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8-9 TRAVEL A Spanish rail adventure 10-11 TRAVEL Quality door to door coach holidays 16-17

SYLVESTER STALLONE A giant of the Hollywood industry

26-28 HOME Lockdown lessons we've Learned about our homes


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Escape To The Country, One Move. Many Benefits.

Coastal | Rural | Woodland

Introducing Modern Park Home Living. Pottering around in your own private garden. Strolling along the beach or through beautiful countryside. Living in a brand new, fully furnished home that has been designed by you. And enjoying life within a safe and secure community, exclusively for the over 45’s*. Plus, part exchange and assisted move schemes to get you moved in quickly. Life just got better! Learn more about modern park home living at one of our 26 parks across the country. *Dependent upon park rules. Contact us for confirmation.

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T wittering O n BY ANGELA KELLY The year seems to have been taken up with stories of Prince Andrew’s alleged darker side and the triviality that is the new life of Prince Harry and his wife Meghan. As a result, we’ve looked away from a couple of stalwarts of the monarchy that offer enduring reassurance. While the Queen continues to do an amazing job as head of our nation, confounding both her age and familial distractions and the Cambridges show their regal class, two others have quietly come to the fore. Prince Charles, our future King, has slowly and rather charmingly won over the public by simply continuing to do what the House of Windsor does so well: be royal.

Everyday heroes for challenging times IF there’s one thing that the coronavirus pandemic has taught us it is to re-think our heroes. The currency has become severely devalued in recent years as petulant superstars of sport, individuals paid ridiculous sums to promote products to the gullible and vacuous reality TV so-called celebrities all achieve iconic status. Not only are those on the NHS frontline now rightly recognised for their everyday commitment to doing their very best – and far more – for us all, but the cream has definitely risen to the top as far as humanity is concerned. Care home workers who isolated themselves for months to ensure their charges survived in isolation. Needlewomen, and men, who spent much of their lockdown sewing scrubs for health workers. Restaurants, already out of pocket over lockdown closures, opened their hearts and their kitchens to provide meals for frontline key workers. They all shone at a dark time in our national history. Who previously would have picked out Manchester United footballer Marcus Rashford as a spokesman for a generation? Yet, he displayed consistent bravery in speaking out about poverty in families.


His determination, sincerity and willingness to relate his own experiences as a youngster pricked the social conscience of everyone – including Boris Johnson who ensured needy children had meals over the Summer. Rashford’s quiet manner and determination were one of the most affecting things about this strange and challenging time. There were heroes in every community, though. Ordinary people who insisted on helping vulnerable residents with meals, shopping, phone calls and caring. They did this quietly, without fanfares, as simple acts of consistent human kindness that made you renew your faith in others. Values don’t make headlines these days – they’re not a fashionable cause. But, discovering that, behind the depressing news stories of violence, selfishness and greed, there was still a vital layer of real decency and morality among a huge swathe of the population has both broadened and narrowed our definition of a “hero”. With luck, we won’t make the same mistakes of recognition again.

The royals who do justice to the name WE’VE been so busy focussing on certain worrying members of the royal family recently that we’ve forgotten just what the strengths are of “the firm.”

He has always come across as a gentle soul, a lover of nature, possibly a bit flaky and at times slightly out of touch. However, as he’s grown older and settled into his second marriage to Camilla, the Duchess of Cornwall, he has endeared himself to more people. Now, we can even see him as King Charles III. The other, very underestimated member of the royal family to canter up on the rails is his sister, Princess Anne. She was 70 this year and definitely more like the Queen in her stoicism. She has been described as “single-minded, fearless, driven, devoted to duty and loyal” and is known as probably the hardest working royal. She puts in 500 engagements a year on behalf of 300 charities but her secret may be that she compartmentalises her working and private lives, regularly returning to her Gloucestershire home. The Queen’s only daughter was the first British royal to compete in the Olympics and won BBC Sports Personality of the Year in 1971. As self-confessed non-conformists like the Duke and Duchess of Sussex show their feelings by storming out of the royal family, Princess Anne has remained within it and put her personal stamp on the job. She won’t be Queen but, I believe, would definitely have made a good one. She considers being a member of the royal family a job like any other and simply gets on with it – without a bribe, seedy headlines or a tantrum in sight.

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We sell Recycled Furniture and Handmade Furnishings all at Very Competitive Prices. We can also upcycle furniture to order in colours to suit your home. Zoom away the gloom this Autumn NOT very long ago if you’d said you were going on a Zoom meeting most people would assume that drugs were involved. Now, we all understand this useful form of tech communication and Zoom is used by a surprising cross-section of people – from groups of friends to boardroom chief execs. The fact that it’s free is also a major plus for everyone. However, if you have Zoomed in recent months, you’ll know just how distracting people’s home backgrounds can be – and how competitive it’s now become to have the best. While some choose an office, a pleasant living room, a bedroom or even (on fine days) the garden for their Zoom meetings, others have opted to create a virtual background of palm trees gently wafting in the breeze or other sunshine vistas. There are even companies now which will design your individual background especially for you. My favourite is still shelves of book – some of which are recognisable and a useful additional guide to the personality of the Zoomer. Personally, I’ve got a large collage of family photos on my background wall but am considering a tropical virtual backdrop to cheer up all my Zoomees. Of course, I could also complement this with a suitably impressive outfit. And, as I only have to worry about showing my top half during online meetings, it could be as exotic as I like. Mind you, I’m not sure how fellow businessmen and women in my networking group would take to that. It could certainly take Zooming to a whole new level!

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in the entrance to the station. Absolutely incredible. Arriving in Toledo, we were totally stunned by the railway station itself. An astonishing building of carved wood and sculptures, Toledo is an ancient walled city, easy to walk around, with great sightseeing.


Our Spanish Rail Adventure BY DAVID PEARSON FOR SILVER TRAVEL ADVISOR Following our first enjoyable trip to Italy with Railbookers last year we wanted to try a longer trip, this time to mainland Spain. I had visited Madrid on business but wanted to return to see the sights and visit some other iconic cities with Margaret. We knew from our last holiday with them that we could adapt any of their trips to take in everywhere we wanted to visit, and Railbookers took care of all of our arrangements. This time, we opted to fly to Madrid directly for 2 nights, then using the train, travelled onto Toledo ( 1 night ), followed by Salamanca ( 2 nights ) then on to Santiago De Compostela ( 2 nights ) and then back to Madrid for our final evening before flying back to the UK. It was not planned as such, but it became known as our “Cathedral trip of Spain” and one that we have looked back on very fondly during the subsequent months in lockdown. We spent our first 2 nights in Madrid, visited Plaza Mayor, Royal Palace, Cathedral De La Almudena, as well as taking the open topped bus tour of the city. This is a great way to see the sights and get your bearings for the layout of a new city.


We had a delicious lunch at Museo de Jamon near Puerta Del Sol. A charcuteria as well as a restaurant, good local cuisine and really low prices. Another recommended place to visit for local food and the experience was Mercado de San Miguel, one of the oldest and most beautiful indoor markets in this city. The choice of Tapas was unbelievable with a vibrant atmosphere. Next stop was Toledo, leaving from Madrid Atocha train station, just like a tropical garden

The places of interest we discovered were the Cathedral of St. Mary of Toledo, which was built in 1226, the monastery of San Juan de los Reyes and the Synagogue of Santa Maria la Blanca. We also walked around the walls and looked over the views of the river at San Martins bridge Dinner in the hotel, Hotel San Juan de los Reyes, was very good where we sampled one of the local specialities, suckling pig. We then boarded the train to travel on to Salamanca for a 2 day stay. This is a university city with 2 cathedrals at its centre. One late Gothic and the other Baroque are joined together and make for an interesting tour. It has another stunning Plaza Mayor, which claims to be the prettiest in Spain and we would agree. It is known as the “living room” of Salamanca. A great place to eat - cheese and cured meats, and to people watch. From our hotel it was a lovely walk over the Roman bridge into the city, The Puente Romano de Salamanca, an elegant Romanesque bridge constructed in the year 69BC, gave excellent views of the cathedrals and entrance to this city. Next stop on the train was Santiago de Compostela. This is another fantastic cathedral city, best known for its pilgrimages and St. James.


It has lovely, narrow, winding streets with great tapas bars and restaurants. Our favourite tapas bar was Petiscos de Cardeal, with excellent food and wine, lots of locals and a warm atmosphere. Alameda Park was a memorable spot for walking and gave amazing views over the cathedral.


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Bolton’s Biggest Display of Adjustable Beds VAT r fo exempt ing y f li a qu rs custome Then back off to Madrid for our last night, returning to the same hotel, where we started. Early drinks in Plaza de Santa Ana, then dinner in the hotel, with more jamon and croquetas. As you have probably already realised, food on this trip proved to be just as important and impressive as the cathedrals! This was another unforgettable adventure by train with brilliant organisation from Railbookers for all parts of the trip – travelling by train around Spain was seamless and we enjoyed the views of the huge variety of scenery. We also enjoyed the excellently chosen variation in hotels throughout the holiday. All had their own style, and all in great locations, with very helpful staff. They were just right for each destination. A thoroughly enjoyable Spanish adventure by rail!

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Next on the list is Switzerland which we are already looking forward to in Spring 2021. Railbookers offer an ever-expanding portfolio of holidays to destinations across Europe, the USA, Canada and beyond. Choose from one of their expertly-planned, independent holidays or let one of their knowledgeable Rail Experts build your own tailor made trip. All you have to do is sit back, relax and enjoy the journey.

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Quality Door to Door Coach Holidays 2021




Great Value British Holidays you’ll love!

Blackpool Free & Easy Park House Hotel

The Park House Hotel has an excellent position on Blackpool’s prestigious North Promenade and is within walking distance to the town centre and all major attractions. A full all year round entertainment programme with dancing and fabulous vocal talent all waiting in the spotlight. Entertainment each evening is either in the bar lounge or in the elegantly decorated ballroom.

What’s included

4 Home Pick-up 4 Executive Coach Travel 4 Free weekend in Blackpool to explore at your own pace 4 Superb Nightly Entertainment. l

3 nights dinner, bed & breakfast

05 March ......................................... £179 Single Supplement NOA 4 DAYS

Warner Leisure



Bodelwyddan Castle


Conveniently located in the heart of the Market Town of Dumfries the Cairndale Hotel & Leisure Club is family run and one of Dumfries and Galloway’s largest privately owned hotels offering comfortable accommodation in Dumfries. Guests are invited to use The Barracuda Club, the hotel’s own private leisure club free of charge.

What’s included

What’s included

4 Home Pick-up 4 Executive Coach Travel 4 2 Nights Entertainment 4 Excursions including Savings Bank Museum, Secret Dumfries, Orchardton Tower, Castle Douglas, and a pleasant drive through the Galloway Forest Park.

4 Home Pick-up 4 Executive Coach Travel 4 Use of Leisure Facilities 4 Superb Nightly Entertainment 4 2 Day Excursions including Llandudno, Bewts-y-Coed and drive through Conwy.

3 nights dinner, bed & breakfast


3 nights dinner, bed & breakfast

29 January ....................................... £224

02 April ............................................ £269

Single Supplement Supplement NOA Single NOA

Single Supplement £70





Grand Burstin Hotel Includes Ostend Trip



Cairndale Hotel, Dumfries


Bodelwyddan is a Grade II listed Victorian building near the North Wales coast, not far from Snowdonia. Set within the grounds of a romantic castle but with all the amenities of a modern hotel. Including a superb range of leisure facilities, numerous daily activities and nightly live entertainment.


Easter in Scotland


The Grand Burstin Hotel is superbly located on the seafront, overlooking Folkestone’s picturesque harbour. This hotel is an ideal gateway to the continent and easy access to the Port of Dover and Eurotunnel. The hotel boasts an extensive Health and Leisure Club, fully equipped with a swimming pool, sauna, solarium and much more.

What’s included

4 Home Pick-up 4 Executive Coach Travel 4 2-4-1 Bar for 3 hours each evening 4 Entertainment Nightly 4 2 Day Excursions including: Canterbury, Ostend via the Eurostar, Rye. l

4 nights dinner, bed & breakfast

15 February ..................................... £194 Single Supplement NOA

Easter in Llandudno


Chatsworth House Hotel

A Victorian property enjoying a stunning seafront position on Llandudno’s vast promenade and offers an indoor heated swimming pool. It is ideally situated for a stroll along the coast, yet is only a stone’s throw from Llandudno’s shops and the pier. The hotel has all the comforts to keep everyone entertained.

What’s included

4 Home Pick-up 4 Executive Coach Travel 4 Seafront Hotel with Indoor Pool 4 Nightly Entertainment 4 2 Excursions including stops at Beaumaris, Ffestinog, Porthmadoc and Betws-y-Coed plus free time in Llandudno. l

3 nights dinner, bed & breakfast

02 April ............................................ £245 Single Supplement NOA



The Red Lea Hotel is situated in an elegant Victorian midterrace, a popular hotel on Scarborough’s historic South Cliff. They have a new, state-of-the-art fully equipped gym along with a refurbished indoor heated swimming pool. The hotel is situated on the Esplanade, close to the Spa and many other seaside attractions and amenities.

This fantastic event is free to attend and has many free aspects.

What’s included

What’s included

3 nights dinner, bed & breakfast


Single Supplement NOA

Single Supplement NOA 4 DAYS

Blackpool Illuminations


Park House Hotel


Blackpool Illuminations enthral millions of visitors every year. The greatest free light show on earth has been a major part of Blackpool’s attraction since 1879 when they were described as ‘Artificial Sunshine’.

The Hilton Reading hotel is a four star property located at Drake Way in the city of Reading. The hotel offers a warm and inviting atmosphere. Just a 4 minute drive from Reading’s historical city centre, the River Thames and famous shopping centre, The Oracle. Leisure facilities include a 24-hour Livingwell Health Club featuring Precor gym equipment, a heated indoor swimming pool and sauna.

What’s included

4 Home Pick-up 4 Executive Coach Travel 4 Stop at Cleveleys for lunch on outward journey 4 Excursions including pleasant drive to Clitheroe where there is a small market today, visit to Boundary Mill, Southport and on return journey calling at Fleetwood with visit to the Outlet Centre.

