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If you are aware of a local company that could benefit from more business, please let them know about us as we would love to help them. Equally if you know of a charity, club or society that needs some support, we are here for them too.
With the October issue we await with pleasure the autumn and those wonderful golden leaves. How beautiful our countryside looks at this time of year. Please grab a cuppa this October and have a read of your local Directory, with all our businesses, editorials and stories.
Keep smiling!
Take your business to new heights with our affordable advertising packages! Supply your own artwork or use our in-house design and brand expert. To chat to Debbie or the sales team, give us a call: 01425 485194
enquiries@modernmagazines.co.uk
Copy deadline for November edition: 10th October 2022
DISCLAIMER: Whilst every care has been taken to ensure that data in this publication is accurate, the publisher cannot accept any liability to any party to loss or damage caused by errors or omissions resulting from negligence, accident or any other cause. Roundabout Ringwood does not officially endorse any advertising material included within the publication. No part of this publication may be reproduced, stored in ant retrieval systems or transmitted in any form, without prior permission of the publisher.
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The Substantial grounds are home to 52 residents who participate in the on-site Workshops where they produce a range of craft products as well as maintaining the beautiful surroundings. Central to the community is the main building that houses the Shop, Cafe and Gathering Hall.
Vistors are welcomed with lunches and cream teas, freshly baked goods from the bakery and a range of local and organic products as well as exquisitely crafted pieces from the workshops.
The Bakery is run by a master baker, ably assisted by the residents. They produce a range of artisan breads, delicious fresh cakes (they do not have a chance to go stale!), luxury slices and biscuits. Available sliced or uncut, be sure to place an order for your bread to avoid disappointment. Friday is pizza day!
The Shop specialises in organic and local fare, o ering items not found on the high street. It also showcases the unique pieces from the Community.
Workshops: handwoven cloth, willow baskets, felt decorations, pottery
With ample on-site parking
The Shop is open from 8:00-16:30 Cafe from 8:30-16:00, Mon - Fri
485194
The Lantern Café and Shop are located within the Lantern Centre, an award winning, beautiful building. Set within a small green belt just outside the heart of Ringwood with access to the Castleman Trailway
Our Café serves:-
• Footprints Organic Coffee
• Clipper Organic Tea
• Cakes from our on site
• Cream Teas
•
Our Shop sells:-
• High quality local products
• Organic food and toiletries
• Pottery and other gifts made by our companions
• Fairtrade gifts
• Refill toiletries and cleaning products.
• Fresh artisan Bread
From the 15 Prime Ministers she swore in, to the modernisation of the Royal Family and the styling of a public perception that ensures we remain committed to the pomp and pageantry of the House of Windsor, Queen Elizabeth II’s legacy is impeccable and elegant. We reflect on some cherished moments along the way.
Born in April 1926, Princess Elizabeth Alexandra Mary Windsor was third in line to the throne behind her uncle, Edward, Prince of Wales, and her father, Albert, Duke of York. However, her ascension was accelerated when, in 1936, following the death of King George V, her uncle relinquished the crown so he could marry the American divorcee, Wallis Simpson.
Now heir apparent, during the war she joined the Auxiliary Territorial Service, learning how to drive and maintain vehicles; and on her first oversees visit, to South Africa in 1947, gave a speech dedicating herself to the Commonwealth – a promise Her Majesty kept to the very end.
By the time of her beloved father’s death in 1952, Princess Elizabeth had become a wife, to Prince Philip, and mother to Prince Charles and Princess Anne. Yet on undertaking the crown aged in her midtwenties, she was acutely aware of how monumental the task was that lay ahead of her.
In her prime Queen Elizabeth II made a truly modern Head of State. Her Coronation at
Westminster Abbey was the first to be televised, and on her gruelling first tour of the Commonwealth, alongside Prince Philip, she made every effort to win over the hearts and minds of all those she encountered.
Naturally, over the decades there was much political and social tumult. Her Majesty’s reign saw 15 Prime Ministers come and go, from Winston Churchill to Liz Truss.
There too was drama from within her family. In 1955 it became necessary to intervene in her sister Margaret’s planned nuptials to Peter Townsend; though the most significant upset during her reign was surely the dissolvement of Charles and Diana’s marriage, and the Princess of Wales’ untimely death in a car crash aged 36.
In her twilight years, the Queen cemented her legacy through continued work and devotion, travelling extensively and hosting countless high-profile and sometimes controversial guests and Heads of State, including Mugabe, Mandela and Trump.
The final two decades of Queen Elizabeth’s life and reign undoubtedly brought both joy and sadness in equal measures - the weddings of six of her grandchildren and the birth of 12 great-grandchildren, yet also the deaths of her beloved mother and sister Margaret and the passing of the king of her heart, Prince Philip.
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A family run company committed to providing good quality and genuine care for your loved ones.
2 small homes offering warm, comfortable and safe settings with a “home from home” feeling.
Fresh produce and home cooked varied foods prepared by caring chefs offering many choices.
Friendly and committed local staff assisting in your every need 24hrs a day.
Extensive social care and activities offered by our experienced co-ordinator.
Flexible Day Care Service available.
