MiMagazineDECJAN

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• Secrets of calculating a wealthy retirement • Servicing your electric car • Everyday life in Edwardian Harpenden • Stamp of approval for Whipsnade white lion • MiMagazine chats with... John Hagen

• Local firm honoured with Community Business of the Year Award • PUZZLES • WHAT’S ON • DIRECTORY OF SERVICES

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Restoration of zoo’s iconic white lion In 1926, the conservation charity ZSL purchased a derelict farm on the Dunstable Downs for 12s 10d (£13,480 in today’s money) and building work began immediately on a new zoo. Animals began arriving at Whipsnade Zoo in 1928, with llama, wombats and skunks among the first to arrive.

When Whipsnade Zoo opened on May 23, 1931, it was an immediate success and welcomed tens of thousands of excited visitors in its opening week.

Designed by R.B. Brook­Greaves, the zoo’s distinctive, chalk, hill figure of a white lion, which measures an incredible 147m from nose to tail, can be seen for miles across the Downs. It was intended not just as an advert for the zoo, but also as a warning to low­flying pilots to keep away and not frighten the animals.

The nearby Ivinghoe Beacon – now a National Trust site – was used by the construction team as a vantage point to regularly check the accuracy of the outline. Construction took 18 months and was completed in Easter 1933.

During the Second World War, the Whipsnade white lion had to be camouflaged with green paint, turf and netting to prevent it from being used by enemy aircraft as a navigation point. The zoo also acted as a refuge for animals evacuated from

London Zoo during the war years.

In May 1981, as part of Whipsnade Zoo’s 50th anniversary celebrations, the lion was illuminated using 750 lightbulbs.

Two years ago, the zoo launched an appeal for volunteers to help restore the famous landmark ahead of next year’s 200th anniversary of the ZSL. People from all walks of life came forward to help with the momentous task of ‘stamping down’ tonnes of freshly laid chalk. Turn to page 10 to see how they got the ‘stamp of approval’ from Whipsnade Zoo with the final step of the famous landmark’s restoration now complete.

And finally, the team at MiMagazine would like to wish all our readers and advertisers a Merry Christmas and a very Happy New Year.

Paul Jacques Editor paul­jacques@ntlworld.com 07939 005218

The unusually mild weather saw hundreds of people turn out for the annual Act of Remembrance at the Redbourn War Memorial on the Common. As usual, there was a parade across the Common followed by a service and the laying of wreaths.

And for the story of “remarkable Caddington resident” Joyce Salvietto, who served in the Auxiliary Territorial Service, turn to page 30.

For editorial and advertising call 07939 005218

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Station Road after development

Statty Fair – Church Green

The Silver Cup and pond

Everyday life in Edwardian Harpenden

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Sheep and children in the Dells

High Street West, The George

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ALL PICTURES COURTESY OF HARPENDEN & DISTRICT LOCAL HISTORY SOCIETY

he Edwardian era is remembered Casey Archive. Together they provide a as both glamorous and gilded, with picture of what living in Harpenden was the wealthy elite enjoying country like in those halcyon days before World houses, grand dinners and a lifestyle War One. centred on privilege. But it was also a The contributors remember such things time when modern social and political as the Statty Fair on Church Green, the change was brewing under the surface, burning down of St John’s Church, the with increasing awareness of poverty, shops in Harpenden, horses and carts poor housing and workers’ rights, and but no cars, and early school life. women beginning to push more Trustee David Kendall commented: Robert Hogg, a strongly for the right to vote. master tailor who “The exhibition shows that in some Running until the end of January 2026, commuted to the ways things have not changed: potholes West End, with his in the roads, long working days. On the a special exhibition at the Harpenden wife Kathleen, a Museum in the Eric Morecambe Centre, other hand, children spent their days Quaker. They were Rothamsted Park, captures the spirit of outside, playing in the street, roaming in pacifists, comfortably everyday life in Edwardian Harpenden, off middle class and the countryside, or skating on including a fascinating collection of Harpenden’s ponds. Outside lavatories attended the street views.

Methodist Church. and no central heating made life a lot The Edwardian period in Britain refers less comfortable than nowadays!” to the reign of King Edward VII, which lasted from There will also be an ever popular display of January 22, 1901, to May 6, 1910. In a broader ‘Then and Now’ photos showing how Harpenden cultural sense, though, people often stretch the has changed over the past 125 years.

‘Edwardian era’ to cover the years up to the For an absorbing life story and a treasure trove outbreak of World War One in 1914, since many of detail about Harpenden and its people, of its fashions, social attitudes and architectural together with reflections on national and styles continued after King Edward’s death. international events, see Theodora’s Journals In 1979, Harpenden’s History Society ran a written by Harpenden resident Theodora Wilson, competition for recollections of life in Harpenden covering the period from 1885 to 1937, reprinted before 1914. It attracted 15 contributions with in 2025. Copies may be purchased from the the age of entrants ranging up to 100 years old. museum, when open.

The Society’s exhibition draws on those Visit https://www.harpenden‐history.org.uk/ to memories as well as others from the Society’s Les check opening times.

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Why do we need a Property Protection Trust?

M

ost people hope that their estate will pass on to their loved ones eventually. But this will not happen for many unless careful arrangements have been made to protect their assets from being taken towards the end of their life to pay for care home fees.

The solution to help protect your estate is a Will incorporating a Property Protection Trust (PPT). A testamentary PPT can only be executed whilst both partners remain alive. Upon death of the first partner, their Will specifies that their share of the property is placed into trust and names the ultimate beneficiary of this share, normally the children of the deceased. The surviving partner, under the terms of the Trust, has the unequivocal right to remain living in the property for the rest of their life. On the death of the second partner the Trust comes to an end and the property passes to the beneficiaries.

As the surviving partner does not own the deceased’s share of the property it is fully protected for the beneficiaries, so if the surviving partner requires care, or even remarries, this share of the children's inheritance is protected.

This last point can be of particular interest to couples who have come together but have children from different partners. A PPT can help each person in a relationship ensure that their children inherit their share of the property, while giving their surviving partner the ability to live in the property for the rest of their life. If the surviving partner wants to move to another property they can still sell the property and the proceeds be used to purchase a new property; the terms of the trust remain over the new property.