Countryfile Live launched in 2016 to great acclaim and popularity. As one of the biggest and most exciting outdoor events of the year it offers visitors a special day that everyone can enjoy with Countryfile at its heart. Featuring everything from fantastic live area shows, amazing animal and livestock displays, food demonstrations and furthermore the latest farm machinery.


Day 1: Home pick ups completed, we head for Oxford for some free time to take a look around and maybe have lunch. Then we make our way to Reading to check-in late afternoon and relax before dinner. Day 2: After breakfast we head to Windsor Great Park for the main event. As one of the biggest and most exciting outdoor events of the year, Countryfile Live offers visitors a special day out that everyone can enjoy with Countryfile at its heart. Featuring everything from fantastic live arena shows, amazing animal and livestock displays, food demonstrations and the latest farm machinery to fun for all the family with waterside pursuits, a wildlife zone and woodland activities. There will be hundreds of places to shop with stalls including food, craft, clothing and gardening. Day 3: After breakfast we depart the hotel and head for home making a stop at Worcester for lunch.

What’s included

4 Home Pick-up 4 Executive Coach Travel 4 Tickets for CountryfileLive

2 nights dinner, bed & breakfast

20 August .................................................................... £229

3 nights dinner, bed & breakfast

08 October ...................................... £245 22 October ...................................... £249



3 nights dinner, bed & breakfast

13 August ........................................ £279

Hilton Hotel, Reading



30 April ............................................ £259

BBC CountryFile Live


4 Home Pick-up 4 Executive Coach Travel 4 Day Excursions including Bridlington, Thornton Dale with a chance to view car sales that’s on TV as ‘Bangers & Cash.’ Pleasant drive to Goathland, home of Aidensfield in the series ‘Heartbeat’ and Whitby Thirsk (read up on James Herriot) and Skipton for lunch.

Home Pick-up Executive Coach Travel Seafront Hotel with Indoor Pool Superb Nightly Entertainment Llandudno at Leisure to enjoy the Extravaganza Festival. l

Red Lea Hotel


The Llandudno Victorian Extravaganza takes place on the first May bank holiday weekend each year. It takes over the main streets of Llandudno for the full three days, bringing vintage attractions, entertainment and fun fair.

4 4 4 4 4



Single Supplement NOA 3 DAYS ONLY


Telford Hotel and Golf Resort Short Break

Nestled in the beautiful Shropshire countryside, the four-star Telford Hotel and Golf Resort property overlooks the UNESCO World Heritage Site of Ironbridge Gorge. The 17th century Darby House offers a choice of spectacular bedroom with period features

What’s included

Home Pick-up Executive Coach Travel with Tea or Coffee on arrival Use of Leisure Facilities Only Fools and 3 Courses Parody Tribute. Join us for a 3 coursed themed dinner, this promises to be a great night 4 2 Day Excursions including RAF Cosford Museum, Ironbridge with entrance and Shrewsbury, a town full of attractive buildings. 4 4 4 4


2 nights dinner, bed & breakfast

10 October ...................................... £239

Single Supplement £65

Single Supplement £50 BRITISH

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Bank Holiday Extravaganza Chatsworth House Hotel


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Your accommodation comes with a fully equipped kitchen and plenty of crockery. Pillows and duvets and even a hair dryer. The mobile homes have all the cooking facilities you may need, cooker, grill and microwave. There is a barbeque for alfresco dining. There is a large seating area outside with sunbeds and seats for lounging and a table and four chairs for eating outside. Each mobile home or tent does have some ‘extras’ to pay for. Beach towels, a welcome pack with tea coffee and condiments is provided so check this when booking your trip.

Glamping with Eurocamp BY GLYNIS SULLIVAN FOR SILVER TRAVEL ADVISOR My husband Trevor is a camper, on the other hand I am a Glamper! So, we have found the ideal solution - Eurocamp. The image I had of Eurocamp is lots of families and activities. This is still the case in the summer months but Eurocamp is very appealing to the Silver Traveller at the beginning and end of each holiday season when it is quieter and less crowded. Whether you are a couple or a group of friends or a group of like-minded people that like to go walking, cycling, running, playing bridge or just resting, the choice is yours. The Eurocamp ‘Travel Your Way’ is an easy, stress-free way to get to your chosen park. Flights, car hire, self-drive and ferry can be arranged for you or you can choose to get to the parcs independently.You can self-drive and take your time, the flexibility is up to you.  


We flew to Reus Airport then hired a car and drove for approximately 30 minutes to get to our Eurocamp Park Playa Bara Campsite based at Roda de Bara in Costa Dorada. This is a beautifully presented park with an ancient Roman theme and long tree lined promenades that branch off to the sites where the mobile homes and tents are situated. Eurocamp accommodation is certainly not camping as we know it. The mobile homes are of the highest ‘spec’. We were in the Aspect, which is a spacious mobile home with three bedrooms, one double, one with two single beds and one with bunk beds. A shower room with bath towels and toilet rolls is provided – no soap or shower gel, so bring that along with you.

There are, of course, the Safari Tents that do look like fun to stay in and they have real beds not camp beds to give you a good night’s sleep under canvas. The tents consist of a double bed, one single and a bunk bed, cooking facilities, table and chairs, a fridge, although, sadly no toilet or shower but they are near to the shower block on most sites. A barbeque and a fan are provided for the hot days and nights - now that is Glamping!! Dogs are allowed on the site but must be on a leash at all time. Rubbish bins are provided but you have to empty them yourself at the marked-out bin sites. If you are disabled, Eurocamp does have wheelchair adapted mobile homes. These are the Azure homes which offer independent, stress-free holidays.You can opt for a onestay park or a multi-centre holiday just let Eurocamp staff help you along the way with your booking. Glyn’s tip: There are no televisions in the mobile homes, only a monitor for you to bring your own DVDs. There is WiFi on the site, just check this with reception or your Eurocamp rep. Please be aware that mosquitoes are out and about - take plenty of protection.

The large swimming pools are set in an amphitheatre area based on Roman Baths with statues that stand proud overlooking the pool. It is on two levels with lots of sunbeds and a grassed area for sitting on. On the top level is a jacuzzi and lots of sunbeds. A very well-equipped children’s playing area is very popular and well maintained. A swim up bar - very welcome on hot days - and a pool side bar selling drinks and food are also good meeting places. A lifeguard is on duty, but it is the parents’ responsibility to take care of the children. A short walk brings you to a lovely beach where you take your own chairs and sunshades. It is clean and well looked after with a restaurant and an excellent promenade to ride bikes or just stroll at your leisure – cycles can be hired at the Reception or the Eurocamp office. The camp site does have a restaurant and coffee shop plus a very good supermarket and laundrette, plus the Park Playa Bara also has a Roman-themed spa for you to enjoy a treatment or two after a leisurely swim in the relaxing spa pool. For entertainment the park also has an amphitheatre for shows each evening in the summer but less out of season. There are also tennis courts, a football pitch and table tennis

areas plus a television bar that is very popular when the football matches are being played. Eurocamp brings back the adventure spirit that camping gives you, out in the open

air, under the stars and back to nature – glamping is a freedom holiday for you to stop the world and relax and have some ME time.

For further information, visit, call 01606 787125 or email to see the wide variety of sites that are on offer all over Europe. You can secure your holiday for 2021 with a £99 deposit per party, and book with confidence with financial protection and free amendments on all holidays for 2021.

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If you’ve not tried coach holidays before why not let Ellen Smith’s take you on your first coach experience. We’ve been established for over 120 years – so we know a bit about coaching holidays!

We do things a bit differently than our rivals All our tours include our ‘Door to Door’ service. That means that you are picked up by a taxi or small minibus right from your front door. No feeders, no interchanges, no changing coaches, no changing drivers and definitely no hassle! Within 30 minutes We normally have everyone on board and we’re on our way. We often have a second pickup at Stockport, but again this is timed for minimal delay. We are fully Financially Bonded And use some excellent privately-owned hotels. All visits and excursions are included in the price. We use modern coaches and mature friendly drivers.

How does it work? On the morning of travel we pick you up at a prearranged time and take you to our waiting coach at Birch Services. We’re off on holiday then! The same happens on the way back too, taxi back to your front door! We never discount We charge the correct price in the first place – therefore everybody on board pays the same price. Finally If you can find the same or similar holiday for sale cheaper in the UK we’ll refund the difference to the whole coach! 120

YEA RS Membersh No: 10228ip

‘Door to Door’ Coach Tours Brochure telephone us on:

01706 648126 for your free copy. Once you’ve gone the Ellen Smith way you’ll never go back! 14


TO DOO R TOU RS 2 020 www.e llensm





BEAUTIFUL CORNWALL Rosemundy House Hotel

Overview: Staying in Fort William and surrounded by spectacular Scottish scenery, this tour shows off some of the most scenic parts of Scotland. Tour Highlights: Glenfinnan visitor centre, free time in Mallaig, Eilean Donan Castle visitor centre, 50-minute cruise on Loch Ness, free day to explore Fort William.

Overview: Enjoy a lovely selection of tours in beautiful Cornwall for 2020 ~ Located in the far west of Great Britain on a peninsula tumbling into the vast Atlantic ocean, almost completely surrounded by the sea. Includes Visits to: The Eden Project, Falmouth & Truro, St. Ives.

19 October | 5 Days | £339

25 October | 5 Days | £339



‘MATURE SINGLES’ BEAUTIFUL WALES - Ivy Bush Royal Hotel Overview: Our tour takes us to Carmarthenshire as well as exploring parts of Pembrokeshire, Swansea and we also include a whisky tasting at Penderyn Distillery. Tour Highlights: Saundersfoot, coastal resort of Tenby, tour & tasting at Penderyn distillery, waterfront city of Swansea, lovely market town of Narberth.

30 October | 5 Days | £359


Gretna Hall Hotel

Marlborough Hotel

The Moorland Hotel

Overview: For these tours we head to Southern Scotland for a stay in Gretna Green, famous for its runaway weddings. Excursions Included: We enjoy excursions to the pretty village of New Abbey, the picturesque harbour town of Kirkcudbright, the charming market town of Hexham, Lockerbie and Dumfries, with its connections to Robert Burns.

Overview: Llandudno is Wales’s largest resort, uniquely situated between the Great and Little Ormes with two wonderful beaches, the award-winning North Shore and the quiet, sand duned West Shore. Tour Highlights: We enjoy the short journey to Conwy, a delightful small town with a picturesque quayside overlooked by the mighty Conwy Castle.

Overview: Our tour is based at Haytor set at the base of Dartmoor - a magical, ancient landscape of stunning views, awe-inspiring granite tors and rugged, wide open spaces where you can truly escape to find peace and extreme beauty. Tour Highlights:  New hotel to the Ellen Smith programme, stunning Dartmoor views, Visit Tavistock & Plymouth, coastal town of Teignmouth, historic Exeter, picturesque fishing port of Brixham, seaside resort of Torquay.

02 November | 5 Days | £289

06 November | 4 Days | £249

09 November | 5 Days | £339

THE BEAUTIFUL LAKE DISTRICT Cumbria Grand Hotel Overview: Visiting the Lake District is one of the most popular breaks for people across the UK and from further afield. The Lake District National Park has a wide range of activities and attractions, as well as the natural beauty of the entire area. Tour Highlights: Bowness on Windermere, Ullswater and Penrith, Morecambe and Kendal, Keswick and Grange-over-Sands.

16 November | 5 Days | £279


ST. ANNE’S-ON-SEA St. Ives Hotel Overview: St. Anne’s-on-Sea, on the Fylde coast, offers a gentle and peaceful way of life. Its Victorian bandstand and quality accommodation reflect the ambience of a more traditional seaside resort. Tour Highlights: Seaside town of Southport, Carnforth, Lancaster, some entertainment at the hotel.

07 December | 5 Days | £279

Call our reservations office on 01706 648126 and request a copy of our 2020 brochure. You’ll be surprised at the variations of tours we operate. Visit our website at

NEW YEAR IN BLACKPOOL The Doric Hotel Overview: Bingo on the afternoon of arrival. Drinks reception on New Years Eve. New Year’s Eve gala banquet. Live entertainment – New Years Eve. Let the countdown begin with Mick and Piper. New Year’s Day morning of horse racing & games. Afternoon bingo and entertainment – New Year’s Day. Drinks reception – New Year’s Day. Live entertainment following evening dinner – New Year’s Day.

30 December | 4 Days | £389

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Membership No: 10228




As everyone now knows, this was Rocky, made into a blockbuster film in 1976. It became a cinematic legend and received 10 Academy Award nominations, winning Best Picture Award and triggering one of film’s most successful franchises. Stallone was backed here by a remarkable cast including Talia Shire, Burgess Meredith and Burt Young. Director John G Avildsen brought something special to the film industry - and something special out of Stallone himself to make him one of Hollywood’s hottest stars. Next, Stallone made F.l.S.T in 1978, loosely based on the life of Teamsters’ boss Jimmy Hoffa, and Paradise Alley that year before the boxing ring again called.

SYLVESTER STALLONE A GIANT OF THE HOLLYWOOD FILM INDUSTRY HE’S been an action man for more than 30 years and starred in everything from a beaten-up boxer with a heart to a Warburton’s bread deliveryman in a costly UK TV advert. But there is definitely one thing that Sylvester Stallone has retained throughout his career and that is star quality. At 74, he is still a giant of the Hollywood film industry. He is lauded by his fellow actors and with the kind of celebrity lifestyle you’d expect from such a bankable box-office star – including a multi-million dollar luxury home like the one he is currently selling in prestigious La Quinta, California. All that, though, is a long way from his beginnings as Sylvester Enzio Stallone in New York’s infamous Hell’s Kitchen. His father was an Italian immigrant and his mother half French and half German.


At high school, young Sly was inspired to adopt body-building into his lifestyle after watching the Steve Reeves’ film Hercules Unchained. He attended the American College of Switzerland and the University of Miami and obtained a BA degree. But the dark-haired young man with the brooding looks had his eyes firmly set on becoming a film star. Although he struggled to get small parts in films like thriller Klute in 1971 and comedy Bananas the same year, he had a crucial career break alongside fellow young actor Henry Winkler (later of The Fonz fame). Together, they shared lead billing in teen gang film The Lords of Flatbush in 1974. This showcase led to more films and TV roles, mostly uninspiring. He was, however, keen to be not just an actor but a screenwriter and he created a script about a nobody boxer given the “million to one opportunity” to fight for a heavyweight title.