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Denewood House Care Home, 12/14 Denewood Road, West Moors, BH22 0LX
Telephone: 01202 892008
Email: denewood@samilycare.co.uk
Manager: Becky Wall
All enquiries to Kelly Morris,
Highgrove Care Home, Stapehill Road, Stapehill, Wimborne, BH21 7NF
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Manager: Janet Sheridan
Registered Manager on: 07825 201999 or visit us at
Christian Bale is the cool, calm, understated and effortlessly edgy actor famous for his roles in everything from American Psycho to Terminator: Salvation, Vice to The Machinist.
He sways between bloated bureaucrat and paper-thin introvert, between deranged narcissist and supercharged superhero; yet through it all, he carries with him a brand of perfectionism that permeates every project and every script, and an intensity, both on and off screen.
“Being a perfectionist does come across to me as a battle, but it’s a battle I want to invest in; and it’s one I don’t want to conquer,” he begins. “Sometimes the conflict is the thing that keeps you going in life, and that’s definitely the case with me.”
Already three decades into a brilliant career, which has taken him from the very simple surrounds of Haverfordwest, Wales, through and beyond LA and the global film market, he now occupies an iconic place where art and culture collide. He sits in a space where you doubt he could ever make a bad movie again.
“I’m not sure about that,” he cuts back, returning to the subject of the standards he sets himself. “Ultimately, I believe my own battle with perfectionism is something that will play itself out over the years to come. I’m not completely constricted by it, nor do I think I have conquered it, so I guess I must be somewhere in the middle.”
Diversity has also been a big part of Bale’s makeup – even his reacquaintance with the superhero genre sees the 48-year-old taking invention forward, as Gorr the God Butcher in 2022’s Thor: Love and Thunder.
about a great story is a sense of fatalism - that’s usually what draws me to a project.
“It gives me a drive and focus because I know there is a destructive, uncomfortable endgame.
“Ultimately, once you are on that track to what is usually a sense of implosion, it opens up a pathway to what I consider my best work.
Whether Bale’s voyage back into CGI turns out to be as profitable as his portrayals of Bruce Wayne, or as artistically satisfying as Patrick Bateman, remains to be seen, but the notion of success is one that Bale has his own definition for anyway.
“It doesn’t matter to me what the genre is, what the subject matter is, who the character is or what the era is. What I love
Gorr what love
“Success is relative. Success in the movie world isn’t necessarily success in life. Success comes about when you choose the things that make you and those around you happy – it’s being confident enough to forge your own path.”
Under the skin of actor Christian Bale, who combines versatility with a permanent drive for perfectionism.The semi-detached houses on the left of the old photo, now 43, 45 and 47 Hightown Road, were built in Victorian times and known as Southend Grove. 19th century residents included the town missionary, a railway engine driver and a millwright.
Southend was the old name for the southern end of Hightown Road, which over the years has also been known by many different names: Lamb Lane after the inn on the corner of Christchurch Road, Clark’s Lane, after the family who lived in Southend House in the 18th century, Cemetery Road or Station Road.
Up until the early 19th century the lane finished just past the very sharp corner shown on the right of the c1900 photograph. Since then the Highways authorities have considerably reduced this awkward angle but still today it remains quite a sharp bend.
The 1809-1811 Enclosure Act for Ringwood included the establishment of an entirely new part of Hightown Road continuing on from this bend in a straight line up to Eastfield Lane. (Since the creation of the Castleman Way roundabout in the 1990s this straight line has been broken).
The old thatched cottage next to them was the home of farm labourer Alfred Plumley and his family. Sometime about 1930 this cottage was demolished and replaced by two detached houses, numbers 49/51 and 53, built by Barrow Brothers of the Quomp. A further detached house (51a) was added between them early in the 21st century. These are screened by bushes in the modern photo.
Bull Hall, now 57 Hightown Road in the centre of the picture, was described in the May and June 2022 issues of Roundabout Ringwood.
Copyright © Mary Baldwin Article and photo kindly supplied by Mary Baldwin inThe four most sustainable tech companies in the world.
As the name suggests, Fairphone has been striving for a fairer and more sustainable electronics industry since its inception in 2013. Though a less-known brand in the UK, this Amsterdam-based manufacturer has achieved an enormous amount in a short period of time and has sold around 400,000 devices globally.
Currently on the fifth imagining of their eponymous smartphone, the folk at Fairphone have managed to extend the average life of a device from 2.7 years to around five: which reduces greenhouse gas emissions per year of use by around 30%.
The back of the phone is made from 100% recycled plastics, and no parts of the body are sealed meaning it is easy for the consumer to change the battery if necessary.
In other words, this once-social enterprise is leading the way for other phone manufacturing giants to follow.
Despite having set the smartphone gold standard back in 2007 with the original iPhone, Apple have been playing catchup when it comes to their ethical and sustainability standards.
Yet under CEO Tim Cook, the tech titan has risen through the ranks to become one of the most committed and proactive in the world.
Not only have Apple decreased their overall carbon footprint by 40% since 2015, using efficiency efforts and incentives throughout their supply chain; they have also made a concerted effort to use recycled plastic across their products.
Most impressive though is their pledge to become a closed-loop supply chain, meaning every single device would be made entirely from recycled material - an effort Steve Jobs would be proud of.
3. Dell Dell aims to use 75% renewable source electricity by 2030 and 100% by 2040; and while their efforts are perhaps not as admirable or ambitious
as Fairphone or Apple, this tech stalwart publishes a detailed breakdown of its major suppliers along with transparency over product components, citing which parts are recycled (and which aren’t!).
