’re over 40, then you could be at increased risk of developing glaucoma. There are various types, but the most common is primary open angle glaucoma (POAG). It has no symptoms in the early stages, but slowly and painlessly destroys sight if not detected and treated. For more information, see glaucoma-association.com. Many elderly people with failing sight suffer from macular degeneration, which affects their ability to distinguish detail. Although there is no known cure, individuals can be helped to make the most effective use of their sight by special magnifiers and other aids, such as clip-on lenses that fit over normal spectacles. See partsight.org.uk. British Wireless for the Blind is a national independent charity providing specially modified audio equipment to all UKregistered blind or partially sighted people in receipt of means-tested benefits. See blind.org.uk. The Equality Act 2010 requires businesses to take reasonable steps to make their services accessible to customers with disabilities. This is nowhere more important than in banking and day-to-day money services. Unfortunately, with the closure of bank branches, it is now more difficult to get face-to-face help. However, there are other options, so do request statements in alternative formats, such as Braille, large print or audio formats; and consider phone banking or online/mobile banking which you can access with the aid of a screenreader. Some banks also offer talking cash machines.

In the UK alone there are 11 million people living with a hearing loss, and only 2 million of them are wearing hearing aids, even though many more could benefit from them. It’s estimated that people delay 10 years on average before seeking help with hearing loss. Being able to hear properly is important for a number of reasons: for safety and awareness; conversation and interaction; enjoyment and entertainment. Signs to look out for are: • not hearing the doorbell or a

telephone ring; • turning up the television too loud for the comfort of others; • failing to hear people come into the room; • misunderstanding what has been said in conversation; • not speaking clearly or speaking in a monotonous tone; • uncertainty about where sounds are coming from; • difficulty in hearing at a distance or in public gatherings.

FEET

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Health

Many people forget about their feet until they begin to give trouble. Corns and bunions, if neglected, can become extremely painful, and ideally everyone, especially women who wear high heels, should have podiatry treatment from early middle age or even younger. One of the problems of which podiatrists complain is that because many women wear uncomfortable shoes, they become used to having painful feet and do not notice when something is more seriously wrong. The result can sometimes be ingrowing toenails or infections. Podiatry is available on the NHS without referral from a doctor, but facilities tend to be very oversubscribed, so in many areas it is only the very elderly or those with a real problem who can get appointments. The College of Podiatry is the professional association for registered chiropodists and podiatrists, and has a searchable directory of its members who are private practitioners across the UK and overseas. See cop.org.uk.

THE ‘SILVER SEPARATOR’ SURGE:

Why more older couples are getting divorced

The ‘silver separator’ surge: why more older couples are getting divorced

THOSE over 60 have the fastest growing divorce rate of all age groups, with the Office for National Statistics (ONS) revealing that the number of older couples getting a divorce rose by 85% between 1990 and 2012.

ith the social stigma surrounding divorce becoming less prevalent and, with life expectancy increasing, more people are considering what they really want out of their relationships as they approach retirement age. Whether they’ve waited for their children to fly the nest and begin their own lives before making the decision, or have remained in an unhappy marriage for a variety of reasons, there are a number of contributing factors that are resulting in increasing numbers of those over 60 pursuing divorce.

The age difference

With older couples, the process of separation and divorce can be much trickier. The role of the family court is to identify what assets form part of the “matrimonial pot”, value them and then ensure they’re divided fairly. Although the starting point is an equal division of assets, there are a number of factors that could affect the sharing principle, such as the needs of one party in particular. For older separators, some of the key elements that must be considered are: • Income: The older someone is, the shorter their earning capacity will be. Consideration must be given to how they will pay their bills and outgoings, particularly if they’re approaching retirement. If this is the case, is maintenance going to be required and, if so, should it be capitalised? • Housing: Upon retirement, a RETIREMENT

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While divorce is a stressful period for any individual to go through, it can be much harder for older couples for several reasons, as Catherine Rochelle, associate and solicitor specialising in family law at Nelsons, explains. Additionally, if a couple does not wish to divorce and instead opts for a judicial separation, which allows couples to resolve most of their financial affairs in a legally binding way, or draws up a settlement agreement, it’s worth noting that pensions cannot be shared and couples may be exposed to future claims made by their former spouse. Furthermore, separation agreements are not legally binding or enforceable in family courts.

Don’t forget Catherine Rochelle, associate and solicitor specialising in family law at Nelsons. person’s income will generally reduce, therefore the parties may require a mortgage-free home, particularly if they have little to no mortgage raising capacity. Downsizing may also be necessary if any children have moved out. • Liabilities: If there are any matrimonial debts that have been accrued, it must be decided how these will be repaid or divided. It’s worth bearing in mind that some creditors will reduce the outstanding amount if the debt can be repaid in one lump sum.

Prioritise pensions

An area where particular consideration must be given is each person’s pension provision. For example, should pensions be shared to achieve an equal income at retirement, or would one party prefer a pension offset in exchange for a larger share of the house? However, if a pension is to be shared, it’s crucial to remember that, with little time to recoup any reduction in their pension, longer-term implications need to be considered. For more information on divorce and separation, please visit www.nelsonslaw.co.uk/divorce-and-separation.