Rocky Balboa lived again in Rocky II and, although subsequent screen outings Nighthawks in 1981 and Victory the same year failed to resonate greatly with audiences, in 1982 Stallone was tempted back to familiar territory with Rocky III. This film far outperformed the first Rocky sequel at the box-office but Stallone retired the boxer for a couple of years in a canny move. He was about to launch another huge franchise – John Rambo. The Green Beret was the creation of Canadian-born writer David Morrell and his novel was adapted to the screen as First Blood in 1982 with Stallone as the troubled Vietnam veteran. This unusual film dialogue so soon after the Vietnam War proved a worldwide hit and in 1985 a sequel, Rambo: First Blood Part II, proved to be another major money-spinner. Stallone had not finished with Rocky Balboa yet, however, and in 1985 Dolph Lundgren played a towering Russian boxer opposite him in Rocky IV. This appeared to take ring violence to a new level with Apollo Creed receiving a savage beating. The macho roles continued for Stallone – with mixed results from critics and audiences - but he got back on track with Rocky V in 1990. A whole slew of films then followed, including futuristic offering Demolition Man in 1993 which still has

a devoted following and pops up on TV regularly. Stallone was never frightened to take a chance, though, and in 1997 he took on a more dramatically challenging role in Cop Land with Robert De Niro and Ray Liotta. He also had a central role in brilliant animated adventure Antz in 1998 and starred in cult children’s movie Spy Kids 3-D: Game Over in 2003. In 2006, he brought Rocky Balboa to the screen once more and then did the same for John Rambo in the 2008 film Rambo, still righting wrongs in the jungles of Thailand. In fact, his days in screen action have continued to be far from over. In 2010, he directed, co-wrote and starred in The Expendables with Jason Statham and Dolph Lundgren heading an impressive cast of older action heroes. Again, this franchise proved very popular and led to another Expendables’ films to please the fans. Meanwhile, Creed, too, spawned a new franchise in 2015 and 2018, with Stallone winning a Golden Globe and an Oscar nomination for his performance. British audiences were fascinated anew in 2015 when Stallone “starred” in a TV advert for UK family-owned bread company Warburtons. This Hollywood-

style advert included footage of Stallone driving a bread van to make deliveries and running up Bolton Town Hall steps in a rousing Rocky-esque finale. It would be easy to consider Stallone’s films and attribute all his success to his muscular physique and willingness to take

part in endless challenging stunts. But there is much more to the star. His deep voice and often mumbling approach enhanced his appeal from his very first film. But, through countless media interviews, Stallone has also come across as a self-deprecating actor who refuses to take stardom too seriously. He said of himself: “I’m not handsome in the classical sense. The eyes droop, the mouth is crooked, the teeth aren’t straight, the voice sounds like a Mafioso pallbearer. But somehow it all works.” Stallone also knows that hard work is involved in creating a physique like his. “I’m not a genetically superior person,” he has stated. “I built my body.” But he is also a wry realist, saying: “I’m a very physical person. People don’t credit me with much of a brain. So why should I disillusion them?” Like the old saying goes: Stallone is laughing all the way to the bank.




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Make sure you give your solicitor all relevant background information, such as whether you’ve been married before, if you have any children, whether you’re widowed etc. All this information will help your solicitor to outline your options, explain any inheritance tax implications or whether the will needs to include a discretionary trust.

PLAN YOUR FUTURE MAKE A WILL A will is probably one of the most important financial decisions you’ll ever make. Research carried out by Royal London  revealed that 54% of the adult population doesn’t have a will. For me, as a solicitor, this is a very scary statistic. A will is an incredibly important document. Without it, you’ll die intestate which means that you won’t be able to choose who you want to inherit from your estate, exclude those you don’t want to benefit from your death or even nominate those who you would want to look after your children. Instead, the government will decide on all these things and more for you, which may or may not correspond with your wishes, so you should never underestimate the power of a will.

make arrangements in order for you to be able to choose who you want to benefit from your passing. A good solicitor will put you at ease and explain the process in plain English so that you’re not overwhelmed or confused by any of the legal terms.You’ll also have peace of mind that your solicitor will be regulated by industry bodies, such as the Law Society and the Solicitors Regulation Authority. Some solicitors specialise in older client law and are trained to deal with the specific requirements of older people. They may also be able to visit you at your home to take instructions if you find it difficult to get out.


There’s a lot to think about when making your will; here’s a list of the main points you should consider: Who will write it? Unlike some will writers, solicitors are regulated and have a duty of care to act in your best interests. Whilst cheap, online or DIY wills can often cause problems further down the line because they only allow you to draft the most basic of wills. Anything a little more complicated can lead to the will being invalid or your loved ones having to pay a lot more to administer your estate retrospectively. What are you worth? In the first instance you need to understand how much you’re worth. Making a list of all your assets – any property, savings, shares, policies, insurances, pensions, jewelry, vehicles, gadgets, artwork, family heirlooms etc. – will help you determine the value of your estate. Don’t forget to include any online accounts as these are easy to miss if there’s no paper trail. Do the same thing again, but this time, list all your debts. These will be any outstanding mortgages, credit card balances to pay, loans, finance arrangements – anything you owe money on.

There’s often a misconception that making a will is an expensive, time consuming process, but the cost of applying for a grant of probate – obtaining the legal authority from the court to deal with a deceased person’s financial affairs – is far more expensive. It’s also something that your loved ones would have to do after your death which only adds to the stress and heartache they’ll already be going through. Planning your future in this way could be viewed as a little morbid, but the reality is that death is coming to us all, so it’s sensible to

If you’re planning on disinheriting any of your children or family members, make sure your solicitor knows about it so they can account for it when making your will. There are a growing number of successful claims made by children who have contested a will under the Inheritance Provision for Family and Dependents Act 1975. If your will is challenged, a judge can make an informed decision based on your explanation as to why those people have been left out of your will. If you don’t do it, a judge doesn’t have any evidence that you consciously made this decision and could potentially overturn your will.

Judith Bromley Russell & Russell

Choosing an executor When it comes to choosing an executor, you can appoint anyone you like as long as they’re over the age of 18. A word of caution though; being an executor is a responsible job that can involve a lot of work. They’re the person who’ll deal with distributing your estate, so you need

to make sure that whoever you choose they’re both capable of doing it and want to. Who’ll benefit? Next, think about who you want to inherit your assets. Will it be all family or is there someone who isn’t a blood relative you’d like to leave something to? Also, think about family dynamics. More people are re-marrying, so if this applies to you, you’ll need to think about how this will pan out if you have children from your first marriage, for example. You might also want to leave money to charity or an organisation. If this is the case, you’ll need to be careful to list the full name, address and registered charity number. Whoever and whatever you leave your estate to, it’s really important that you’re clear about what exactly you want to leave and to whom. Make sure it’s valid This can’t be stressed enough. If you don’t sign your will, it won’t be worth the paper it’s written on. This may be obvious, but it’s surprising how many people forget. As well as yourself, you’ll need two independent witnesses to sign in each other’s presence. The witnesses, their spouses or civil partners can’t be a beneficiary of your will otherwise they’ll lose their right to their inheritance. In fact, they shouldn’t even be present when your will is being signed. It’s also wise not to ask an executor to be a witness. If you’re unable to physically sign the will yourself, a clause needs to be added to the will stating that you understand the contents of it. It can then be signed on your behalf (as long as you’re present when it happens) with your consent. The consent basically states that you’re aware of the signing and that you’ve done it voluntarily and without pressure from anyone. If you’ve been diagnosed with a degenerative mental illness, such as dementia you can still make your will as long as you have mental capacity and understand the effect it will have. Again, you’ll need to add a clause saying you understand the contents of your will before it’s signed, but in addition you may also need a medical practitioner’s statement at the time the will is signed, certifying that you understand what you’re signing. Keep it up to date Once you’ve drafted your will, it’s vital you keep it up to date. Events like divorce or marriage will invalidate your will. To avoid confusion, once you’ve updated your will, make sure you destroy any earlier versions. Storing your will Leave your will with your solicitor for safekeeping and advise your executor of its location. For reference, your solicitor can provide you with a copy. Never attach documents to your will with paperclips or staples because if they become separated and leave marks, it could raise questions about whether the will is missing any parts or amendments. At Russell & Russell, we specialise in will writing. We’re accredited to the Law Society Wills and Inheritance Quality Scheme, which sets the benchmark for best practice and transparency in setting up wills and estate planning. All the solicitors in the wills and probate department are qualified members of Solicitors for the Elderly. The team is also part of the dementia friends initiative and we offer a free, no obligation consultation so that you can decide what you want to do and what’s best for you.


PREMIER BED STORES Helping local people enjoy a good night's sleep for over 34 years. In a new occasional series we focus on a business that has become an iconic, local company. We decided to focus on Premier Bed Stores. Established in 1986, set in the heart of Bolton Town Centre, but slightly hidden away off Deansgate next to a large car park, Premier Store is an independent family business. Once inside the large attractive showroom, it becomes apparent why this store is so popular, featuring a large range of different kinds of beds & headboards at prices to suit all budgets. They specialise in luxury handmade pocket spring beds from manufacturers such has Harrison Spinks, Millbrook and Reylon. These beds and mattresses are usually upholstered with all natural fillings which make them cool & comfortable to sleep on and most also come with a choice of 22

comfort level from gentle, medium or firmer feel. They also sell Tempur and Dunlopillo mattresses, these are usually non spring mattresses with technology to fully support the body in any sleeping position. In fact, customers are urged to visit the store to try the beds and lie on the mattresses for at least 5 minutes or longer if possible. Checking that the bed suits you is an important feature meaning that it is impossible to buy a quality bed online. With a family connection to the furniture trade, Julian Holt set up the business 34 years ago. He expressed that the three main objectives were knowledge, service and price.

“We pride ourselves on excellent product knowledge and between us have over 60 years of retail experience. We advise customers but we don’t push them at all. Our many reviews show that customers are very happy with their experience.” Another plus is that they offer free local delivery, with the delivery team taking the bed or mattress to the room of choice assembling it and removing the packaging. They can also for a small charge, remove your old bed with the assurance that the old bed goes to a certified recycling centre rather than a landfill. It’s easy to see why Premier Bed Stores have helped our local community sleep well for almost 35 years.

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Super luxurious beds and mattresses all available in gentle, medium or firmer comfort. The Choice is yours. But don't take our word for it, see what some of our satisfied customers say A hidden gem. Spotted this store whilst passing, glad we did. The lady was lovely, very knowledgeable and not pushy. Showed us a few different beds and we had planned to go to a different bed store later that day (which I had looked at online) but didn’t need to as we got exactly what we were looking for at a great price. Everything was explained to us, the process from start to finish, even got a nice bottle to celebrate our lovely purchase, highly recommend. Alison.B HHHHH Buy British. The vast majority of our products are still manufactured here in the UK and Premier Bed Stores still offers FREE local delivery and set up of your new bed.

Thrilled to bits. I can’t recommend Julian, Julie & all the team enough. From the minute I stepped in the shop to the delivery of my bed, mattress and headboard, I was guided through the process of finding my perfect bed, kept up to date with progress and delivery. It was delivered on the day promised and assembly was done by Scott. I wouldn’t hesitate to recommend Premier Stores as the service and product are 100%. Bev.B HHHHH

Rise & Recline Centre

Independent Family Business Est. 1986

T: 01204 363493





PremierStores Bed, Sofa-Bed and

Premier Bed Stores Queens Buildings Central Street, (Off Deansgate) Bolton BL1 2AB


Open: Monday-Saturday 9am-5pm | Closed Sundays






M&S BEDROOMS IN BOLTON CELEBRATES TURNING 40 WITH A REBRAND M&S Bedrooms was founded over 40 years ago and has continually supplied the Bolton and its surrounding areas with bespoke, high quality, fitted furniture. The company was named after its founder, Michael Stirling, which in the days of yellow pages and conventional advertisement wasn’t too big of an issue. Jump forward to 2020, and the name hasn’t aged very well. In the digital age, where your primary form of contact is likely to come from google searches and 24

social media, you need to be as unique as possible to get found. One of the core values of the M&S Bedrooms brand is family and that’s not something we want to lose, we want to revitalise it for the modern world. In the same way the business has transitioned from mother and father to children, the brand itself must follow suit, while maintaining everything that was so great about it. So, with this in mind, welcome to Stirling Furniture Design.


Designed. Manufactured. Installed Offering an extremely personal and tailored service, Stirling Furniture Design build their furniture around their customers’ needs and design a solution that is perfect for each and every client.



01204 694466 Unit 6 Fowler Industrial Estate, Chorley New Road, Horwich, Bolton, BL6 5LU

Made for your family, by our family...





LOCKDOWN LESSONS WE’VE LEARNED ABOUT OUR HOMES WE could never really have envisaged a time when we would be incarcerated in our own homes for weeks and weeks, could we? So, we had plenty of time to examine our homes in minute detail and decide just how we wanted to change our surroundings. What many of us did discover is that our homes were sometimes not fit for purpose. They were too big or too small, too dark, too cluttered and just not suitable for the way we lived our lives. The result has been a rush to estate agents to move to something more suitable or a willingness to re-think the homes in which we live and, finally, do something about them. The great thing about this latter decision is that these kinds of home improvements can actually add to the value of your property. One of the most popular changes people are already making to the outside is for a fresh coat of paint to WALLS and the FRONT DOOR. It might even be time for a new front door now that we’re actually able to leave the house. As the lockdown days turned into weeks and then months, our four walls became a safe haven or a prison – depending on the individual and sometimes on the day.


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If you’re brightening up the property generally inside, opt for neutral shades as this allows for future plans when you might want to sell your home. A prospective buyer is better able to imaging their own lifestyle if you go for neutrality in room furnishings. While we’re looking at neutral colours, another simple way to update your home is by painting both the exterior and interior WINDOWSILLS. Nothing says old-fashioned like wooden or stone sills and painting them gives your home a fresh look. The HALLWAY is another area that may have become an irritant during lockdown. If it’s dark and dingy, or just simply cluttered, now is definitely the time to open it up and appreciate its real proportions. New carpets or wooden flooring, mirrors and a fresh coat of paint can make it a very welcome entrance to your home once more. SPACE is something we’ve definitely come to appreciate during those months indoors: space to home-school children, lay out jigsaws, bake or just enjoy your favourite craft hobby. So rather than complain, do something about it. Could you build an EXTENSION, an ORANGERIE or add on a CONSERVATORY? Organisations like rated people allow you to post the job, get up to three quotes and see how other people rated individual builders.Go to Try to see work your selected builder or supplier has carried out locally and talk to their customers if you can. The online world now allows all areas of opinion to be aired so you can easily find out more about what customers thought about any tradesman’s skills and value. One thing is certain: it’s always best to go to the experts for major work at home.