They also use closed-loop materials in over 91 products, with materials sourced from their own takeback schemes.
4. HP
As one of the world’s biggest manufacturers of PCs, Hewlett Packard have been under great pressure from eco zealots who expect them to do their bit for the planet… and they haven’t disappointed.
Not only have the Palo Alto innovators shown a great willingness and transparency regarding their carbon output, they have also led the way in sustainable innovation, including tablets that are easier to repair and upgrade.
Inevitably, such steps lead to lower profit margins, but such are the expectations from household brands such as HP.
This month, four October releases as the build-up to the busy book season begins.
These serve to highlight the awe-inspiring, heart-warming and eye-opening moments that have changed the game – and sometimes the world – forever.
From pioneering players, trailblazing managers, and incredible tales both on and off the pitch, this book contains everything you ever wanted to know about the beautiful game. Published by Puffin on October 13th
Mad Honey by Jodi PicoultA soul-stirring novel about what we choose to keep from our past from the New York Times bestselling author of Wish You Were Here and She’s Not There.
Olivia McAfee and Lily Campanello have both started new lives in unfamiliar surroundings, but a shared love interest sees suspense, love story and exploration of the secrets we keep threatens to build to a powerful crescendo.
Published by Hodder & Stoughton on November 15th
50 Times Football Changed the World by Gary Lineker and Ivor Baddiel
Like him or loathe him for his Twitter antics, football legend Gary Lineker – with the help of Ivor Baddiel – has put together a collection of truly uplifting, empowering and extraordinary football stories that have inspired him throughout his career.
Made With Love by Tom Daley Made With Love is Tom Daley’s long-awaited debut knitting and crochet book.
From covetable gifts to chic homeware, cosy accessories and stylish wardrobe essentials, Tom offers helpful tips and tricks to support even the most tentative of beginners. So whether you are a complete novice or looking for something a little different to try, Tom Daley’s Made with Love will soon have you creating projects to be proud of. Published by Harper Collins on October 27th
Soft Lad: A Collection of Stories (About Me) by Nick Grimshaw
In Soft Lad, DJ and presenter Nick Grimshaw shares his outlooks, surprising obsessions, the things that have shaped him and his personal experiences with the world.
From his move from Oldham, Greater Manchester, to the
bright lights of London, to his 14-year career climbing to the helm of the Radio 1 Breakfast Show, he discusses everything from his love of music through to self-care, partying, lifechanging nights out, growing up, Red Nose Day, coming out, dogs, family, ADHD, Catholicism, and all that he’s seen in-between.
Nostalgic and heartfelt, it shines a humorous and captivating lens on the everevolving cultural obsessions we live by. Published by Hodder & Stoughton on October 27th
At St Michaels Church, Church Hill, Verwood BH31 6DZ. 4th Monday of the Month at 11.00am 12.30 excluding August. Singing meeting for people with memory problems. Aim is to give carer & cared for quality time together. FREE. For more info call Gwen on 01202 827800
Helping people in the BH24 postcode area with transport for medical appointments and also has a BEFRIENDING service. Please contact us on 07933 202112. More drivers always welcome, please phone if you can spare a few hours a week.
Social club for the older community who meet on 1st and 3rd Thursday afternoons each month, 2pm 4.15pm, in the Activities Hall, Greyfriars, Ringwood. Contact Sam Davies 01425 472613
Meet in St Leonards & St Ives Village Hall every Friday morning from 9 until noon. Currently we operate in a socially distanced way so unfortunately we are unable to serve refreshments at present. But we are here to help you with any IT problems. Call 01425 476558 for info.
Full programme of Leagues’ Bowls for both Ladies & Gents in the New Forest & B’mouth & District Leagues. Stuckton Road, Fordingbridge.
Contact: Mr D C Jones 01425 657627
We promote the art of Fly Dressing/Tying. Wednesday evenings at 7pm 9:30pm at Poulner Junior School, North Poulner Road, Ringwood, BH24 3LA. New members always welcome
Secretary Peter Wildash: 07587000223, mayoflycraft@talktalk.net
Visually impaired people meet on the 2nd and 4th Thursday afternoon each month at Greyfriars Activities Centre, RingwoodContact Kate Henderson 01425 476568 / Russell Webb 01425 476618
Traditional and contemporary folk dances from around the world. No partners needed. Meeting on 1st, 3rd and 5th Fridays of each month from 7:30 9:45 in Edmondsham Village Hall. Pay as you go.Contact Kirsteen McCormick on 01725 517807.
Practice evening, each Friday at 8pm 10pm. Ebenezer Hall, Greyfriars, Ringwood. NEW PLAYERS WELCOME! Jane Lashmar: ringwoodandburleyband@mail.com
Meet 3rd Monday each month at 7pm at Radnor Hall, Bodenham. New members & visitors very welcome. £5 inc refreshments.