Divorce proceedings can be all-encompassing, but it’s important to remember that there are other financial matters that may need either party’s attention while the divorce is being finalised, such as: • Wills: It’s likely that their former spouse is listed as their beneficiary, or named in some capacity, in their will. Updating this document will ensure assets go to the people they want to receive it. • Cohabitation agreements: Should an individual wish to form a new relationship, but not enter into another marriage, a cohabitation agreement sets out the ownership of existing assets, financial responsibilities and how savings or jointly-owned assets will be distributed if the relationship ends. • Pre-nuptial agreements: Should someone wish to re-marry, a pre-nuptial agreement sets out how assets will be divided in the event of divorce. For those marrying at a later age, they may wish to preserve their wealth for their children rather than the new spouse.

Discover the freedom of renting… Exclusively for over 55’s our properties include independent living spaces alongside welcoming communal lounges with maintained gardens for socialising and relaxing. On-site managers and 24 hour emergency care line for additional peace of mind. All these services and more are included in the rent!

Why RENT?: • Flexibility to choose to live and move - where and when you want • No property ownership responsibilities • Added security with our assured ‘lifetime’ tenancy • Rent your home for as long as you wish • No service charges or event fees • Landlord is responsible for maintenance

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HERE QUALITY & W LIFESTYLE COME FIRST Please contact our Head Ofﬁce on 0118 942 8782 to discuss your residential park home or holiday lodge requirements. We can supply park homes and leisure lodge homes from any manufacturer. We have an inventory of stock homes from any of the leading manufacturers available immediately, alternatively you can place a forward order for a home of your choice with a lead time of 12 weeks delivery. Our parks are located in Berkshire, Wiltshire, Hampshire, Oxfordshire, Surrey and Essex with our address details listed below. We have in excess of 1200 residents living on our estates and have more than 40 years experience in the industry, with our ﬁrst park ownership in 1976.

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RETIREMENT 23/03/2018today 15:04

Born to be Wild

glorious celebration of the unique bond between parent and child throughout the natural world from award-winning illustrator Hannah Dale.

Badger

Red Fox Vulpes vulpes The beautiful red fox with its distinctive russet colouring is thought to be the most successful and widespread wild carnivore in the world, occurring across the entire northern hemisphere. Foxes produce a single litter each year, usually with four to six cubs, although the largest litters can contain up to 13 young. To raise a new family of fox cubs successfully it takes two, so both mum and dad are involved in the early days. Blind and dependent on their parents, the cubs spend the first two weeks of their lives in their den with the vixen, while the male or ‘dog’ brings them food. At five weeks they have taken their first exploratory steps out into the world, and by ten weeks they are fully weaned. The growing cubs will remain with their mother until they are around ten months old, when they are fully mature, and will begin looking for territories and mates of their own.

Meles meles Badgers live in complex social groups, usually consisting of around five adults. They can be found throughout Europe and some parts of western Asia. However, it is not always ‘happy families’ among the sett-mates, and squabbling to assert superiority is common throughout the year. This is an important part of their social behaviour, as only the dominant females will be allowed to successfully raise a litter of cubs. In spring and summer, badgers are hard at work excavating and expanding their setts, creating new nesting chambers. A sett can be used by many generations of badgers, and it is not entirely clear why they continue to add extensions. The cubs are born blind with a covering of silky grey fur, but the distinctive stripes are already visible. They first emerge from their nursery at around four to five weeks, but won’t be fully weaned until up to the age of five months. Badger cubs are very playful, and can often be spotted around their sett at dusk, learning the skills they will need as adults.

Tawny Owl Strix aluco The original ‘wise owl’, tawny owls are also famous for their loyalty, with breeding pairs mating for life. A woodland bird occurring in much of Europe and western Asia and parts of North Africa, tawny owls are extremely territorial. When it comes to breeding, the female selects her nesting site – usually a natural hole, or a nesting box in a tree. She lays a clutch of almost perfectly round, pure white eggs and begins the task of incubating them. While she keeps her eggs warm, the male assumes the role of provider, bringing her food while she is unable to hunt. This continues after the eggs have hatched, until the chicks are around six or seven days old when she will occasionally leave them to hunt. The young are finally ready to fledge at just over a month old, but they will still be dependent on their parents for food until they are at least three months old. At this point, they must leave and find a territory of their own – it can be a perilous time for young tawny owls and some will starve before they manage to find their own hunting ground.

Hedgehog

Born to be Wild

Erinaceus europaeus The hedgehog as we know it has been around for 15 million years, but its numbers are now in steep decline, as we reduce its habitat and make life more hazardous for these prickly little hogs. Between May and July, throughout western and some parts of northern Europe, hedgehogs give birth to between four and seven babies in a hidden den. The hoglets are raised by their mother after being

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born blind and with their first set of spines covered by a membrane. They will remain in the den for around six weeks as their spines develop, being fed by mum during the day as she goes out to hunt at night. When they emerge into the outside world, they remain with their mother for a short while, learning to hunt for tasty insects and worms, before quickly becoming fully independent.