Westminster Law will assess your current circumstances and arrange the trust that will provide the best protection for you, your family and your assets.

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MiMagazine chats with... John Hagen John Hagen lives in Kensworth with his wife, Lorna, and he’s the chair of the Kensworth Village Hall Management Committee. He retired from his day job four years ago and says he’s never been busier.

What does your work involve? I’ve always been a jack­of­all­trades, moving between mainframe and micro­computers, IT analyst training, photography training, quality and satisfaction management, and a variety of IT projects. But since the mid­1980s I’ve always had one constant: photography. I’ve worked as a photographer full­time or as a part­time business, and now I’m also the resident photographer for the Village Hall. The common thread throughout my working life is people.

What gives you the most satisfaction from your work? Feedback genuinely motivates and thrills me. Whether it’s a corporate client telling me how much improvement they’ve seen in their trainees or a bride’s face lighting up when she opens her wedding book – those moments stay with you. And the giggles over the cheeky out­takes, often involving a parent with a face full of cake, are priceless. These days, I’m proud to chair the Village Hall management team. My health limits how much physical work I can do, but our small team ensures Kensworth Village Hall is almost always fully booked and running smoothly.

What was your first job? A junior computer operator at Cross Paperware in Dunstable, before moving to a senior role at Whitbread’s data centre in Luton. Along the way I began teaching photography to colleagues. So I developed and presented a series of modular photography workshops. In the 1990s over 1,000 students attended these events. I also ran workshops for Dunstable Town Council and led photo weekends to the Lake District.

People were always at the heart of it – and that naturally evolved into wedding and social photography. I’d guess I’ve photographed over 300 weddings and special events. I’ve also enjoyed humour all my life. It kept me safe from bullies at school, but as an adult it led to moments like running around Whitbread House in a gorilla outfit to collect money for charity. Or falling out of a boat into a lake and being ‘rescued’ by a huge Newfoundland dog during a Hearing Dogs fundraising event…

Any hobbies or pastimes? In the 1960s I was a founder­member of Bedfordshire Youth Orchestra and Concert Band. I’m still in touch with several of my old musical friends and some still play, but my trumpet­playing lips are now frayed beyond belief. I still love music, including early church music and modern jazz.

I also love reading – but not usually novels.

Give me encyclopaedias, manuals, how­to books, anything full of facts. I do enjoy classic science fiction though. For the last 25 years I’ve collected unwanted or broken computers, refurbished them and donated them free to local families and groups who would otherwise struggle to afford one. Unfortunately our house is now filled with “useful one day” computer bits. Lorna has threatened to make me sleep in the shed unless someone offers me a free skip for a weekend! A very important part of our lives is supporting Hearing Dogs for Deaf People. Lorna is deaf, and her hearing dog, Belle, has transformed her confidence. Belle alerts her to the doorbell, cooker timer, phone and smoke alarm – and goes everywhere with her, including hospital visits. For some reason Belle hates needles, and when Lorna has her blood taken Belle jumps onto her lap for comfort. It always makes the nurses laugh.

A book you enjoyed or found inspiring? At age ten I adored the 1964 Guinness Book of Records, reading it cover to cover. As an adult, a life­changing book for me was ‘I’m OK – You’re OK’ by Thomas Harris. It helped me

Do you know a local personality who would like to be featured in MiMagazine Email paul‐jacques@ntlworld.com For editorial and advertising call 07939 005218

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9 understand what makes people tick and to become more intuitive rather than literal. It changed how I interact with others.

A film or TV show you most enjoyed? On Boxing Day 1975 I took my younger brother to the first UK screening of ‘Jaws’. It was the only time I’ve literally jumped out of my seat – along with the entire cinema – at the famous ‘head in the boat’ scene. I’ve also enjoyed ‘Juggernaut’ with Richard Harris, and I’m a sucker for action films, especially Star Wars and James Bond. Nothing too deep.

Favourite drink? I love a good red wine, or a smoky single malt whisky, especially Laphroaig.

A pint of London Pride, Pedigree or Abbott will always make me smile too. I haven’t been drunk since my 34th birthday. The next morning when I crawled into the office at 11am everyone gave me a standing ovation, and my boss drove me home again out of pity.

That was enough for me!

Favourite meal? I love food but have a simple palate. Once, in a tiny three­table restaurant in Masham, we all ordered steak.

The chef burst out of the kitchen waving a huge knife and shouted, “Who wants theirs well done?” My wife and brother immediately pointed at me. When I said I didn’t like it “runny”, he bellowed, “It won’t be runny! It WON’T be runny!” The whole place was in stitches — and it was the best steak I’ve ever had.

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Best holiday or weekend break? I’ve enjoyed many parts of Europe. I loved school exchanges between Dunstable and Brive­la­Gaillarde in France. Bled in Slovenia is breathtaking and Brussels is rich in culture. But my heart belongs to the Lake District. The beer is good, the people are warm, and the scenery is unforgettable.

If you could invite any four people to a dinner party, who would they be? My late brother Richard for his deep, dry humour; My brother Peter for his stories from life as a West End musical director; Jayne Torvill – a genuinely lovely, down­to­earth person unspoilt by fame; And my wife Lorna, who is shy by nature but who absolutely shines in good company. If she can’t be there, neither will I. Like I said — life’s all about people.

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PICTURES COURTESY OF WHIPSNADE ZOO

Stamp of approval for Whipsnade

white lion

M

ore than 60 people gathered on Whipsnade Zoo’s iconic 147m­long white lion to complete the final step of the famous landmark’s restoration – stamping down freshly laid chalk.

The while lion, thought to be the largest hill figure in England, can be seen for miles across the Downs.

Around 1,100 tonnes of chalk was spread across the famous hillside figure’s 6,525 square metre surface area by volunteers over the past five months.

Due to the rare, native flora and fauna that surrounds the chalk beast, the conservation zoo could not use pesticides or machinery to compact its powdery surface. Coupled with

this, the lion sits on an extremely steep piece of the hillside, so is very challenging to maintain.

This meant the zoo needed a “whole lot of manpower” to seal in the new layer.

A “divide and conquer” approach was used to tackle the enormous task, with three groups of 20 volunteers each tackling the head, body and tail respectively.

