TAKE May ME HOME! 2020
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Now how fast has April gone by.. With lockdown in place I hope everyone is safe and well. By now we should be getting used to the new way of life, however there are some people out there struggling mentally and physically. A very dear member of my family once said to me. “In tough time be thankful for everything you have and never focus on what you can not control.” I think these are some very wise words as we seem to be heading in to a very long period of social distancing. Okay enough of doom and gloom I think, time to get positive about all this. Did anyone see the spectacular light show in the sky? A lot of people reported the light show and thought it may have been UFOs. However it was just Elon Musk’s satellites linking up, weird that we have never seen this happen before though isn’t it? Also its great to see so many people out clapping on Thursday evenings at 8pm in respect for our NHS and key workers. Thank you for being our heroes on the front line. Till next month stay safe folks..
This month..
The team EDITOR Michael Davies WEB DESIGNER Matthew Clarke ACCOUNTS Lisa Davies Advertising sales Tel: 0117 3258029 Mobile: 07500 017236 Email: info@directlocalonline.com Distribution: Direct Local South Glos edition reaches around 20,000 people each month with weekly updates to our Online interactive magazines WANT TO RECEIVE A COPY FREE EACH MONTH? THEN GO TO OUR WEBSITE AND BECOME A PART OF OUR MAILING LIST
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5. Advertising feature 7. Accessing your pension 8. May horoscopes 9. Jewelled Moroccan cous cous 10. Movies on Standstill 11. Puzzles 15. Your Garden in May
Issue 36 May 020
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Rented homes set to become safer with new law
Landlords and Tenants need to be aware of new laws arriving on April 1st to improve electrical safety and raise standards. The majority of issues relate to the lack of safety devices protecting users, generally RCD’s for socket outlets & bathrooms. The fix for these problems can often be a replacement consumer unit. As a rule of thumb, unless, properties are relatively new or rewired since 2011, they are likely to fail.
As experienced Electricians, this has been on our radar for a couple of years now, so we welcome this finally becoming law this spring. This long overdue legislation is going to have a significant impact on some landlords, who finally will have to take action and bring their properties up to standard.
Our advice to Landlords, get them done now as there is going to be high demand in the summer when this is enforced and there is currently plenty of time to get the remedial work done.
They will be required to have their properties inspected by an approved electrician and the installation must be in good order or put right within 28 days. This comes with a financial penalty of up to £30,000 for non-compliance, enforced by the local council. We have been inspecting properties, throughout the area, for a number of years now so have an excellent understanding of the general condition of properties. Sadly, it is believed, less than 40% of installations currently inspected are of a ‘satisfactory’ standard. Quality and standards, as we experience on a regular basis, are often overlooked either by ignorance or a reluctance to finance safety.
LA Electrical are Fully Approved NICEIC electrical contractors, offering Electrical Installation Condition Reports (EICR) as well as general installation work. Be aware; the lesser qualified Domestic Installer’ electrician is not approved for this type of inspection work. Always check the credentials and insurance of any contractor working on your properties.
Visit: laelectrical.com or Tel: 01454 633336 To get in touch
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Accessing your Pension Money sensibly and avoiding Pension scams by Ben Hirst Chartered Independent Financial Adviser at Morgans Ltd Whether you have a defined benefit or defined contribution pension scheme, you can often start taking benefits from the age of 55. You could use this to help top up your salary if you are still working or to enable you to work fewer hours or even retire early. You may also be able to release a cash sum from your pension too. Often the first 25% of the fund will be tax-free if taken as a cash sum. The remaining 75% would be counted as income and taxed in the usual way. So care needs to be taken as could push you into a higher income tax bracket for that financial year. Which part of your pension you take also effects what levels you can contribute back into a pension in the future. If you just take the 25% tax free lump sum, you can continue to contribute up to £40,000 per annum into a pension. However, if you take out any of the remaining 75% taxable portion of your pension, the amount you can contribute into a pension each year reduces to £4,000 per annum. Pension Scams to avoid Pension scams have increased recently due to the Coronavirus impact on the economy and people having financial difficulties due to job losses. One particular scam to be wary of and avoid is companies claiming they can access your pension money before the age 55
One particular scam to be wary of and avoid is companies claiming they can access your pension money before the age 55. Accessing your pension before age 55 is viewed as an unauthorised payment in most circumstances. The tax you will pay for accessing can be up to 55%, as well as charges of up to 30% by the firm which does it for you. If a website or marketing brochure advertises that you can or should access your pension before the age of 55, it is unlikely they will be authorised by the Financial Conduct Authority and any advice or guidance they give you will be unregulated. This means you will not be able to complain to a regulator if anything goes wrong. There are two instances when you can legally access pension money under age 55. The first is if you’re too ill to work or if you have a serious illness which means you are expected to live for less than a year. The second is when you have a protected pension age lower than age 55. An example of someone who might have a ‘protected retirement age’ might be a professional sportsperson. If you are planning to access your pension and are unsure of the rules or how to do so, make sure you seek professional advice and consult a regulated financial adviser. You can check if the advisory firm is authorised and regulated to give financial advice by going to the FCA register on their website.