Born to Be Wild:

Celebrating new life for vulnerable wildlife by Hannah Dale is published by Batsford. Illustrations by Hannah Dale.

Song Thrush Turdus philomelos The breeding season for song thrushes is initiated by changes in the weather – cold weather can delay it, while warmer weather may bring it forward. Its range extends from western Europe across into central Asia. It is the female that does all of the hard work of building a nest – it can take her up to three weeks and she will pick any spot among tree branches, shrubs or ground vegetation that offers shelter and cover. The nest is made from twigs and leaves and then is lined with a thick layer of mud, dung and even rotten wood. She lays a clutch of up to five eggs and begins to incubate them when they are all laid. They will hatch around two weeks later when dad steps in to help feed the chicks until they are old enough to fledge, at which time the female starts to prepare for the next brood, and dad is left in sole charge of the fledglings.

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Osprey

Born to be Wild

Pandion haliaetus Found across the globe, ospreys are loyal and devoted birds, remaining faithful to one mate for life.Together they build a large nest, or eyrie, from twigs and branches lined with moss and grass, and will often return to the same nest year after year – some nest sites are known to have been used for more than 20 years. The female lays up to three eggs and they will hatch a few days apart. Unlike some other birds of prey, the chicks show no aggression to one another, but if food is scarce the older chick is the most likely to survive; if the chicks were born at the same time, in lean times the ospreys would be more likely to lose the whole brood. The division of labour is clearly defined, with the mother being responsible for incubating and brooding the young chicks, while the male hunts and feeds his young family. RETIREMENT

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A multi-stemmed mock orange (Philadelpus coronarius) stands in front of Anne Hathaway’s Cottage. The large white rose on the left is Rosa ‘Rambling Rector’

SHAKESPEARE’S GARDENS

William Shakespeare was born in Stratford-upon-Avon and after finding fame in London, returned to his home town in later years. The five gardens at Stratford-uponUpon represent the different phases in Shakespeare’s life. Now cared for by the Shakespeare Birthplace Trust, the gardens are continually evolving to reflect the ongoing knowledge of his life.

THE GARDEN TODAY

Shakespeare’s gardens

isitors today enter the 5 hectare/12 acre garden through a walkway of sweet peas (Lathyrus odoratus), trained up a framework of hazel twigs, cut from the garden. These heritage varieties change each year but always include the ones that arrived in Britain in the seventeenth century (‘Cupani’ and ‘Matucana’) and those with Shakespearian connections (such as whiteflowered ‘Romeo’ and ‘Juliet’). There is also salmon-pink ‘Miss Willmott’, named in 1906 for Ellen Willmott, the gardener who laid out gardens around the house. The three cottage beds devised by Ellen Willmott are still very much as they have always been. Plants are divided and redistributed, but many are the original varieties that she introduced, including columbine (Aquilegia), lungwort (Pulmonaria), delphinium, cranesbill (Geranium), gentian,

stachys, eucanthemum, oriental poppies (Papaver orientale) and primula. The style is relaxed, but, as with all large herbaceous borders, the gardeners at Anne Hathaway’s Cottage are always managing the growth, making sure that one species or cultivar does not threaten to spoil the cottage-style mixed planting. Beyond the flower gardens, a willow arch leads into the oak plantation – an area of woodland which provides a useful shelter belt for the garden. Originally, the woodland was planted with ‘nurse’ trees (here, pines) that help the trunks of the oaks to grow

Shakespeare’s Gardens revised edition by Jackie Bennett published by Quarto Publishing. Photographs by Andrew Lawson upwards and dead straight. The pines have now done their job, and fifty of them will be taken out over the next few years, allowing the garden team to augment the woodland understorey with shade-loving shrubs and put in a full range of woodland plants. Bluebell (Hyacinthoides non-scripta) colonies have already been established and are increasing. A recurring feature at Anne Hathaway’s Cottage is the willow (Salix) – or osier – work, to be seen in screens, fences, tunnels, arbours and the crescentmoon sculpture by Tom Hare. The gardening team

Sweet peas (Lathyrus odoratus) are trained up a framework of hazel twigs along the path leading to the cottage gardens RETIREMENT

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Examples of hazel and willow work in the garden of Anne Hathaway’s Cottage

