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September 2013

Issue 76

Chesterfield 1st..

1st Mags

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Chesterfield 1st Issue 76 September 2013


A warm welcome to September 2013’s issue ...

Chesterfield 1st! Is delivered free to a massive 30,000+ homes and businesses in and around Chesterfield and reaches in excess of 105,000 local people, it contains lots of regular features, competitions from local businesses and an ever increasing choice of reliable local trades people and service providers.

Publisher: 1st Mags Editor: Paula Yeates Design & Layout: Chesterfield 1st Sales & Advertising: Paula Yeates Kay Yeates

Our aim ‘To promote local business and keep our business local!’

Advertising: 01246 828074 Enquiries: 01246 828378 Email: Web site: Post: The Brambles Station Road, Bolsover, Chesterfield, S44 6BH Deadline: For October’s issue is Weds 25th September Disclaimer: While we make every effort to ensure that the content in this publication is accurate and reliable, neither the publisher or its contributors can accept and hereby disclaim, any liability for the veracity of any claims made by our advertisers or contributors. All rights reserved. The contents of this publication, in part or as a whole, may not be reproduced or transmitted in any form without the express permission of the publishers.

All major credit / debit Cards accepted

Why use out-of-town traders when we have a wide variety right here within our own communities? These local trades people, businesses and service providers offer a local, friendly, reliable, competitive and convenient service. Before looking farther afield for your services please check out our index of local advertisers on page 30 and keep Your business local. We are also online at: so check out our web site for the very latest info and an expanding directory of local businesses. We would like to make it very clear that Chesterfield 1st/1st Mags are completely self funding and Independent. We have no affiliation to any other publishing company.

If you are a local business looking for a cost effective and productive way to advertise your services, then please check out our very affordable prices on page 31 or give me a call for a friendly tailored solution to your advertising needs. Design and art work are FREE! 1st Mags now produce six other issues - ‘Chesterfield South 1st’, ’Bolsover 1st’, ‘Mansfield 1st’, ‘Worksop 1st’, ‘Dronfield 1st’, & ‘Sheffield 1st’ - offering targeted marketing via a smaller circulation of 7 to 11,000 copies; for area details, prices and to view this months issues see our website - or request a media pack.. Can you afford not to advertise your business with us?? (Full details of our delivery areas are available on our web site)

Don’t delay call today or text ‘advert’ to 07581 366 873 and I will call you right back. Until next month...

Editor Chesterfield 1st Helping to keep our local communities thriving!

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JUDGE JANE... Those of you who read this column their fear of destitution and social shame regularly will know that during the past will force them to accept any crumb. We 18 months my other half and I have been owe it to those who fought hard in the forced to make some huge changes to most dreadful of circumstances not to let our life as a result of the impact on us of these benefits be taken away from us the unbelievably reckless and negligent again. To do this we need to educate decisions being made by the present ourselves to the consequences of such government. I belong to the growing losses. group of people who know all the cuts are For example and following on from the unnecessary, the excuses for them bogus revelations that most very large and in some cases just blatant lies. corporations are successfully able to I know it will cause enormous and wide avoid paying taxes the rest of us pay there long term damage to the economy of this is the scandal of “zero hours” contracts. caused the crisis. country generally and I am shocked there While these are not new forms of None of those big names have yet remains so little organised public outrage. arrangement the manner in which they appeared in Court despite them having If our tax system was simplified and are now used and by whom, is. There is presided over lots of illegal activity. Their everyone paid their share so we had the a logic to having people working as ability to hide behind the noise of the basics we need for everyone the future casual labour in seasonal or short term public skapegoating of victims of the would look very different. Things we now contract arrangements for example. I am financial crisis is very useful and take for granted such as free health care, struggling to see how Sports Direct, extremely cynical. I know I bang on about education and other necessary welfare MacDonald’s etc can justify having it regularly but, that’s because I remain supports will diminish and in some parts 80/90% of its workforce on this type of rightly angry that spineless politicians are of the country disappear altogether. contract however. But, once you unwilling to take on the banks and Investment into our vital transport understand what a variety of business punish the people who have trashed the systems is now so minimal as to render costs they avoid – in addition to the taxes global economy and the lives of millions virtually the whole arrangement unfit for they circumvent it all makes sense. The of ordinary people. purpose. As for the heating, light and hidden social costs of being reliant for an As we enter the final quarter of the year water arrangements – so much is income on such an arrangement is still and I reflect on a conversation with a siphoned off into the pockets of the many being obscured by the relentless attacks friend who is a local Roman Catholic links in the chain of delivery as to render on the characters of those not in priest I note he is concerned about how them of greater benefit to the shareholder employment and needing assistance from they will continue to support the people than the consumer. My generation was the state and who are often forced into they are currently helping with food the first to benefit from the hard fought those jobs. The place to discuss the parcels. The fact we are even having that campaigns that brought us the Welfare legalities arising from this horrific conversation is a disgrace when we live State and which saw large, essential arrangement is elsewhere but, the moral in one of the most privileged parts of the areas of the economy in public ownership argument needs to be taken up where world. for good reason. As I was watching the possible by us all as – be under no If you have a story to tell about how your recent TV program called “The Mill” I was illusion - it will ultimately impact everyone. life is being impacted by the cuts, reminded of how relatively recently these While I contemplate my own survival plan corporate greed and/or mismanagement changes were implemented and how I note that what’s also missing in all this of public services by private contractors rapidly they are disappearing again. It public outpouring about corporate greed you can email me with them at was and remains easy to exploit people if is any new news about bankers who