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MAY HOROSCOPES Aquarius Jan 20-Feb 18 With things going on at present, you may be feeling quite down. Remember you are not the only one feeling this way. This could be a good time to reflect and try new hobbies, maybe read a book you have never picked up. When communicating with others, they may be feeling similar so bring your sensitive side with you. Use some of this time for yourself, and remember not to be too hard on yourself or others. Keywords new things and sensitivity
Pisces Feb 19 - Mar 20 Through the challenges we have at the moment, you may be finding it hard to keep calm and in balance. Maybe take time to give yourself a breather, and try and see things in another light. It may be an idea to start thinking of new ideas and projects to begin at this time, that you could continue when things begin to ease. Keywords. Re-view and re-new Aries Mar 21 - Apr 19 We are all facing obstacles at the moment, and staying in touch with your loved ones and friends is important, but remember there are many ways now through ordinary phones and modern technologies. Remember to use your intuition at this time, as it seems to be very important to follow your inner guidance. Keywords intuition and communication Taurus Apr 20 - May 20 Someone new may need your help and support, but you may have a few things of your own to deal with right now, if so try and just be flexible and sensitive in regard to speaking to this person. This could be a good time to have a reflect on those practical things as well as some of those inner turmoils we sometimes have, and see what things would help to sort them out, to ring back your balance. Keywords for stop sensitivity and balance Gemini May 21 - June 20 Although it may seem a struggle at times, there will be some new changes for you, and a sudden realisation will dawn on you. This realisation maybe something you need to explain to someone and this should clear the air if there were some difficulties. Remember also to be kind to yourself, and stay calm, Maybe read that book you’ve been putting off, I try a new recipe, find something new. Keywords. Realisation and communication Cancer June 21 - July 22 There could be some new ideas for projects, and this could be a new interest a project or something totally new. Communication is something very valuable in general, but even more so now. Stay in touch with people who are important to you, and also give yourself that time, to read the book you have been putting off, or something you have not finished. Do you line keywords communication, and projects
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Leo July 23 - Aug 22 We are in trying times at present, and things can sometimes seem bigger than they actually are. Keep lines of communication open with your friends and family, there are many ways And technologies as well as good old fashioned phones. Maybe take some time to sort a few things out in your home environment, or at least have a think of new ideas and things you can change, refresh, or find new interests. Keywords. Communication and changes Virgo Aug 23 - Sept 22 We are well into spring, if you haven’t already done some clearing it could be a good time now to do so. If you have a tendency to overdo things, or take too much on, remember to slow down at times and give yourself a breather and try and bring some calming balance back into your life. Keywords clearing, balance, and new things. Libra Sept 23 - Oct 22 Trying to keep balance in your life at the moment isn’t easy, with all these strange challenges. Relationships are important to you even more now,It is just important to find other ways to stay in touch with people. Try and find new interests, and try to keep calmness and balance in your life. Keywords communication and balance Scorpio Oct 23 - Nov 21 If you have things you need to change, it may be a good idea to do so round now. Although actually socialising together with people is not viable at the moment, through different technology it is possible to still have some sort of social life. If all else fails the good old telephone is as good as anything. Relationships mean very much to you more so at the moment but stay in touch with people in the safest ways possible. Keywords. Relationships and communication. Sagittarius Nov 22 - Dec 21 There may be things you really don’t want to deal with but it is best if you do it especially at this time. If you can do some clearing, in which ever areas you feel needed most, it would then be an idea to step back metaphorically speaking, and review situations, and things you are thinking of changing. Keywords deal with things and overview Capricorn Dec 22 0 Jan 19 It seems as though balance in fairness are important to you at this time. There does seem to be quite a few things in the way and as well it’s all the challenges we are all facing there may be some personal ones for you. Keep the lines of communication open and try to find ways to change things in your life to make things easier. Keywords balance and changes Want to find out more about what’s in store for you this month! Contact Marie on: 07949 800354 Disclaimer This zodiac is for entertainment purposes only please do not take the predictions seriously Marie take no responsibility for your actions
Tomato and Feta Tarts
Jewelled Moroccan cous cous Ingredients
100g Couscous made up with 120ml boiling vegetable stock 2 tbsp olive oil 1/4 tsp cinnamon 1/4 tsp cumin 1 tbsp. honey 1/8 red onion, finely diced ½ tbsp fresh chopped coriander (stalks and leaves) 1/4 pomegranate seeds 1/2 tbsp flaked almonds 1/8 courgette, core removed and finely chopped 2 dried apricots, rehydrated in water for several hours, diced into small chunks Salt and pepper to taste ½ tbsp. chopped mint leaves and parsley (optional)