Info: Pat Jones 01258 452510 Doreen Simkins 01425 652085
Ringwood Conservative Club, 22 Christchurch Road, Ringwood. BH24 1DN on 3rd Thursday of the month. Good Food & Bar. Music from 7.30 10pm. (Doors open from 6.30pm). No membership required.Contact Geoff 07798 721405 or 01202 822038
This full symphony orchestra rehearses 7.30 pm Wednesdays at St Peter’s Senior Catholic School, St Catherine’s Rd, Southbourne. Contact conductor Sam Newgarth 01258 473073. sam@newgarth.fsnet.co.uk www.baps orch.co.uk
Want to try woodturning? Come and join us at St Leonards & St Ives Village Hall Braeside Road St Leonards Ringwood BH24 2PH 1st Wednesday each month 7.15pm 9.30pm. for more details
Contact: Nigel Lloyd Secretary on 07940 348776 or just come along
Fordingbridge & District Branch No. 1321. Meet every 4th Thursday in the Month at Scout Hall, Fordingbridge 7.30pm. Open to all ex RAF &friends.
Pub nights, Parent/toddler group, German church. Contact: Cass 01425 479101 email: cassscholz1@yahoo.co.uk www.krautsalat.org
RINGWOOD & FORDINGBRIDGE TALKING NEWS
Supplies audio transcripts of local newspapers and non political and non sectarian magazines free to sight impaired people. Welcomes donations & help to read & edit.
Contact: Peter Ansell 01425 475886
Join us to maintain footpaths and enjoy organised walks, social activities and winter evening meetings. Membership Secretary: 01425 647499 www.rffs.org.uk
Braeside Road St Leonards. A bowling club for ALL participating in the Leagues, Friendlies & Internal competitions. Club sessions Mon & Fri afternoons. Beginners and established players welcome Secretary Brian Morrell 01202 828614
Mixed choir, singing harmony songs from around the world African, gospel, Taize, folk etc. No auditions, beginners as well as experienced singers age 10 upwards. Meet at Greyfriars Wednesdays, 7:30 9:30. Pay as you go. Contact Kirsteen McCormick 01725 517807
Meet at Avonway Community Centre at 7.30 pm alternate Wednesdays for a mixture of talks by top photographers and members’ shows constructively judged by experienced professionals. 01725 518448 www.fordingbridgecameraclub.org.uk
At Godshill Village Hall, final Wednesday of every month at 7.30pm for musicians, any ability, who want to learn jazz. £4 per session, inc tea & biscuits. Derek Ayling, 01425 650770 or Hippotrain@btinternet.com
We bowl from 7.30pm to 10 pm every Wed & Sun at St. Leonards & St. Ives Village Hall, Braeside Road. A gentle sport suitable for ladies as well as men. Ring George on 07831224945
Every 3rd Wednesday 2 4pm ‘Avonway’ in Fordingbridge. Members also join activity groups according to interest. Info at u3asites.org.uk/ fordingbridge, Info packs in Fordingbridge library, or come to a meeting (£2 guest) Peter Woollett (memb. Sec) 01425 655490
New group exploring and celebrating matters of spirituality, faith and conscience, asking you not telling you your faith. http://ringwoodunitarians.blogspot.co.uk or 07899 730181
Every Wednesday 2 4pm in Greyfriars, Ringwood. The repertoire spans 19th and 20th century drama and we put ‘feeling’ into our parts just like BBC Radio productions. We are short of male readers and would like to see some new faces! Contact Russell Webb 01425 476618
Meet Monthly 2nd Thurs 2pm at Crowe Hill W.I. Hall, Crow Lane. Visitors welcome. Contact: christine.williams0@icloud.com
RINGWOOD MUSICAL & DRAMATIC SOCIETY & CHOIR. A friendly theatre group of all ages staging Musicals, Plays & Choir concerts. If you’d like to join us either on stage, behind the scenes or singing in the Choir, email our secretary jane.howell059@gmail.com. For our Choir contact Pamela Berry on 01425 402366.
RINGWOOD NWR
Small friendly women’s group looking for new members. Main meeting monthly weekdays at 7.30pm. Book group meet monthly on Mon after-noons. See nwr.org.uk or contact Josephine 01425 476052
Meets every 3 rd Monday of the month at 7 pm to 9.30 pm at Greyfriars Community Centre, Ringwood. Monthly demonstrations by professional artists, also workshops and pottery afternoons. New Members welcome. Contact David Lowe 01425 482602 or www.ringwoodartsociety.org
Meet on the 1st Tuesday of each month at The Methodist Hall, West Street, Fordingbridge. 2 4 pm. Novices & experts welcome. Valerie 01425 656052 or Mary 01425 471362
Guiding for the 18 to 80+. Come and join our lively group who enjoy fun,food and fellowship. W e meet at the Trinity Centre, Ringwood 7-9pm 1st Thursday of the month for speak ers activities and fun. Transport available. Contact June Bentham 01425 474035
Meet on the third Thursday of each month at Crow WI hall Crow 7 pm for 7 30 start. Visitors are always welcome for m ore information contact cecileyrt@tiscali.co.uk.
