Chesterfield south 1st february 2014 issue 21

1st Mags

FREE! Please take your copy

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Chesterfield South

Published By 1st Mags

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s e n i t n ale y

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MU DIS LT CO IP UN LE T Pet Microchipping in the Comfort of Your Own Home PE S F T A OR PP TS

MicroChipSmart

ALL dogs will be required to be micro chipped by April 2016 We come to you - Less stress for you and your pets Fully qualified and accredited Micro Chip Implanter - Fully Insured FREE Registration & online account for changes of ownership Appointments to suit you - dogs, cats & rabbits Discounts for multiple pet appointments or why not get together with friends Groups and clubs welcome - discounts apply after first implant ÂŁ25 for first pet - ÂŁ15 for any additional pets (no limits)

07581 366 873 or email info@microchipsmart.co.uk

Visit our web site - www.chesterfield1st.co.uk

We May be SMALL but We’re Read By ALL..

Chesterfield South

February 2014

WELCOME Chesterfield 1st South!

1st

Our Magazines are delivered free to a massive 84,000+ homes and businesses in and around Chesterfield and reach in excess of 294,000 local people, they contains lots of regular features, competitions from local businesses and an ever increasing choice of reliable local trades people and service providers.

1st Mags Paula Yeates

Our aim ‘

Chesterfield 1st

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.

Paula Yeates Kay Yeates 01246 828074 01246 828378

We are also online at: so check out our web site for the very latest info and an expanding directory of local businesses.

Paula@1stmags.co.uk paula@chesterfield1st.co.uk Kay@1stmags.co.uk

We would like to make it very clear that completely self funding and Independent. We have no affiliation to any other publishing company.

www.chesterfield1st.co.uk The Brambles Station Road, Bolsover, Chesterfield, S44 6BH For March’s issue is Weds 26th February While we make every effort to ensure that the content in this publication is accurate and reliable, neither the publisher or its contributors can acceptand 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.

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 issues - ‘Chesterfield 1st’, ‘Chesterfield 1st North’, ‘Chesterfield 1st East’, ‘Chesterfield 1st South’, ’Bolsover 1st’ & ‘Dronfield 1st’, offering targeted marketing via 10,000 to 14,000 circulation magazines; 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...

Delivery Competition Just enter our monthly competition to be in with the chance to; Win £25 Cash!

To Enter Just Email/Send Us The Date You Received This Magazine Along With Your Street Name, Town & Contact Details!

Our regular monthly features are provided by local business owners with expertise in their Field - our thanks for your input.

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Does Lunch

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2011 Runner-Up

2011 Runner-Up

Best Small Family Business

Best Small Family Business

VISIT OUR FOUR LARGE SHOWROOMS Customers Own Car Park or RING FOR OUR FREE HOME SELECTION SERVICE

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1st Mags

February 2014

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JUDGE JANE... there is growth in the economy Henrik Ibsen a Norwegian playwright once said “home life especially as the IMF is “smiling” ceases to be free and beautiful as on them now. This is not a lie. soon as it is founded on borrowing However, the reasons they give and debt”. His plays written in the for growth are untrue and the middle of the 19th Century have security of our economy remains storylines that are timeless and one in jeopardy. The “growth” they are in particular called “An Enemy of talking about is fuelled by the the People” was made into a film in increased amount of 1978. The story is about a small borrowing taking place again town in Norway which, following a particularly in the property massive investment of local money market. Unrestrained credit availability caused the global into the building of a Spa is economic crash which has led to expecting a tourist explosion. the current state of near economic Shortly before the opening it is stagnation. A lending guarantee by revealed that a local tannery business has dumped its waste into government to prospective home the water source causing major owners and a rise in personal debt is not a positive thing and there has contamination. Predictably the story reveals how those who wish to been a warning from the latest Bank of England Governor that it profit from the situation are prepared to go to any lengths to will fuel another crisis. There is also the boomerang effect of austerity. achieve their goals including encouraging neighbour to attack The initial benefit it offered to those neighbour and families to war who make profits out of people on within.