Method 1. Fry off the spices with the oil in a hot frying pan for 30 seconds. 2. Take off the heat and remove from the pan, placing into a bowl. 3. Stir in 1 tbsp. honey then allow to cool. 4. Prepare the ingredients as above. 5. Stir the cooled oil and honey into the cous cous. 6. Add the prepared ingredients and half of the almonds and half the coriander (and other herbs if using), stir to combine. 7. Garnish with the remaining coriander and almonds. 8. Season to taste. 9. Serves 2. 153 Wick Road, Brislington, Bristol, BS4 4HH
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Call us on 07783 334 881153
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The month of ON November offers up the MOVIES STANDSTILL perfect opportunity to shake off those With the moviescares industry currently a standstill, Halloween and setonyour eyes there isn’t too much new stuff to recommend now on something snowier, whether that’s that the last batch of digital home premieres have inallthe formHowever, of a returning Ice released. that doesn’tDisney mean there aren’t stillor plenty of classic films toromantic set your Queen Christmas-set eyeballs on, especially those that’ll prepare you for comedies featuring the music of or late 2020 releases like Wonder Woman 1984 Black Widow. Here’s how get ready… George Michael. Alltothis and more awaits in the month ahead, so let’s First up, as already mentioned Marvel’s Black dive in… Widow has been moved to a November release
Then there’s the fast-paced thrills of Le Mans ’66, where Matt Damon and Christian Bale must work together to create a car equipped to beat the dominant Ferrari.
BLACK WIDOW
date, meaning that now is the perfect time to Kicking usCaptain off on November 8th isWar. bothWhy Midway re-watch America: Civil this and the GoodofLiar. The former centresWell, on the efforts filmThe instead Avengers: Endgame? simply ofbecause US Navy sailors in theserves wake as of Pearl Harbour. Black Widow a prequel story The following week sees Elsa, Anna and Olaf But con Civil artistWar’s anticsevents, are more yourmakes thing, itHelen setifafter which a great return in the highly anticipated Frozen 2, but has Mirren Ian McKellen doon well swindle their way the ice queen learned to ‘let it go’? pick toand familiarise yourself thetocharacter’s state through the latter movie. Wonder Woman of mind.life At in the time of writing 1984 is still scheduled to release this August. Hopefully, this stays the case, because it will still give you plenty of time to brush up on the 2017 original. This film sees Gal Gadot’s Diana come to terms with the world circa 1918, before she fast forwards to the early 80s for her next adventure later on this year. Lastly, while Trolls World Tour and Sonic The Hedgehog have likely kept the kids entertained at home, Peter Rabbit 2: The Runaway coming soon the big screen . Why not then take another look at the eponymous hare’s first outing from 2018? It’s a charismatic flick set to charm the pants off the whole family. And don’t forget, Cineworld Bristol Fast one week later are to November 15th and and forward Direct Local Magazine giving readers a it’s another double feature. Lastcomplete Christmas chance to win a prize. Simply the next welcomes in the Christmas movie season as a page crossword. romantic love story between Game of Thrones’ Emilia Clarke andcinematic A Simple homework Favour’s Henry Time to do your this May Golding. ahead of the cinemas re-opening, and don’t forget to stay safe.
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And finally, Charlie’s Angels gets a reboot that stars Kristen Stewart, Naomi Scott and Ella Balinska as a new ass-kicking secret agent trio.
PETER RABBIT 2
As always Cineworld and Direct Local Magazine are giving readers a chance to win a prize. Simply complete the next page crossword. The brink of Christmas brings all the thrills, so be sure to visit Cineworld sometime in November. WONDER WOMAN1984
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AGE AMUSE BEAR BEAT BENCH BOLD CALL COPE
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Government jobs retention scheme. We are receiving a huge amount of e-mails regarding the government jobs retention scheme. This is the scheme that the government announced whereby employers will be refunded up to 80% of staff wages up to ÂŁ2500 per employee. This is a very welcome measure, but there are very few details on this. HMRC will be setting up another portal to report these members of staff, so whilst this is a welcome announcement, there are few details and we just have to be patient until the government release more information. Please note, existing systems (especially HMRC) are not equipped to deal with this. It's a deeply troubling time for us all, but for this particular measure I'm afraid there is no more immediate news. My advice is for employers that pay their staff monthly, ensure they get their March wages. I would hope this would all be resolved for end of April pay runs and that's really the only information we can give our employees as little as it is. For those needing immediate financial assistance the business interruption loan scheme may be of help. The good news is that further details have been released on a couple of measures. The business interruption loan scheme - Full details can be found here https://www.british-business-bank.co.uk/ourpartners/coronavirus-business-interruption-loan-scheme-cbils/ We have several dozen e-mails on this alone, so can I urge you to please check out this website with the details. We are working our way through all the e-mails, but this will give you the same information quicker.