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Chesterfield Food and Drink Awards Chesterfield College has been announced as the headline sponsor of the town’s first ever Food and Drink Awards. The College is also joined by Mr Sparkles, Jumble Design, Franke and Derbyshire Nottinghamshire, Chamber of Commerce as category sponsors. Officially launched by organisers Destination Chesterfield in July earlier this year, there are ten categories in the awards, which are designed to celebrate the wealth of eateries, pubs, bars and food producers that have established themselves in the town. As well as being headline sponsor, Chesterfield College will also host the awards ceremony at its Heartspace building later this year. Trevor Clay, Principal of Chesterfield College, said: “We’re delighted to be part of the Food and Drink awards, celebrating the amazing culinary achievements of the region. Our Catering and Hospitality department link closely with a large number of employers across the area and our students are continuing to gain opportunities in the industry, be it on either a work placement, part-time work, an Apprenticeship or full-time position. This being said, we’re proud to be hosting the awards ceremony in our Heartspace building in recognition of the superb Food and Drink businesses across Derbyshire.” A panel of judges will ‘mystery shop’ establishments put forward by the general public and rate them against a set criteria. Entries open on the 19th August for the ten categories: • • • •


Restaurant of the Year Café of the Year Gastro Pub of the Year Customer Service Award

• • • • • •

Chesterfield producer of the Year Pub of the Year Best Newcomer Best out of Town Young Chef of the Year Chef of the Year

Dominic Stevens, Manager of Destination Chesterfield explained: “We wanted the Food and Drink awards to be a true reflection of everything culinary the town has to offer. The ten award categories cover everything from great customer service and emerging talent to, of course, fantastic tasting food and drink. Whether it’s a business lunch or night out with friends and family, supporting the awards is an excellent way for businesses to recognise the valuable role Chesterfield’s food and drink industry plays in our personal and professional life.” If you are interested in sponsoring an award category or entering the 2013 Chesterfield Food and Drink Awards, visit or contact Dominic Stevens on 01246 207207 or email

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Becky’s Movie Previews We’re coming up to the colder months now so let’s see what’s hotting up in the cinema in September.

Coming Soon… carrying a new breed of mercenary, the other is captained by a man from Riddick’s past. But all is not lost as Riddick unleashes his attack of vengeance before returning to his home planet of Furya to save it from destruction. As with the previous two, Vin Diesel is back at what he does The third in the ‘Chronicles’ best. He brings to life the big, series, we join Richard B. Riddick brawny character of Riddick and where we last saw him, still on the after seeing him racing cars in run from mercenaries who are after recent years this should bring a the bounty on his head. He is left for welcome change. dead on a sun-scorched planet and finds he is up against an alien race of predators. Even worse, there are Release Date: 04.09.13 two ships heading his way, one


Rush Directed by Happy Days alumni Ron Howard comes a film based on the real life events that took place during the 1976 Formula 1 racing championship. The story follows the rivalry between British driver James Hunt and Austrian Niki Lauda. There’s car racing, womanising and cross words thrown around in the on-going competition between the two drivers. Then, after a catastrophic crash at the German Grand Prix in ’76 that almost claimed his life, Lauda returns to face Hunt in the pursuit of the World Championship in Japan. Some familiar faces with Hunt being played by Chris