A wet morning meant the chalk was suitably soft, creating the perfect conditions for a For editorial and advertising call 07939 005218

stamp in the afternoon sunshine.

Sara Nicholas, volunteer adviser at Whipsnade Zoo, said: “The atmosphere on the white lion was amazing. There were some very unique approaches to stamping, with a few groups breaking out a line dance, or ‘lion dance’, to make sure their section was well and truly compacted.”

The mass stomp, which took one hour to carry out, has ensured the historic monument will shine brightly for 2026, when ZSL – the conservation charity that runs Whipsnade Zoo – will celebrate its 200th anniversary.

Ms Nicholas added: “Thanks to the ginormous efforts of our amazing volunteers – or the ‘white lion posse’ as they’ve been nicknamed – Whipsnade’s white lion is looking beautiful.

“Stamping down the newly laid chalk was the final step in completing this magnificent carving’s makeover ahead of ZSL’s bicentenary next year.”

Owen Craft, Director of Zoo Operations at ZSL added: “2026 is going to be a big year for ZSL, as we mark our 200th anniversary.

Whipsnade Zoo’s white lion has stood proud on the Dunstable Downs for almost half of those 200 years, so it was really heartwarming to see so many people come together for its revamp ahead of our celebrations.”

Ms Nicholas concluded: “With so many staff and other volunteers from across the breadth of ZSL, including zookeepers, horticulturists, and our presenter team, temporarily joining the white lion posse to help stamp in the chalk that has been spread over its colossal head, body and tail, it was a true team effort.”

Construction of the white lion began in 1931, and it took two years to excavate.

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Servicing your electric car

By Melanie Wooding Jones – Redbourn Auto Solutions – Caring for you, and your car

Do you have an electric car or hybrid, and not sure about servicing? We’re here to help you navigate how to look after your electric vehicle…

What can you do yourself, and when do you need a specialist?

Do electric cars need servicing?

As with anything with moving parts, if you don’t look after them, they will wear and break or not be as effective.

Regular servicing ensures your car is running at its optimal; maintaining its range, performance and warranty coverage and ensures your vehicle remains reliable and safe on the road.

This thorough inspection ensures any component showing wear can be repaired or replaced before they develop into more serious (and expensive) problems.

Because an EV works differently to its fuel equivalents, the components to be maintained need to be serviced by a qualified electric vehicle technician.

You should check your manufacturer’s handbook for service intervals, but the majority are between 10,000­20,000 miles or annually, whichever comes first.

What can I expect in a service?

Manufacturers can vary slightly and include checks unique to their models, such as battery cooling lines or regenerative braking systems, but broadly an EV service will typically include: • Battery health – Inspection of the high­ voltage battery condition, charge capacity, and connectors.

• Brake system – Pads, discs, brake fluid levels, and brake operation.

• Cooling system – Check coolant levels for the battery (and motor where applicable).

The cooling system is a vital part of the For editorial and advertising call 07939 005218

system is keeping the temperature of the battery regulated. If not, the issues range from accelerated degradation or reduced range to a catastrophic failure.

• Tyres and wheels – Tread depth, pressure, condition, and wear pattern.

• Steering and suspension – Components checked for wear, damage or misalignment.

• Lights and electrics – All exterior and interior lights, indicators, and infotainment systems tested.

• Charging port – Inspected for wear, corrosion or damage.

• Software updates – System diagnostics and software updates applied where needed.

• Cabin air filter – Replaced, if necessary, for optimal ventilation and air quality.

• Wipers and windscreen – Checked for effectiveness and visibility.

Some of these areas are possible to maintain through a regular garage, but many people choose specialists.

Maintenance tips As with all cars, it is advisable to look after your car and conduct your own checks to ensure that all is functioning well between services, such as: Check your battery’s state of charge The battery is the most significant part of an EV. You can help prolong the lifespan of your battery and maintain its efficiency. If you can, try to ensure it is consistently charged between 25­75%. Keep the battery clean and free of debris and check for wear and tear.

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15 Check your charging port and cables Without effective hardware, you risk not being able to charge the car. Keep your EV port clean, inspect the cables for damage making sure they are stored properly.

Read your handbook and service schedule Make sure you are aware of the manufacturer’s recommendations for: charging guidelines, component checks, coolant and lubrication maintenance, etc.

If you can’t remember your servicing schedule, set up reminders to alert you. Some garages will do this for you.

Check your brakes Whilst EVs typically experience less wear and tear than traditional brake components, they still need maintaining. Check brake fluid condition and inspect brake pads and discs.

Inspect your tyres EVs can be heavy, and your tyres take a pounding on the roads.

As with other cars check tyre pressures, tread depth (preferably using a gauge) looking for uneven wear across the tyre. EVs tend to wear out the front tyres faster, so you may want to consider rotating them front to back.

Be aware of any vibrations or odd noises which could relate to your tyres.

Check your fluids Make sure you keep them topped up to protect the vehicle. Check coolant levels annually, flush brake fluid every two years, inspect gear lubrication. Always check the owner’s manual for schedules.

Check for software updates Much like computers and mobile phones, the EV manufacturers rely heavily on software to maintain performance. Enable automatic updates, manually check for updates, and understand the update changes!

Do I have to take my EV back to a main dealer?

Many garages will not have the right equipment to service your EV, so many drivers return to the dealership they purchased it For editorial and advertising call 07939 005218

from. However, there is a growing number of independent garages which have trained technicians ready to work on your car. They’re local and save on your pocket! But it is not always easy to identify who you can trust with your EV. Look for those who can demonstrate they have received the right level of training (not just introductory training) and who have gained good experience working on EVs.

HEVRA (Hybrid and Electric Vehicle Repair Alliance) If you are looking for a garage near you with the right qualifications, look on HEVRA.org.uk.

Any garages represented on their website have been checked for the right qualifications, tools and equipment to service and repair electric and hybrid vehicles.

HEVRA also run a full­time dedicated research and development team to find solutions to new problems. So, not only do you have the experience from your local garage, but an entire network of experts!

And, contrary to popular belief, their network of EV specialist garages can service your electric vehicle or hybrid vehicle, regardless of whether the car is still within the manufacturer’s warranty or not.