Business Grants - the same applies as to the business loans. We are inundated, but the government has issued more detail. One thing they have said, and this shouldn't dissuade you from making genuine claims, is that anyone who abuses the scheme, or claims a grant fraudulently will be prosecuted. I can only advise that the same is bound to apply to the other measures announced. Details of the grants can be found here https://www.gov.uk/government/publications/ coronavirus-covid-19-guidance-on-business-support-grant-funding Support for the self-employed - There is support similar to sick pay through Employment Support Allowance details on how to claim can be found here. https://www.gov.uk/government/news/ coronavirus-support-for-employees-benefit-claimants-and-businesses Who is a key worker - We've been asked about this a lot. We've not found a definitive list from the government, it all seems vague, so again, we need more guidance from the top, so for now advice is find what you can, some councils have published lists and applying common sense are the best we can do at the moment. There is still more to be done, more help for the self-employed and also more to be done on the job retention program. However, no details have been publlshed yet, so please can I ask that any payroll's sent to us don't start taking this into account until we know more about eligibility and procedures for claiming it. In the meantime we remain open, we are doing our work as usual whilst trying to reply to everyone and keep everyone updated. Please don't listen to the nonsense spouted in the Facebook world as fact. We all know how it goes "my mate Trevor's wife knows someone who's wife is an accountant and she said.......". We live in a world of instant knowledge and gratification. However, with much of this we remain in the dark awaiting more details from the government. So I won't get into speculation, but I will keep on looking to the government and other professional bodies for advice and practical guidance and giving the facts regularly as and when we are able and providing advice and support during these difficult times. Stay safe and I will update you again as soon as I know more.
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Your Garden In May Spring is well under way now. The spring bulbs are fading and the herbaceous border is growing in leaps and bounds. The May days are longer and warmer and the risk of frost should have gone by now. The idea of getting out in the garden during the fine weather and ‘ticking things off the list’ becomes much more appealing. Spring flowering bulbs and plants will need clearing in preparation for summer bedding, and its promise of colour to come. But don’t get overwhelmed by those seemingly endless list of gardening jobs – here are our three most important…
Looking good this month... Geranium Why should you plant them?
Plant summer bedding May is the month to get your summer bedding started in borders and containers. If planting borders lift out old plants run a fork through the soil and add a good fertilizer before replanting summer plants.
Remove around a third of the oldest flowering stems – this will make the plant look better and encourage new growth to create a good display next year. Be sure to check large shrubs and hedges for nesting birds before you start chopping!
Try to fill pots and containers in the position they are going to stay – they can become heavy when filled! Water retaining crystals will help to reduce the amount of watering and keep the compost moist during warmer periods. Don’t forget to feed with fertiliser during flowering period.
Plant out young veg Marrow, courgette and sweetcorn are all ready to be sown in the greenhouse. The likes of brussel sprouts, kale, peas and swede should be okay covered outside.
Prune evergreen hedges and spring flowering shrubs There’s no better time to give evergreen hedges a trim to get them looking neat and tidy. Smaller hedges can be tackled with a pair of shears, but you may need a hedge trimmer for larger bushes. Prune any shrubs that flowered in spring as soon as they have finished flowering. Broom, forsythia and ribes all need pruning now.
If you have already gown tomatoes, move them outside to harden them off. Keep them outside during the day and bring them back inside at night for two weeks to acclimatize them. If you have potatoes that are starting to emerge, pull a few inches of earth around the plant with a rake to give the plant more soil to grow.
Enjoy your garden!
Geraniums make popular bedding plants – either in the garden or in pots and hanging baskets. They thrive outdoors in the summer but are also great for using a houseplant. They look good planted in a group in a flowerbed all by themselves or mixed in with other annuals – the perfect plant for any spot that calls for a splash of colour throughout the season. How should you plant them? Geraniums need to be grown in well draining soil or if planting in pots a good quality free draining compost. They should be located in a bright spot in the garden that gets plenty of sunshine. Soil should be allowed to dry between watering to avoid 15 root rot.
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