Meet at Greyfriars Wednesday pm for Rubber Bri dge (1.30pm) and Fri day eves for Duplicate Bridge (6.45pm). New members & visitors welcome. Phil 01202 379297
Meet at The Ann Rose Hall, Greyfri ars, Ringwood 1st Wednes day each month at 7.30pm,Septem ber to May. www.avas.org.ukCont act Mark Vincent 01425 473677
A very friendly club that meet on the 2nd & 4th Tuesday of the month at Ringwood Conservative Club. We welcome visitors and have a beginner's section www.ringwoodcameraclub.co.uk or 01425 4826 636
We are found on the grounds of Cranborne Middle School in E Dorset. We shoot on Sunday am, Tues day & Thursday eve’s in the summer. In the winter, we also shoot indoors. www. dor setarchery.co.uk
Duplicate Bridge played on Tuesday evenings 6.45 to 10pm at All Saints Church Hall, St Leonards. New members and visitors welcome. Mrs Marion Paris 01425 478241 or Jill Rix 01425 482747
Rehearsals are held on Wednesday evenings in term time from 7.30pm9pm in the URC, Salisbury Street. New singers welcome. Cont act our Secretary on: 01425 654372
We m eet at 6.30pm/7pm on Tues days every week at AvonwayWe like to make a differ ence to the lives of others. For information on joining us call: Colin Ritchie on 01425 655877
Refurbished and available for hire for
Meets Monday evenings
Greyfri
at
Comm
Centre,
Hyde,Fordingbridge
Thurs day 8 - 10.30pm, Sat 9-1pm Also Salisbury Tues eve - Sun am. Physicalandspiritualdevel opment. Selfdefenceandweapons training. 20yrsexp.4thdanQualified instructor.All ages.ContactJohn01425655194 www.takemusu.co.uk
Friday's (1st & 3rd) 3.30 - 5.00pm for childr en aged 8 to 11. Wednesday's(2nd&4th)6.00-8.00pmforchildrenaged 10+ £1persessi on plus tuckshop Rearof StLeonardsVillageHall Phone Clementineon07757975239
We care for the needs of those who are infirm, young or old, & without transport.Ourvolunteerswill driveyoutomedicalappointments& sometimes take you shopping. Call:“Sandleheath&Fordingbridge 0845 385902” and, for more info, call 01425 652527 or 01425650770
Meet at The Victoria Rooms FORDINGBRIDGE . 1st and 3rd Thursdayof eachmonth3.00pm-4.30pm forbabiesandlittle onestoaround 3yrs.ContactNLCCforfurtherinformationon 07909711886
Our friendly club meets from 7 to 10pm on Tues days every week at AvonwayCommunityCentre,36ShaftesburySt, Fordingbridge.1st&3rdweeks: Rubber.2nd&4thweeks: Duplicate Fordetailscall SueHughes01425 657795
Last Monday of the month (not July & Aug) at The West Room,Avonway CommunityCentre, ShaftesburySt., Fordingbridge7.30pm. Contact: DavidMelbourne01425655235orvisitwww.fanddhs.org.uk
Meet every Tuesday, 1st & 3rd at 6.15pm: 2nd & 4th at 12.45pm at The GreyfriarsCentre(If5thTues daycall fordetails). Contact the Secretary:TimMoxey01425 470880orwww.ringwoodrotary.org
We raise money to provide extras & equipment. New mem bers and helperswelcomeatour2main annualfundraisingeventsalso volunteerstojointheteamservingmorningcoffee topatients. Contact: Lynette Stanford, 01425 657650 lynette_stanford@btinternet.com
Meet at Greyfriars Comm unity Centre on 1s t Monday evening of the monthforillustrated talksINENGLISHonavarietyofItalian topics Contact:Hazel on01425476091
Come and join our French Coffee Mornings every Tuesday 10am-11am at TrinityChurchCentre,Ringwood.All abilitieswelcome, c onversation group, no exams.Nomembershiprequired. AlainJourdan,01202 423318 or info@frenchmatters.net.
Every Sunday evening 7.30pm to 10.30pm at The Hurn Bridge S ports ClubBH236DYBeginnersWelcome. Contact:Alan01202699022
Monday classes in Avonway Comm unity Centre, Shafts bury Street, Fordingbridge.TaiChi“HealthforLife”Drop-in11am-12.15pm Contact:PatrickFoleyorJaneLaunchbury01725514546 office@longwatertaichi.co.uk.
RINGWOOD U3A areasmall and friendlygroupforthoseno
Monthly
RINGWOOD AND DISTRICT EX-TABLERS CLUB. An active and friendly group of ex-Round Tablers (41-Clubbers).We have a busy and varied Social Programme with
monthly dinner meeting on the third Tuesday. For
Stockdale on 07930 340624
call
Meet monthly 2nd Tuesday at Braeside Village Hall at 2.30pm-4pm.
Contact: Elizabeth Layet President 01425 478884 or Geraldine Bowles Secretary 01202 871251
For many people, life is an act of juggling competing financial demands. However, this can often change mid-40’s to mid-50’s when children may have grown up and become financially independent, debts including the mortgage have been reduced or cleared and you are in your peak earning years. This is when thoughts may turn to the next major change in your life-retirement!
Realising there are only 10 years or less to maximise savings, clients often tell me it’s time to “get serious” about financial planning and want to ensure they retain as much of their earnings as possible and minimise the tax they pay to save more. They also want to understand “how much is enough” and have a plan to enable them to retire at a time of their choosing. I’ve listed below some of the key information required to help create a plan.
1. Understand what loans (including mortgage) are outstanding, what interest is being charged and when they are due to be repaid. It is important to be debt free at retirement, albeit there are number of ways to achieve that depending on your personal tax situation.
2. Obtain a state pension projection to understand what you will be entitled to and when. This can be obtained online via the Government website and will be a valuable source of inflation-protected income at the state pension age. It is possible to top this up with lump sum payments if you haven’t been credited with the full 35 years of National Insurance contributions.
