Verwood Roundabout - November 2022

Dear Residents,

We are very excited about our new project to be as eco-friendly as possible. The new paper we are using is definitely a step in that direction. We also have lots of articles this month that align with our view of helping the planet ‘one page at a time’. If you have any ideas locally, or know of a business that is doing all it can to stay environmentally safe, please let them know of us, as we can help spread the word. Let’s keep our planet clean and healthy.

This is in fact the November issue and I for one am so surprised how the time is flying by! I wonder if that is to do with my age? Quite likely! Are you in the Christmas spirit yet? … I cannot say I am as I write this, but that could change at any moment. Maybe a spot of Christmas shopping will do it? Well, it is a good excuse anyway. Stephen and I did manage a few days away last month and you can read all about it inside. It is good to take some time out that is for sure. We do wish you a very happy November and hope you have good plans to spend time with family and friends for the holiday season coming up. Oh yes and please use the advertisers inside to help with anything you need. As ever, if you have any data to pass on to me, I am happy to talk or receive an email.

Wishing you all the very best, Debbie, Stephen & Daichi

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The waiting is almost over for the biggest festival of football to begin as the FIFA World Cup breaks new ground with its foray into the Middle East. Qatar is set to host what will be the 22nd edition of the sport’s most famous event, as a planet of football fanatics hold their breath.

This winter, hosts Qatar will kick-off the World Cup in the Al Bayt Stadium on Friday 20th November against Ecuador, hoping not to join South Africa as the only host nation not to advance from their group. Senegal and Netherlands complete Group A.

Group B sees England and Wales, alongside USA and Iran; while Group C contains twotime winners Argentina, as well as Saudi Arabia, Mexico and Poland.

In Group D, it’s defending world champions France paired with Australia, Denmark and Tunisia.

The might of Spain and Germany will clash in Group E, with Japan and Costa Rica seemingly fighting for third place.

Former World number one ranked Belgium are in with

The Teams, The Groups, The Venues, The Coverage show

2018 runners-up Croatia, as Canada and Morocco sit alongside, in Group F.

Record five-time winners Brazil play Serbia, Switzerland and Cameroon in Group G, whilst the first-round stage is completed by Portugal, Ghana, Uruguay and South Korea in a tough looking Group H.

The 64 tournament matches will be played over 28 days and in eight different venues, as the sides battle it out to face off in the World Cup final, to be held at the Lusail Iconic Stadium, which is about 20km from the capital of Doha.

In the UK, free-toair channels BBC and ITV share the rights to screen every single match, and both will show the final in full. Globally, the viewing figures

for Russia 2018 were record-breaking, as over half of the world watched at least one minute of coverage. With the Middle East only a few hours ahead of the UK, the majority of matches will kick off in daytime hours. After Qatar’s opener on the Friday evening, there will be four matches a day throughout the group stage from 11am to 8pm start times (GMT).

There will no break between the group and knockout stages. The first hiatus in action will come in the days before the quarter-finals on Friday 9th and Saturday 10th; the semifinals take place on the 13th and 14th, and the third-place playoff is on Saturday 17th December.

The showpiece final, and the crowning of the Qatar 2022 World Cup winners, kicks off at 3pm on Sunday 18th December.

Hold onto your hats –it’s going to be quite a ride!

We all know that we need to do our bit to help save our planet, whether that might be changing our diet, reducing electricity usage or using eco-friendly alternatives. Products that are ecofriendly are products that do not harm to the environment.

Eco-friendly products are usually turned down by buyers because of their higher costs. Making a product for pro ts with no care for the environment allows large corporate companies to sell their products at a cheaper price while creating all kinds of damage to our planet. However, many of the cheaper products we buy from corporate businesses are designed to be less sustainable and durable, making us purchase them again and again. Eco-friendly products although pricier initially do not just help our planet but also tend to be more durable. is means that, in the long-term, choosing a more sustainable product can save you money.