We are delighted that we have a dedicated trained EV team at Redbourn Auto Solutions and are HEVRA members. So, if you want a convenient and more cost­effective solution to your EV needs, give us a call. We would be pleased to help you.

Thank you to all our loyal customers for visiting us in 2025. We look forward to seeing you again in 2026 and wish you all a very Merry Christmas and a Happy New Year!

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Remember, remember the 5th of November...

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o doubt Redbourn villagers have been celebrating November 5th with bonfires and fireworks since the early 17th century, but the earliest photograph in the Redbourn Village Museum archives is of a bonfire on the Common from 1952. In the 1960s and 70s bonfire building became a competitive sport between some streets, most notably Tassell Hall and Nichols Close, who would post guards on their bonfires to prevent sabotage.

Eventually a group of volunteers established an organised fireworks display and bonfire on the Common, which was suspended for a few years in the 1990s due to safety concerns and the effect on the environment.

Councillor Colin O’Donovan persuaded the Parish Council to restart the fireworks celebrations in 2000 as a separate self­funding concern, in a new format – with any

This year’s spectacular Fireworks Display on Redbourn Common once again attracted thousands of spectators, with the usual funfair and food and drinks available along The Avenue.

A big ‘thank you’ from Redbourn Parish Council to everyone who gave up their time to help to make the event such a success.

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profits generated being donated to local charities – a format that continues to this day, organised by volunteers and funded by donations. A newly­formed fireworks working party reintroduced the Fairground to help fund the event and provided a professional fireworks display instead of the bonfire.

Redbourn Village Museum is open on Saturday and Sunday, 2pm to 5pm, from February to November.

Courtesy of Redbourn Village Museum. https://www.redbournmuseum.org/

Did you know...

Fireworks were first documented in the UK at the wedding of Henry VII and Elizabeth of York in 1486, although they were possibly used as far back as the 13th century.

They became a national craze during the reign of Queen Elizabeth I, who even appointed a ‘Fire Master of England’ to oversee displays.

By the 1650s, fireworks were a central part of the annual November 5th celebrations for the failed Gunpowder Plot.

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Local firm honoured with Community Business of the Year Award

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eville Funerals – one of the region’s longest­ established family­run businesses – has been named Community Business of the Year 2025 at this year’s Community Interest Luton Awards, recognising its outstanding commitment to local people and causes.

The accolade comes as Neville Funerals marks the 150th anniversary of the wider Neville Trust this year. The business was recognised for its ongoing charitable giving, its employee­led community volunteering programme, and its free bereavement support groups under the ‘Talking Elephants’ initiative.

Talking Elephants, staffed voluntarily by Neville Funerals’ own team members, offer a free, friendly and informal setting for those who are grieving to connect with others. Since launching in 2015, the initiative has continued to grow – with 96 sessions already delivered across the region this year, supporting hundreds of people.

Vicky Trumper, director and fifth­generation Neville family member, commented: “I am incredibly proud of the impressive work our funeral teams provide and their commitment to going the extra mile to support those experiencing the loss of a loved one.”

“We created Talking Elephants to offer something meaningful where bereavement services were lacking – and the impact has been humbling. It’s a safe space for people to talk and listen, and to know they’re not alone.”

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Why Christmas roses deserve a place in every garden

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beautiful plant to lift the spirits during those dark days of winter is ‘Helleborus niger’, better known as the Christmas Rose.

While most of the garden lies dormant, this elegant perennial produces its pure white blooms through the coldest months, from around December to March, often when there’s still frost on the ground.

Whether nestled in a shady border, brightening up a winter container, or displayed indoors in full bloom over Christmas, they bring such joy to the garden, and need very little fuss indeed! With each passing year, they mature into stronger, more floriferous plants, rewarding with bigger, longer­ lasting displays just when you need them most.

Courtesy of YouGarden. Read the full article at https://www.yougarden.com/blog/plant‐of‐the‐ month‐november‐2025/

To Advertise call 07905 939655

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Two offices. One name.

One community I f you’ve spotted a fresh new look at our Redbourn office, don’t worry – we’re still the same team you know!

After proudly serving our local communities since 1998, we’re excited to unveil our refreshed brand identity. Many of you will know us as Fine & Country Redbourn, but we’re now bringing everything together under one trusted name — Town & Country.

While our name and logo have evolved, our people, our service, and our values remain exactly the same. We’re still the same experienced local team, dedicated to offering honest advice, exceptional results, and a genuinely personal service.

From day one, our focus has been on community. Our team members live right here in the villages we serve — we shop locally, support local schools, sponsor events, and raise money for charity. We share the same pride in our Redbourn and Caddington offices,

Pictured clockwise from top right: The Town & Country team; the Caddington office at 1 Manor Rd, LU1 4EE; and artist’s impression of the new­look Redbourn office at 51 High St, AL3 7LW.

For editorial and advertising call 07939 005218

and in the surrounding villages, as our clients do. That deep connection means we truly understand what makes our area special — and why so many people choose to make it their home.

This rebrand unites our two offices under a single, cohesive identity. Whether you’re selling, letting, or simply looking for some friendly property advice, you’ll still find the same familiar faces — now part of a stronger Town & Country brand that reflects the communities we serve.

We’re proud of our heritage, excited for the future, and deeply grateful to the clients who’ve supported us for more than 25 years.

Why not pop in to see the new look and the same friendly faces for yourself? The coffee machine is always on — and there’s a cup waiting for you.

Same people. Same passion. One name: Town & Country.

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For editorial and advertising call 07939 005218

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Here at Slip End Garages in Luton, we believe that our traditional family values are crucial to the success of our organisation and to helping you find the automotive solution that best meets your needs. Since being ed in 1939 - and remaining under the ownership same family to this day service that is as friendly, welcoming, comprehensive as can be.

Slip End Garage

Beginning as an agricultural engineer supporting the needs of farming equipment, the business has evolved significantly over the years, having been a dealer of Ford vehicles until 1966 and then expanding to provide servicing, bodywork and breakdown services. In 1979, we would become a dealer for another world-renowned manufacturer: Citroën.