Pretty soon everyone is low wages which enables them to blaming the wrong people for the cut costs to the consumer via lower problem providing a distraction for overheads in production is coming to an end. There is only so long that the real culprits to use to their consumer items can be sold either advantage. almost at cost or at a loss. Where The lessons of history are not initially big businesses had lots of learned so most things don’t hoarded cash they would not invest change. For example those of us because the return was low – now the cash they had has dwindled as who have been watching the economic indicators are aware the their rush to encourage government is keen to brag that consumption has failed to return also. It is very important to

JJane

understand the degree of misrepresentation taking place about the economy if we are to be able to plan for our futures.

It is doubtful things will begin to improve for some before 2020 and most will undergo enormous adjustments to lifestyle and expectations that will impact their whole life. I am of the opinion this was all entirely avoidable and I believe history will show that people with my view were correct to criticise what is happening. If we are to offer any hope to future generations we must learn to ask better questions and demand a better life for all.

If you have comments or contributions you wish to make or issues you think need community action or attention you can email me with them at jjjustmyopinion@gmail.com

It’s just my opinion!

Carpet Cleaners & Upholstery Cleaning AFFORDABLE Carpet Cleaners Chesterfield - Carpet Cleaning Offers Get 2 carpets cleaned for ONLY £29 LATE PLUS get a third carpet cleaned for JUST £5 FREE Deodoriser and Stain Removal Treatments included OF ST

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FERS

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Please tell your Local Business where you saw their Advert

Email - paula@chesterfield1st.co.uk

1st Mags

February 2014

Call us on 01246 828074 / 828378

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CARPET & UPHOLSTERY CLEANING

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We are looking for teams from across the UK to take part in the second Trek50 challenge. The challenge is If you are a HOMEOWNER, LANDLORD, or PRIVATE TENANT on for teams of four to trek a monster 50 miles in and are in receipt of one of the following benefits; under 24 hours along the stunning Pennine Way. State Pension Credit Child Tax Credit For more information and to register your team please Working Tax Credit Income Support visit our website http://www.actionforcharity.co.uk/eventdetailsnew2.ph Income Related Employment & Support Allowance Income Based Job Seekers Allowance p/urlsearch/Trek50-2014 YOU may be entitled to a FREE boiler

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& Handyman Services Building & Property Maintenance Specialists

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PEDIGREE TOY POODLE PUPPIES Gorgeous home reared bundles of fluff and fun.

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Puppies Ready For New Homes in March!!

1st Mags

February 2014

Visit our web site - www.chesterfield1st.co.uk May we advise you that all World of Music (formerly North East Derbyshire Organ Society) concerts will now be presented at Staveley Methodist Church Hall Chesterfield Road, Staveley, Chesterfield S43 3XD Please note that it has been necessary to change our published 2014 concert programme.

The revised details will appear on our web site www.worldofmusic.org.uk shortly or details can be obtained from our secretary on 01246 274009 or email: info@worldofmusic.org.uk The first concert in our new venue will be our 30th Anniversary Special featuring Blackpool Tower Principal organist PHIL KELSALL MBE Tickets are now available at £7.00 (£6 members) at our forthcoming concerts at The Markham Hall or can be ordered from our secretary Christine Howes on 01246 274009

The Chesterfield Firm ~ Chessy Lunch Firm meets monthly at The Lock Keeper, Tapton Lock Hill, breakfast 7 til 9am & lunch 12 til 2pm dates below. We like to have a bit of fun, but the bottom line is about business, making contacts & sharing experiences. You soon learn to listen as well as talk! It’s not so much about selling to one another, although that does happen, its more about helping each other out.

February’s Meetings

The Firm - where you can network and benefit from meeting with businesses from all sectors. Great value at only £10 per person (cash on the day please) with no joining/ Subscriptions and which includes a hearty meal with coffee/tea or soft drink! Simple to book on - just visit our web site where you can also find full details of our other events: http://thefirmnetworking.co.uk/events/

Sighted Guides Needed for Sporting Events

Could you help someone to attend local sporting events such as football and cricket matches in and around South Derbyshire?

Maybe you could help someone to participate in attending a keep fit session at a gym in Swadlincote? is looking for volunteers to help guide two people with visual impairment to attend these activities.