Exam

mples of hazel and willow work in the garden of Anne Hathaway’s Cottage

Shakespeare’s gardens

spend approximately 200 hours each year renewing the willow work in the garden. Osiers are cropped from the SBT’s own willow (Salix viminalis) beds each year to provide material for the arbours and screens. These structures are maintained and renewed three times a year. When the stems first come into leaf in spring, the arbours and fences are inspected for any parts that have not greened up and might be dead. If so, new stems are cut and woven in to fill in the gaps. Then in May or June, any unruly growth is trimmed back to make sure visitors can still get inside the tunnels and arbours. In February, when the stems are dormant, the main weaving is done, firmly planting the willow wands in the earth, to fill out the structures. Close to the cottage, the two vegetable beds are resown and planted every year with a variety of interesting salad and vegetable varieties including lovage (Levisticum officinale), corn salad (Valerianella locusta), lemon balm (Melissa officinalis) and good King Henry (Chenopodium bonus-henricus). ‘Green Globe’ artichokes are always a feature and a semi-permanent bed of blackcurrant Wellington’ gives a good crop of fruit. Beyond the cottage itself is the area known as the Dell, an area of old fruit trees and the thatched cabin suggested by Ellen Willmott. It has bulbs in early spring, but is usually kept closely mown. Beyond are two orchards managed under the Stewardship Scheme.7 The first and older one is being controlled with a ‘grazing’ regime, whereby mowers cut the grass every three weeks to a height of 5 cm/2 inches to mimic the action of livestock. All the cuttings are taken away and composted, to prevent the build-up of high nutrients. In the second orchard, which is divided from the first orchard by an old ditch and hedge where primroses and cowslips grow in the spring, the grass is allowed to grow longer, before it is scythed down in July and cleared away – the traditional management routine of a hay meadow. In the autumn, the fruit is gathered by a local, not-for-profit initiative, and the fruits are given away to local school groups.8 The orchards include plums, apples, medlar and pear trees and a healthy crop of mistletoe (Viscum album).

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Do You Really Need A Will?

Do You Really Need A Will? By Charlotte Isherwood, Wills & Probate Solicitor at ZEDRA

Do You Really Need A Will?

D 24

o you need a Will? To some people the answer to this question may be obvious because of the industry in which they work or previous experiences with family members dying with, or without, a Will. However, some people may not feel it’s relevant to them because they do not have any assets to distribute yet. Generally speaking, in the UK anyone over the age of 18 can make a valid Will. Some of the reasons that people who have not yet made a Will give is because they are not married, they don’t own their own property or they don’t have any children. In the UK, when someone dies without a Will their estate passes in accordance with the Rules of Intestacy, which sets out a specific order of who benefits from the estate. If you die without a Will, unmarried and with no children or grandchildren then RETIREMENT

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your estate would automatically pass in the following order: • to your parents, or if none • to your whole blood siblings, or if none • to your half blood siblings, or if none • to grandparents, or if none • to uncles and aunts of the whole blood, or if none • to uncles and aunts of the half blood. Ultimately, if none of the above survive you, your assets will pass to the Crown. Aside from the risk of someone benefitting from your estate who you would not have chosen, dealing with the estate of someone who died without a Will is much more complicated and costly. When you make a valid Will, you appoint people, or a company, that you trust to be your Executor or Executors. They will deal with your assets, pay any debts owed by you,

and ensure that everything that is left passes to the correct people in accordance with your wishes. Without a valid Will, the Rules of Intestacy will again step in and dictate who has the legal authority to deal with your estate. This not only takes additional time and increases costs but it can also cause family conflict and unnecessary distress for your loved ones. The reasons for needing a Will may be more obvious to those who own property or have children but there are absolutely no reasons for anyone not to have a Will. www.zedra.com

In August 2020, Margaret provided 84 hours of medical care to a dying horse, saving its life. Margaret in the 1950s

You can’t teach an old dog new tricks. But you can teach a scientist. Help FRAME to find a better way than animal experiments. With the right tools and training we believe scientists can research human health more effectively without laboratory animals. FRAME is an independent charity dedicated to the development of new and valid methods that will remove the need for animals in medical and scientific research, education and testing. Gifts of any size, small or large, will help FRAME find better, non-animal methods. FRAME receive no funding from government and rely on gifts and legacies to carry out our vital work.

Create Your Legacy Margaret passed away in March, 2020 and kindly remembered Bransby Horses in her Will. Gifts in Wills help us to rescue and care for hundreds of equines every single year.

01427 788 464 BransbyHorses.co.uk/legacy

We are grateful for every gift, however small.

Please remember FRAME in your will. For more information visit frame.org.uk/how-you-can-help/leave-a-legacy or call: 0300 030 1016

Charity No: 1075601. Company Limited by Guarantee Registered in England and Wales No: 3711676 Mrs Penney’s family generously gave permission for this image use and message; continuing Margaret’s incredible legacy. 84 hours based on 6 staff working at our Intensive Care Unit.

FRAME Fund for the Replacement of Animals in Medical Experiments FRAME is a charitable incorporated organisation with registration number: 1176266 FRAME, Cawley House, 149-155 Canal Street, Nottingham, NG1 7HR, UK

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Legacy quarter page ad.pdf

20/04/2012

15:22

Last year we helped over 80,000 wild birds and animals like Rudolph

Sponsor a Redwings rescued donkey Esther Sponsor a rescued horse or donkey from as little as £15 a year and you’ll receive an adoption pack including your new friend’s story and a stunning photo, plus access to their online diary.

Please help me get better

Not only do we treat more hedgehogs than any other wildlife hospital, but our caring teams save lives every day. Our aim is simple, to treat injured British wildlife, then return them to the wild. Like Rudolph, who arrived badly injured at just five days old. Our specialist care saved this little deer and he is now facing a brighter future. But it is only with your support we can help casualties like Rudolph; please remember Tiggywinkles in your Will.