Debbie Goes Green: Project Planet

In contribution to save our planet and give consumers an environmentally friendly alternative to household items, toiletries and many more, Debbie Goes Green began in 2019 designed to help local people nd better, and trusted eco-friendly products. Buying eco-friendly products is also safer for you as a consumer, other products are usually made with harmful chemicals. Bigger corporate companies usually use manufactures that use pesticides for cheaper costs, these chemicals can have a bad a ection your health. Eco-friendly products are made organically and manufacturers rarely use harmful chemicals. Debbie Goes Green is a business that makes it easy for you to nd eco-friendly products without having to spend hours researching and spending a fortune. e products on the website are all against animal testing. Use sustainable alternatives and help save our planet. To nd out more, take a look at the website at: debbiegoesgreen.uk Or email: hello@debbiegoesgreen.uk

By Amelia Hartley-Baker

Caring for the Elderly in care homes that promote dignity, privacy, independence and choice.

Denewood

Highgrove

Game for a laugh?

How luck and laughter have kept comedian, novelist and actress Jenny Eclair at the top of her game as she soars into her seventh decade.

You’ll often hear pop stars, entertainers and comedians complaining about life on the road – the travelling, the hotels, the constant and aching repetition of each live show… but not Jenny Eclair.

The husky-voiced fashionfervent 62-year-old doesn’t buy into all that. To her, touring is a chance to meet new people and see new sights – in many respects, it’s a holiday… even if she can’t pinpoint on a map where her destinations are...

“The more I tour, the more grateful I am to be doing this,” she begins. “I do realise how lucky I am, to have people still turning up. That’s pretty special

for me, because there’s a lot of competition out there and it’s quite tough.

“It’s easy to moan about this and that, but you come to realise this is actually a dream job. I get to show off for 90 minutes on a nightly basis. That’s not bad!

“And I love the travelling,” she continues. “There are the places you know, and they are ones that you look forward to. Then there are the surprises: Aberdeen, so friendly; Fowey, in Cornwall, beautiful; and Telford… fantastic! On any normal day you’d think ‘Where the hell is Telford?! Well, I know now!

“The mentality is, ‘I might never be able to come to this place again, so why not do that river trip, why not have that cheesecake?!’ It’s just taking advantage of where you are more than just laying in a hotel room worrying about the gig.”

That Jenny views touring as a holiday

means audiences get the very best out of a comedian who is, ironically, most notably recognised for her sour-spoken rantings on Grumpy Old Women, Loose Women and more.

Her 2022 tour, entitled Sixty! (Ffs!) should have happened two years ago, but Covid saw to its delay. The sentiments are, however, all the same, even now she has ascended to the ripe old age of, well, 62.

“Stand-up is an interesting concept in itself. You’re never totally in control – making people laugh can be tough, after all, but when it goes well it’s like getting into a big bath every night – it’s comforting and it’s comfortable.

“Ultimately, I love feelgood comedy – for me, it’s about performing to women of a certain age… an audience who are experiencing a lot of similar things; but good comedy should be about anything that makes us smile. I think we all need a dose of that right now!”

A Design for Life… e Kevin McCloud Column

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 returns to the subject of truly making our home into a home.

It’s becoming more and more difficult to get on the property ladder. We are living through an incredible ‘cost of living’ crisis, and that throws the whole housing market into disarray. Should people buy now in fear of things getting even worse? Should they look to rent and wait for things to calm down? Or perhaps if the bubble is going to burst, should they sell up, keep their money to one side and buy something when the property sector crashes?

Through all the worry and uncertainty there is always the

factor of making wherever we do live as happily and as homely as possible.

I feel that sometimes we are so keen to move, so keen to head on to the next place, that we lose sight of the day-to-day joy, satisfaction, security and homeliness of our spaces, and really these things are worth more than any amount of money in the bank.

I have always thought that, right back to the first house I ever bought - an old two up, two down in East Dulwich in London. It was small and not worth a lot, but it meant and still does mean an awful lot to me. It was where I started out, and I look back with huge fondness.

So this is why, when we have so much worry and concern

over the way the market is going – and let’s be honest, for several years now it’s only been going in one direction – we can sometimes lose sight of the contentment and happiness that a property brings us. Perhaps it’s the garden, or the cellar, or just the hour or two you get to sit in the front room and relax on an evening.

My point is we are always trying to move on and aspire to the next thing, when in reality so much of what we should do is about sitting still, looking around, being in the moment and saying to ourselves, ‘you know, this is okay – in this moment, I am happy’.

Make the most of your home’s best features, because adding value isn’t always about money and it never has been. Wherever you find yourself, just enjoy your time there.