We will give you training and support and we will also reimburse your out of pocket expenses in line with our expenses policy.

If your interested contact Lynne on 01332 287005

Please tell your Local Business where you saw their Advert

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Call us on 01246 828074 / 828378

Holmewood Post Office

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COJA Plastics PVCu Windows Doors

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February 2014

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‘Divorce doesn’t have to end up in a battle’ Divorce solicitors are often inundated in the early part of year with people who have decided that it is time to separate, but not everyone is looking for revenge.

Many people are simply looking to end an unhappy marriage with a fair separation, without acrimony and as stress free as possible, whereby they can both agree what will happen to the kids, the house and the money – without going to court, and remaining on speaking terms if possible! Is that too much to ask?

No it isn’t. Court is not the only route to getting a divorce and Graysons WE’s award winning family team can offer a range of alternatives that will suit anyone wanting to avoid the hostility and recriminations of the court room battle.

Collaborative law is an increasingly popular way to approach family disputes in the UK. The process involves a couple signing an agreement that commits them to resolving their issues without going to court at 4-way meetings, where the couple work as a team with their independently chosen and specially trained collaborative lawyers, constructively

focusing on issues that are most important to them – typically this is children and finances. The process is client-led and tailored to meet their specific requirements, and solutions can be far more creative than in the restraints of the court room. Generally, the divorcing couple will take the lead in the discussions and the solicitors are there to support them. Sandra Russell, family partner at Graysons WE, is a trained collaborative solicitor who is well known in the region for her success in helping couples end their relationship in this positive, forward focused, collaborative way.

Partner and head of the family department, Michelle Cooper, has a formidable reputation in the area, and further afield, for helping couples to settle their disputes via round table meetings, which, whilst similar to collaborative law, are not subject to the couple signing an agreement which prevents litigation.

In round table meetings, an agenda is set which can lead to a divorce agreement without the need to see a judge. These meetings tend to be led by the lawyers, are generally more positional, yet can be as formal or relaxed as each couple want.

If couples are committed to these non-litigious routes to resolving

family disputes, both can be less aggressive, less stressful, and often significantly cheaper than the more traditional contentious route, but the major benefit is on the family.

Working in this way can reduce anger and the loss of self-esteem, which often occurs when relationships break down, and help to keep a level of friendship and dignity that can only be good for the divorcing couple and their family.

So for those looking to continue their lives in control of their own, and their children’s, interests, whilst retaining some level of respect for their ex, Graysons WE can offer the most effective solution with its non-contentious routes to divorce.

For more information, please contact Graysons WE’s family department on 01246 511695, divorce-enquiries@graysons.co.uk www.graysons.co.uk. We are one of the largest family teams in the region, with a wide range of expertise in all areas of family law, and high rate of client satisfaction in non-contentious divorce. Follow us on Twitter @GraysonsWE

See our advert on page 27 See our advert on page 15 Please tell your Local Business where you saw their Advert

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s1 t Miafgiseds

Clasmsunity News & Com

Advertise Here £15+vat Small Cynthia 01246 233281 or Matt 01246 855670 £25+vat SEASONED LOGS FIREWOOD LOGS 5ftx4ftx1¼ft deep Medium Trailer loads; Full trailer £62.50 £30+vat ½ Trailer £32.50 Includes Delivery Sacks £3.50 each Large Tel: 07948 822308 A well established 40+ singles social group Is meeting in the Hasland area of Chesterfield.

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Handyman With Van 25 Years Joinery Experience Floors/Doors/Skirts/ Kitchens Fitted Timber Decking/Fencing Sheds Refitted UPVC Fascias/Soffits/ Guttering Internal/External Painting Rubbish/Light Removals No Job Too Small Call Steve on

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Dial 111 For HELP If its not a 999 emergency but you need medical help or advice fast, there’s a new NHS number to call.

You can ring 111 every day, 24 hours a day to get through to a team of highly trained advisors. You’ll be assessed, given advice and directed to the local service that can help you best. The new number was launched in September and replaces NHS Direct. Calls to 111 from mobiles and landlines are FREE.