Hemsworth who was recently seen playing Thor in Avengers Assemble and also in Snow White and the Huntsman. Playing his rival Niki Lauda is Daniel Bruhl a Spanish born, German actor. He was featured in Inglourious Basterds and The Bourne Ultimatum. It was filmed on location in the UK and at the Nurburgring in Germany. With vintage and replicas of the original vehicles used as well it is sure going to look the part if nothing else. Release Date: 13.09.13

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About Time

Hallows Part 1 and 2) having another unsatisA new bittersweet story fying and lonely from the king of the British New Year’s Eve Rom Com, Richard Curtis (Four and being told Weddings and a Funeral, Notting by his father, Hill, Love, Actually). Although this Bill Nighy (Love may not be the conventional Actually, The romantic love story we’re used to getting, we get a bit of sci-fi to boot. Boat That Rocked) that Don’t get me wrong, the men in their there is a love story involved but that isn’t the only focal point of the family have the film. There is also time travel. It may ability to time travel. After seem a little different but it seems like it’ll work. It seems to be similar being given this information Tim to The Time Traveller’s Wife kind of decides to deal except from others being improve his life aware of the travelling. Strangely by getting a girlfriend. With lots of enough, this also stars Rachel turns, McAdams as the female lead. complications and The story begins with a numerous attempts to get things 21 year old called Tim played by Domhnall Gleeson (Anna Karenina, right he does meet Mary played by McAdams (The Notebook, Time Harry Potter and The Deathly

Release Date: 04.09.13

R.I.P.D Now for something a little different. This film stars Ryan Reynolds (The Green Lantern, The Proposal) and Jeff Bridges (True Grit, The Big Lebowski) as partners on a police force that’s not what you usually see, because they’re dead. The title of the film and their division stands for the Rest In Peace Department. Their job is to police the bad souls that cause trouble in the afterlife. After Boston detective Nick Walter (Reynolds) is murdered, he’s recruited and put with Roy Pulsipher, a United States Marshal from the Wild West who’s also a veteran RIPD officer. As well as policing the undead, Walter also has to find the man who killed him. Kevin Bacon (Footloose, Frost/Nixon) takes a Chesterfield 1st

Traveller’s Wife). But Tim has to learn that even when you have the ability to change the course of your life, there will still be heartache and loss along the way.

September 2013

break from the EE Orange mobile adverts to also star, playing Reynolds former partner when he was alive. Bridges brings his usual laid-back, slow southern drawl voice which lends itself perfectly to his character of the rough-around-theedges cop, but dead. One to watch if you enjoy cop and crime films but are maybe looking for a little bit of a change. Release Date: 20.09.13


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Property News HMO - WHAT IS IT? House in Multiple Occupation Do you live in, or do you own a House in Multiple Occupation? An HMO can be either: ● A house split into separate bedsits. ● A shared house or shared flat, where people have separate renting agreements. ● A hostel. ● A bed-and-breakfast hotel that isn’t just for holidays. ● Shared accommodation for students. It may not be easy to work out whether you're living in an HMO, so get advice if you're not sure. Below are some basic guidelines that can be used to check if your home is an HMO. ● Three or more unrelated people live there as at least 2 separate households – for example, 3 single people with their own rooms, or 2 couples each sharing a room. ● The people living there share basic amenities – for example, a kitchen and/or bathroom. If you rent a House in Multiple Occupancy, your landlord will have extra responsibilities, and may even require a license. Some of these responsibilities include: ● Proper fire safety measures are in place – there should be smoke detectors in every bedroom and in communal areas, and the kitchen must have a heat detector ● Annual gas safety checks are carried out ● Electrics are checked every 5 years ● The property is not overcrowded ● There are adequate cooking and washing facilities ● Communal areas and shared facilities are clean and in good repair ● There are enough rubbish bins for everyone living in the house. These rules are there to reduce the risk of fire, and to make sure that people living in shared houses or flats have access to decent facilities. Due to the additional requirements and/or license, many agents do not offer HMO’s, so you may need to find a specialist agent if you are wanting to rent one.



Landlord Tip: When looking for an agent to help manage your property, ensure you check all the charges thoroughly before agreeing to a contract. Some agents have hidden charges and fees that are not obvious, but may end up costing you a lot of money.

Tenant Tip: When looking for a place to rent, ensure you know what the agent fees are before you make an application. Some agents have hidden fees, such as credit checking fees, guarantor referencing fees, tenancy renewal fees, and charges to issue a reference when you move out.