Can you re-purpose specific rooms to suit your new approach to your lifestyle? Is the way you currently have your FURNITURE in particular rooms making the most of space there? Sometimes, decluttering needs to start with furniture rather than possessions. If you have realised that your old sofa is actually uncomfortable after you’ve spent long hours watching Netflix, or your dining room table and chairs are just too bulky, consider a change if you can. Side tables, large furniture and awkward cupboards could be replaced with streamlined, more modern items and built-in units that make the most of existing space to suit your daily lifestyle. The bonus for charity organisations like Emmaus and the British Heart Foundation is that they will often collect your unwanted items free in order to help fund their vital work. Light has become particularly important in our homes during lockdown, especially on grey days. So, is this time for new, more modern and more efficient WINDOWS? Today’s market offers a multiplicity of styles and sizes which keep warmth in and cold out better than ever and – perhaps most importantly now – bring light into many new areas of your home. Look at brightening up previously dark areas including landings or attics with roof windows like Velux. These help create rooms from unused part of the home and give an illusion of space in cramped areas.


Are you now WORKING from home? If so, you may have outgrown the kitchen table and long for a real office space. The key here is to create a separate office environment that makes a clear distinction between home and work. Find the best place for your new office – a spare room or even rarely-used bedroom, for example, or just a small space you like. Ensuring you get the most natural daylight and fresh air possible here is a must. You’ll need enough plug sockets for your laptop and phone, drawers and/or a desk and a really good office chair. It’s worth getting the best, most ergonomic chair you can afford as you’ll be sitting in it for long periods.


Many successful home workers now have a purpose-built “shed” or separate building in the garden – it doesn’t have to be huge. Pop into stores like IKEA for home office furnishing ideas that won’t cripple your budget.


And while we’re looking at your property’s outside, GARDENS have proved really

Tel: 01204 456054 Email: 27





By experts with over 60 years joint experience

important to people’s mental and physical welfare in recent months so take a fresh look at yours. Even the smallest outdoor space can be used well: jet-wash a garden patio to make it look bigger and brighter. Fill a bare space with big tubs of plants or quirky containers of flowers. Find cheap seating to allow you to enjoy the fresh air and sunshine.

All our blinds are made to measure here in the UK and installed by highly experienced installers. We can offer a solution for all shading and privacy issues including motorised blinds and tracks, external blinds, window films and Plantation shutters. We have no false discounts or silly offers just good products and straight forward honest customer service.

We specialise in:

• Shutters • Wood • Roller • Vision • Anti allergy blinds • Motorised • External • Office Blinds

And much more, with the latest fabrics and colours!

Visit our showroom 176 St George’s Road, Bolton BL1 2NZ

T: 01204 292087 28

There has also been a huge upsurge in hot tub sales in the last months to make the most of outdoor living. If this - or even installing a swimming pool – appeals to you, go to the website of the British and Irish Spa and Hot Tub Association (BISHTA) at for general advice and suppliers.

And enjoy your new post-lockdown home!

with outlets in Heywood, Bury and Buxton

Helping to Create Beautiful Homes A message from Karen Simpson‌

Free Delivery within 30 miles of each outlet.

Opening in Leeds Kirkgate Market shortly

Hello there! It warms my heart to hear and read all the wonderful things that people are saying about Simpson Furniture. Our reputation is reaching far and wide, and we feel very humbled when people make a special effort to come & see us, whether it is a friend returning or having been recommended to come by a friend, relative or neighbour. It tells us everything we need to know; it tells us we are doing something right – it says we are stocking the right products, it says that people have choice, it says we have unique accessories, it says our prices are fair and reasonable and it says that we cater for most pockets. But most of all it says that our company ethics of putting our customers first and giving them the shopping experience and service they deserve, is right up there at the top of the list for running a successful business. Whichever outlet you choose to visit, you are always welcomed like an old friend.

As most of you know, we are a family business, and not that ‘old’ in business terms; we are currently in our 4th year. We are fortunate enough to have a great team of people on board who all have the same outlook, values and innovative ideas as we do. With the help of our loyal customers, we are still managing to go from strength to strength, even in these difficult times, and we are delighted to announce the opening of our newest outlet. This will be based in Leeds City Centre’s Kirkgate Market and is scheduled to open in late September. If you’re in the area, pop by and say hello! Our product base is changing all the time; we are always on the lookout for new lines, new manufacturers and new suppliers, so there is always something different to see and explore. Environmentally, we try to source products that are sustainable, and this includes our fabulous range of occasional furniture. Most of the wood used in this is either reclaimed or from a sustainable source such as Mango. It also includes our clocks made from old brick moulds, or our coat hooks made from antique wooden moulds used by cobblers from years gone by.

Exquisite contemporary & traditional suites to make a house a home.

High quality British dual motor lift and tilt chairs.

Occasional furniture sourced from sustainable wood.

Brand new range of quirky artwork and accessories in store.

Find us:

Church Pace, Hartley Street, Heywood OL10 1LT Bury Market Hall, 1 Murray Road, Bury, BL9 0BJ Buxton

01706 368628

The Springs Shopping Centre, Buxton, SK17 6DF

Simpson Furniture LTD



& LANDSCAPE SUPPLIES Turf, Soil, Porcelain & Stone Paving, Decorative Gravels, Sleepers, Artificial Turf, Cements, Walling Stone, Bark OLDS HOLTS FARM, ROADING BROOK ROAD, HARWOOD, BOLTON BL2 4JD

01204 883733 / 01204 888555 follow us on


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Potentilla fruticosa ‘Elizabeth’ – Deciduous shrub with yellow flowers from May to November; Hylotelephium ‘Red Cauli’ – Perennial with fleshy, deciduous, dark green leaves and small, bright pink, star-shaped flowers; Ceratostigma willmottianum – Also known as Chinese plumbago, this deciduous shrub has striking blue flowers and grows happily in sun or partial shade; Acer japonicum ‘Aconitifolium’ – Use as a shrub or small tree. As the latter it can reach 6ft (1.8m) tall in ten years. The leaves turn crimson in autumn; Dahlia – Perennial with a variety of bright blooms to choose from; Agastache – Herbaceous perennial with aromatic foliage and bluish/violet flowers;

ENJOY YOUR GARDEN FOR LONGER Want to make summer in the garden last as long as possible? Garden writer, Julia Heaton, has some ideas that will keep enticing you outside well into October. Lockdown has given us a new appreciation of our gardens. Whether you spruced up your beds and borders or simply invested in a new set of tables and chairs, it’s bound to have got you thinking about what else you can do to extend enjoyment of your outdoor space before winter sets in. Appeal to the senses

concentrate on the overall view from the house to ensure it invites you outside. Long lasting and colourful plants Plants that work hard for you at this time of year include: Aster – Also known as Michaelmas daisy, flowers through July to October;

Crocosmia – Available in a variety of yellow, red and orange blooms; Japanese anemone – Flowers of this herbaceous perennial will start to come through in July and will still be going strong to the first frosts. Evergreens for structure For on-going structure and background interest aim to have at least one-third evergreens. Plants like: Pieris japonica ‘Blush’ – A compact shrub that thrives in an acid soil; Daphne odora ‘Aureomarginata’ – Fragrant flowering shrub; Stipa gigantea – Grass with long linear green leaves, ideal for a smaller garden;

A good starting point is to look at ways that your garden can feed all five senses – taste, smell, sight, sound and touch. A sensory garden naturally encourages you to interact with it and ultimately contributes to a feeling of better emotional and physical well-being. Sight – There are still lots of beautiful plant colours around at this time of year. The trick is to create a balance between the bright, energising type and the softer, muted ones. Contrast colours with different shapes and sizes of plants. And for anything that’s visually unappealing, like a compost bin or waterbutt, use evergreens to hide it. Don’t forget to

Verbena bonariensis – A hardy perennial, grows to 48in (120cm). Its purple flowers are a magnet for butterflies;

Buxus sempervirens – Can be clipped into different topiary shapes for added interest and can be grown in the ground or containers; Abies concolor ‘Compacta’ – A slow growing conifer with a spreading shape. 33

Other additions, like wind chimes and the gentle trickle of a water feature, will have you at ease in no time. It’s no co-incidence that chimes are often made of bamboo as well as materials like glass and metal, which create a clearer tinkling effect. Look out for solar wind-chimes that light-up for added interest. Smell – There’s something magical about scented plants. Grown on the patio, so the fragrance wafts in every time you open the back door, or further down the garden, they will always invite you to follow your nose. Some, like roses, will release their scent automatically into the air, while others do so when you touch or crush the leaves between your fingers. Go for a mix of subtle and more intense scents. Rosemary and lavender are wonderfully aromatic. The latter is ideal planted along a pathway where it will release its scent as you brush past it. Then there are scented leaved pelargoniums that give off aromas like citrus, ginger, rose and strawberry and flower through to October. Try also Daphne ‘Eternal Fragrance’, a good semi-evergreen shrub that will flower from April through to October. Taste – Herbs, like mint and rosemary feed a trio of senses – touch, smell and taste. As well as the obvious fruit trees and vegetables – there’s nothing quite like popping into the garden to pick your own apples – think too of edible flowers like nasturtiums, cornflower ‘Centaurea cheiranthifolia’, pelargoniums and the pretty wild pansy Viola tricolor (heartsease) as a garnish to any salads and puddings that you serve to family and friends when dining outside. Hearing – Use a variety of sounds to create a relaxing environment. Look to ornamental grasses and bamboo, which produce a soothing rustling as breezes catch them. Grass Miscanthus sinensis ‘Morning Light’ grows to 5ft (1.5m) while clump forming bamboo, Fargesia ‘jiuzhaigou’, offers green, red and purple canes growing to 9ft 8in (3m). Think of weeping tree varieties as well.

working to live and give

Water features come in all shapes and sizes but for a quick addition to the garden a solar or a battery powered design is easy to have up and running in no time. They can also help to mask any extraneous noises and some even light up at night. Touch – Plants offer a variety of textures that are inviting to the touch. Evergreen Stachys byzantine ‘Silver Carpet’ has grey, woolly leaves and is low growing, so ideal for the front of a border. Then there’s borage, which flowers straight through summer into October and has rough, hairy leaves that are also edible. Pennisetum villosum ‘Cream Falls’ has fluffy late summer flower heads, good for containers and the front of borders where you can run your fingers over it. Touchability what the glorious Acer griseum is all about with its peeling bark. And It’s always interesting too to have walkways of different surfaces underfoot – like a mix of gravel, stone slabs and bark. Awnings and landscaping features While appreciating all the sights, sounds and fragrances of your garden you’ll want somewhere to enjoy it from so you can continue to go outside on cooler evenings or when the days start to grow shorter. If you have a gathering of friends in mind then a fabric gazebo with a concertina frame is easy to put up and take down and offers weatherproof protection in most conditions. As a permanent alternative a good awning covers a wide area and, because it’s wall mounted, it won’t take up any floor space so doesn’t affect where you place your furniture and pots.

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With busy lives, it can be hard to find time to volunteer. However, the benefits of volunteering can be enormous. Volunteering can help you meet new people, learn new skills and even feel happier and healthier. If you are looking to get back into work, volunteering can be a great way to build your CV. Give us a call to hear about the volunteering opportunities we have at Emmaus Bolton.

working to live and give Come and join our great team! Ask for more details on 01204 398056 or email 35




leaves and produces scented flowers all summer. Alternatively, you could attach canvas sails to the frame. Arbours look lovely and provide covered seating from where to enjoy a favourite view of your outdoor space. The design has been around for hundreds of years but look out for those with a modern twist that provide storage in the seat – ideal for having cushions and rugs immediately to hand. Creating a lifestyle When it comes to eating and entertaining outdoors there’s something for everyone and every pocket these days. From small table-top barbecues to pizza ovens and even barbecue huts. With built-in grill, chimney and benches the latter is ready for use at any time of year, not just late summer, as is a hot tub. Positioned under an awning or pergola this can add a touch of luxury to any garden setting.

A good option for plant lovers is a pergola. It’s a feature in itself but growing your favourite climber up it quite literally takes the look to another level. One fast-growing option is Trachelospermum jasminoides (star jasmine), which has evergreen

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Similarly, garden lighting has come a long way in the last few years. No longer just called upon to add atmosphere to a summer garden party, it’s now a year-round feature. Use it to spotlight statement plants, dress a pergola, or to make a group of steps safer and aesthetically pleasing. Again, the choice is wide from solar and battery to mains wired and wireless connected systems. With the right elements and features in place your garden won’t just be a relaxing haven at the height of summer, it will have a magic that keeps on drawing you to it for so much longer, not only this year but for years to come.

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String up a sturdy line or rope between the branches of adjacent trees or use bamboo canes to make a simple wigwam frame. Drape over an old sheet, throw or blanket. If you have a waterproof groundsheet from camping use this to line the inside of the den before piling on a duvet, throws and cushions to make a super snug space. PLAY A GAME Board games teach grandchildren patience, learning to wait for your turn and how to win and lose gracefully.Young players will also learn how to count spaces and develop their hand-eye co-ordination. It’s a great way to spend family bonding time too.

EASY GARDEN IDEAS FOR GRANDCHILDREN By Sarah Wilson, contributor at, the home of outdoor living For the grandparents who have the opportunity of spending more time with their grandchildren, Sarah Wilson, contributor at, put together garden ideas activities to offer plenty of inspiration for action-packed afternoons.

or wall in a sunny, sheltered spot that’s near bee friendly flowers such as lavender and enjoy the buzz.