A Potted History of the World Cup

As Qatar prepare to host the 22nd edition of the World Cup, we look back on the heroes of the past the organisers are excited to emulate.

The first World Cup stretches all the way back to 1930, where the inaugural hosts also turned out to be the winners as Uruguay came back from 2-1 down against Argentina in the Montevideo final (the only city to be used in the competition), to prevail 4-2.

La Celeste (The Sky Blues) have reached one other final, in 1950, where they were also victorious, beating Brazil 2-1 on their own patch, in Rio de Janeiro. However, the runners-up there were, in time, to embark on a successful run of their own.

Italy, albeit amid some controversy, would win backto-back Jules Rimet Trophies in 1934 and 1938, keeping that trophy for a further 12 years, due to the outbreak of the Second World War, before the aforementioned 1950 edition.

Arguably, the best side never to have won the World Cup may have been Hungary, who went 49 matches unbeaten between 1950 and 1956, yet their 3-2 defeat by West Germany in the Bern final in 1954 is their best tournament performance.

As for Brazil, it was the discovery of a certain 17year-old named Edson Arantes do Nascimento – otherwise known as Pele – that would inspire them to three wins in four tournaments (1958, 1962, 1970), with England, in 1966 of course, breaking the sequence.

Back to West Germany and they would win on home soil in 1974, beating the great Netherlands side of Johan Cruyff and Johan Neeskens. Argentina would repeat the trick as hosts in Buenos Aires four years later, and the Germans again succumbed when Italy got themselves back

on the winners’ rostrum in Spain in 1982. Finally, a Diego Maradona-inspired Argentina won their second title at Mexico 86.

West Germany gained revenge at Italia 90, before Brazil reached three finals in a row winning on penalties against Italy in the USA (1994), losing to the hosts in France (1998) and regaining the trophy in South Korea and Japan, against a reformed Germany in 2002.

Penalties would again be needed to give Italy their fourth success, against France in Germany 2006, while Spain’s golden generation recorded a debut victory in South Africa 2010 (either side of two European Championships wins).

Germany destroyed a sorry Brazil 7-1 in the semi-final of their second time as hosts, on the way to also denying Lionel Messi and Argentina in 2014, before France beat Croatia 4-2 (which is the most popular final score) in Russia 2018.

Understanding Investments: Inheritance Tax Mitigation at the right time

The first step to effective Inheritance Tax (IHT) mitigation is to know how much money you need for your own lifetime. Once you have identified this, you will understand what is surplus to your own needs and have more confidence to act and take action.

In addition, the time when family members need the most financial help often isn’t in their 60’s (assuming their parents live to their average life expectancy of mid-80s) but is earlier when they are raising families of their own, paying a mortgage or saving for their own retirement.

I have met many people over the years who know they need to do something to reduce the value of their estate as they don’t want to pay a high IHT bill, but they fail to act in good time. It wasn’t because they weren’t aware of IHT (often they had been thinking about what to do for years), but they simply failed to have the confidence to act!

We are also in the midst of a challenging period in which the cost of living is increasing for everyone, which is especially challenging for those with young families and mortgages. Whilst high inflation will be tackled and brought down at some point, it appears clear that the central banks will achieve their goal of “normalising” interest rates. The days of interest rates of under 1% are most likely gone for a generation. So how can a family unit (grandparents, parents and children) make best use of their inter-generational wealth?

1. What do you need? We run cash-flow projections (including inflation assumptions), based on your regular expenditure, predicted ad-hoc expenditure and later life planning needs such as care fees.

2. Identify surplus capital or income. The cash-flow projections help identify whether you have more capital or income that you are likely to need. We quantify what is surplus and consider the most effective way to pass this down to your family and reduce your future IHT liability.

3. Utilise annual gift exemptions. Usually you need to live for a further 7 years from the date of any gifts but there are currently several exemptions which result in immediate removal from the estate. Each donor can gift £3,000 per annum which is

immediately exempt from IHT. If there is surplus income, this is also exempt if gifted regularly.

Howard Goodship

4. Potentially Exempt Transfers (PET). You are able to gift capital to other individuals without any immediate tax implications. Assuming you survive 7 years that capital is deemed to be outside of your estate for IHT purposes.