To Advertise call 07905 939655

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At our modern, well-

be able to continue to represent the Citroën marque as well as Isuzu, showcasing the virtues of every new model that is available, as well as providing some of the best pre-owned vehicles in the region. We even work tirelessly to ensure that buying a vehicle is as hasslefree and easy as possible, offering a new buy online function that enables you to purchase from the comfort

In addition to vehicle sales, our state-of-the-art workshops are staffed by some of the finest cians in the Bedfordshire area, and we continue low our traditions with a third generation of the involved in daily business activity.

Slip End Garage

To Advertise call 07905 939655

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Why understanding your numbers early can greatly influence your future lifestyle As life expectancy increases, retirement periods are lengthening, making careful and proactive planning vital. For many people, retiring by 2025 could mean funding 25 to 30 years without a regular income. Such an extended period presents unique challenges, including inflation, market fluctuations, healthcare costs, and changing lifestyle needs, all of which demand a well-structured strategy. Building a diversified portfolio, stress-testing withdrawal rates, and aligning investments with your risk tolerance can help ensure your nest egg supports you throughout every stage of retirement.

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mportantly, a “wealthy” retirement isn’t about luxury; it’s about confidence and choice. True wealth in retirement is the ability to live comfortably, keep your independence, and enjoy the experiences that matter most to you, whether that’s staying in your home, travelling occasionally, supporting family, or pursuing hobbies. With a plan that balances growth, income, and protection, you can build the financial stability to live the lifestyle you desire, on your terms.

Taking personal responsibility for retirement planning Retirees today can no longer rely solely on the State Pension.

Although it remains a crucial base, it offers only a modest income compared to the cost of daily living. In the UK, the current full State Pension pays £11,973 a year, which is significantly less than what most

people need for everyday expenses and leisure activities.

Building sufficient private savings is therefore essential.

The earlier you start planning, the more you can benefit from compound interest and tax relief on pension contributions. Taking personal responsibility for your retirement funding is the key to establishing financial stability in later life.

Understanding how much you will need A key question for many is how much money will be sufficient.

Calculating this involves comparing your expected income with your desired spending. Start by estimating your living costs in retirement, including both essential and lifestyle expenses. Then, review what you have already saved and consider how much longer you can afford to contribute.

Since nobody knows how long they will live or how inflation

For editorial and advertising call 07939 005218

might affect future costs, scenario­based planning is advantageous. Modelling best, moderate, and worst­case outcomes allows you to evaluate the sustainability of your finances. Incorporating flexibility, such as part­time work or phased retirement, can help prolong your income.

Maximising pensionand savings potential Workplace pensions remain one of the most effective ways to save for retirement.

Employers are required to provide access to a pension scheme, and many match employee contributions, effectively offering extra savings at no cost. Those who are self­ employed or not enrolled in a workplace pension can contribute to a personal pension, such as a SIPP or stakeholder plan.

Pensions are among the most tax­efficient investment options available. Depending on an individual’s tax circumstances, up to 45% income tax relief can be claimed on contributions, and pension funds grow tax­free until withdrawal. The annual contribution limit is currently £60,000 (tax year 2025/26), although this may be reduced for high earners. After the end of the Lifetime Allowance in 2024, larger pension savings can now be accumulated without

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incurring additional tax charges, subject to the new lump sum limit of £268,275.

Adjusting if you are behind If retirement is approaching and your savings are less than expected, working for longer or part­time for a few more years can make a significant difference. Earning, even a small amount, helps your pension grow while reducing the number of years it needs to support you.

Regularly reviewing your plans ensures they stay aligned with your goals. Changes in family circumstances, tax rules, or investment performance can all influence outcomes. Remaining proactive and adaptable is essential to maintaining control over your financial future.

Simple habits that build retirement wealth n Start early, even with small amounts, and let time work in your favour n Contribute regularly and increase payments when possible n Monitor progress and adjust plans as your circumstances evolve

n Take personal responsibility rather than relying solely on employers or government provisions n Seek information and guidance to stay informed about changing rules and allowances.

THIS ARTICLE DOES NOT CONSTITUTE TAX, LEGAL OR FINANCIAL ADVICE AND SHOULD NOT BE RELIED UPON AS SUCH. TAX TREATMENT DEPENDS ON THE INDIVIDUAL CIRCUMSTANCES OF EACH CLIENT AND MAY BE SUBJECT TO CHANGE IN THE FUTURE. FOR GUIDANCE, SEEK PROFESSIONAL ADVICE. A PENSION IS A LONG-TERM INVESTMENT NOT NORMALLY ACCESSIBLE UNTIL AGE 55 (57 FROM APRIL 2028 UNLESS THE PLAN HAS A PROTECTED PENSION AGE). THE VALUE OF YOUR INVESTMENTS (AND ANY INCOME FROM THEM) CAN GO DOWN AS WELL AS UP, WHICH WOULD HAVE AN IMPACT ON THE LEVEL OF PENSION BENEFITS AVAILABLE.

PENSIONS ARE AMONG THE MOST TAX-EFFICIENT ❛INVESTMENT OPTIONS AVAILABLE. DEPENDING

ON AN INDIVIDUAL’S TAX CIRCUMSTANCES, UP TO 45% INCOME TAX RELIEF CAN BE CLAIMED ON CONTRIBUTIONS, AND PENSION FUNDS GROW TAX-FREE UNTIL WITHDRAWAL.

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For editorial and advertising call 07939 005218

t: 01582 414514 e: info@capitalmanor.co.uk

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R M Y R A M A S S C J I A L T S D P L H S O F G O R L I L I E L Y R I H O E O L V B E L A F G P D D L A K O I T T E Z U E B R X N M S A L E S Y U L E A A A J C N A T O E H Y F O P I N E R G R A V Y T T C E D A R N N I U N O I T A N R A C N I The theme for this issue’s Wordsearch puzzle is Christmas For editorial and advertising call 07939 005218