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Our late friend Dame Thora Hird actively encouraged others to help us secure funding for our lifesaving work. In her words "All the little wild creatures and I thank you so very much". For more information please contact: Jenny Babb, Tiggywinkles, Aylesbury, Buckinghamshire HP17 8AF

01844 292 292 mail@sttiggywinkles.org.uk www.tiggywinkles.com Registered Charity No. 286447

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CASE STUDY

Leave a Legacy Dennis and Beryl’s lasting legacy for homeless pets As a self-funded charity, the National Animal Welfare Trust (NAWT) relies on the support of the public and is very grateful to receive donations of any size. While it's not always easy to give money right now, one way around this could be to leave a donation in your Will. In fact, that was exactly what happened in the case of Dennis and Beryl, a lovely couple who adopted dogs from our Cornwall rehoming centre. At the end of 2019, we learned of the sad news that Beryl had passed away that September, two years after her beloved husband Dennis. Beryl and Dennis were very private, shy people who thought the world of their two rescue dogs Bobby and Morris. Their kindness and support for animals needing a second, or third chance in life was clear long after the day they took their dogs home. They were regular visitors to the Cornwall dog show events, always turning up with a smile on their faces. As an animal welfare charity, we always take care of the animals we rehome, even if new owners suddenly find themselves unable to continue caring for their rescue pet. When Beryl too passed away, we were contacted by her friend to see if we could take Bobby and Morris back and help them find another equally loving home. We were able to do this and quickly find them new loving homes. So keen to demonstrate their love for animals, we were overwhelmed to hear a little while later that Beryl had decided to leave a generous donation to the charity in her will, ensuring we can continue the work we do transforming the lives of pets and their owners. This legacy has enabled us to not only continue to help many more stray cats and dogs, but also start up new schemes to allow NAWT to continue to promote responsible pet ownership and help the community. Gifts of any size are welcomed and when writing a Will, you could choose to leave a certain sum or choose a percentage of your estate to suit your wishes. NAWT is currently offering a free Will writing service through Farewill*. To find out more, go to www.farewill.com/nawt-mag or call 0208 050 2686 and quote NAWT. *Limited number of free wills available. RETIREMENT

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Do You Really Need A Will?

o matter how small the legacy, leaving a gift in your will ensures you are making a significant contribution to the work of the charity for future generations, not to mention the footprint you will leave. Over the years gifts in wills have helped charities fund their vital work, such as helping vulnerable people, protecting wildlife and domestic animals and the funding of medical research to name just a few causes. Legacies remain perhaps the most important way you can support your favourite charities. Charities rely heavily on legacies so they can maintain their vital work. No matter how small the legacy it can still make a huge long-term difference. The reality is that without gifts left in wills, many of the charities we know, and support today would struggle to survive and many wouldn't even exist. The legacy you write into your will today will not be available to the charity for many years to come. However, you will be providing your chosen charity with a vial source of income in future years. It has been government policy for centuries to encourage charitable giving. Gifts made by will are exempt from inheritance tax. In addition, where more than 10% of the value of the estate is dedicated to charity, the rate of the whole estate is reduced. Leaving money to a charity is crucial for their good work to continue and if you have certain feelings about how the money should be spent, you can specify that it is for a particular use. Contributing to the support of charities in your lifetime and as a legacy when you’ve passed on all helps to play your part in helping the good work live on.

Charity N E W S Bransby Horses face significant challenges Tidy away garden netting to help keep hedgehogs from injury Tiggywinkles Wildlife Hospital helps all manner of British wildlife but one of their most common casualties is, of course, the hedgehog. Hedgehogs arrive at the hospital with all sorts of ailments but one of the more common reasons for being admitted is due to restriction injuries. Billy was one of these unfortunate patients, having been found tangled in garden netting. He was lucky to be spotted when he was, as restriction injuries can be nasty. Thankfully, Billy’s rescuer knew to bring him to a wildlife hospital to be freed and examined by a vet. Netting casualties should always be taken to a wildlife rescue centre for observation instead of being released at the scene. On his arrival, the duty nurse at Tiggywinkles removed the netting from around Billy’s legs and checked for any injuries. Billy’s hind leg was swollen as a result of the restriction, and so he was placed on a short course of anti-inflammatories to bring the swelling down. Happily, Billy responded well to treatment and after a short spell in the hedgehog soft-release programme, was released back to the wild where he belongs! Tiggywinkles is dedicated to helping educate people about how we can help wildlife and one simple thing we can do this summer when we are out in our gardens is to tidy away garden netting and keep netting and string arrangement 30cm above the ground out the way of curious hedgehogs. To help Tiggywinkles look after animals like Billy, visit their website www.tiggywinkles.com to find out how you can help!