How can all of this fit together for a family unit? Clearly every client and family is different so a bespoke solution is needed which may include Trusts. But to give a simplistic example; if it’s identified that a grandparent has liquid capital of £250,000 that is both surplus to their own needs and would be liable to IHT on their demise, then the capital sum received by their beneficiaries would be reduced by 40% (£100,000).

In addition if that money was held in cash during the grandparent’s lifetime, they may earn anything between 0.1% and 3% depending on how active they are in searching out the best available interest rate. Perhaps their adult children have a mortgage on which they are paying a higher level of interest? By gifting the capital, the money can work harder during their lifetime for the family by reducing mortgage interest and potentially save a significant level of future inheritance tax.

Clearly this is overly simplistic, but in our experience there are many opportunities for families to make better use of their combined wealth. My colleague Stewart Sims-Handcock and I are available for a free initial, no obligation chat to discuss your personal requirements.

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.

The Greenest Countries on Earth

The top eight countries doing their bit for the planet.

While environmental groups and politicians may make us believe we, here in the UK, are the scourge of the planet’s health, recent research by Oxford University has shown us to be one of the greenest countries on Earth.

Of course, more can always be done, always, but in the meantime, here are the planet’s top eight eco-conscious countries.

1. Switzerland

The most environmentally friendly and greenest country in the world, Switzerland, achieves its status in the way it has led on hydroelectric power, solar energy, wind turbines and geothermal.

2. France

In their 2019 Energy and Climate Act, France gave themselves an ambitious aim of net zero emissions by 2050. In addition, they made it illegal for supermarkets to discard good quality, unsold produce, and they score particularly well on low air pollution as well.

3. Denmark

With half of the electricity on Danish shores provided by solar and wind power and a very efficient policy on greenhouse gas emissions (GHG), Denmark’s rating is boosted by extremely good air quality and rich biodiversity.

4. Malta

Biodiversity is also a big win for Malta, while water is as clean in the country as anywhere on the planet, due to excellent sanitation and resources. The country is also helped by great agritourism - local people hosting in rural areas.

5. Sweden

Another Scandinavian country on the list, Sweden has low CO2 emissions, and their utilisation of renewable energy sources mean they aim to be running at 100% sustainability by 2045.

6. United Kingdom

The UK ranks extremely highly on the purity of drinking water and general sanitation levels.

In addition, while our countryside is revered the world over, our eco rating is boosted mostly by the 9,000 wind turbines scattered around the coastline, which allow for clean and sustainable energy.

7. Luxembourg

In 2005, the diminutive country set itself a target of lowering GHG emissions by more than half by 2030, with a goal of net zero by 2050. Scoring high for water and biodiversity and habitat, Luxembourg is succeeding.

8. Austria

With 40% of the country’s money set aside for green projects and 19% of agricultural land now organically farmed, Austria is doing well in the environmental stakes. In fact, that latter figure puts them top of the EU charts.

Leading countries from other continents

Oceania

New Zealand, 17th Asia

Japan, 20th North America Canada, 25th South America Trinidad and Tobago, 35th Africa

Morocco, 54th

Green ngers… the Alan Titchmarsh column

He’s a brilliant presenter, accomplished gardener, talented novelist, and allround horticultural inspiration. This month, Alan Titchmarsh discusses the next generation of green-fingered gardeners.

You’ll find me talking quite a bit about the new breed of gardener coming through. For me, it’s a natural evolution that presents to me two different things – firstly, the art of gardening is much more interesting and much cooler than it ever was in my day; and secondly, it seems as though I am becoming more and more aware of my own mortality!

Percy Thrower was the one who inspired me most when I was a kid. I watched him on Gardening Club on the box, and as the years have gone by, I have been lucky enough to work with a number of the horticultural greats. Christopher Lloyd was a friend, Beth Chatto is a friend who I really value

and whose work I really admire.

After a while you realise you have progressed from the student to the teacher, and I’ve always been very proud

We need to show people that it isn’t difficult or boring, that is it is exciting, and that most of it is just common sense.

to be that person. Ultimately, I want to inspire everybody to get into the garden, because I think there are so many benefits.

When I am presenting, I never have a set section of society or type of person in mind. I guess, in a way, I am presenting to myself - I want anybody and everybody to start thinking about getting into the garden.

And I do admit, the likes of James Swift, James Wong, Annemarie Powell, Katie Rushworth and Frances Tophill all have a knack of conversing to young audiences that I probably don’t have… and that’s great.