Across 9 Photograph taken at very short range (5­2) 10 Kind of illusion (7) 11 Relating to sound reproduction (5) 12 Holy Communion (9) 13 Dog with wavy silky hair (6,7) 20 Leg joint (4) 21 Graded (5) 22 Wife of one’s uncle (4) 23 Reflection (13) 32 Doctor (9) 33 Cost (5) 34 Typical (7) 35 Petite (3­4) Down 1 Fragment (5) 2 Black magic (6) 3 Make­over (6) 4 Become visible (6) 5 Steel boot reinforcement (6) 6 Filter (6) 7 Operational (6) 8 Vigorous attack (5) 13 Sarcastic doubter of sincerity and merit (5) 14 Unsoiled (5) 15 Strange and mysterious (5) 16 Organisation (3­2) 17 Per ... ad astra (RAF motto) (5) 18 Resident of, eg, Basra (5) 19 Russian revolutionary leader (5) 24 One­fifth of the atmosphere (6) 25 Ethnic (6) 26 Posted (6) 27 Yearner (6) 28 Warning (3­3) 29 Source (6) 30 Atomise (5) 31 Conical tent (5)

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A festive season of song and giving

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ward­winning women’s choir Caritas Harmony is spreading festive cheer this Christmas with two heartwarming concerts in Harpenden and Dunstable raising funds for local charities and celebrating more than two decades of music, community and compassion.

A vibrant women’s choir based in Luton, Caritas Harmony is inviting music lovers of all ages to join them for two special Christmas events this year: Carols & Cake – Saturday 29th November, 2pm at Methodist Church, Harpenden (In support of The Harpenden Trust) Christmas Gala Concert – Sunday 7th December, 6pm at St Mary’s Church, Dunstable (In support of The Samaritans) Founded in 2003 as the first choir in the UK affiliated with a hospice, Caritas Harmony has grown from a small group of passionate singers into an award­winning ensemble of more than 50 women of all ages. With roots in the legacy of The Luton Girls’ Choir and a name that means ‘charity’ in Latin, Caritas

For editorial and advertising call 07939 005218

Harmony has always placed compassion at the heart of its music.

Over the past 20 years, the choir has raised more than £100,000 for a variety of charities such as Keech Hospice Care, and Feed Up Warm Up, a local charity championed by David James on The Chasers, which provides hot meals, essential supplies, and support to people facing homelessness.

“For us, singing together is about sharing joy and connection,” says Musical Director Cassandra White. “Our Christmas concerts are a chance to bring people together through music and to make a positive difference in our community.”

Expect a festive mix of traditional carols, contemporary harmonies, and of course plenty of cake and cheer. Whether you’re a long­time supporter or discovering Caritas Harmony for the first time, these concerts promise to lift your spirits and warm your heart.

Tickets available on the door or at www.caritasharmony.co.uk

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Community news...

Caddington WI welcomed Tufty Flowers to its November meeting, a new florist that is now based in Dunstable, with the owner Tina giving a demonstration of flower arranging. There was a long table with three big bunches of flowers on it and right in front of the members’ eyes she produced three amazing flower arrangements.

The first was a hand­tied bouquet in a water bag inside a carry box, which was later presented to one of the members as it was her 80th birthday – “such a lovely present for her and a surprise”.

Then a Christmas table centre with a pillar candle in the middle and Christmas foliage around it. Again beautiful. And lastly an amazing basket of seasonal flowers. Angela Viola said: “Tina is very talented and has been in the florist business for over 25 years having completed an apprenticeship and going to college to learn her craft. She told us of some of her more challenging wreaths that she has created. There have been replica Spitfires, Gates of Heaven and a beefburger to name a few. So if you are in need of a florist pop into her shop, I am sure she will be able to help you.” Caddington WI’s 70th celebratory plaque has now arrived and is going to be mounted on one of the planters on the Green. Next month is Caddington WI’s Christmas party, with games, party food and lots of fun. For more details call Carol Jones 07899 794422 or Linda Edwards 07761 340108.

Carols on the Common is again being hosted by the Harpenden Trust following “the fantastic success” of last year’s event. This Christmas Eve community event welcomes residents of all ages to come and sing carols and Christmas songs together on Harpenden Common. The concert is free, short and sweet, and takes place early in the evening from 6pm to 7pm so that everyone can join in. There will also be an opportunity to donate to the Harpenden Trust Christmas Appeal.

The Mayor of Harpenden will be hosting her Charity Carol Concert at 6pm on Wednesday December 10 at St John’s Church. All proceeds will go to her nominated charities, The Herts Domestic Abuse Helpline and The King’s Pantry Foodbank. Tickets are £6 (children under 18 free) and include mulled wine and a mince pie. Sing­ along to traditional favourites with performances from local schools and the Church Choir. Email jane.juby@harpenden.gov.uk to book.

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Community news...

Caddington resident Kay Palfrey has thanked the committee of the Heathfield Centre for allowing her to display the Oststeinbek memorabilia that has been collected over the many years Caddington has been twinned with the German village, which is situated approximately 13km east of the centre of Hamburg.

“It is so nice that lots of people will get to see it on display,” said Kay, who was voted this year’s Caddington Villager of the Year. “Although the Twinning Association is not running as it was, it is nice to know that they still send the Sash to us to wrap around our own wreath…. up until recently they would send one of their own style remembrance wreaths, but unfortunately, postage being so expensive put paid to that.”

Parish councillors Matt Tomlin and Rebecca Vafadari were going out to lay a wreath at the Oststeinbek remembrance day service – Volkstrauertag, Germany’s national day of mourning for all military and civilian victims of armed conflicts and oppression – which is held the weekend following our own Remembrance Day service.

Caddhist, the Caddington Local History Group, is “proud” to share these photos of Joyce Salvietto, a remarkable Caddington resident who will celebrate her 102nd birthday in February 2026.

The first photograph shows Joyce in her Auxiliary Territorial Service (ATS) uniform during the Second World War, a reminder of her service and dedication. The second image captures Joyce beside the War Memorial in All Saints Churchyard on Remembrance Sunday (November 9), paying tribute to her fellow servicemen and women. Joyce’s enduring spirit and contribution to our history continue to inspire the whole community, said Caddhist.

For editorial and advertising call 07939 005218

You can also discover ‘For King, Country & Caddington 1914­1918’ — a moving publication from Caddhist that brings to life the stories behind the names on Caddington’s war memorial. This carefully researched work honours the brave men from the village who gave their lives in the First World War, sharing their personal stories, families and the community they left behind. It is available to purchase at only £4 a copy (plus £1.20 pp) by post or collection. Simply contact them with your request at https://caddhist.org.uk/ publications/#contact Caddhist also welcomes members and non­members to its Christmas Meal at Dunstable Downs Golf Club on Friday 5th December. Pre­booking is essential so please contact chairman John Harper on 07763 832245 for details and to reserve your place.