3. Obtain projections from any Defined Benefit Pensions. These can also provide future inflation-protected income and the date they are due to commence will vary depending on scheme rules.
4. Quantify your personal assets which include cash, investments and property. Understand what your investments such as ISAS and
Pensions are invested in, what you are paying in charges and to what level of risk they are exposed. Is this too low or too high or just right, based on when you plan to retire. Do your pension plans allow full pension freedom flexibility in the way you can access income in retirement (Flexi-Access Drawdown, UFPLS, Annuities)?
Once you understand your current position, you need to quantify how much you will need to have accrued by the time you want to retire. Often people want to retire before the state pension age or need more income than the state provide, so how do you save enough to meet those gaps? What is the most tax-efficient way to save? Any plan also needs to incorporate inflationfor example inflation at 3% per annum (long term average) means expenses in retirement could double every 24 years.
We utilise specialist cash-flow tools to answer all these questions and help clients plan for their retirement. Once in retirement, we help them maximise their lifestyles by showing them whether their retirement “wish-list” is affordable and if so, encouraging them to do things whilst they are fit and able. If you’d like to learn more or discuss your personal situation, we would be delighted to meet for a free, no obligation initial chat.
Howard Goodship is an Independent Financial Adviser with Lonsdale Wealth Management, 5 Fridays Court, Ringwood. Tel: 01425 208490 www.lonsdaleservices.co.uk
The value of an investment and the income from it could go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested. The contents of this article are for information purposes only and do not constitute individual advice.
There’s no shortage of advice when it comes to health - eating the right food, keeping physically active, getting enough sleep.
But what’s healthy about good hearing?
Taking care of your hearing is shown to have a positive impact on physical and cognitive functions, mental well-being, and social engagement - all of which contribute to the foundation of a healthy lifestyle.
Statistics show that two in three adults over the age of 60 experience some degree of hearing loss. While it’s often a normal part of ageing, it can go unnoticed if you don’t know what to look for:
Are you experiencing any of the following?
• Dif culty understanding others especially in places with background noise
• Playing the radio or TV louder than the level others require
• Asking people to repeat themselves
• Not hearing things that are out of the range of sight - people, traf c etc.
If these sound familiar to you, now is the right time to take steps to improve your hearing and your well-being.
Taking action on your hearing loss gives you: More energy. Taking part in conversations is less draining. This means more energy for the family, friends and the activities you feel passionate about.
More confidence. Understanding what goes on around you lets you actively participate with assurance and peace of mind.
More enjoyment. Whether you’re hosting a get-together or relaxing with good music, better hearing lets you make the most of any moment.
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We look at the changing elements that will soon play themselves out in a very public way, as the Elizabeth II era assumes its cherished place in history.
It is doubtless that with a bittersweet heart King Charles III embarks on his new role as Head of State. Having waited 73 years to take up the post he was literally born for, His Majesty has long dreamed of this historic moment. And yet, the price of power comes at the loss of his greatest love, mentor, and ally: his mother, Queen Elizabeth II.
And while Charles assimilates to a new life and role, this is not necessarily the only challenge he has to face, for the opinionated Prince must now become the impartial King.
Having waited in the wings for the past seven decades, it would have been ludicrous for the Prince of Wales to not only nurture opinions on society and the world-at-large, but to express them also. From environmental issues to a desire to revive grammar schools –and most recently a disdain for the government’s Rwanda
deportation plan – the Prince of Wales has not only never shied from letting his thoughts be known, often instigating change via his various charitable and passion projects.
The issue here is that a prince may have such hobbies and persuasions, whereas a king, in truth, must not.
One of the most abiding and best-known rules of the British constitution is that the monarch stays out of politics. This is the foundation on which the monarchy survives in a democratic society regardless of what personal gains may be made from wielding its enormous power, publicly or otherwise.
Thankfully, King Charles is a brave, sincere, grounded member of the royal family,
who takes humility as a cornerstone of behaviour having seen such a lack of it in many of his relations. He understands the next step in the line of Windsor is not in questioning what is right and proper, but more prioritising the elements of society that need his authority and guidance most, during what are difficult times for us all.
As king, Charles is responsible for carrying the weight of not just a nation, but the other 53 Commonwealth countries, across 14 realms, which now fall under his rule. He must be a champion of the people, cultivating pride when times are good, and courage when they are bad.
It is a mighty task, but one he is more than qualified for. He will undoubtedly be a very different monarch, yet what should reassure us all is the fact he has inherited his mother’s values, strength, and sense of duty.
very the come…
Now, a new dawn has come… God save the King.
Designer, writer and television presenter, Kevin McCloud leapt into our consciousness with his vastly successful Grand Designs show on Channel 4. This month, the affable architectural business owner talks about the evolution of design and design trends in 2022, and beyond.
It’s over 20 years since Grand Designs first appeared as a concept, and in marking that anniversary I’ve had a number of people ask me how new design and of-the-moment architectural planning has changed over that period, and what evolution we might see in future.
Well, with tongue firmly in cheek, I’ll begin by noting that these days there is an unending appetite for bifold doors! Also, a significant movement from tones of brown and black to the real on-trend colour of the moment, which is grey. I’ve always thought there is a real
versatility to grey and that seems in evidence.