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The Owl and the Pussycat went to… the wife needed to prove that one of them was domiciled in England at the time the petition was lodged – which she did. The judge deemed that they both were; she because, despite being born in India, she chose to live in England with no intention of returning to India (the move to Singapore was temporary) and he; because his father had acquired a domicile of choice in England before he was born, having had no intention of returning to India. Michelle Cooper, partner and head of Graysons WE’s family department says “We are seeing more and more cases where the issue of jurisdiction is important. In and, in a case highlighting the complexity of jurisdiction in divorce a multi-cultural world parties may cases, they racked up a legal bill of have several options about where they issue the divorce. It's so £860,000. important to be quick off the mark where there may be a dispute and Meeting in London in December 2008, the couple, rather like the owl where one party may get a much more favourable outcome in one and the pussycat who ‘sailed away country than another. Often the first for a year and a day’, married in to court of choice secures the place December 2009 and their son was where the divorce is heard. I born in December 2010. The recently had a case where this was relationship went downhill and, in an important issue and had to September 2012, when the couple lodge papers at court very quickly were living in Singapore, the wife issued a divorce petition in London, to make sure the English court could deal with it. taking her son back to England – The judge dealing with this case illegally. described the fight over which The battle as to which county the country should hear the case as 'a divorce should be heard in began. Worth around £4 million (much of it story of human tragedy' and begged them to concede that the property investments made by the London court could deal with the husband before they married), the financial settlement rather than husband was an international continuing their battle. Although lawyer and the wife a paediatric wealthy, the couple could not afford anaesthetist . She was born in to squander that wealth on India, coming to England in her litigation costs. Here at Graysons twenties. She believed she would WE; we encourage clients to work in get a better settlement in the a conciliatory and cost effective way English courts and her husband, wherever possible. However, there who was born in England of an are always couples for whom Indian father, thought it would be litigation seems the only way more favourable for him for the forward, and we work closely with divorce to be settled in India. So,


Michelle Cooper, partner and head of family department at Graysons WE

Michelle Cooper

them to help get the best result in the most effective way possible. We are certainly not strangers to complex and high value cases. In this case, of course, despite the huge financial impact on the couple’s finances already, the final decision as to who gets what has yet to be resolved, and the husband will certainly have to make fair provision for his son and his wife.” So, whilst it looks like the couple took ‘plenty of money’ to Singapore with them, they are unlikely to be ‘dancing by the light of the moon’ at the end of the trip. For advice and assistance on any divorce or family matter please contact our award winning family law team on 01246 511695, or email and we can arrange a confidential meeting to discuss your options.

Recommended in the Legal 500 2012

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The Beatles Perhaps the most famous, commercially successful and critically acclaimed British rock band ever, The Beatles redirected the history of western popular culture and music. The style was rooted in skiffle and rock, but developed into an innovative, sophisticated and genre-busting musical idiom as the group’s songwriting skills, range and musical intelligence grew. Singles hit included She Loves You, Can’t Buy Me Love, and A Hard Day’s Night, but The Beatles’ legacy was assured by a sequence of revolutionary albums. In their early days as a gifted, wisecracking rock-and-roll group, The Beatles revolutionized the sound and style of British popular music with their original and catchy synthesis of rock music, rhythm and blues. They first appeared in the clubs of Liverpool - their home city - and Hamburg. On the way, they lost two early band members - bassist, Stuart Sutcliffe and drummer, Pete Best. They acquired drummer, Ringo Starr, in 1962 to make up the Fab Four of fame and fable. Molded by manager Brian Epstein from 1962, they adopted their signature mop-head haircuts and collarless suit jackets and were signed to the EMI Parlophone lable by prescient music producer, George Martin. Thie debut album Please Please Me, recorded in a single session at the iconic Abbey Road Studios, became their first No. 1 hit. In total, 11 studio albums and 17 singles went on to reach the top spot in the British charts - an astonishing record. Beatlemania went global, when the band toured the USA in spring 1964 and they entered the movie world with their mock-documentary A Hard Day’s Night (1964) and its successors