MAKE A BEE HOTEL Bees have lost much of their natural habitat as wildflower meadows vanish. So they need a helping hand to find a safe nesting place. Building a bee hotel is a lovely way to spend a sunny afternoon and now’s the perfect time to do it. Grandchildren will love the idea of doing something to save the bees, while crafting a hotel from scratch is an activity the whole family can enjoy. Essentially it’s a box made of wood and bamboo canes hollowed out to different diameters to accommodate all bees whatever their size. There are lots to choose from online too if you decide that crafting one yourself is a step too far. Once ready, secure your bee hotel at shoulder height to a fence

CREATE A GARDEN DEN Grandchildren love to make dens and creating a garden hideaway is a fun thing to do too. Don’t make it too easy for them though. Instead, encourage your grandkids to use their imaginations to come up with ideas for how they want their den to look.

DESIGN A BUTTERFLY SUNCATCHER Encourage your grandchildren to get creative with a project that’s guaranteed to put a smile on their face. Add some magical light and pattern with a suncatcher hung from the branches of a tree or pergola. Also known as rainbow makers, when they catch the sunlight colourful patterns will dance and flicker around the garden. WATCH AN OUTDOOR MOVIE When it comes to special moments, nothing beats snuggling up together for a family film night. Moving it outside to the garden on a balmy evening will turn the experience into something they’ll remember. Easy to set up, all you need is a white sheet thrown over a washing line and a projector. Alternatively take your TV outside but set it up carefully and be mindful of cables. Set the scene with lots of magical lighting. Multicoloured festoon lights adds a special touch that children will love. Dot around some lanterns too for a fairytale vibe, then pile up the blankets and throws. And don’t forget the popcorn! 39




GET GROWING It’s not too late to plant seeds and still get a bumper crop this summer. Herbs such as mint (add to homemade lemonade) and basil (for homemade pizza) are super easy to grow. If children want to try flowers, a pack of forget me not seeds is a good starter. They can be grown throughout summer and into September. It will soon be time to plant spring bulbs too, which helps them learn about the growing seasons. TRY ZORBING A fun pastime grandchildren of all ages will love, you don’t need a slope for zorbing as it works on a flat lawn too. They work on water too if you’re planning any summer pool parties. Made of environmentally friendly high quality and extra tough PVC, it’s guaranteed to see a lot of action. CONSTRUCT A SUNDIAL This activity is good for all age groups from four years up. Little ones will learn numbers while seeing them change, while older grandkids can learn about finding North and how we move around the sun. All you need is a sunny spot. There are lots of ways to make a sundial, including drawing round your shadow from the same point at different times during the day. But the easiest way is to buy a kit.

sheltered spot but they can also be attached to a window with suction pads. Seeing them feed up close becomes a more personal experience for grandchildren. The RSPB recommend seeds, suet and peanuts for blue tits and sunflower hearts for finches.

THROW A TEA PARTY One of the easiest ways to keep the grandkids amused for hours is to set up an imaginative play scenario in the garden. Tea parties and picnics are always popular, especially if you invite the teddy bears too. Throw down a picnic rug then add a few key accessories to get the party started. Giving it a birthday theme will go down well, especially if you add the right props. CAMP OUT IN THE GARDEN If you never know where the tent pegs are and even if you find them it’s a palaver putting the tent up, think about a more permanent structure for kids to camp out. A wooden teepee makes a great hideaway (they come with a fabric door to keep parents out) and you can find a space for it that doesn’t leave a big patch of dead grass on the lawn. Add duvets, throws, a few cushions, and an airbed if you want to take things up to the next level. BUILD A BIRD FEEDER Attract more birds to your patch with a simple building project kids will love. Bird feeders should be placed in a quiet and 40

ORGANISE AN OUTDOOR TREASURE HUNT Getting out in the garden can be educational. Choose a nature-themed treasure hunt and kids will learn to identify things in their natural environment. Try theming the hunt – searching for bees, bugs and butterflies, identifying leaves and flowers, or a checklist of sensory experiences such as cloud watching, smelling scented flowers, listening for birdsong and walking barefoot in the grass. Don’t make it too easy as it’s more fun if the riddle is hard to solve. The prize at the end could be a jam jar filled with coins or a bag of loot from the pound shop.

BUILD A BUG SANCTUARY Choose a dark corner of the garden to build a haven with lots of nooks and crannies for insects to hide in. Help your grandchildren look for twigs, leaves, moss and bark. If you have any broken terracotta pots, bricks, old roof tiles or logs add them to the mix to provide plenty of cool damp places for bugs to hide in. Check out local skips for old pallets too, as these make an ideal base for building up layers. If you want something a little more swish and you’re handy with a drill use wood to create a set of hollow interconnecting shapes you can then fill. Build up layers of wood, bricks and logs, pushing moss and leaves into holes and spaces to create retreats. A cordless drill is ideal for drilling tunnels into logs. PRESS FLOWERS FOR CRAFT PROJECTS Encourage the grandchildren to find flowers in the garden that can be kept and used later for decorative art and craft projects such as cards, journals and framed pictures. Make sure they pick the flowers on a dry day after the morning dew has evaporated as the blooms need to be dry.You can get good results from common garden flowers such as roses and daisies. Trim off any stamens to avoid the petals getting stained and keep some leaves on the stem for a more natural look. The flowers should then be arranged between two sheets of non-stick baking paper. Alternatively a neat trick is to slip flowers inside coffee filter papers. Always make sure the flowers and foliage don’t overlap when arranging them. Insert into a large book and pile more books on top to add weight. In two weeks your flowers should be ready.


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VOLKSWAGEN GOLF 8 THE word icon is used an awful lot these days and very often with little or no justification - but in this case I think it is well deserved. The VW Golf changed the car market forever when it was first introduced in the mid-1970s replacing the venerable rear engine, air cooled Beetle. Front wheel drive and with a hatchback the Golf was ground-breaking and went straight to the top of the sales charts for family cars. It has remained the benchmark motor for hatchbacks for 46 years, constantly upgraded and developed until we get to 2020 and the Golf 8, our latest test car. Still good value at £23,900 our entry level Golf Life 1.5 TSi 130ps 6-speed manual came with a couple of extras including one I could certainly live without… a dazzling Lime Yellow metallic paint job (£625) and one I would say was worth the extra cash – a great sat nav/infotainment system on the 10” central touchscreen (£1,600). For the eighth generation a lot of dashboard switches are replaced by that central touchscreen system, which is linked to a digital dashboard similar to VW’s Audi stablemates that can change at the flick of a switch to various different displays.


You can switch between the more important menus via small shortcut ‘buttons’ underneath the screen and the setup is fairly easy to navigate – although it did take me a while to turn the AC fan down. The digital instruments are clear and provide useful additional warning and prompts without overloading the driver. Another plus is adaptive cruise control and wireless phone connectivity and charging which are both standard fit, even at the lower trim level of our test car. Other standard features include: keyless start, heated door mirrors with puddle lights plus exterior door handle lighting, electronic parking brake with hill hold, all round parking sensors and rear camera, auto lights and wipers, stop-start fuel saving technology and a whole raft of the safety features we have come to expect from VW. Another clever trick the Golf can perform is shutting down two of its 4 cylinders when not required to give great mpg figures – up to 61.5. It is amazing just how seamless this is – in the old days you knew when your car was not firing on all cylinders but the only sign here is a message on that digital dashboard. On a 250-mile round trip to a new car launch in Warwickshire I actually managed

to better VW’s claimed mpg with the car showing an overall figure for the journey of around 66 which, from a 129bhp 1.5-litre turbocharged, non-hybrid petrol hatchback is impressive. Possible VW’s aerodynamic body style revisions for the 8 contribute to this achievement. The car’s still recognisably a Golf from the side but at the back and front things are more cutting edge. Engine wise petrol options range from a 108bhp 1.0-litre TSI three-cylinder turbo, though several 1.5-litre TSI four-cylinder turbos and 2.0-litre TDI diesels with 113 and 148bhp. VW has added 48-volt mildhybrid technology although for now only on the higher spec 148bhp eTSi. VW say a 241bhp Golf GTE along with GTi, GTD and R models are to follow. So will this latest Golf reclaim the top dog slot for VW in both UK and global sales? Well despite all the new stuff it sticks to what has always been the reason so many people drive a Golf – it does everything well in an understated way and should be a very easy car to live with.

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driver’s seat, heated seats and heated steering wheel, 10.25 inch touchscreen infotainment system with satellite navigation and front parking sensors. The Kia Niro ‘4’ spec features all that of the ‘3’ spec, but adds a sliding power sunroof, LED headlights, heated passenger seats and ventilated front seats. On the twisty Yorkshire B roads, and bypasses, the car proved pleasant and easy to drive; and at £27,100 for the Kia Niro ‘3’ spec, is certainly good value. Also impressive is the Kia 7 year / 100,000 miles warranty, which means peace of mind for those looking for long-term ownership.


Kia already knows their Kia Niro is a winner as the all-electric version – the Kia e-Niro - is currently the Northern Car Journalist’s Car of the Year.

Kia has come a long way in the UK in just a few decades, and none of their models show this more that the popular Kia Niro Self-Charging Hybrid.

Members of the Northern Group of Motoring Writers (including yours truly) voted the compact crossover as its top car for 2019-20, beating strong competition. They judged the Kia e-Niro to be a truly practical electric vehicle, with a real world fully charged range of between 250 and 300 miles and excellent performance from its 201bhp electric motor.

At a recent Kia driving day, where all Kia UK models were on show, I was able to drive the latest Kia Niro Self-Charging Hybrid, which had a 1.6ltr petrol engine and electric motor to give mpg figures of over 60, with impressively low emissions. This means the Kia Niro Self-Charging Hybrid is a great choice for those looking to get the most from their motoring at the least cost, both to the pocket and planet. You would not know the car is a hybrid vehicle at first, as it handles just like a normal crossover/small SUV with the electric motor, seamlessly, cutting in and out. Performance is good with 0 to 60mph taking 11.1 seconds and a top speed of 101mph, thanks to 139bhp being on tap. The car decides on power delivery as circumstances dictate – there is no mode switch as in other cars – so it can cruise along in electric only until you put your foot down or at low speeds around town. The recent facelift has seen a few external changes, with different bumpers and a revised grille, plus re-designed headlights

and tail lights. What hasn’t changed is the impressive range of specifications as standard. The latest Kia Niro Self-Charging Hybrid range starts from a ‘2’ spec, and includes 16-inch alloy wheels, black part cloth and leather upholstery, 8.0-inch infotainment screen (though no satellite navigation), reversing camera, rear parking sensors and a wireless phone charger, which works with certain phone models. Upgrade to the Kia Niro ‘3’ spec, which was the one I test drove, and you get 18inch alloy wheels, LED front fog lights, full leather upholstery, electrically adjustable

Members also felt it was a more practical family car, compared to electric vehicles from other manufacturers as it can charge up to 80 per cent on a normal domestic UK socket in less than 10 hours, with a rapid charger possibly lowering charge time to less than one hour. So, it is not hard to see why there are now so many Kia vehicles on our roads as the brand continues to deliver vehicles like the Kia Niro range, which are cutting edge, good value both to buy and own and easy to live with. By Motoring Editor Steve Howarth For more information see





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Steve Openshaw, Group fleet and transport manager, said: “To facilitate the uptake Fuel consumption in mpg (l/100km) for the All-New Kia Stonic range: Urban 40.4 (7.0) - 57.6 (4.9), Extra Urban 61.4 (4.6) – 74.3 (3.8), Combined 51.4 of electric vehicles we have installed five (5.5) – 67.3 (4.2) CO 2 emissions 125-109g/km. MPG figures are official EU test figures for comparative purposes and may not reflect real driving results. Model shown All-New Kia Stonic ‘First Edition’ 1.0 T-GDi 118bhp 6-speed manual ISG at £20,240 including premium zest yellow with black roof paint at £545. All-New Kia Stonic available from £16,295. Specification charging our head office and we varies across the range and is subject to change without notice. Offer available on purchase of an All-New Kia Stonic in the United Kingdom between 01.10.2017points – Private customer registrations only, excluding Personal Contract Hire. Please visit or contact your Kia Dealer for full details and exclusions. T&Cs apply. Subject to status. 18s or over. Guarantee may be plan to increase this to 25 next year with Care-3 is the Kia servicing package that covers recommended manufacturers servicing. required. Kia Finance RH2 9AQ. 7 year / 100,000 mile manufacturer’s warranty. ourselves being a financial commercial Kia Motors UK trading as Bolton“We Kia are apride credit broker (not a lender) for on the purposes of this promotion and can introduce you to a limited number of carefully selected finance providers and may receive a commission from them for the introduction. an additional 30 charging points across our business with a social conscience and our property portfolio. Our drivers have also environmental and social responsibilities are undergone environmental driver training at the forefront of our culture and policy. with the Energy Saving Trust and we are It is important to us as a company, our collecting and analysing data on transport and employees and the wide range of customers energy use from all areas of the business to we work with to make sure the environment find new ways of further reducing our carbon is protected.” footprint.” Eric Wright Group partnered with Bolton Bolton Kia – Europe’s No.1 Kia – Europe’s No.1 Kia Dealer, based on Middlebrook Retail Park, which saw the Kia Dealer As part of its ongoing low carbon group add 10 fully-electric Kia e-Niro’s to commitment, the Eric Wright Group Bolton Kia is the only wholly-owned their fleet. The award-winning Kia e-Niro has expanded its workforce fleet with subsidiary of Kia Motors (UK) Ltd. In terms recently scooped the Award for the ‘Best the purchase of a number of fully of volume of sales, Bolton Kia is the number Medium Electric car’ in the Diesel Car & Eco electric vehicles (EVs). one dealership in the whole of Europe. Car Top 50 and offers up to 282 miles on a The Bamber-bridge based company took single charge. Services available through our Fleet Team delivery of ten fully electric Kia e-Niro cars include Business Leasing and Personal As a Business Specialist Dealer, Bolton Kia from Bolton Kia – Europe’s No.1 Kia Dealer, Contract Hire, Outright Purchase, Salary have a dedicated Fleet Department with and five Model 3 Tesla cars and has further Sacrifice, NHS Scheme and Driving School a wealth of knowledge, and over 70 years orders placed for 10 EVs. Programme. For more information and to combined experience, to help customers speak with a member of Bolton Kia’s Fleet The company is transitioning its entire fleet find the right car for their business needs, Team, please email to electric/low emission vehicles as part of whether you require one vehicle or an entire or call 01204 664800 its drive to low carbon. Last year 20% of fleet of vehicles. Our new Kia cars come the 170 cars which the business leases were with Kia’s pioneering 7 year / 100,000 miles hybrid, plug-in hybrid or pure EV and the manufacturer’s warranty for complete peace company intends to increase this to 60% of mind driving. by 2025. A number of businesses within Tracy McGrath, Business Sales Coordinator the Group have also been trialling electric at Bolton Kia, said: “It’s been a pleasure to commercial vehicles to identify whether a work with the Eric Wright Group and be switch to commercial electric vehicles is also a part of the company’s drive towards zero possible. carbon. Our fully-electric Kia e-Niro has Commenting on the fleet investment and the been turning many heads in the industry and company’s drive towards zero carbon, Group with customers alike, so it’s great to see a managing director Jeremy Hartley said: “We local company’s commitment to provide their are committed to operating our business in a staff with 10 new Kia e-Niro’s.” wholly responsible way to preserve the world in which we live. That includes driving down Bolton Kia is proud to be Europe’s No.1 Kia Dealer, conveniently located on Middlebrook Retail carbon emissions within the fleet and doing Park, off Junction 6 of the M61. 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Bolton Kia 79 The Linkway, Middlebrook Retail Park, Horwich, BL6 6JA • 01204 664800 @bolton_kia





