Perhaps another thing I have noticed is the prominence of multiple toilets in new homes being built. It seems we have almost as many toilets now as we do bedrooms!
As for the future design trends, well there is that saying, “architecture is so slow there is no point trying to be fashionable with it because by the time you’ve built something it’s already out of date!”, and I think there is a lot of truth in that.
Certainly, a good building will always fulfil the needs and loves of the people who inhabit it. It’s a place that needs to be responsive to the people. The very first part of that must always be shelter, and security, in all conditions. Once you’ve solved that you can start experimenting and having a bit of fun.
With that in mind, I think entertainment
space is rapidly becoming a priority; and with the cost of living continuing to increase, this will be even more the case going forward, where perhaps we’re swapping eating out for eating in.
For similar reasons, workspaces at home are vital, with a decrease in the need or willingness to commute; while the connectivity of our technology is something I don’t think we will ever regress from, and certainly makes our lives easier, which is great.
Speaking personally, I would love to have a covered deck where I could just sit, sheltered, and just enjoy the view… perhaps with a glass of wine, and the guarantee of a sunset!
When you factor in all these things it makes you realise having all those toilets really doesn’t matter after all…!
The Property Protection Trust Will package is based around how you hold the ownership of your home. All good estate planning nowadays considers the difference between owning your home as joint tenants or as tenants in common.
If you own your home as Joint Tenants; when one of you dies the ownership of the home passes by the Law of Survivorship and not by your Will. Therefore, the surviving partner will automatically own 100% of the property. This sounds right to most people. BUT should the surviving partner need care in the future, the Local Authority can take everything they own (including their home) to pay for the care fees, leaving just £14,250 to be inherited by children and grandchildren.
Nowadays many couples choose to own their home as Tenants in Common where each partner will own 50% of the family home. This provides for many benefits.
Firstly, it allows you to legally leave your share of the property in your Will to whoever you wish. A properly written Will can ensure that your half of your house will eventually pass to your children even if your widow re-marries.
Unmarried cohabiting couples or relatives living together can also use this means of ownership as a way of minimising their Inheritance Tax exposure.
It can also help with long-term care costs. If one of you is still living in your home the Local Authority can’t include its value in the means test if one of you has to go in to long-term care. This also applies if the husband or wife still living at home dies while the other is in care as their share will go into the trust.
Dorset and Wight are your local experts in Property Protection Trust Wills.
To advertise in this magazine, call 01425 485194
Wow, what a summer we have had. We did not go away as we now live near the sea and absolutely love it. “Wafflicious”, our new icecream parlour on the Esplanade in Weymouth has been a delight to work in. We have met so many wonderful people and brought smiles to many. Daichi is very happy with his beach life.
One aspect of British summer life we have all missed in the last couple of years has been the summer fayres. How delighted we have been that so many came back this year. There are such a lot to choose from… The Dorset Show, The Romsey Show, which our dear late Queen loved so much, The Great Dorset Steam Fair, The Shaftesbury Show and the Bournemouth Air Festival to name but a very few. Then there are the food festivals which celebrate all that is local. Produce that is locally grown, or produced from the British Isles, and sometimes food from our friendly neighbours abroad too. Hayden and
myself took some time out to go the “SeaFeast - Dorset Seafood Festival” situated in Weymouth next to the Pavilion. We have never been to this one before, but we both love seafood, so it seemed like a good idea. The atmosphere was great. The weather was good, despite rain earlier which is always a relief for these shows and makes all the difference. There must have been well over sixty food stalls from crab and squid to paella and crepes. What an array of ‘cute vans’, sturdy vans and tents all circling in an arena style setting.
Something I feel we could do more of is buy local produce and shop locally. The stalls at this show definitely deserve our support. “Riverford” with their 100% organic fresh vegetables supplying fresh fruit and veg to our doorsteps weekly would love to hear from us I am sure. There are of course other farms that would supply such good, wholesome food
call 01425
that we could benefit from. We just need to pick up the phone and give them a call or go and visit to see what they can do for us. I used to get such a box on a weekly basis until we moved, so that is something I am going to look into again. Dorset crab was also on the menu. Many areas have a local fishmonger and I for one certainly could buy more from them. Supporting local fishermen will help keep their livelihood and also provides us with good food that is really healthy. When did we last buy good old English fish and chips from the local ‘chippy’? By the beach fish and chips are a must, but how about in the winter to keep the business going? There were other stalls too of Moules Mariniere, which I absolutely love, but that must be the French teacher in me speaking! Oh, that could bring back some good memories…. But let’s not go there. Much closer to home there was a pretty looking van which I think we have all come to recognise now, and that is “Dorset Tea”. We serve Dorset Tea at Wafflicious and I must say that the peppermint one is particularly tasty… but nothing beats a good-old cup of ‘normal’ British tea! I am sure
Queen Elizabeth II would have agreed, especially with her marmalade sandwich. Portland Pizzas was also available, Suzettes fresh pancakes, a crepe stand and there were even cookery workshops for the kids. With kitchen demonstrations, local beer, cider and wine there was plenty to occupy us for a few hours. This show raises funds for The Fishermen’s Mission which is a charity providing emergency support, practical, financial, spiritual and emotional care to all fishermen, active and retired as well as their families. These shows also do a lot of good for people in need which is another great reason to go and have a good day out while helping a just cause. We left well fed and all smiles having seen all the different catering vans. We are ‘secretly’ looking for one to join Daichi and promote Wafflicious. You never know… you may see us next year having a stall of our own. It looks like hard work but a lot of fun. In the meantime, do shop locally and support your local food stalls. We need them and they need us. Daichi is looking forward to lots more summer shows next year!