HOW to REPORT IT From your own snap or choose via free digital Photo service. Ideal surprise present Call Keith on 01246 461506 or 07891 485 797 keitharrowsmith99@googlemail.com

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To report a faulty street light, make a note of the number on the lamp post and report it online at www.derbyshire.gov.uk/reportit or by emailing call.centre@derbyshire.gov.uk or contacting Call Derbyshire 08456 058 058. Other problems on Derbyshire’s roads such as pot holes and blocked gullies can also be reported in this way.

Visit the Region’s Largest Showroom Hazlehurst Lane, Chesterfield, S41 7LX Open 6 Days 10.00am-4.00pm

Tel: 01246 220301 Free site survey Removal of old garage Licensed asbestos removal Base preparation Repairs & refurbishments Get a quote on-line - www.4concretegarages.com www.comptonspares.com reception@gardenbuildingsretail.co.uk ● ● ● ● ●

●

The Hunlockers Knitting Club are now recruiting for new members. We meet on a weekly basis for anyone interested in Machine Knitting, Hand Knitting and Beginners Banjo & various crafts. We can offer Guitar Lessons All Ages For Sale help, advice and a chance to All Styles,one to One meet new friends and chat Tuition, CRB Checked Adorable puppies, Home reared over a cup of tea.

We meet at the Parish Centre for Teaching Children, Call for availability Stonegravels on a £550 / £650 Clay Cross Area Call Keith: 07856668776 Wednesday evening at Call 01246 828378 7pm till 9pm.

Come along and join our merry band.

For further information contact:Maureen on 01246 270433 m: 07979 218 433 t: 0845 303 6773 Elaine on 01246 861060 e: nick.godrich@jpinvestmentpartners.com or iamelaine@btinternet.com www.jpinvestmentpartners.com

Have your leaflets delivered with this magazine from just a thousand! Maximum of 2 leaflets per issue!

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1st Mags

February 2014

Visit our web site - www.chesterfield1st.co.uk

Becky’s Movie Previews We’re in full swing into award season now, and with the staggered release dates between the U.S and the U.K, we’re just getting some big nominees in this month. .

Coming Soon… his lifestyle, it is probably true. Arming himself with knowledge, Ron does as much research as he can and soon discovers that there is only one approved drug used in the U.S; AZT. Ron’s condition worsens after taking the drug so he goes into Mexico for alternatives. He acquires DDC and Peptide T protein which haven’t been approved in the U.S yet.

After his health After already winning improves he decides to Golden Globes and SAG awards for make some money by the powerful performances in this setting up the Dallas film, it’s set to also make headlines Buyers Club, selling the come Oscar night with the two lead imported drugs to HIV actors (McConaughey and Leto) set patients. He sets up the business with an AIDS to pick up accolades. transgender The film is set in Dallas, positive woman (Jared Leto) who he Texas in 1985 and shows the an unlikely real-life story of Ron Woodroof strikes (Matthew McConaughey). Ron is a friendship with.

With Ron’s growing stereotypical southern redneck; racist and homophobic. He also lives his community of friends and clients, he life in the fast lane by heavily fights for dignity, education and as he is smoking, drinking, taking drugs and acceptance casual sex. After going to the doctor ostracized by his family. for a work-related injury, it is Following his diagnosis, discovered that he is in fact HIV Ron lives his life to the positive and that he only has around fullest, like he never has before.

30 days to live.

Initially angry at the diagnosis and in denial at having a disease only ‘faggots’ get, he soon comes to the realisation that given

Dallas Buyers Club

Please tell your Local Business where you saw their Advert

Email - paula@chesterfield1st.co.uk

Robocop This remake of the 1987 film of the same name has been a long time coming after a series of delays and change of writers and directors. As they plan to reboot the entire series of films, fans of the original won’t have to worry about a change in plot.

Set in the year 2028, multinational conglomerate OmniCorp is at the centre of all robot technology. Overseas, their robots have been used for years by foreign militaries, making the company billions. Now they want to bring their technology home and they see the perfect opportunity to test it out when a corruption fighting Detroit policeman Alex Murphy (The Killing's Joel Kinnaman) is

Call us on 01246 828074 / 828378

critically injured by a car bomb in the line of duty. OmniCorp see their chance for a part-man, part-robot police officer. They envision a RoboCop in every city and thus more money for them and their shareholders. But what they fail to realise is that there is still a man inside the machine, pursuing justice.