Lincolnshire-based equine charity, Bransby Horses, is dedicated to the rescue and rehabilitation of equines in need. It has grown to become one of the UK’s largest equine welfare charities and is still thriving thanks to amazing public support and the wonderful people who have remembered them in their Will. The charity now has around 400 equines spread across their sites at Bransby and Barlings near Lincoln, and over 530 live in foster homes across the country. Many of the horses, ponies, donkeys and mules in their care have been rescued from mistreatment and neglect, and can now be given a second chance at life. Sadly, over the past two years Bransby Horses has faced significant challenges from severe flooding in 2019, to the impact of the COVID-19 pandemic in 2020. Both events have had a substantial impact on the charity and will affect it for years to come. By supporting Bransby Horses, you are helping them to continue with their rescue and welfare work but also push through what is proving to be the most challenging time in their history. When you create a Legacy for Bransby Horses, you can be happy in the knowledge that you are making a huge difference to this caring, hard-working charity and all the horses, ponies, donkeys and mules they look after. Your support means the world to them.

Next Steps… To create your legacy, please contact the Legacy Team on 01427 788464 or email legacy@bransbyhorses.co.uk for a free Leaving a Legacy Pack.

Adopt a rescue horse or donkey All the rescued horses and donkeys of Redwings Horse Sanctuary want is the chance to continue living a life free of fear and neglect. You can help make their wish come true by sponsoring a Redwings “Adoption Star” as a truly unique gift for a loved one, and every penny goes towards their care and that of their four-legged friends at the Sanctuary – of which there are over 1,500! Sponsorship costs from just £2 a month via Direct Debit, and there are more than 20 adorable Adoption Star horses, ponies and donkeys to choose from, each with their own moving story to tell. From gentle giant Shire cross Fox to mischievous donkey duo Wiggins and Wacko, from mini but mighty Sampson to real life ‘Black Beauty’ Maya, there’s an array of wonderful characters enabling everyone to find the perfect new friend for themselves or a loved one. Those wishing to sponsor an Adoption Star will receive: • An adoption pack including a certificate, beautiful photograph and the Adoption Star’s story

Charity News

• A yearly update on their adventures and antics at the Sanctuary

• Your personal invitation to the Adoption Star’s birthday party • Unlimited access to their online diary featuring photo galleries and blogs about their life at Redwings • The chance to visit the Adoption Star for free at the centre where they live. • A Friendship Card to treasure as a reminder of their adoption. RETIREMENT

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To sponsor a Redwings Adoption Star head to www.redwings.org.uk/adopt or call 01508 481000.

Why retirement shouldn’t slow you down

5 ways to give back to charity in your golden years

contact RCG on 0800 633 5323. If you’d like Naturewatch Foundation to benefit from the proceeds simply let them know.

he team at Naturewatch Foundation are strong believers that not all help has to be financial. Below are 5 fundraising activities they recommend will keep you active, happy and connected with family during your retirement years.

Leave a legacy

Volunteer at your local animal shelter

Animal shelters are always happy for extra support from volunteers. This ranges from dog walking, feeding and cleaning kennels or simply just giving love and affection to the animals waiting for their new forever home. This is a fantastic way to support your local community and who knows, you may even find your own furry friend in the process!

Have a spring clean

With more time being spent at home, you’ve probably noticed the amount of items you’ve accumulated over the years. Now’s the chance to get the family together, load up the car and get down to your local car boot and raise some money for charity. You’ll not only feel a sense of accomplishment that’s hard to top, you’ll be going home to a clutter-free house. Tidy house = Tidy mind.

Turning hobbies into £££ Retirement is the time to focus on you and your hobbies. Dust off your camera or your paintbrushes and sell your masterpieces online. Or, maybe you want to spend this time getting fit? You can do sponsored walks and runs instead! Any money raised can be donated to your chosen charity. All of this whilst improving your mental and physical fitness. And they say retirement is all about slowing down!

Going for Gold

Our partners at Recycling for Good Causes (RGC) will recycle your unwanted jewellery with 75% of all proceeds going to charity. The process is hassle-free and is simply a case of you popping your items into a prepaid envelope and putting it in the post. If you have jewellery you’d like recycled,

HELP US HELP THEM ABOUT US

OUR ONGOING CAMPAIGNS BADGER BAITING

Despite being illegal in the UK since 1835, this brutal bloodsport still occurs today, leading to a torturous death for the badgers and dogs involved. We conduct covert investigations, the results of which are passed to enforcement agencies for further action.

For 30 years, Naturewatch Foundation has been a voice for animals; fighting to end acts of animal cruelty and advancing animal welfare standards around the world.

PUPPY FARMING IN THE UK

Over 400,000 farmed puppies are sold to the British public each year. Conditions on these farms can be poor, exposing the puppies to disease and genetic disorders. The breeding dogs left behind are often cruelly discarded when they are no longer profitable. We raise public awareness and campaign for government action against puppy farming.

Our work is only made possible by the ongoing generosity of our supporters. Every penny received from donations makes a huge difference and helps us to continue developing our animal welfare campaigns.

ANIMAL EXPERIMENTATION IN THE UK

In 2019, a shocking 3.4 million animals were used in scientific procedures in the UK. Our goal is to eliminate animal testing and replace it with more humane, human-centric methods. We also endorse genuinely cruelty-free cosmetics, personal care and household cleaning products in our popular Compassionate Shopping Guide, online and in paper form.

Please consider supporting our work and contact us today:

UKRAINE: STRAY ANIMAL WELFARE

Unwanted puppies are often abandoned to become strays. To humanely control the stray population, we fund sterilisation clinics in Kharkiv and Kupyansk, which offer free surgery to low-income pet owners, community and foster animals.