By Debbie CorneyHe’s the UK’s leading money saving expert - a journalist and presenter who has kept millions of pounds in people’s pockets as well as lifting the lid on the threats and dangers we need to be aware of as consumers.
In this month’s column, Martin Lewis looks at whether it’s possible to still be green at times of real economic restraint.
None of us need reminding how tough this year has been, and while we’re all looking for the green shoots of recovery, that greenness has become another sticking point of late, with environmental campaigners looking to keep their own eco priorities live and real.
As consumers, we’re all pretty aware that products and services that are more organic, or better ethically sourced, or that contain a strong environmental edge, are typically more expensive, so that leads us to a potential conflict of choice – do we look after our planet, or do we prioritise the money in our pockets?
The answer – from research I have been doing on part of
my website, and a collection of other polls that pool data on this subject – is very much that green issues take a massive backseat when our backs are against the wall.
Now that’s not to say I don’t have a green conscience, or the average Joe in the street doesn’t work hard to preserve the planet, but the absolute truth is that in the vast, vast majority of cases – both at times of struggle and even when things are less chaotic – individuals are not willing to make big sacrifices.
What I think is important though is that, in future, it would be nice if people are being incentivised to go green, and doing so means we are given all the support we expect from government. We expect tax cuts on fuel and a decrease in oil price
to be reflected at the pump; we expect utility providers to play by the rules with clear billing and fair price schemes; we expect home insulation initiatives to really add up in the short-term, not 25 years down the line; and we expect new customer incentives to be accompanied by rewards for existing ones.
What’s more, the days of us feeling guilt-tripped into buying a green product over one that isn’t, are probably and hopefully over. Of course, we all want to get back to a place of economic and environmental prosperity, and I’m sure that will come, but our conscience to feed our families has been proven, time and again, to be stronger than anything else.
He’s a brilliant presenter, accomplished gardener, talented novelist and allround horticultural inspiration. This month, Alan Titchmarsh discusses the changing seasons, and why he ventures out into his garden in any weather.
I’ve been talking to a number of people over these summer months and it’s always a pleasure. Naturally, it feels like the part of the year where we all come out and celebrate what it is to have a space that is all ours – we all share in the successes and, okay, some of the failures too!
Yet what’s interesting is the fact the longer the summer goes on, the more the chat seems to evolve. There is an unspoken devil in the air, and it goes by the name of winter, where gardeners all across the UK dread not just the hibernation of some of the creatures in their garden, but their own removal or withdrawal from service as
the skies grow darker and rain threatens.
Of course, I can see why so many of us sink
into this mindset of what is effectively a subconscious filling of time before things start to pick up again in early spring. Though as I have said on many occasions, there are still so many plants that flourish across the winter months that we can take real pleasure from, so I would be firm in encouraging people to look at winter as a lot more than just a time when we feel like stepping off the gardening carousel.
Certainly, my routine in those quieter months never changes. Whether rain, hail, sleet or snow, I will always potter around the garden. Okay, so in the winter months it’s a
lot more difficult to sit still in a garden anyway, but just getting out there, soaking up the air and feeling the natural goodness around you, is really inspiring.
I get mucky every day when I’m at home, and if I’ve got a day of work or filming that will take me away from the house, I’ll always make sure I step out and spend some peaceful time alone before I leave – it sort of sets me up for the day.
Ultimately, what it’s all about is being out there, and believing you are making a difference. I’ve always thought however tiny a patch of ground you have, if you look after it well when you shuffle off your mortal coil you’ve paid your rent for your life on Earth.
To leave that space just a little bit better than how it was previously is a very special thing, and no wintry rainstorm should stop us from wanting to achieve that!
One of our favourite and most inspirational chefs goes back to basics with a treat that appeals to adults and kids in equal measure.
You’d think this was designed to keep the children happy, and while that’s okay with me, it is the adults who seem to find this baked treat particularly irresistible.
If I can find a tub of edible disco glitter in one of my cupboards, I sprinkle some on while the marshmallow is still sticky, but it has a certain pearly, luminescent appeal as it is.
It’s also beautiful cut into squares. Alternatively, you could turn this into more of a pickable pud, by cutting the slab into teeny-tiny squares so that people can pop one straight into their mouth.
- 45g butter
- 300g mini marshmallows
- 180g rice krispies
- edible glitter or sprinkles (optional)
1. Melt the butter in a large, heavy-based saucepan over a low heat.
2. Add the marshmallows and cook gently until they are completely melted and blended, stirring constantly.
3. Take the pan off the heat and immediately add the cereal, mixing lightly until well coated.
4. Press the mixture into a greased 32cmx23cm tin /13x9”
pan; you may have to put on vinyl CSI gloves and press it down into the corners, as it will be very sticky. Flatten the top and then scatter over the edible glitter or sprinkles, if so inclined.
5. Let the marshmallow crispy squares cool completely in the tin and then cut them into 24 squares.
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