On the outside it looks like it is more of a reboot than a remake, keeping the formula that proved popular in the 80’s classic.

The design of the RoboCop is the same, albeit slightly modernised and the famous one-liner ‘Dead or alive, you’re coming with me’.

the realms of possibility.

A lonely and introverted writer Theodore Twombly ( ) writes personal love letters for people with difficulties expressing their feelings. Unhappy because of his impending divorce from his childhood sweetheart Catherine, Theodore purchases a talking operating system with artificial intelligence, designed to adapt and evolve like a human being. He decides he wants one with a female personality and ‘she’ names herself Samantha ( ). Theodore is fascinated by her ability to learn and grow and they bond over discussions about love and life.

Samantha convinces him to go on a blind date but when things look to get intimate, he is reluctant and the date ends. The intimacy between him and Another big player this Samantha grows which reflects in awards season is a controversial love Theo’s writing. Samantha suggests a story that isn’t that far out there in surrogate for her so they can be

Her

1st Mags

February 2014

physically intimate but Theo is reluctant and when he gets overwhelmed by the experience he sends the surrogate away which causes tension between him and Samantha.

Theo becomes distraught when she acts differently and talks to other operating systems and soon realises his relationship isn’t what it seems to be.

A love story with a difference for Valentine’s Day and some powerful performances that makes this worth a watch.

Visit our web site - www.chesterfield1st.co.uk

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Please tell your Local Business where you saw their Advert

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Chernobyl Children's Mill Street Lifeline 37 Clowne Second Hand Store - Clothes - Books Brick-a-brack - Furniture - Great Variety Large Shops - Donations Welcome Good Quality Items Only

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6 Month Subscription

Is A One Off Payment Of:

1/4 Page £40 1/2 Page £70 Full Page £120

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Business Feature Deals - Special Offers Available

Interested in writing a regular column about your business expertise in B2B 1st?? Contact us now to see if your business category is still available and increase your brand awareness by giving interesting and useful information about your field! We are specifically looking for: ~ Accountant Column ~ Property Column ~ Marketing Column ~ T&C’s Apply ~ Motor Vehicle Column ~ Health & Well Being Column ~

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What happens in a business that doesn’t advertise?

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Its £ 38+Vat per month to advertise in this space!!!

1st Mags

February 2014

Practical family solutions to set you on the right path

01246 511695 www.graysons.co.uk divorce-enquiries@graysons.co.uk 100 Saltergate, Chesterfield, S40 1LG.

Recommended in The Legal 500 2012

Visit our web site - www.chesterfield1st.co.uk

February Gardening weather allows, carry on clearing paths, check walls (but avoid concreting until there is no chance of frost), clean and insulate greenhouses and ensure heaters are working properly. Even a little insulation will make a huge difference to your heating. Continue to plan your veg and flower gardens making sure you position the tallest where they will not shade out others. Plant bare-rooted shrubs and trees and container-grown climbers. As long as the ground isn’t frozen, February is removing any parts that are dead, the ideal month for planting as the diseased or decayed, don't prune if soil will soon be warming up, the plant or shrub flowers before encouraging new roots to grow and June as you will remove flowering helping the plant to become shoots and buds. Continue to dig established. Prune Roses by taking over existing beds and borders, again out all dead, weak and crossing stems. Cut hybrid tea roses back to incorporating as much organic matter as you can. Forking over not about 8” to an outward facing bud and cut floribundas only helps prepare the soil (those with flowers in for spring, it helps reduce clusters) down to 10 to pests by exposing them to 12 inches. hungry birds. Seed potatoes Hellebores - or are now available and if you Lenten roses - in their prefer to chit ( encourage many various colours small shoots prior to will be opening from planting )them now is the now on well into the time. Planting onion sets in cell trays or small trays is also a good spring. Trim off their old leaves, both idea so that when planted in their to display the flowers better and to beds they will be well rooted and the prevent the spread of disease. Fresh birds will not disturb them. When the new leaves will emerge in the spring.