01242 252871 info@naturewatch.org

UKRAINE: POLICE TRAINING TO END ANIMAL ABUSE

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JOIN THE WATCH. NATUREWATCH FOUNDATION. Registered charity no. 1039679

As a small charity, it’s difficult to put into words just how important a legacy gift is. Legacy gifts allow small charities, like Naturewatch Foundation, to fully invest in wide-reaching campaigns and take actions that can make a positive impact to animals worldwide. Whatever amount you wish to leave behind goes a long way. To find out more about leaving a legacy please contact Naturewatch Foundation via phone 01242 252871 email info@naturewatch.org or visit naturewatch.org/get-involved/leave-a-legacy

A L W E L FA

Our training programme educates police officers, lawyers, NGOs and relevant organisations about the links between animal abuse and other violent crimes, as well as effective investigative techniques. Since our training programme began in 2018, prosecution rates for crimes of severe animal cruelty have increased by 75%.

WORLD ANIMAL DAY

Every year on October 4, we coordinate this celebration of all things animal, which aims to raise the status of animals worldwide. We encourage individuals, schools, businesses and other groups to organise events and get involved. Our 90+ ambassadors in over 70 countries may apply for an annual grant to support their grassroots animal welfare work, funded by our kind supporters. RETIREMENT

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Charity N E W S

Research Alternatives to Animal Testing Every living creature ages over time, we have that in common. But does it make sense to study human aging by using animals such as mice? Mice have an average life expectancy of about 2 years (about 2% that of humans). Animals do not suffer from the same age and lifestyle-related conditions as humans yet they are routinely used to study Alzheimer's, Parkinson's, dementia, diabetes, Motor Neurone Disease and other human conditions where age is a known factor. The increased accessibility of gene altering technology has allowed scientists to introduce human material into mice to create models that attempt to replicate these conditions. And it costs huge numbers of animal lives. Of the 3.4 million procedures carried out on animals in 2019 nearly half, 1.67 million, were for the creation and breeding of genetically altered (GA) animals. This number has been steadily increasing over the past 20 years and is the main reason why UK statistics do not show a fall in laboratory animal use over this time. Despite this investment of lives and money (each Alzheimer's drug trial for example is estimated to cost $30million - $50million), there has been almost no significant progress in tackling these conditions. A review published in 2018 looking at Alzheimer’s research said that there have been no successful treatments discovered in the previous 15 years. FRAME believe there is another way. At the FRAME Alternatives Laboratory they are supporting the development of human-based models of neuroinflammation using donated stem cells to allow scientists to study these diseases and develop and test drugs in conditions much more closely related to our human bodies. All their work is only possible through the support of people who care about creating a world where animals are not used in medical experiments. Help them fund the future, find out more at frame.org.uk.

Would you like to bring a smile to a friend's face during lockdown?

Charity News

We will send a complimentary issue of Retirement Today to brighten their day.Just email address quoting FREE. email info@amramedia.co.uk

Please note we do not retain addresses. RETIREMENT

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SSAFA CONTINUES TO SUPPORT THE ARMED FORCES COMMUNITY DURING COVID-19 SSAFA, the Armed Forces charity is the UK’s oldest, national, tri-service charity. SSAFA are no stranger to adapting to change. Having existed through six monarchies to date, weathered two World Wars and countless conflicts, Covid-19 is just one more chapter in a legacy of resilience. The need to adapt swiftly has been more important now than ever - as they know that vulnerable members of the military community need them. SSAFA is doing everything possible to continue to deliver vital support whilst ensuring that their teams of volunteers, staff and, most importantly, their beneficiaries remain protected. Forcesline, their free and confidential helpline has been operating as a ‘front-door’, with teams of advisors continuing to provide an uninterrupted service to those who need support or reassurance, as well as signposting to specialist services as required. Their UK-wide branch network has continued to support at a local level, using virtual methods of communication, and they have kept many of their residential facilities open as safely as possible, including Gildea House and Fisher House. Their unique adoption service introduced virtual adoption assessment panels and their mentors, helping those transitioning out of the Armed Forces, have been busier than ever. SSAFA’s health care and social work staff have continued to provide critical support to the military on Royal Air Forces stations in the United Kingdom and overseas under testing and most stressful conditions. Andrew Gregory, CEO of SSAFA, the Armed Forces charity said: “I am immensely proud and grateful to our team of volunteers and staff, who have come together with determination and resilience in the face of this pandemic. Despite a concerning climate, the men and women who make up the beating heart of our charity are rallying to ensure that support is given to anyone in need.” If you would like to find out more about SSAFA, please visit www.ssafa.org.uk