Help! (1965) and A Magical Mystery Tour (1967). A succession of landmark albums followed. Rubber Soul (1965) featured elements drawn from the contemporary US folk scene and went and from world music, notably in its use of the sitar, while Revolver (1966) further extended their range, from classical to psychedelic rock. The phenomenal concept album Sgt. Pepper’s Lonely Hearts Club Band (1967) is regularly listed as one of the greatest albums of all time. A creative period of transcendental meditation at a retreat in India led to The White Album (1968, formally called The Beatles). However, it also increased personal tensions within the group, which became focused on John Lennon’s relationship with the artist, Yoko Ono. Two further acclaimed albums followed, Abbey Road (1969) and Let It Be (1970), but in April 1970, Paul McCartney announced he was quitting the band and he filed for formal dissolution at the end of the year. All four members went on to make solo albums and McCartney developed a hugely successful post-Beatles career. In the years that followed the band’s dissolution, two tragic events happened. Lennon was killed in 1980 in New York City and George Harrison Died of cancer in 2001. Founded January 1960 Disbanded 1970 Members: George Harrision 1943-2001 John Lennon 1940-1980 Paul McCartney 1942-Present Ringo Starr (born Richard Starkey) 1940-Present

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September Gardening feeders and birdbaths topped up to encourage more birds to visit your garden as autumn sets in. With the ideal planting conditions of autumn (warm moist soil), now is the time to plant September is generally a cooler, container grown windier month than August and the shrubs,trees, fruit days are noticeably getting shorter. bushes, perennials While there's not as much to do in and bulbs. The key to the ornamental garden at this time successful planting is of the year, if you have a fruit or to water in well. Soak the rootball in vegetable patch, you'll be busy a bucket until no air bubbles come reaping the rewards of your hard to the surface, dig the planting hole, work. It is also time start planning fill with water and allow to drain your spring-flowering displays. away. Place the plant in the hole, fill Get daffodils in by mid-September, with soil, firm gently and water well along with fritillaries, crocuses and grape hyacinths. Tulip bulbs are best with a watering can - this will give the plant a great advantage over left until November. one planted with a dry rootball in a Don't miss out on ordering your dry hole and watered only on the container / barerooted fruit, surface. ornamental trees and hedging in Prune climbing roses and rambling preparation for planting later. roses once they've finished flowering Perennial weed are at their most (unless they are repeat-flowering, in vulnerable so now is a good time which case leave them). It is also to eliminate them, use a good systemic weed killer and only apply important Keep your Camelias and Rhododendrons well watered at this as directed and never on windy time of year to ensure that next days. year's buds develop well. As Migrant birds such as swallows Remember to remove the three D'S and house martins will begin flying any thing that is DEAD, DISEASED, or south for the winter so keep bird

DECAYING on all your plants regardless of variety. If you need any advice or quality garden plants and products then visit us at Doncaster road langold, always happy to help.


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Signs of Local Housing Recovery.. Britain’s housing recovery evident in the East Midlands Chesterfield is ‘top of the wish list’ for many buyers

Paul Walters, associate director at Miller Homes East Midlands Signs of the UK housing market’s " which is meaningful recovery" are evident in the building more homes would stimulate the developing East Midlands town of Chesterfield two, three and local economy and bring in more according to Destination Chesterfield. business and customers. four bedroom houses at The Developer Miller Homes East Midlands The buoyant housing market has resulted Portlands, the has described Chesterfield as being “at in a great pool of talent for all types of site of the the top of the wish list for many couples, business, from world leading specialist former families and individuals looking to buy.” manufacturers and multi-national Chesterfield Panthers Rugby Club, said: communications companies to retailers “Since opening the sales centre we have Miller Homes is one of a number of and distributors. had a phenomenal level of interest in the developers currently building more than new development, reflecting the 200 new in the borough, with more Keen to support residents, investors and planned on a 1.94 hectare site of a former Increasing buoyancy in the market.” local business, the council has put in school. place a Local Plan which identifies the Miller Homes is averaging one sale a number of new homes it will need over week at The Portlands, with all properties In addition to new build, estate agents in the next 20 years. John Burrows added: the town are also reporting an increase in having been purchased off plan ahead of “The current new build developments will the showhomes being opened. sales and instructions with a new agency go a long way to provide the homes we opening in the town less than eight need for the people we expect to see To further reinvigorate the local housing months ago to meet demand. living and working here, supporting market, Chesterfield Borough Council business who choose to invest here by recently put in place a Local Authority Redbrik, which opened in Chesterfield in providing a ready pool of employees.” Mortgage Support Scheme to help first January 2013, reports a buoyant housing time buyers in Chesterfield get their foot market, with as many as ‘three or four John Burrows, on the property ladder. potential buyers making offers’ on some added: “We could properties in the west side of town. have chosen to Councillor John Burrows, Leader of bunker down and Chesterfield Borough Council and Vice Mark Ross, ride out the Chair of Destination Chesterfield, said: partner of recession, but we “We are currently seeing significant Redbrik, didn’t. We chose to investment in housing. Chesterfield is on said: “We be proactive and the up and we have made significant are forge ahead with investment to attract people to the experiencour marketing borough. The town offers good transport ing higher plans and this links and a friendly, safe environment confidence shows in the recent employment, tourism levels in the which is popular with families, many of market right which choose to locate here thanks to our and retail figures.” variety and wealth of affordable housing, now, with Since launching the town’s marketing greater num- good schools and opportunity. campaign in September 2010, against the bers of backdrop of a cool financial climate, The variety and affordability of housing in viewings Chesterfield has shown growth across the Chesterfield has been a contributory and an board and bucked the national trend for factor in attracting a number of investors increase in and employers, including Debenhams and declining high streets with unemployment mortgage approvals contributing to a decreasing by 0.5% during this time. TK Maxx in the town centre and Ready great start for Redbrik and helping us Egg, Squadron Medical and Andrew Page achieve over 100 instructions in half the Funding for Destination Chesterfield has Limited at its 200 acre commercial park, time we expected.” been secured from the European Regional on the M1, Markham Vale. Development Fund (ERDF), Chesterfield Mark reports an increase in house prices Borough Council and the local business Earlier this year *research by the National across the board in Chesterfield, with community until December 2015, Housing Federation found that 73% of properties in key school catchment areas ensuring the marketing campaign’s East Midlands employers agree that being up as much as 5% compared to on-going success. last year.