I

We have to keep evolving what we say and who we want to position it to, because as I have said before there are so many other distractions for young people these days.

I want to see our gardens and our outside spaces continue to flourish over the decades to come, despite the noise and appeal of doing other things elsewhere; and you know what, I’m sure they will.

“It’s a scam, you will lose your home, you will get ripped off!”

Yes, I have heard all of these comments when discussing Equity Release, and many ‘armchair experts’ tell my clients “don’t do it”!

‘Equity Release’ is a generic term for people who wish to release funds from the Equity/ value in their property and this can be done by various methods such as, a remortgage, a capital & interest or interest only mortgage, a Retirement Interest Only mortgage, a Later life mortgage, a home reversion scheme or a lifetime mortgage. A truly ‘Unbiased’ independent broker will research all the options and advise you on the most suitable to match your requirement,

Yes, in the 1980’s these ‘Equity Release’ schemes caused difficulties, when it was assumed that property values would rise each year and that property price inflation would consistently be higher than mortgage interest rates. In the 1980s thousands of retired people were encouraged to take out variable rate mortgages and put their money into stock market-related investment bonds. The income from these bonds was expected to be sufficient to pay the interest on the mortgage and provide additional income. But the market produced poor returns on the bonds as recession arrived, and at the same time interest rates rose and property values fell.

Equity Release type mortgages were relaunched in 2007 and a new rules and regulations were brought into force by the Financial Services Authority (FSA) now the Financial Conduct Authority (FCA). Since then any Adviser who gives advice on ‘Equity Release’ type mortgages must be qualified and hold 2 important qualifications. They are the qualifications CeMAP and CeRER.

CeMAP – Chartered Institute of Bankers Certificate in Mortgage Advice and Practice.

CeRER – Independent School of Finance Certificate in Regulated Equity Release and Home Reversion Schemes

All Equity Release Plans have to follow the

standards set by the Equity Release Council.

Firstly the NO Negative Equity Guarantee, this means that you CANNOT owe more in capital and interest than your home is worth. You can stay in your home until the last survivor passes on or moves into long-term care and no debt is carried forward to your family.

You MUST receive Independent Legal Advice, this is at the end of the application process when you receive your copy of the Offer, the solicitor will discuss with you the details of the offer and ensure you are under no pressure from anyone and ensure that you understand the fees, charges and features of the mortgage, It is vital to use a solicitor who understands ‘Equity Release ‘as many do not. We can recommend Solicitors that do.

So why are we seeing a major increase in the arrangement of ‘Equity Release’ schemes?

With interest rates at an all time low, returns on savings and investments are very poor and people who are retiring are finding that their pension schemes are not going to give them the income they were hoping for! Add to those the Covid 19 issue such as furlough, redundancies and early retirement. YET the one thing that has increased in value will be their home. Hence the saying ‘Property Rich, Cash Poor’ so why struggle financially when you may be sitting on hundreds of thousands of pounds in property value.

So what is an Equity Release Lifetime mortgage?

It is simply a mortgage, which you do NOT have to make repayments on. The Interest is added to the mortgage amount and when the

Bob Ducker

last surviving owner of the home ‘passes on’ then the executor/beneficiaries have up to 12 months to sell the property at full market value. The mortgage and interest is then repaid. You can repay interest if you wish, either as a fixed monthly interest only repayment or opt for a plan where you can repay lump sums per annum on an ad hoc basis.

Equity release lifetime mortgages are based on your age/s, the value of your home and whether your home is Freehold or Leasehold. You can also get enhanced release amounts if you suffer from ill health.

Equity Release mortgage Interest is on a fixed for life basis. The funds released can be taken as a Lump Sum Only or a Lump sum with a Cash Reserve Drawdown account, which works like an overdraft facility, you have access to the reserve and can take amounts from that facility at any time different lenders have different minimum amounts.

There are NO restrictions on what you spend the release funds on, holidays, cars, home improvements, debt consolidation, helping family, redeeming existing mortgages.

The Equity Release Lifetime Mortgage is very flexible and offers the opportunity to transfer the equity to a new property, you can downsize, repay all or part of the mortgage and also release more funds later on as both you and your property get older!