This month there are signs of the approaching spring, with bulbs appearing as light levels and temperatures increase. There's plenty to do indoors this month, in preparation for the season ahead, sowing early vegetables and preparing propagators ready to sow seed of bedding plants.

Its time to tidy up shrubs,

Hostas - although there is no sign of these above ground yet it is not too early by the middle of the month to protect them from slugs whatever method you choose ensure that no other animals can be affected. Do this again each fortnight and your hostas will have their best ever chance of not being devoured by their worst enemies.

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Email - paula@chesterfield1st.co.uk CHESTERFIELD PANTHERS RUGBY UNION FOOTBALL CLUB Established in 1919, Chesterfield Rugby club has been an integral part of Chesterfield sporting life and local history ever since. We have now moved to a brand new purpose built complex at 2012 Dunston Road, Chesterfield, S41 9BF, with a completely new clubhouse, pitches and many training facilities.

We are recruiting for the tag/mini and junior teams from girls and boys aged between 6 up to 19 years old. Chesterfield is renowned for being open and friendly across all of Notts, Lincs and Derbyshire, and why we have strong tag/mini/junior sections within the club.

Therefore, if you are in school years from 4 to 13, and would like to play rugby, whether you have or have not done so before, please contact us. Join us as part of a team, make friends, have fun and keep fit. We started the new season on Sunday 1st September, but train midweek (different times for teams), and Sundays 10am to 12am, up to May 2014.

Contact: Kevin Marsh - 07511 245 768 (Yr 4 to 7) or Mike Curley - 07531 413 389 (Yr 8 to 13).

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February 2014

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Chesterfield Praised by Shadow Business Minister Chuka Umunna MP Invest in Chesterfield message taken to Westminster Chesterfield’s marketing campaign, Destination Chesterfield, has been highlighted by the Shadow Business Secretary Chuka Umunna MP ‘as a good example of the public and private sector working together and taking responsibility to attract investment and promote their town.’

recently, Chesterfield was announced as the only town north of the Watford Gap to be in the top 10 of best performing centres with the least vacant shops.

Chesterfield is also home to one of the largest Regeneration and Renewal schemes, the 16 hectare £340 million Waterside development. It is ranked at number 47 in the top 100 list of the UK's largest regeneration projects and is already being hailed as an exciting example of best practice regeneration, taking a largely vacant area centre and creating a vibrant new environment of buildings and open spaces. Work on the site commences in early 2014.

The praise came at an exclusive Invest in Chesterfield event which was hosted by Chesterfield MP Toby Perkins in Westminster recently. The event, which was organised by Destination Chesterfield, was designed to showcase the town to potential investors and property developers, highlighting the town’s Toby added: “Our event in opportunities and future growth Parliament was a great success and potential. showcased these opportunities to business leaders from across the Toby Perkins MP commented: UK. Crucially, it also demonstrates “Chesterfield is a fantastic the political support for Destination destination for business Chesterfield, with other local MPs, investment. Our town centre in the Council and Shadow Business particular has so much to offer Secretary Chuka Umunna, all in businesses. Retail occupancy has attendance to support the event.” actually risen during the recession and has one of the lowest vacancy Funding for Destination Chesterfield rates in the country. This is supported both by large high street has been secured from the European Regional Development names like Debenhams, TK Maxx Fund (ERDF), Chesterfield Borough and Hobby Craft, but also be a thriving traditional market square – Council and the local business community until December 2015, one of the largest in the country – ensuring the marketing campaign’s and an historic Market Hall which on-going success. has just received a £4million refurbishment.”

To view the Invest in Chesterfield video visit Since launching the town’s www.chesterfield.co.uk/invest marketing campaign in September 2010, against the backdrop of a If you’re a business interested cool financial climate, Chesterfield has shown growth across the board investing in Chesterfield, visit www.chesterfield.co.uk. and bucked the national trend for declining high streets with its shop vacancy rate having halved to 7.7% Follow Destination Chesterfield on Twitter @DesChes. since its peak in 2010. Most

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The BIZ Club Do you run a small / medium Business in or around the Clowne, Bolsover, Chesterfield, Worksop areas?