Santa Claus will be out touring Slip End, Pepperstock and Woodside on the evenings of Thursday 11th and Friday 12th December. He will, of course, be accompanied by all his elves and maybe a few extra guests, with their buckets of chocolate for the young and not­so­young.

Full details of the route and approximate times will be published later. More helpers and elves are always needed so call 07958 587595 if you can help out. The float is sponsored by Slip End Village Day and all monies collected on the nights are donated to Keech and to help projects and groups in the parish.

The St Albans Round Table ‘Christmas Santa Float’ will be visiting Redbourn on Sunday 7th December and Sunday 21st December from 4pm.

Visit https://www.stalbansroundtable.org.uk/ christmas‐float/ for routes.

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Care Group Helpline – 07972 152279 Care Bus – Sharon Stanley 07774862625 or email Sharon.stanley15@outlook.com Markyate Singers meet every Wednesday 7.30‐9.30pm at the village hall.

If you enjoy singing and can hold a tune you are welcome to join our friendly group. We sing for fun but also enjoy a challenge!

Please call Lin on 07969 322726 if you require further details.

Slip End Tennis Club – We are a small, friendly club open to all ages.

Membership enquiries: Chris Kelly (07828 174122) Coaching enquiries: Sally Parry (07979 433688) Gardening Club: We are a small, friendly club which meets five times per year, 8pm Slip End Village Hall. Guest speakers on gardening topics are booked for meetings. Enquiries to Rosemary Wickens 01582 423622.

Flamstead Computer Friendly Drop‐in – for free and friendly help for your computer, tablet or smartphone. First Wednesday of the month at the Spotted Dog, Flamstead 10.30‐12.30. Our contact details: Office 01727 617359, www.computerfriendlystalbans.org.uk

Caddington Caddington and Slip End Runners – Front Street, Slip End 8pm Call 07587 189260 CaddingtonCare Good Neighbour Scheme CaddingtonCare continues to run its core service Monday‐ Friday between 9am and 4.30pm. Please call 07548 264672.

The Library in Caddington, held in the Allotment Hut off Folly Lane runs from 10am to 12 noon on alternate Thursdays. There is a large selection of books and jigsaws.

Coffee, tea and biscuits are also available.

Caddington WI Now meets 1st Tuesday of each month at 7.30 pm at the Caddington Sports and Social Club. Call Linda Edwards 01582 737036. We do a small amount of business followed by some entertainment or a speaker. Sometimes a quiz but always a cup of tea or coffee and cakes to enjoy. Do join us – we look forward to it.

Caddington Local History Group We meet on the fourth Thursday of every month at 7.30 pm in the Heathfield Centre. Contact John 07763 832245 Tai Chi Mondays 1.30pm & Wednesdays 2pm Contact Christine 07850914438 12.30pm Chair Yoga Wednesdays 1.30pm Beginners Yoga Debbie 07948804031 CADS is an amateur dramatics group that meets every Tuesday from 8pm‐9.30pm at the Heathfield Centre, Caddington.

We are a friendly bunch and welcome new members both onstage and off.

Kensworth Village Hall, off The Chilterns, Common Road, LU6 3RJ – Sylvia Inns 07831 538682 Kensworth Art Club – Tuesdays 1pm‐4pm at the Village Hall with Sonia Aldridge. 01582 872115 Dog Training at the Village Hall. 6pm‐10pm Wednesday For editorial and advertising call 07939 005218

evenings with Pat Gregory. Call 01582 873614 or email patgregory@2023@gmail.com Baby and Toddler Group – Find us on Facebook. Meet Weds 9.30am‐11am, term time only in the Village Hall. £2 for the first child and £1 for each sibling.

Kensworth Drop‐In at the Village Hall. Thursdays from 9am to 11am. Tea, coffee, biscuits and a chat. Email joanmoran6@yahoo.co.uk Friday morning snack and chat at the Village Hall. Home‐ made soup, sausage rolls, chocolate biscuits and a good old natter.

Neighbourhood Watch – Caroline Streek 872410 Cricket Club – Duncan Wingfield 872743; Parish Council – Pat Mitchell 871178 Community Scheme – 07919 081473 Local History – Julia Holder 873465

Studham Friends of Studham Common See website www.foscomm.org Studham Village Hall – Main hall and a meeting room available for hire. Modern kitchen. Activities include Art Club, Bingo, Carpet Bowls, Scrabble, Seniors Table Tennis, Women’s Institute (WI) Yoga. Contact: Des Salmon, 01582 872082 desstudham@btconnect.com Studham Tennis Club – Studham Tennis Club – We are a friendly family orientated club linked to the Studham Sports & Social Club. We welcome members of all platying standards and have coaching on Saturdays for kids and adults (members and non‐members welcome).

For more information visit https://clubspark.lta.org.uk/StudhamTennisClub Neighbourhood Watch – Richard Hodge 01582 873630 Studham Mums and Tots Village Hall – Tuesdays 9.30‐11.30, friendly group.

Whipsnade Parish Council Ken France 01582 872375; Village Hall – Sam Burr 07921 761730

Redbourn Redbourn u3a meets every month in the village hall and with more than 45 Interest Groups, there is something for everyone in their third age and no longer working full‐time.

For more information visit our website at https://redbourn.u3asite.uk, email our membership secretary at redbournu3amembership@gmail.com or speak to the chair on 07956 400493 Tennis at Redbourn Club – Join our friendly club off North Common in the heart of the village. Annual membership fee entitles play all year round. New easy to use court booking system. More details on new website – clubspark.lta.org.uk/ RedbournTennisClub Redbourn Community Group RCG volunteers offer transport to medical appointments, outings in the minibus, practical help such as shopping and prescription deliveries, friendly talks and walks, and welcome packs for new residents. Call 01582 794550 or email: info@redbourncg.org. More volunteers are always welcome.

Redbourn Bowls Club always welcomes new members. If you would like more details, please contact Jacky Jenkins, Secretary, 07796 218537 Email: jackyjenkins1@gmail.com, or Jez Cronshaw, Coach, on 07525 867450.