Another important issue is that some people believe that by releasing Equity that the compound interest that ‘Rolls up’ will erode all the remaining Equity in your home. I always complete a Property Growth Projection Versus the Interest Roll up so that my clients can see that this is NOT the case. You need to be very aware of fees. There are fees with any Equity Release product.

Valuation Fee, as I am an Elite member of the Answers in Retirement Club I can usually arrange that my clients receive a FREE valuation.

Lenders arrangement fee, (some lenders charge a fee, usually from £5 to £995 and this can be added to the mortgage)

Legal Fee you can use your own solicitors or we can recommend an Equity Release legal specialist, their role is to redeem any existing mortgage or secured loans, add the new mortgage details on to the Land Registry, arrange funds release, set the completion date and the Independent Legal Advice meeting at your home.

Broker Fee, All Equity Release MUST be arranged through a Qualified ‘Equity Release’ Adviser. Broker fees can vary considerably. For example you will have seen on their TV adverts that Age Solutions and Age Partnership charge 2.25% and Responsible Equity Release £1690. So for example a £100,000 release would mean a broker fee of:

Age Solutions/ Age Partnership = £2250.00, Responsible Equity Release = £1690

Lifetime Mortgage Market = a Fixed fee of £995.00

If you are interested to learn more and see how an Equity Release product may help you, then please contact Bob on 0800 197 8838 or email me at bob@lifetimemortgagemarket.co.uk or visit our website at: www.lifetimemortgagemarket.co.uk

All research and advice at this stage is at NO cost or obligation to you.

Direct Line: 01202 872778

Mobile: 07971 376782

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration.

Lifetime Mortgage Market is a trading style of One Stop 4 Equity Release Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA No 952887

One Stop 4 Equity Release Limited is a registered company in England and Wales, registration No: 13452621. Registered Address: The Stable Yard, Vicarage Road, Stony Stratford, Milton Keynes, Buckinghamshire MK11 1BN.

Money on my mind...the Martin Lewis column

He’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 the current energy crisis, and the fact no real solution appears close.

Our energy sector is in a mess, and there is little doubt about that. For too long we have experienced this continual up and down shift of prices and supply and tari s and everything else that, as consumers, drives us bonkers.

The reality of what we have and what’s going on right now has been brewing for a long time. A perfect storm of situations, from Brexit to covid to the conflict in Russia, e ectively means we are being throttled in our desire to heat and light our homes, ensure water comes through our taps and more.

You may say we have been unlucky to find these factors all colliding in together at one time, yet it is the job of the government – and any sort of decent opposition – to put fail safes in place so that when something

catastrophic result

It’s a disastrous combination and we are

praying for short- and medium-term solutions that will see not just the most vulnerable through the winter, but everyone else besides, because this is a national problem coming at a time of huge inflation and cost of living emergency.

Let’s just go to a basic summary of what we have here – in the UK we’re talking about having privatised energy firms, but we e ectively now have restricted competition and regulated prices in the form of a price cap. You have to ask yourself, what is the benefit of privatisation if you work in that marketplace?

The next price caps – they’re going to be in January and April – will reveal where we go from here.

All I can say right now is energy bills will go down – they will be lower in April than they will be in January, but higher than they are now.

And while we wait for a solution, we will need to ride this out – we have no choice. Yet rest assured the consumer has been sold down the river and the lessons of this will resonate with both current and future governments, as they should.

catastrophic like this happens, the end result isn’t the sort of bewildering increase in bills that really may move a greater quantity of people into poverty than we have ever seen before.

LAWN

THRIVE, NOT

Will it be Jingle Bells or Silent Night?

Hearing well allows you to enjoy and be involved in the special moments that Christmas brings. It’s not too late to improve your hearing before the carols start.

Simon and Heather Cowell are the owners of family run 2County Hearing based in Verwood, Dorset.

“Between us we have over 20 years experience in the hearing care industry and being independent means we can offer hearing solutions from all the world’s leading manufacturers.

Our services include safe, gentle, ear wax removal which has seen a signi cant increase in demand now

that most GP surgeries are no longer able to provide the service.

Our hearing tests are FREE and, in many cases, we can offer a ‘try before you buy’ option on hearing aids. This allows you time to evaluate the bene ts in your own environment before deciding whether the time is right for you to take action on your hearing loss.

In addition to our comfortable consulting room we are happy to provide a home visit service for those who nd travel dif cult.