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25 new Ambassadors all set for Chesterfield Chesterfield has recruited 25 more willing volunteers to sing the praises of the town, bringing the total of ‘ambassadors’ to 125. The volunteers join the town’s Ambassador Scheme ahead of the influx of tourists over the summer. The new ambassadors include frontline staff from the town’s businesses, including restaurants, museums, banks and Chesterfield Borough council employees. They join local residents, traffic wardens and sales assistants to name but a few, who have previously signed up to the voluntary, unpaid scheme. Chesterfield Ambassadors is the brainchild of the town’s marketing campaign Destination Chesterfield, and is designed to ensure that all visitors to

the town have a great time here and leave with a positive impression. Dominic Stevens, Destination Chesterfield Manager explained: “We have marketed Chesterfield a as place to live, work and invest in during the last two years. Many businesses and people have chosen to locate here and this, coupled with an 11% increase in tourism, ensures that our Ambassadors play a vital role in helping market the town positively. The Ambassadors Scheme is about ensuring all visitors – whether tourists or here on business - leave with a positive opinion of Chesterfield and are excited, like we are, of our plans for the future.” The latest ambassadors recently

underwent training to ensure they were all equipped with the latest news, facts and figures about the town – from how many tiles are on the iconic church spire to information about the town’s regeneration plans alongside the importance of good customer service. Ambassadors then receive regular updates about the town on events, developments and local news. The two-hour training workshop took place at the Town Hall and was developed with Chesterfield Champion, Evolution Training. If you’re interested in becoming an ambassador, visit to find out more.