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32 continued from previous page Redbourn Community Library – open 6 days a week in our purpose‐built centre beside the Fire Station offering great reads for adults and children, public computers, photocopying and scanning facilities and free wi‐fi. If you would like to know more about joining our team of volunteers, pop in and see us, contact us via our Facebook page or email redbournlibraryvolunteers@gmail.com Redbourn Players is an active amateur dramatic society performing two major productions every year in spring and autumn as well as other local drama events.

We are always looking for new members of all ages, whether you want to act, help backstage, build sets, make costumes, paint scenery or help with publicity.

If you are interested, or just want to find out more, please email redbourn.players@gmail.com for details.

Redbourn Village Museum Silk Mill House The Common Redbourn Herts. AL3 7NB Patron: Sir Simon Bowes Lyon Museum open February to November Saturday & Sunday 2pm to 5pm Last admission 4.30pm Tel: 01582 793397 Email: redbournmuseum@gmail.com.

Visit us on the web at www.redournmuseum.org Redbourn in Bloom Horticultural Society Gold Award winner and Best Small Town in Britain in Bloom 2023. Besides planting schemes to enhance the village, we have all‐year‐round activities, including talks, trips, local awards, Autumn Show and Craft Fair. New members and volunteers always welcome. Join via our website, www.redbourninbloom.org.uk or contact Hilary Brown on 01582 793764, email ribmembership@gmail.com To volunteer, please contact Ann Davis, 01582 792518,email ribhelpers@yahoo.com Redbourn WI meets at 7.30pm on the second Wednesday of each month at Redbourn Village Hall. For further information call Beth Bradley on 07852 452303.

Harpenden Young Miscellany Folk Dance Group We meet two Sundays a month at Park Hall, Leyton Road, Harpenden AL5 2LX 10.30am‐12.30pm during term time. Girls and Boys age 6‐18 welcome, no experience required. We dance a range of Morris and Folk dance styles and display at many local events & folk festivals in the South East, & occasionally travel abroad.

Come and join the fun! No need to pre‐book. (free parking behind the hall).

Website www.youngmiscellany.co.uk and email info@youngmiscellany.co.uk for more details.

Gaddesden Row Baby and Toddler Group/Coffee Morning running from 9.30am‐11.30am every Wednesday.

Gaddesden Row Village Hall, Clements End Road Parents/carers and toddlers/babies , plus anyone else that might just fancy a cup of tea or coffee and a chat. All welcome.

Parent/carer plus one child £3 – additional children 50p each.

Coffee/tea and biscuits included plus snacks for the children.

To include your Groups & Societies in our What’s On pages, email paul‐jacques@ntlworld.com For editorial and advertising call 07939 005218

Caddington Baptist Church Luton Road LU1 4AF Coffee mornings on the 2nd Tuesday of each month 10.30am ­ 12 noon

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- THIIS C HRISTMASTIME ECOME AND D BE ENC HANTED BY THE MUC H-LOVED V ATMOSPHERIC T C TA ALE OF GREED AND GHOS G G TS, RUIN AN ND REDEMPTION , HEARTLESSNESS AND A HOPE.

A PERFORMED O READING BY Y CLIVE HAYW YWA ARD, WITH INCID DENTAL A MU USIC FROM DAVID V D BEAMAN AND CLAIRE HAYW Y AR ARD. THERE IS NO N BETTER WA AY TO REDISCOVER THE T SPIRIT OF C HRIS H TMAS S.

SCAN ME!

Em Or call Anne Françoise - 07577 5

Tickets £25 / £20 / £10

Caddington Gardening Club is a friendly group, meeting monthly to enjoy a shared interest in gardening, swap ideas, discuss gardening successes, the odd failure and pass on advice.

We have monthly speakers, some social events and summer trips to fascinating gardens – meeting at the Baptist Hall on Luton Road, 7.30pm Contact Sarah on 01582 419 793

To include your forthcoming events in our What’s On pages, email paul‐jacques@ntlworld.com For editorial and advertising call 07939 005218

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Thursday 18 December 2025, 7.30pm St John’s Church, St Johns Rd, Harpenden The Lea Singers’ annual Christmas Concert, FestiveLea, is an evening of uplifting singing and popular carols. With a selection of well­known carols for audience and choir interspersed with some beautiful numbers for he choir that may be new to you, this is the perfect start to your Christmas break.

We believe that choral music should be accessible to all, so tickets for this concert are on sale with a pay what you can model, which means you decide what you’d like to pay for your ticket. We have provided a pricing guide based on our previous concerts to help, but please give what you can to support the choir. £18 for adults, £10 for under­18s and students including mulled wine/soft drink and mince pie.

Tickets can be booked online until 5pm on the day of the concert. There is no booking fee. https://www.ticketsource.co.uk/leasingers/ festivelea‐christmas‐concert‐lea‐singers/ 2025‐12‐18/19:30/t‐dkakxlp For editorial and advertising call 07939 005218

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Caddington Community Shed A place where people come together to make things.

You get to learn/teach new skills as well as socialise in a friendly and welcoming environment.

Come along to the Heathfield Centre on Wednesday afternoons – 2pm until 4.30pm. Just £3 per week, with tea, coffee and biscuits all included.

To include your forthcoming events in our What’s On pages, email paul‐jacques@ntlworld.com For editorial and advertising call 07939 005218

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Sarah Claridge Chartered Physiotherapist Acupuncturist, Certified Pilates Instructor, Reformer Pilates, BUPA/AXA Reg, Sports rehab, Post‐surgical rehab, Equestrian biomechanics and fitness

Tel: 07736 319894

info@meadowphysioandpilates.com www.meadowphysioandpilates.com The Stables, Valley Farm, Valley Lane, Markyate, AL3 8AT

To Advertise call 07905 939655

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Local business?

Want more local customers?

Advertise in MiMagazine Visit www.mimagazine.co.uk or call Ali Scott on 07905 939655

To Advertise call 07905 939655

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LOCAL TRADESPEOPE Why not advertise in this magazine Visit www.mimagazine.co.uk to book online or call Ali Scott on 07905 939655

To Advertise call 07905 939655

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