MPG figures are official EU test figures for comparative purposes and may not reflect real driving results. Fuel consumption and CO2 emissions are tested using WLTP. Only compare fuel consumption, CO2 and electric range figures with other cars tested to the same technical procedures. For more information about WLTP please refer to uk Offer available on Business Contract Hire on orders received before 22nd September 2020. Quotation valid at Bolton Kia from 25.08.2020 – 22.09.2020, subject to availability and status. Age 18+ only. Business Contract Hire Terms and conditions apply. *Figures based on model shown: Kia Niro Self-Charging Hybrid ‘4’ 1.6 GDi 156kWh lithium-ion 139bhp 6-speed Automatic DCT including Ocean Blue premium paint at £585.00 on Business Contract Hire with advance rental of 6 months rental + VAT (£1,480.56 + VAT), followed by 35 monthly rentals of £246.76 + VAT. Excess miles over contracted mileage of 8,000 miles per year (24,000 total contract mileage) over 36 months charged at 5.89 pence per mile (+VAT). Excess charges also apply if you breach manufacturer servicing or maintenance guidelines or if the car exceeds BVRLA Fair Wear & Tear guidelines for its age/mileage when it is returned to Kia Contract Hire. The total P11D value of the vehicle includes options, extras, manufacturer’s delivery of £495.83 and VAT. Total Effective Rental (applicable to cars only) is £271.44 (this assumes a 50% VAT disallowance on the Finance Rental and VAT). Business Contract Hire Customer Maintenance (inc. RFL). Package includes road fund licence and Kia Contract Hire Assistance. Guarantee/ indemnity may be required. Prices and details are subject to change without notice. For full specification and T&Cs contact your local retailer. Kia reserves the right to amend or withdraw offers at any time without prior notice. You will not own the car. ALD Automotive Ltd., trading as Kia Contract Hire, BS16 7LB. 7 Year / 100,000 mile manufacturer’s Warranty. For full terms and conditions visit Kia Motors (UK) Limited trading as Bolton Kia are a broker (not a lender) for the purposes of this financial promotion and can introduce you to a limited number of carefully selected finance providers and may receive a commission from them for the introduction.





EQUITY RELEASE? THESE days we have to look at a variety of ways to raise cash and ensure that our future will be secure and one popular way for anyone over 55 to do just that is via equity release, which offers the chance to access the cash – the equity – tied up in your home. It can be as a lump sum or in several small amounts, or a combination of both. There are two equity release options: lifetime mortgage and home reversion. The Money Advice Service explains that a LIFETIME MORTGAGE means that you take out a mortgage secured on your property, provided it is your main residence, while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family or you can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care.


Most people who take out equity release use a lifetime mortgage. Usually you don’t have to make any repayments while you’re alive and interest “rolls up” (unpaid interest is added to the loan), meaning the debt can increase quite quickly over a period of time. However, some lifetime mortgages do now offer the option to pay all or some of the interest. Some will let you pay off the interest and the capital. In the same way ordinary mortgages vary from lender to lender, so do lifetime mortgages, and if you’re looking at this option it’s worth knowing that the minimum age for this is usually 55. As we’re now all living longer, the earlier you start the more this is likely to cost in the long run. The average borrower in their late 60s can usually borrow around 35% of the value of their home, but how much can be released is dependent on your age and the value of your property. The percentage typically increases according to your age when you take out

the lifetime mortgage, while some providers might offer larger sums to those with certain past or present medical conditions. Many lenders offer interest rates which are fixed or, if they are variable, have a “cap” or upper limit which is fixed for the loan’s duration. Check whether the product has a “no negative equity guarantee” This means that, when your property is sold and agents’ and solicitors’ fees have been paid, even if the amount left is not enough to repay the outstanding loan to your provider neither you nor your estate will be liable to pay any more. Consider whether you can pay none, some or all of the interest. If you can make repayments, the mortgage will be less costly. However, with a lifetime mortgage where you can make monthly payments, the amount you can repay might be based on your income. Providers will have to check you can afford these regular payments.

Look at whether you can withdraw the equity you’re releasing in small amounts, as and when you need it, or whether you have to take it as one lump sum. The advantage of being able to take money out in smaller amounts is you only pay the interest on the amount you’ve withdrawn. If you can take smaller lump sums, check if there is a minimum amount. It’s also worth finding out if you have the right to move to another property, subject to the new property being acceptable to your product provider as continuing security for your equity release loan, as different lifetime mortgage providers might have slightly different thresholds. A HOME REVERSION involves you selling part or all of your home to a home reversion provider in return for a lump sum or regular payments.You have the right to continue living in the property until you die, rent-free, but you have to agree to maintain and insure it. You can ring-fence a percentage of your property for later use, possibly for

inheritance - the percentage you retain will always remain the same, regardless of the change in property values, unless you decide to take further cash releases. At the end of the plan, your property is sold and the sale proceeds are shared according to the remaining proportions of ownership. You will get a lump sum or regular payments – normally between 20 per cent and 60 per cent of the market value of your home, or the part you sell. With home reversions, it’s worth checking whether or not you can release equity in several payments or in one lump sum and the minimum age at which you can take out a home reversion plan. Some providers insist you’re at least 60 or 65 before you can apply. Keep in mind the percentage of the market value you will receive. This will increase the older you are when you take out the plan but might vary from provider to provider. Also check whether you have the right to remain in your property for life or until you need to move to long-term care, provided the property remains your main residence

and you abide by the terms and conditions of your contract. Again, check whether you have the right to move to another property, subject to the new property being acceptable to your product provider as continuing security for your equity release loan and whether the product has a “no negative equity guarantee”.You will also need to know what level of maintenance you’ll be expected to carry out and how often your property will be inspected – this could be every few years. Overall, equity release might seem like a good option if you want some extra money and don’t want to move house, but it’s worth bearing in mind that equity release can be more expensive in comparison to an ordinary mortgage. It’s also worth considering any additional changes taking out equity release could make to existing arrangements, with the potential to lose means-tested benefits being key among them. It’s also worth considering involving your family throughout the process, as any equity taken out of the home will impact their inheritance later down the line.

Unlock tax-free cash from your home



with the UK’s No.1 equity release advisor*

Tax-free cash to spend as you wish

The UK’s No.1 Equity Release Advisor*

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Speak to one of our advisors for your free, no obligation quotation and to find out how much tax-free cash you can access to spend as you wish. They will explain how equity release could affect the amount of inheritance you can leave and if your entitlement to means-tested benefits could be affected now or in the future. Equity release may involve a home reversion plan or a lifetime mortgage which is secured against your property. To understand the features and risks ask for your personalised illustration. Equity release requires paying off any existing mortgage. Any money released, plus accrued interest, would be repaid upon death or moving into long-term care. Only if your case completes would a typical fee of 2.25% of the amount released be payable (minimum £1,695). 1 You only continue to own your own home with a lifetime mortgage. *UK’s No1, based on volume of plans, source: Touchstone data 2018 - Q1 2020.

To find out how much money you could release and to request your FREE guide call

Freephone 0800 141 3628 Age Partnership Limited is authorised and regulated by the Financial Conduct Authority. FCA registered number 425432. Company registered in England and Wales No. 5265969. Company address: Age Partnership Limited, 2200 Century Way, Thorpe Park, Leeds, LS15 8ZB. VAT registration number 162 9355 92.

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acing the breakdown of a marriage or long term relationship is one of the most stressful life experiences with a whole range of emotional turmoil – from anger and distress to thoughts of loss and the worry of an uncertain future. So, it is crucial that you obtain expert legal advice at an early stage. Each family, marriage or relationship is unique and it is never a case of one size fits all. Obtaining advice face to face from a qualified professional is very important. At Clough and Willis, we pride ourselves


on providing support, empathy and guidance at each and every step. We understand that trust is at the core of everything we do and so it is vital for you to feel comfortable with us. We are confident that at the end of the process you should feel that you have maintained your dignity and self respect and can move on with your life. The following are some examples of the questions that are put to us on a regular basis.

1. My wife and I have agreed to separate. We have been led to believe that it is possible to apply for a divorce based upon the fact that we have simply grown apart. Is this correct? No. The sole ground for divorce, is the irretrievable breakdown of your marriage. If you want to apply for a divorce immediately then there are two reasons available namely adultery or that one of you has behaved in such a way that the other cannot reasonably be expected to live with you. We will be able to

advise you whether the “behaviour” complained of is sufficient. The majority of people are often surprised that it is not necessary to go into too much detail or to exaggerate. Alternatively, if you and your wife agree, one of you could apply for a divorce after you have lived separately for over two years provided the other is prepared to provide their written agreement.

Yes, there certainly is. The paramount consideration is the welfare of the children. It is what is in their best interests, not for your wife in terms of the financial settlement. The arrangements for the children must be resolved before the financial settlement. It would be much better for your family as a whole if you and your wife were able to reach an agreement rather than the Court having to impose a decision upon you. You could try and resolve matters at Family Mediation.

2. My husband and I would like to try and reach an amicable settlement regarding our financial position. However, at present I do not feel confident that I know enough about my husband’s circumstances to reach an informed decision. Are you able to suggest a way forward?

We would be able to refer you to an appropriate service. If you are unable to agree then you could make an application to the Court for a Child Arrangements Order. These Orders are becoming more commonplace given that a lot of fathers like you have more flexible working arrangements and many women now work full time and require more help with childcare. The arrangements do not have to actually be an exact division of time on a 50\50 basis.

Loyal, resilient and trustworthy

Yes. It will be necessary for your husband to provide what is referred to as full and frank disclosure of his income, capital and pension provision and to provide documents in support. Once you are satisfied this has been done then negotiations can begin which will hopefully result in an amicable agreement which can be made binding by the Court by way of a Consent Order. 3. My wife and I have decided there is no future in our marriage. We have two young children whose upbringing I have been actively involved in given that I am quite fortunate to have very flexible working arrangements. I believe it would be good for the children for this to continue but I do not think my wife will agree because this may affect the amount she receives by way of a financial settlement and maintenance. Is there any point perusing shared care?

We believe that experience counts when it comes to matters of family and personal law. Our team of specialist solicitors provide free, 20 minute consultations on the following:

• Employment Law • Personal Injury • Property Law

• Wills, Probate, Trusts & Tax Planning • Family Matters • Litigation/Dispute Resolution

Call us now on 0800 083 0815 to book your free appointment! Bury Head Office 2 Manchester Road, Bury Lancashire, BL9 0DT. T: 0161 764 5266

Little Lever Office 58 Market Street, Little Lever Bolton, BL3 1HN. T: 01204 709959

Open 9AM-5PM

Open 9AM-5PM



The Cherry Tree Bolton's Best Restaurant 2020 NOW OPEN AFTER £900,000 REFURBISHMENT Voted Bolton's best restaurant in 2020 the Cherry Tree is now open after completing a £900,000 refurbishment with a new Garden Room showcasing a floral setting for a sumptuous dining experience. The restaurant has increased its capacity from 100 to 170 but has retained the same prestigious team of chefs and restaurant staff. The Cherry Tree is the first winner of this very prestigious award from the Bolton News in conjunction with the Bolton food and drink festival. Readers voted for their favourite eatery in the Bolton and surrounding areas with the Cherry Tree coming out on top in a landslide victory. The successful restaurant started its life back in August 2010 when Paul & Catherine Taylor along with their son Tom purchased the then named Thatch & Thistle pub located on the main A6 road on the edge of the village of Blackrod The Cherry Tree welcomes many famous TV and sporting celebrities and has a very loyal customer base. This has been achieved through the hard work

and a passion shown by every member of the team, a passion that will always be visible to customers new and old who dine at The Cherry Tree. Tom works very closely with his team of ten chefs and together they create dishes that appeal to every discerning palate. The menu changes regularly allowing the chefs to utilise the freshest of local produce available throughout the seasons. Tom and the kitchen team are very proactive with the menu design and also offer a fabulous selection for vegans and vegetarians. The Cherry Tree boasts a beautiful bar area and lounge where their customers can sample an extensive drinks menu including their famous cocktails which can be enjoyed with views of Rivington and the surrounding countryside. The new Government Social distancing guidelines will be in-force and each member of the staff has completed the ‘Ready to Serve’ safe to trade training, following lockdown administered by the Institute of Hospitality.

A La Carte Menu Available everyday ................ Best of British Special Menu 2 Courses £15.95 | 3 Courses £19.95 Available everyday except Sunday ................ Sunday Lunch Menu 2 Courses .... £21.00 | 3 Courses .... £26.00 ................ Fabulous Afternoon Tea A wonderful selection of savoury bites & sweet treats (vegetarian & kids options available) ................ Enjoy Pizza & Prosecco Afternoons Enjoy 1 FREE GLASS OF PROSECCO with every pizza ordered. Available Mon-Fri 3pm - 5pm T’s & C’s apply | Other drinks available upon request

50 PLUS MAGAZINE READER OFFER Tom and the team would like to offer a complimentary glass of Prosecco to all customers who mention 50 Plus Magazine when making their reservations during the months of September and October.

ughout September Bookings are available online for up to 4 people however for larger parties please contact the restaurant on 01257 481234 The Cherry Tree | Chorley Road | Blackrod | Bolton BL6 5LA


Throughout September

Get 50% OFF* your bill upto ÂŁ5 OFF* per person on food & non-alcoholic drinks, Monday to Wednesday *Not to be used in conjunction with any other offer (including 10% loyalty scheme). Offer valid from 1st - 30th September. Offer is at managers discretion.