Whatever your hearing problems are, please get in touch, we will be very happy to help.”

The Adventures of Daichi

The Modern Magazines Camper Van

Sometimes we have to change plans and apparently ‘make do’ with less than we originally wanted. Life is like that, let’s face it. Last month was an example of that, but we had a great time despite the grandiose plans taking a back step. You see it was our 25th Wedding Anniversary at the end of September. The plan had been to go on a cruise, sailing around Alaska, or some exotic location. However, we had moved house less than a year ago and with it came a brand new business, we now call “Wafflicious” on the Esplanade in Weymouth, that we had had no prior experience with at all. Fitting in a cruise both financially and time-wise was just not on this new agenda. So where did we go…? Lyme Regis! There were less whales and no black bears (fortunately you may say) but we had a wonderful time. We chose a hideaway just north of Lyme Regis, set in lush trees with a hot tub and sauna. Perfect. Daichi pootled his way there all smiles, ready for a relaxing getaway. We stopped off at a farm shop for a delightful full English breakfast en route, which is when I really knew we had actually managed to ‘escape’ for a few

The first day... it rained!

days. On arriving in Lyme Regis, one of my other favourite coastal towns here on the Jurassic Coast, the wind was blowing, the rain was pouring and by all accounts this was set in for the whole time we would be there. Oh dear. I just decided that whatever the weather, we would have a good time. Afterall there was a warm sauna awaiting us, and I had a good book with me too!

That all miraculously changed! The next day was glorious. Really. We walked along the front with glistening blue sea, swimmers and people in bathing suits, walking alongside ladies and gents in coats and boots! Only in England could this happen. We had lunch overlooking the bay with Portland in the distance. The Cobb majestically positioned, that famous harbour wall where “Persuasion” by Jane Austen and “The French Lieutenants Woman” were filmed some time ago. That must have been exciting to watch in the making. Walking slowly along the promenade we continued all the way to the “Ammonite Pavement” at Lyme Regis Undercliffs. What a find! There are fossils here that are huge, just lying around

bathing in the sun… and hundreds of them! All along this stretch of the coast you can see ammonites everywhere. It is so impressive. You really can feel the sense of history, a time well before us and envisage colossal dinosaurs towering above you. I loved it. Sitting on a rock lazily gazing out to sea, watching others anticipating their historic finds, seeing that actually the world is not as the press make it all out to be, was very rewarding. The passing of time and how things used to be, somehow has a calming effect I feel. For our younger readers this may not yet be so real. Live life now is also my motto!

That evening we had to try the jacuzzi of course and watch the thousands of stars above us. Incredible. Just on a practical note, as I have shivered at the thought of these Jacuzzis in Iceland and very cold climates, but they really are very warm, and keep you warm! It was delightful. The stars were utterly inspiring that evening and this turned out to be another thought-provoking occasion. Now, I was wondering who else was ‘out there’, how far is it really to these twinkling stars, planets and ‘other places’? The distance is remarkable and somehow (once again) made me realize that whatever we have going on, there is always a much bigger picture, a much

Well deserved cup of tea at River Cottage

bigger meaning. Amazingly both Stephen and I saw a shooting star! It was all very magical, sitting in a hot tub in October surrounded by trees. It absolutely made up for a lack of cruise and an apparently more luxurious destination. Life is what we make it.

River Cottage, the now famous Farmhouse with cookery and chef’s courses, was also on the menu. Their headquarters was literally a walk through the woods, some 20 minutes away. We strolled through the undergrowth and had a wonderful cup of tea and cake looking over the rolling English Countryside. Another totally unexpected and unpredicted beautiful day!

So, despite the apparent ‘loss’ of a romantic cruise, Stephen and I had the most relaxing and inspiring time. This was all of course on our doorstep. Daichi with his big white grin and skipping steps was able to take us. No airport delays or worries of luggage, just a good old English getaway, with a few extra trimmings. We hope you are making the most of the beautiful country we live in. It is never very far to the coast, or the countryside to get some space and recharge those batteries. Where will Daichi take us next… I wonder?

By Debbie Corney

The jacuzzi and sauna in the garden

the heart of the Ashley Heath community

Increasing numbers of homeowners are choosing to hold their properties as tenants in common to reduce inheritance tax and help protect their share from care fees

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.

There is an alternative.

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.

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