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You should only consider investing with them is more important than being able to predict them. Because no one will in something that you understand. Past performance should have nothing to do be able to predict them all. with the decision. Tune out the majority of news. The perfect investment doesn't exist. A 24-hour news cycle is built for Gold, often touted as the bastion people who can't see more than 24 hours ahead. That's why a long, slow, but of stability, fell nearly 70% from the 1980s through the early 2000s. Treasury very important rise in domestic energy production is rarely mentioned, but when bonds lost 40% of their inflation-adjusted value from the end of World War II the Dow falls 20 points, it is MUST-READ through the early 1980s. Stocks, nearly BREAKING NEWS. The majority of unquestioned as the greatest investMost people's relationship with people in financial services don't daily business news should be either (A) ments in 2000, fell 40% by March 2009. have your best interest at heart. Sad but It’s falling now. And real estate ... well, nonexistent -- ignore it all -- or (B) true... you know. something that incrementally helps you The City is a mecca for some of the understand how the world works but Investing is risky. Bad things nation's smartest students hailing from happen eventually happen to all assets. rarely compels you into action. the best universities. And let me tell you: Valuations get out of whack, industries Emotional intelligence is more Few of them go into finance because change, managers screw up, politicians important than classroom intelligence. they want to help the world allocate make terrible decisions, and things don't Take two investors. One is a rocket capital efficiently. They do it because they scientist who aced his SATs and can always work out as expected. want to get rich. And the fastest and Diversification is key. As is patience, an recite pi out to 50 decimal places. He most reliable way to get rich on the open mind, and an ability to ignore trades several times a week, tapping his square mile isn't to become the next crowds and hype. intellect in an attempt to outsmart the Warren Buffett. It's to find people gullible market by jumping in and out when he's enough to pay outrageous fees and determined it's right. With the above in mind we will be commissions on products that rarely beat The other is a country bumpkin hosting a FREE Financial Bootcamp a basic index fund. who didn't attend college. He saves and seminar in September to help those IBM estimates that global money invests every month in a low-cost index interested understand the way of the managers overcharge investors by $300 fund come hell or high water. He doesn't Financial World. I can guarantee it will billion a year for failing to deliver returns care about beating the market. He just be time well spent! Register your interest above a benchmark index. If you think wants it to be his faithful companion. by calling us on 01246 205016 or the regret and shame these managers Who's going to do better in the long run? contact me directly at feel is stronger than the joy they get from I'd bet on the latter all day long. driving their Lexus to their beachfront "Investing is not a game where the guy home, I have some snake oil to sell you. with the 160 IQ beats the guy with a 130 Don't try to predict the future. A little IQ," Warren Buffett says. Successful more than a decade ago: investors are those who know their Ÿ Greece was strong. limitations, keep their heads cool, and Ÿ Russia was bankrupt. act with discipline. You can't measure Ÿ Oil cost $13 a barrel. that. Ÿ AOL dominated the Internet. Forget about past performance. Ÿ Smart economists thought the Whether it's a stock or a fund, one Ÿ government would pay off the debt of the worst (but most common) ways to by 2009. size up an investment's potential is by Ÿ Mark Zuckerberg was in middle looking at past returns. school. A stock that's gone up a lot in Ÿ Y2K (the millennium bug) was a recent years doesn't say anything about major worry. where it might go over the next few years. Ÿ Fortune named Enron one of In fact, investments that have done exAmerica's "most admired ceptionally well in the recent past might corporations." represent a red flag, as they have a Ÿ Apple was a joke... higher likelihood of being over hyped The coming decade will be filled and overvalued. (The Money Coach) with just as many shifts. Learning to deal Cheetham Jackson Ltd are authorised and regulated by the Financial Services Authority.


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There is great value in our Night Time Economy As a small business owner for over 25 years in Chesterfield, as well as a member of the Federation of Small Business, I feel positive about our town’s future. The housing market is picking up and our town centre is surviving these difficult times. Best of all though, the sun has been shining, giving us the opportunity to see just how well managed and pretty our town is. It is not only the market stall holders that benefit from the warmer weather, it is also a great opportunity for the town’s night time economy as more people venture out to socialise, whether it’s for a drink, a meal, a show or clubbing. Unfortunately this is against the backdrop of frequent national headlines warning of the British Binge Drinking Culture’, a town’s evening economy can be under appreciated, even feared. However, did you know that our town is one of the safest in the UK to socialise in? This is because here in Chesterfield the responsible bar and club owners, as part of their licensing objectives, work closely with the authorities to ensure that we have a vibrant and safe night time economy. Often problems stem from outside forces, such as cheaply sold alcohol leading to ‘pre-loading’. This is an official term which refers to consuming

substantial quantities of alcohol in an unregulated environment. Recent information suggests that this could be a contributing factor to an increase of incidents in alcohol related crime in the suburbs and the wider community. Any negative perception of night time socialising within our town centre should be seen as historical, we must not let any misconceptions overshadow the significant contribution our well managed and properly regulated night-time economy makes to Chesterfield town centre. Chesterfield’s privately run bars, restaurants and clubs employ hundreds of local people. These businesses also invest millions of pounds in the development and maintenance of quality, safe venues in Chesterfield. In turn, they support many businesses and services in the local economy such as public transport, taxi companies, clothes shops and hair and beauty salons and many other small local retail businesses. Add this to the list of local plumbers, builders and electricians we all use and you have a complex system of cross-trade synergy. This symbiotic relationship then allows the profit generated by these small businesses to be pumped back into the local

Mr Jason Hill Chair of the Corporation Street Group Member of the Federation of Small BusinessAnd Chesterfield Champion

economy, driving growth in our area rather than being taken by multi-national companies. Chesterfield now has a valuable social scene with a wide and varied selection of privately run bars, Real Ale pubs, clubs, gastro pubs, wine bars, cocktail bars and restaurants. We deliver so much more than just a place to have a drink. There are many types and styles of cuisine on offer, as well as exciting choices of live music and DJs within varied and different surroundings, ranging from the sumptuous elegance of a cocktail bar to the traditional cosiness of a real ale pub. There truly is something for everyone in our lovely little town of Chesterfield. Against the odds we have one of the safest and buoyant towns in the UK with a great and exciting night life. Well done everyone. Enjoy it!!