PAIN RELIEF FOUNDATION RELIEVING CHRONIC PAIN THROUGH RESEARCH

CHRONIC PAIN - THE SILENT EPIDEMIC › 1 in 10 people in the UK suffer from chronic pain – which does not go away. › Over half of sufferers endure chronic pain all day, every day of their lives. › Many sufferers say they can’t remember what it is like not to be in pain. › Thousands of sufferers lose their jobs because the pain is so bad that they cannot work. › Pain stops sufferers enjoying walking, shopping, sleeping; even playing with their children Chronic Pain affects people of all walks of life, 43% of the population suffer from chronic pain. Research costs money, and there is always an urgent need to provide more funds for more research. The Pain Relief Foundation DOES NOT receive funding from the NHS or any other Government body. Instead, our vital work depends entirely on donations and the generosity of people like you. PLEASE MAKE A DONATION TODAY, Or leave a Legacy in your will. For help and advice, contact us. Pain Relief Foundation, Clinical Sciences Centre, University Hospital Aintree, Liverpool L9 7AL

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Telephone: 0151 529 5820 E-mail: lorraine.roberts@painrelieﬀoundation.org.uk

www.painrelieﬀoundation.org.uk Registered Charity No. 1156227

CATASTROPHES CAT atastrophes Cat Rescue CATASTROPHES CAT RESCUE RESCUE Pain Relief Foundation.indd 1

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home environment with es Cat RescueOver was set through our helped an theup years we have increasing number of the catsfreedom of the country Over the years we in have helped angarden increasing number of cats that surrounds the sanctuary. nt in animal welfare campaigning the and kittens in distress, by taking them into our care and finding and kittens in distress, by taking them into our care and finding s we became established and our “no-kill” good homes for dramatically. them. The cats we inwith have often been Ourtake work cats involves spaying and neutering ame known ourgood workhomes increased for them. The cats we take in haveferal often been rquay Torquay abandoned or badly treated, some are simply strays who have colonies and giving any necessary veterinary e cats have been abandoned or are treated, simply somecomplete abandoned or badly are simply strays who have Feralhome. cats are returned to their site of capture a new home because never of a change in people’s had the chance of a treatment. proper caring never had the chance of a proper caring home. if long-term food shelter can be provided. If not, ces. Some have been ill treated. They arecat that is in need and weand Our aim is to help any believe Our aim is to help any cat that is in need and we believe they are relocated to a suitable farm or country home of love and care. that every cat deserves the chance of a good home. or haveof a home life with us with complete freedom that every cat deserves the chance a goodforhome. once they have settled in. as always been to help any cat regardless of We do not believe in putting animals to sleep unnecessarily rament or behaviour be in they wild animals We doproblems, not believe putting to sleep unnecessarily We believe cat deserves encourage sterilisation as aevery vital part of pet a chance to have a safe, onsequently weand tendwe to actively get desperate calls for and we actively encourage sterilisation as apeaceful vital partplace of pet caring and to live and enjoy the rest of derly, feral and ‘difficult’ to re-home cats. In ownership. Please remember us in your will. Your donation ownership. Please remember us in your will. Your donation their lives. Its surprising how often the most seemingly eet these needs or welegacy have had become a willtohelp our work for the animals and save lives. unfriendly called ‘spiteful’ cat that arrives hissing, or legacy help our work for the animalsand andsosave lives. as well as a cat rescue andwill re-homing Visitors welcome byspitting appointment and lashing out, or has the most difficult and n. The cats in our care are given a high Contact Liz Varney Contact Liz Varney anti-social habits and behaviour, can change with love, veterinary care and we strongly believe care and lots of patience. Catastrophes believe that and neutering as a responsible part of pet life saved is worth the effort it takes and with your The catschoice that are difficult•toGreat re-home facilities areGreatevery Great oice • facilities Moon Bakersmore Lane, cats in need will have a bright future. MoonCottage, Cottage,support Bakers Lane, hance to live out their daysHalf inHalf a peaceful

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HalfHeathfield, Moon Lane, Great ertainment entertainment • Great value • Cottage, Great value Dallington, EastBakers Sussex TN21 9JS

Dallington, Heathfield, East Sussex TN21 9JS Catastrophes Cat Rescue Dallington, Heathfield, East Sussex TN21 9JS Tel: 01435 830212 07912 113392 Tel: 01435 830212Mobile: Fax:Contact 01825 768012 mes...guaranteed eat times...guaranteed For further information: Liz Varney Tel: 01435 830212 Fax: 01825 768012 Email: lizzie@catastrophescats.org Email:Bakers lizzie@internationalanimalrescue.org Half Moon Cottage, Lane, Dallington, Heathfield, East Sussex, TN21 9JS Email: lizzie@internationalanimalrescue.org Registered Charity Number: 1017304 00500 803 400500 Tel. 01435 830212, FaxWe’re 01825 768012, Email: lizzie@catastrophescats.org Registered Charity Number: 1017304 social, join usWe’re on social, join us on Registered Charity Number: 1017304 uk w.tlh.co.uk sales@tlh.co.uk sales@tlh.co.uk

eisure elgrave Resort, Rd, Torquay, Belgrave TQ2 Rd,5HS Torquay, TQ2 5HS

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RETIREMENT

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Retirement Today Summer 2021

Articles inside

Do you really need a will?

What’s On

What’s On

Born to be Wild

Perfect English Style-Patina

Mortar & Pestle

Shakespeare’s Gardens

Update

Money and Budgeting