SEAFOOD THENGA PAAL SOUP If you want to impress someone with your cooking, this recipe will do it. On a trip to Kochi (Cochin) in Kerala, my wife and I were invited to one of the most amazing meals at Trilogi, in the Crowne Plaza, Kochi.The food was both visually exciting and delicious.This seafood soup was the starter course and I just had to get the recipe! The soup we tried was creamier, which can be achieved by adding a couple of tablespoons of single cream or full fat coconut milk, but I find this lowcalorie version equally delicious. Serves 2 PREP TIME: 15 MINS COOKING TIME: 45 MINS 500g (1lb 2oz) fish bones from non-oily fish such as bream, bass or halibut 3 garlic cloves, thinly sliced 2.5cm (1-inch) piece of ginger, peeled and julienned 1 medium onion, sliced 10 fresh or frozen curry leaves 1 tomato, sliced 2 tbsp rapeseed (canola) oil or coconut oil 150g (51⁄2oz) minced seafood (choose a good selection of meaty fish, such as prawns, cod and halibut) 1 tsp asafoetida* 1⁄2 tsp ground turmeric 10g (1⁄4oz) tender fresh coconut, cut into small cubes (optional) 80ml (1⁄3 cup) light coconut milk Salt, to taste Juice of 1⁄2 lemon 11⁄2 tbsp tamarind paste or concentrate (more or less, to taste) 1 tsp freshly ground black pepper 2 tbsp finely chopped coriander (cilantro)

Place the fish bones in a large saucepan and add the garlic, ginger, onion, curry leaves and tomato. Cover with 2 litres (8 cups) of water and bring to a boil. Reduce the heat and simmer for 30–40 minutes until the water has reduced to about 1/2 litre (2 cups). Strain the fish stock through a fine-mesh sieve and set aside. In a separate saucepan, heat the oil over a medium–high heat and stir in the seafood. Add the asafoetida and turmeric and give it all a good stir to combine, then add the reduced fish stock. Bring back to the boil, then add the coconut (if using). Reduce the heat so that the soup is just simmering, then stir in the coconut milk. Season withsalt and add the lemon juice. Stir in tamarind paste or concentrate and black pepper. To serve, pour into two warmed bowls and sprinkle with the coriander. 52

SRI LANKAN BLACK PEPPER CHICKEN CURRY One of my favourite curries to this day is the black pepper chicken curry I enjoyed at the restaurant Nuga Gama at The Cinnamon Grand Hotel in Columbo, Sri Lanka.What a place! This is my interpretation of that curry. I believe their version was made with the back bones of chicken and wings that were cut into small pieces. I loved picking up these small bones and gnawing at the meat. It took some work to eat, but it was worth it. All the curries at Nuga Gama were cooked and presented in clay pots. I was determined to do that same. It’s not easy carrying a big clay pot back in your hand luggage, but as you can see, I got it back! Heat the oil in a large wok or frying pan over a medium–high heat until bubbling hot. Add the mustard seeds and when they begin to crackle (after about 30 seconds), reduce the heat to medium and stir in the cinnamon, cumin seeds, cloves, bay leaves and curry leaves. Add the chopped onions and fry for 6–7 minutes until they begin to turn a light brown colour, then add the green chillies, black pepper and the other ground spices. Spoon in the garlic and ginger paste and soy sauce and stir to combine. Add the chicken pieces and brown them for about 5 minutes. Add the green peppers, tomatoes and sliced onion and cover the pan. Cook for 5–10 minutes: the chicken and vegetables will release their moisture (a pinch of salt will help with the process). Pour in the coconut milk and simmer until you are happy with the consistency: this dish can be served either with a lot of sauce or it can be reduced down. Season with salt and perhaps a little more black pepper.

Serves 4-6 PREP TIME: 15 MINS COOKING TIME: 30 MINS 2 tbsp rapeseed (canola) oil 1 tsp black mustard seeds 1 cinnamon stick 1 tsp cumin seeds 3 cloves 2 bay leaves About 20 fresh or frozen curry leaves 2 onions, finely chopped 3 green chillies (whichever type you prefer) 1–2 tbsp finely ground black pepper (to taste) 5 green cardamom pods, smashed 1 tsp ground turmeric 1 tsp ground cumin 1 tsp ground coriander 1 tsp Kashmiri chilli powder 2 tbsp garlic and ginger paste 1 tbsp soy sauce (this usually contains gluten) or tamari gluten-free soy sauce 1kg (2lb 4oz) chicken thighs, cut into bite-sized pieces 2 sweet green (bell) peppers, sliced 20 cherry tomatoes, quartered 1 onion, thinly sliced 400ml (scant 13⁄4 cups) low-fat coconut milk Salt, to taste


working to live and give Opening Times: Monday-Friday 8.30am - 5pm Saturday 10am - 4pm


RED LENTIL & TOMATO DHAL One good thing about this Goan recipe dhal is that it cooks really quickly – a lot faster than other dhals – and still tastes fantastic.This makes a lovely side dish but can also be a delicious and light main meal on its own. Serves up to 8 PREP TIME: 10 MINS, PLUS SOAKING TIME. COOKING TIME: 25 MINS 2 tbsp rapeseed (canola) oil or coconut oil 1 tsp black mustard seeds 1⁄2 tsp cumin seeds 7 fresh or frozen curry leaves 2 medium onions, finely chopped 2 medium tomatoes, diced 2–3 green bird’s eye chillies, sliced down the middle 2 tbsp garlic and ginger paste 1 tsp ground turmeric 1 tsp Kashmiri chilli powder (more or less, to taste) 3 tbsp tomato purée 300g (11⁄2 cups) dried red split lentils (masoor dhal), rinsed and soaked for 30 minutes in fresh water 1.2 litres (5 cups) water Salt, to taste 2 tbsp finely chopped coriander (cilantro)



Heat the oil in a large saucepan over a high heat. When visibly hot, stir in the mustard seeds. When they begin to pop (after about 30 seconds), reduce the temperature to medium–high and add the cumin seeds and curry leaves. Temper for 30 seconds, or until fragrant, then add the onions and fry for about 5 minutes, until soft and translucent. Add the tomatoes, green chillies, garlic and ginger paste, ground turmeric, Kashmiri chilli powder and tomato purée and give it all a good stir to combine. Tip in the lentils and cover with the water. Bring to a simmer and cook for 15–20 minutes, or until the lentils are soft and you are happy with the consistency. Season with salt and garnish with the coriander to serve. Extracted from The Curry Guy Light by Dan Toombs (Quadrille, £15) Photography © Kris Kirkahm

Welcome Back to Curley’s Dining Rooms Recently refurbished, Curley’s Dining Room is an award winning fish & chips restaurant (gluten free batter available) with a picturesque outdoor seating area featuring views across the lake. The menu features traditional home cooked food prepared daily on the premises. Our renowned breakfast is served 9am-4pm and our classic lunchtime menu is served all day.

Free Room Hire The Ivy Room Function Suite It’s the perfect place to host your family get together or any other upcoming event you may have *Our stunning function suite can accommodate up to 36 guests. It has fantastic panoramic views, it’s own private bar and buffet menu or food can be pre-ordered off our regular menu. *T & C apply over 20 people minimum. *Subject to covid guidelines*

A selection of wines, draft beers, cakes and hot beverages are also available.

Ice Cream

Our ice cream parlour sells a delicious range of ice cream including dairy, gluten free and fat free flavours.

Our ice cream parlour sells a delicious range of Frederick’s luxury local ice cream flavours including gluten, dairy and fat free flavours. With toppings and sauces to suit everyone’s individual taste. We even sell a dog friendly ice cream too!

Dog Friend ly We have a separate dog friendly room and even sell ice cream just for dogs.

Wallsuches, Horwich, Bolton, BL6 6PP w: t: 01204 691783

Opening times: 7 days 9am - 7pm (last food orders 7pm)

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HOW TO COPE WITH ISOLATION Around the world, people are facing a once in a lifetime period full of anxiety and uncertainty that also requires us to isolate ourselves from each other. We all know that we are naturally social and are not meant to live in isolation and that feeling lonely or trapped can contribute to poor mental and physical health but being physically isolated doesn’t have to mean being totally socially excluded. Loneliness is a horrible and debilitating feeling but with the right frame of mind and a lot of creativity, solitude can both be avoided in part or used as an opportunity. Have a positive mindset – Research shows that positivity is also contagious so approach your home isolation period with as much zeal and positivity as possible, and your family members, especially children, will catch on to the positive vibes. Research also shows that outcomes are better for positive people. Set up a home school for


your children and have some routine, but also make it fun! Be mindful. Start with a smile and hugging yourself each morning. No one else can hug you right now so you might as well go ahead and give yourself that much needed cuddle! Look for apps that inspire calm and clear mindedness such as Calm, Buddify and Headspace. Print out positive affirmations that you can say to yourself and have visualisations by your bed of what you will be able to do once this period of instability is over. Picture yourself with friends, at a family gathering or anything that makes you happy, or a place of calm. Make this an opportunity to get projects done – Use this time as an opportunity to get some organising and sorting out done in your home whether that is painting the bedrooms, cleaning

the kitchen cupboards, putting up shelves or gardening. It is also good for bone strengthening and stress release. When a task is finished, the brain releases the feelgood neurotransmitter dopamine, leaving you feeling happy and fulfilled. Make a list and feel satisfied as you tick items off. Combat anxiety and stress with exercise. Find ways to be physically active – walk up and down the stairs as much as possible, look for your workout DVDs or enjoy exercise outside in the garden. Prolonged periods of raised stress hormones like adrenalin and cortisol have a negative impact on nearly every part of our body. Side effects include increased blood pressure, muscle tension, insomnia, headaches and depression. There are plenty of apps or online videos to guide you through a yoga or Pilates class which will help you to relax and release some feel-good hormones.

Worried about feeling lonely? – If you are home alone, try listening to the radio or podcasts and organise a time to phone or WhatsApp / Skype friends and loved ones. When we spend time with other people we get on well with, feel-good hormones are released and reward neural activity in the brain is activated, even if they are not in the same room. Since you may find you have a bit more time in the coming weeks, try the ‘old fashioned’ way and actually pick up the phone and give someone a ring for a feel good moment to lift spirits. Support vulnerable and elderly people Post a note through their door with your contact details should they need help with something like shopping. Set up the less techsavvy members of the family with video calling so you keep in touch and help them with online deliveries. Research shows that helping others activates parts of our brain associated with wellbeing and at the same time, stress responses are lowered. Again, call the elderly or vulnerable for a chat.

and depression as well as reduce our physical health. Be mindful of keeping to a good schedule, limit screen time before bed and enjoy a relaxing night-time routine. Start a new hobby – How many of us say we would love to start a new hobby, learn a language or read a great literature epic which we don’t normally have time to do? Apps and online resources are a great way to learn the basics of a new language. Studies show that reading improves our memory, language skills and reduces stress and depression. Is there a hobby you can do from home, like painting, trying new recipes or even just doing a puzzle? Cherish some family time – As well as protecting our loved ones from serious illness, self-isolation means spending loads of quality time together with the people you live with. Make a plan for each day so you don’t lounge on the sofa too much. Be creative and come

up with fun activities that you are normally too busy for like board games, baking together, making a beauty salon and painting nails or a den to hang out in, start an ambitious art project together or watch some classic family films together with a bag of popcorn or even enjoy a nice lie-in. TIPS ON INCREASING RESILIENT POST LOCKDOWN Change is inevitable but huge global changes like we are facing today can overtake all of our resilience reserves. However if we can build our resilience to face new challenges, ultimately we can grow, we increase our empathy and compassion, find purpose, reconnect, reduce burnout, and ultimately improve our physical and mental health. Try making resilience one of your five a day!

Make sure you go outside each day Spend at least twenty minutes in your garden if you are lucky enough to have one, ideally in the morning to help maintain your circadian rhythm and to get a dose of vitamin D. If you are in an apartment, open the windows and get some fresh air coming in. If you have big open spaces around your house, go for an invigorating walk. Prioritise good quality sleep – home isolation may mean we step out of our usual routine, disrupting our sleeping schedule. Stress is the most common cause of sleep loss in the UK. Lack of sleep can cause anxiety





and try to take a few moments each day to appreciate how fortunate you are, perhaps in having good health, or a secure job, or friends and family who check in on you. By practicing gratitude and asking for less, we can build our sense of self-worth and better our physical well-being and reduce our levels of stress. Be more humble… by understanding that this year in particular has hit some of us harder than others. Even though our experiences are different, it really is important that we deeply consider the feelings and wellbeing of friends, colleagues, neighbours and family whenever possible. Who can you help?

Build resilience by...Having a plan. Plan for just today or perhaps the week ahead. Address important issues so they are dealt with. Careful time management and organisation are key and makes your capacity to recover from difficulties quicker. Work out your new normal. Routines help most of us feel in control whether we are a child or an adult but be sure to throw in a lot of time for fun and laughter. Build resilience by...Adopting positive thinking. Accept that we don’t know how long the challenges we face are going to be for but know that this difficult period will end. Whilst we should all be allowed to feel how we feel, it is shown that those who face adversity with a positive mindset, deal with stress and problems better and have a better health outcome long term. Talk to other people with a positive mindset rather than those who drain you. Stay social and focus on what brings you enjoyment and fun. Build resilience by...Playing to your strengths. What can you do right now that you are really good at? Boost your and your family member’s confidence and self-esteem by playing to your strengths. Are you a fantastic leader, baker, runner, organiser, teacher or gardener? Build resilience by...Leading a healthy lifestyle including regular physical exercise, a good sleeping pattern, low stress and a healthy diet. For example, a lack of quality sleep can 58

weaken our emotional mental well-being and therefore our resilience. Exercise on the other hand helps to alleviate stress by reducing cortisol and norepinephrine whilst releasing feel good endorphins, dopamine and serotonin that may offset feelings of anxiety and negative self-talk. Build resilience by...Taking your time. One positive effect of lockdown is it forced many of us to slow down so try to keep elements of this new pace of life to have a good work/ life balance. Focus on the key priorities because everything does not need to be done at once. Avoid rushing big decisions, instead prioritise the issues which need to be acted upon first. Perhaps get up more slowly in the morning, have a longer down time before going to bed, make weekends a time of quality time with friends and family and establish device free time. THE IMPORTANCE OF BEING HUMBLE POST LOCKDOWN More now than ever, when people around us are struggling with health worries, unemployment and a host of other losses, anxieties, or difficulties, it is an important time to try and be more humble and to think of one another. Make being humble one of your five a day. Be more humble…by focusing less on what you don’t have like the latest trainers or the summer holiday that you wanted to take

Be more humble… by valuing and listening to others. We should spend time talking to loved ones, friends, colleague and our children, asking them questions, listening to how they are feeling and giving them an opportunity to express themselves. Giving your time can the greatest gift of all. Be more humble…by checking yourself when you feel the need to self-promote. Rather than showing off what you have, a humble person is more likely to share what they have and consider other people’s feelings if they are unable to have the same good fortune. Perhaps consider how posting on social media about how you are having the absolutely best time might make others struggling only feel worse. Be more humble… by admitting you don’t have all the answers and don’t be afraid to ask for help. There is no shame in reaching out and learning from, and being helped by, others. All we have to do then is reciprocate.