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ADVERTISER INDEX Advertising Aerials Artist Awnings Bathrooms Beauty Beds/Bedrooms Blinds Builders Canopies & Porches Carpets & Vinyl Car Services Charity Childcare Chiropodist Churches Classifieds Cleaning Services Clubs Complementary Therapy Computers Cycle Service/repairs Decorating Dog Grooming Electrician

21,31 22 23 8 7,9 22 9 22 9,22,23 8,9 22 1 11,17,22 26 29 6 22,23 2,11,23 21,23 12 22 22 9,10,22 8,11 23

Entertainment Features Fencing & Gates Financial Services Flooring Foot Health Practitioner Garden Services Guttering & Fascia Handyman Services Holistic Therapy Hydroponics Insurance Joinery Judge Jane Kitchens Lawyers Leaflets Letting Agent Loans Man & Van Marketing Martial Arts Massage Mediation Movie Previews

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23 13,21,25 12 9,22 1,22 9,11,23 3,8,10,22,25 29 26 7,9,23 16 1,23 12 26 9,19 21 27 28 9 2 12 9 8,25

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1st Mags Mags 1st 17 Horse colouring 1st Mags Mags (4) Across 1st Mags Mags 1st 1st 1st Mags Mags 1st 1st Ma Ma 1st 19 Family surname in 1 Mission (6) 1st Mags Mags 5 Twist out of shape (6) The Darling Buds of May (6) 1st 1st Mags Mags 1st 1st Mags Mags 1st Mags Mags 1st 8 Japanese wrestling (4) 20 Strong restless desire (4) 1st 1st Mags Mags 1st 9 Large shrimp sauteed 21 Entice (4) in butter and garlic 22 South American animal (5) 1st Mags Mags 1st 1st Mags Mags 1st 1st Ma Ma 1st 24 State of being under the (6) 1st Mags Mags 1st 1st Mags Mags 1st control of another (6) 10 Express in speech (5) 1st Mags Mags 1st 11 Thai monetary unit (4) 25 Highway (4) 1st Mags Mags 1st 1st(4) Mags 1st Mags 1st Mags Mags 1st 26 Breakfast food (6) 12 Handle of a sword Down 1st Mags Mags 1st 27 Pine leaf (6) 13 Orb (6) 2 Stick fruit (7) 1st Ma M 1st 3 In the vicinity (5) 1st 1st Mags Mags 1st Mags Mags 1st 4 Powdery dirt (4) 1st Mags Mags 1st 1st Mags Mags5 Former British Prime 1st st Mags Mags st 1st Mags Mags 1st Minister (8) 1st Mags Mags 1st Mags Mags 1st 1st 1st Mags Mags 1st 6 Plume (7) 7 Dampen (7) 14 Being everywhere 1st Mags Mags 1st 1st Ma Ma 1st 1st Mags Mags 1st 1st Mags Mags Equidistant (8) 1st 1st Mags Mags 1st 15 Relating to or Mags Mags 1st Mags Mags 1st 1stofMags Mags 1st consisting water (7) 1st Mags Mags 1st Mags Mags 1st 1st 16 Raise to a higher position (7) 1st Mags Mags 1st 1st Mags Mags 18 Letters and packages 1st Mags Mags 1st 1st 1st Mags Mags 1st 1st Mags Mags 1st Please find us on Facebook for puzzle solutions!! Transported by plane (7) 21 Above average in size (5) 1st Mags Mags 1st 1st Mags Mags 1st 1st Mags Mags Mags 1st Mags 1st Mags Mags 1st 23 Expression used at the

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Disclaimer: While we make every effort to ensure that the content in this publication is accurate and reliable, neither the publisher or its contributors can accept and hereby disclaim, any liability for the veracity of any claims made by our advertisers or contributors. All rights reserved. The contents of this publication, in part or as a whole, may not be reproduced or transmitted in any form without the express permission of the publishers. Finally we would like to make it very clear that 1st Mags are completely independent and are not affiliated to or associated with any other publishing company.

1st Mags

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The Affordable Advertising Alternative

Chesterfield 1st september 2013 issue 76  

Local advertising magazine delivering 30,000 copies every month to the borough of Chesterfield

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