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February 2014

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One Year On… Just over a year ago on the 1st of January 2013 probably the on certain areas or on limited biggest change ever to affect the way financial advice is given in funds and plans and may not be Your finances are important the UK came into effect. Known as the Retail Distribution Review, able to meet all a client’s needs. to you Red Circle them! or RDR for short, it had far reaching consequences for how Independent Financial Advisers financial advice is given, paid for and who provides it. It has also can still source solutions for their Lifestyle Protection had major implications of the way investments and pensions are clients from any provider from the whole of the market, indeed they charged.

Anyone who now wishes to provide advice on investments must consider all possible Retirement Income and pensions must hold a relevant qualification usually known solutions that may meet a client’s as a Diploma. As a result of this requirement many who had needs, individual circumstances previously operated as financial advisors have now left the and requirements. They are industry. Some felt they were too old to take more exams and tasked with providing the best retired whilst others found that they could not reach the new possible solutions for their clients Investments higher standards and could not pass the relevant exams to reach from all the options available.

So what are the For the required standard and so were forced to leave the industry.

Businesses and Individuals Over all there are now only 22,000 active advisors left in the UK implications to you, those who want or need financial advice? down from over 30,000 only a few years ago.

Darren Cooke IFA The other major change came to how financial advice is Well your financial advisor may 07415 642679 paid for. Traditionally the advisor would be paid by commission no longer be in business and you darrencooke@thinkpositive.co.uk may need to look for a new one. on any investments or pensions taken by their clients. This was paid for by the pension and investment providers but the costs If you haven’t had a review of were built into charges on the plans so ultimately the client paid. your investments or pensions Commission is now banned on pension and investment advice recently you should as there may Red Circle Financial Planning is a Trading Style of Positive Solutions.

Positive Solutions (Financial Services) Ltd, is authorised and regulated by the Financial and the advisor must charge a fee to their clients for the advice be better and cheaper options Conduct Authority. Registered as a Limited Company In England And Wales No. 3276760 Registered Office: Positive Solutions (Financial Services) Ltd, Riverside House, available to you now.

The Waterfront, Newcastle upon Tyne NE15 8NY given. This can be paid direct by the client, or it can still be paid And before you take any within the pension or investment, but it is no longer part of the advice ask if it is independent, as product costs. This has meant the pricing on investments has changed dramatically and they are now much cheaper than only that way can you be sure that you are getting the best products and services to suit you from all those available before as commission does not have to be built into the costs.

Finally there is now a new class of financial advisors, Restricted Darren Cooke is an Independent Financial Adviser with Red Circle Financial Advisors. They work to a limited panel of providers and Financial Planning products to meet the needs of their clients. They may only advise 07415 642692

1st Mags

February 2014

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ADVERTISER INDEX Accountant Advertising Aerials Awnings Bathrooms Blinds Builders Canopies & Porches Carpets & Vinyl Charity Classifieds Cleaning Services Clubs Competition Community News Construction Decorating Dog Grooming

19 15,20 19 9,16,20 7,20 11 7 9,16,20 3 6,15 11 4,6,17 11 2 8,11,15,17,19,20 7 7,11 6,14

Entertainment Features Financial Services Flooring Foot Health Practitioner Gardening Services Guttering & Fascia Handyman Services Johns Plants Joinery Judge Jane Kitchens Lawyers Man & Van Mediation Micro Chipping Movie Previews Nail Technician

8,14 18,21 11,21 3 14,19 7,19 7,9,20 7,11,19 16 7,17,19 4 7,11 10,15 11 17 1 12,13 17

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8,19,21 7,24 11 7 7,9 6,19,20 9 6,7,11,19,20 7,11 10,15 6,8 7,19,20 9 11 6 5,17

COFFEE BREAK...

CROSSWORD Across 1 Military judicial process (5-6) 9 Awake (5) 10 Pries into (5) 11 Nickname of US president Eisenhower (3) 12 Not Dirty (5) 13 Shakespearean play set in Venice (7) 14 Slice of bacon (6)

SUDOKU

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