More Over 65s are Getting Married, but May Have More to Lose if They Divorce “High net worth divorces can be complex, but the starting point is always a 50/50 split. From there, the matrimonial assets – and any debts that can be attributed back to the marriage – have to be declared, assessed and valued. All the circumstances of the marriage, including the parties’ ages, the length of the marriage, the income capacities of the parties, any health issues, for example, are considered before a division of the matrimonial assets is achieved. There are a number of ways assets can be divided and a good solicitor will outline these clearly and transparently.” If this applies to you, or you’d like some advice on your particular circumstances, call Russell & Russell on 0800 103 2600. Although more people over the age of 65 are tying the knot, the divorce rate in this age group is also rising. Figures released by the Office of National Statistics show that between 2004 and 2014, the number of brides and grooms aged 65 and over went up by 46% in England and Wales. Donna Leigh, family law solicitor who specialises in divorce.

Similarly, the number of divorces for couples aged 65 and over also shot up. In the decade 2005 – 2015, 23% of men got divorced, while 38% of women in this age group decided to call it a day. Reasons for ‘silver splitters’ are numerous, but the general view is that it’s due to the post-war baby boom and people living longer. In 2017, an average 65-year-old man could expect to live for a further 19 years – two years longer than that of a man the same age in 2004. For women, the gap has also widened from 20 years in 2004 to almost 22 years in 2017. As people live longer, people are more unwilling than ever to remain in an unhappy marriage. The stigma traditionally associated with divorce doesn’t exist in today’s society in the way it did in the past and as more people are working beyond retirement, the idea of being self sufficient outside marriage is more conceivable. Whatever the reason, divorce at any age is difficult. But, for older couples who tend to have more assets and bigger pension pots, it can be much more problematic. Donna Leigh, a solicitor who specialises in divorce at Russell & Russell, says: “Many older people don’t realise how much wealth they’ve built up over a lifetime. Whether they’ve had a modest income or have been a high earner, the compound effect of savings, pensions, any shares or ownership of other assets, and the fact that house prices have risen 23% in a decade, means that their personal worth can be far greater than they anticipated.” 59

We’ll get you smiling ... Many denture wearers suffer with poor fitting, worn out or artificial (false) looking dentures that cause the wearer to feel a lack of confidence in their dentures. This can present itself when chewing or even by just worrying about the denture dropping during a conversation. All these are issues that Bolton Denture Centre specialise in correcting.

Bolton Denture Centre houses the only qualified CDT in Bolton, solely focusing on provide the highest quality dentures. WHAT IS A CLINICAL DENTAL TECHNICIAN? A Clinical Dental Technician (CDT) is a qualified dental technician that has under gone further Education and Training in areas such as Medical Emergencies Cross Infection Control and Oral Pathology (cancers and anomalies) to name just a few sections that make up the Diploma in Clinical Dental Technology as Awarded by the Royal Collage of Surgeons (RCS). It is this qualification that allows the clinicians at Bolton Denture Centre to be able to be registered and regulated with the General Dental Council (the official body for protecting the public with regards to 60

dentistry) and carry indemnity insurance. It is this qualification, which means that only Dentists and Clinical Dental Technicians are the only Dental Professionals permitted to supply dentures direct to the public. A dental technician is not qualified to supply a denture directly to the public. However, despite this being an act of Mal practice many technicians will still practice illegally without informing the patient that they are not qualified. If you are unsure if your denture provider is qualified; ask them for their GDC registration number, then contact the GDC to see if they are registered not just as a dental technician but as a CDT. Over recent years there have been many improvements in both the way we construct dentures and in the materials and denture teeth that we use. This means


that the end result looks more natural than ever before. Why not call for a FREE Consultation to find out more about these new innovations in denture design and manufacture? DENTURES NEED REGULAR SERVICING Dentures are in constant use almost 24 hours a day, 365 days a year. They are also in a pretty hostile environment in the mouth, being attacked by strong acid, bacteria, hot, cold and spicy food. Denture material absorbs liquids and food odour. Daily cleaning is essential as well as professional ultrasonic cleaning in a dental laboratory at least once a year. Due to constant bone resorbtion dentures will become loose sooner or later. Loose dentures will increase damage to the gums and bone structure, and increase the risk of breakage. Have them re-lined as soon as possible to get a good fit. It only takes a day or two. Have your dentures inspected by a Clinical Dental Technician at least every two years, or more frequently if necessary. YOUR DENTURES NEED ATTENTION 1. When they become loose. 2. When teeth or denture base discolours. 3. When tooth surfaces become flat. 4. When denture base does not fit around natural teeth (in partial dentures). 5. When you develop deep lines around your mouth. 6. When your chin sticks out, and the corners of your lips are constantly wet, developing sores. 7. When you stop smiling and feel embarrassed. MY DENTURES HAVE BECOME LOOSE! This is easily remedied by a procedure know as Re-lining. A new layer of Denture base is added to your existing Denture, improving the fit and restoring confidence.

Call for FREE your consultion

01204 382244



DENTURES ON IMPLANTS This type of Denture is constructed in conjunction with the Dental Implant Surgeon. This is a very good procedure when the patient has limited control and retention of their Dentures. The finished Dentures ‘click’ into position offering the ultimate in Denture Retention. SHOULD I HAVE A SPARE SET OF DENTURES MADE? Yes, it is very important to have a spare set of dentures for emergencies in case of breakage. CONSTRUCTING A GOOD SET OF DENTURES Constructing a functional and aesthetically pleasing set of dentures is the most difficult task in dentistry. We are not only replacing lost teeth, but also lost tissue matter and bone. In other words, we have to re-create your facial features as they were before the loss of your natural teeth. In most cases we do not know what your teeth looked like, what size they were or what position they were in originally. We have a few indications but mostly we have to rely on our visual and artistic judgement. At the same time we have to use our technical expertise in order to make the denture stable and functional. Denture construction is more art than science. Bolton Denture Centre can offer all aspects of denture care including; Free Consultations l Denture cleaning and polishing service l Repair of broken or cracked dentures l Relining existing dentures to improve fit l New full dentures l New partial dentures (following treatment plan from dentist) * l Sports mouth guards *Dentist treatment plan can be arranged. l

What our Customers Say Thank you so much for the care you gave to me and now I can smile again with the lovely teeth you made for me. PD What a difference you have made for me. I can smile again. No problems. Thank you so much. VH Thank you so much for my new dentures, they fit really well and I am very pleased with their appearance. I have had them for two months and not had any problems, just small niggles that have soon resolved without having to pay you a visit. Thank you for your time and trouble to ensure a perfect fit. I don’t need to use fixative and your recommended cleaning routine is working a treat. Your sincerely AW (Mrs) Just a few words to thank you for the work you have done. Everyone has been saying how well I look lately not knowing why. You have given me my smile back and I thank you so very much, you have made me so happy. C Thank you for putting a smile on my face again. S Bolton Denture Centre, 44 Higher Bridge Street, Bolton BL1 2HA.





Ltd who have continued to play a massive role in supporting all our vulnerable


HELPING YOU STAY IN THE COMFORT OF YOUR OWN HOME The past months or so have seen a dramatic change to everyone’s lives. The country has been put into lockdown; pubs, shops and restaurants are shut, sporting and mass events cancelled and we’re all staying at home. The government advising the public to “Keep our distance, wash our hands, think of others and play our part. All together.”

All of these measures have been put in place to aid with containing the spread of the coronavrius (COVID-19); and to help reduce the strain on our National Health Service (NHS). Sher Khan, managing director of Care Connect Bury Ltd, said: “I am hugely grateful to everyone at Care Connect Bury

service users to remain safely at home during these unprecedented times. I am also grateful for the support Bury Council have provided with additional financial support and sign posting to access PPE for staff ” “There has never been a better time to recognise the key workers, carers and volunteers in our communities so I’d urge everyone to say a ‘Big Thank You’ to them.” “And so, with all this in mind, we want to make sure that every single person who is going above and beyond during these extraordinary times knows how much we appreciate and value their work. I would like to say on behalf of Care Connect Bury Ltd a great big THANK YOU to all NHS staff, care workers and key workers; you’re doing an amazing job!”

Stay alert. Control the virus. Save lives PROFESSIONAL HOME CARE SERVICES

Care in your home If you live in Bury, Radcliffe, Whitefield, Prestwich, Tottington and Ramsbottom .... We can provide you support in your home with: • Your daily routine, helping you get up and having a wash, to getting dressed and ready • Help with taking medication and medication collection from the pharmacy • House work tasks including laundry and cleaning • Help with your shopping, pension collection and any other task you may require • Support with activities such as gardening, visiting people, going for a walk and pet walking • Awake Night Care

0161 763 4228 WE HAVE JOB VACANCIES FOR CARE STAFF IN BURY Contact us now for a no obligation chat on:

full training provided

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Unit 7, Brenton Business Complex, Bond St, Bury, BL9 7BE T: 0161 763 4228



Don’t forget breast screening because we haven’t forgotten you! Saves lives through detecting cancer early The National Breast Screening Programme invites all women Location betweenDon’t 50-70 years old everybreast three yearsscreening for breast forget because we haven’t forgotten you! screening. Each GP Practice is screened in turn and all If you have previously attended a breast screening women registered with a GP receive an invitation. appointment, it is important to note that the location may be different this time which we can understand may not be for you. However, the change in location is to 3convenient in 10 women don’t attend their ensure we can follow the social distancing and safety FREE Breast Screening Invitation guidelines as best as possible. The National Breast Screening Programme invites all women between 50-70 years old every three years for breast screening. Each GP Practice is screened in turn and all women registered with a GP receive an invitation.

Breast Cancer

Breast Cancer

1 in 8 women withbreast breast 1 in 8 womenininthe theUK UKwill will be be diagnosed diagnosed with cancer at some point during their lives. Breast canceris is cancer at some point during their lives. Breast cancer now the most common cause of cancer in women this now the most common cause of cancer in women ininthis country, new cases cases being beingdiagnosed diagnosedevery every country,with withover over 45,000 45,000 new year. year. What is breast screening?

What is breast screening?

Breast screening (or mammography) is an X-ray of the Breast screening (orallows mammography) is an the breast. The X-ray doctors to see anyX-ray earlyof changes breast. X-rayMost allows doctors to seemay anynot early in yourThe breast. of these changes be changes because in your breast. but Most of these changes may not be because of of cancer, when it is cancer, the early detection will often but mean that treatment is less intense and the chance of cancer, when it is cancer, the early detection will often making full recovery higher. mean thatatreatment is is less intense and the chance of

making a full recovery is higher. Covid-19

Covid-19 has affected many services, including NHS Services across the country in one way or another. The Covid-19 Bolton, Bury & Rochdale Breast Screening Service is no exception. Covid-19 hasRoutine affectedbreast manyscreening services,appointments including NHShave now restarted and women are starting a letter Services across the country in one wayto orreceive another. The informing them that their breast screening appointment is East Lancashire Breast Screening Service is no exception. now due.

pleaseany contact the department on 01204 390454 or E-mail: If you have concerns about your appointment We are more than happy to help. We also have a Facebook pageyour which you can follow at:appointIf you receive an invite to attend breast screening @BBRbreastscreening.

ment but have concerns or want further information, please contact the department on 01282 805301 or E-mail: When to contact your GP We are more than happy to help We encourage you to regularly check your breasts for any changes and contact your GP if you have any concerns.

When to contact your GP

It’s as simple as TLC...

Meanwhile, we recommend you continue checking your breasts TOUCH and your breasts. for any changes contact yourCan GP ifyou you feel haveanything any concerns. unusual? for It’s asLOOK simple aschanges. TLC... Is there any change in

shape or texture?

CHECK unusual TOUCH your anything breasts. Can with youyour feeldoctor anything unusual? Look out for a lump or thickening in the breast, a change in the nipple, a rash that makes the nipple look red and scaly, blood or another fluid coming from the nipple, a change in how the breast feels or looks such as feeling heavy, warm or uneven, or the skin may look dimpled, the size and shape of the breast may change, there may be a pain or discomfort in the breast or armpit or a swelling or lump in the armpit.

LOOK for changes. Is there any change in shape or texture? CHECK anything unusual with your doctor

Routine breast screening appointments were cancelled but we used this opportunity to re-design our service to make Attending your breast screening appointment sure it is safe for you and our staff when it restarts.

There are some changes when you attend your appointment now. If you are invited for breast screening, Attending breast screening additionalyour information will be sentappointment to you. Please read this carefully because the information will include Now that plans place to resume the Eastyou Lancashire measures you are will in need to follow to help keep and the Breast Screening Service, there will be changes when you Radiographer safe during your appointment.

attend your appointment due to Covid-19. If you are invited forhave breast screening, information will be If you any concernsadditional about your appointment sent to you. Please read this carefully because the If you receive an invite to attend your breast screening information willbut include measuresoryou will needinformation, to follow to appointment have concerns want further help keep you and the Radiographer safe during your appointment.


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Profile for 50 Plus Magazine

Bolton & Bury issue 67  

Local magazine for the over 50s.

Bolton & Bury issue 67  

Local magazine for the over 50s.


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