Ripon & Masham InFocus Autumn 2012

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Autumn 2012

Supporting Rural Business

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inside Ripon & Masham InFocus

Autumn

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07 08 07 advertorial 08 local news 10 new business feature 14 advertorial 16 out & about 19 local news The Cutting Edge Of Design Masham Sheep Fair 2012

Showcasing several new businesses & services Peace of Mind from The Flat Roof Company Autumn Local Events

Gunpowder Plot 2012

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20 local news 22 garden 24 local news 27 finance 28 infocus 30 infocus

Jennyruth Workshops Update Christmas Garden

Ripon Music & Arts Diary Reach Your Independence Day At Your Fingertips Business Section Advertiser Index

Welcome to the Autumn issue of Ripon & Masham InFocus.

In this issue we look back at Masham Sheep Fair (p8) and introduce several new businesses and services (p10-13) across Ripon and the surrounding areas, including Handpicked Hall in Ripon centre. As Autumn arrives, we provide some fun events for all the family (p16-17). For those of your looking to t: 01609 777401 create your own Christmas decorations, have a look at www.jkanorth.com our hints and ideas (p22-23).

Best wishes,

Christine Campbell | Editor

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Based in Bedale and run by husband and wife team Haydn and Mel Armsby, Holme Design ensures commitment to its customers by continually changing and updating its hand-selected range of fabulous high gloss, painted and natural wood kitchens and individually-designed bathrooms in its stunning Dales showroom.

With more than 30 years of experience and a real passion to make homes look beautiful, the couple personally manage all projects right through from design to installation. It is this expertise, attention to detail and commitment to meeting the exact requirements of each individual customer which has helped Holme Design establish a reputation for quality which is second to none.

The Holme Design showroom is a truly inspirational place to visit, whether you are looking for a traditional-style kitchen to complement a period property or something chic and ultra-modern. With the most advanced appliances on display, beautiful worktops and hi-tech accessories to boot, clients receive the best finish to their room they could wish for.

The showroom also features an extensive range of contemporary bathroom styles. Materials are sourced locally where possible, and the company uses only trusted local tradesmen, electricians and plumbers.

With their friendly and professional approach to dealing with people, coupled with their extensive product

The

KEEPING a close eye on innovations and technological advances in the design industry is what keeps Holme Design at the cutting edge of kitchen and bathroom design – providing clients with the most up-to-date, fresh and bespoke creative solutions for their dream homes.

Cutting Edgeof Design

knowledge, Haydn and Mel have found that much of their work results from recommendations and repeat business.

They are happy to take on any project, large or small, ranging from new-build installations through to the renovation and conversion of old farm buildings.

The couple are closely involved at every stage of the creative process, from the initial consultation through to installation by qualified local tradesmen. Holme Design can offer expert advice and guidance on any project, whether it involves redesigning a single room or undertaking a full-scale renovation.

But what most sets Holme Design apart is the way Haydn and Mel take the time to talk to customers about their specific requirements, and then use their expertise and experience to turn the vision into reality.

Their continuing success is down to being passionate about what they do, innovative, creative and, most importantly, listening carefully to their customers and then working closely with them to create their dream kitchen, bedroom or bathroom. They are renowned for providing customers with a modern, thoroughly professional service. ............................................................................

For more information or to arrange a consultation, call Mel or Haydn on 01677-424669 or visit www. holmedesign.com.

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Masham Sheep Fair 2012 Held over the weekend of 29th & 30th September, Masham Sheep Fair 2012 was a huge success with activities taking place all over Masham.

Although the weather did it’s best to dampen spirits, lively Morris Dancers, interesting stalls and demonstrations ensured visitors enjoyed both days.

See you next year! www.mashamsheepfair.com 8

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T’is The Season...

The nights are drawing in and there’s still plenty to do before winter arrives: congested clumps of perennials can be lifted, divided and replanted; spring bedding and tulips are ready to go in; roses and fruit will require pruning; and food and shelter can be provided for our garden wildlife.

You can place netting over ponds to collect falling leaves and remove pumps and filters over the next few months to avoid damage from freezing. Lawns are ready to be aerated and sand or gravel to be brushed into the gaps to improve drainage. It’s also time to raise the cutting height when mowing. However, on top of all the regular jobs you can start to make plans for some interesting new garden projects.

As growth slows down through autumn we have a chance to step back and work out what went well and what could do with a change. Some new structures can help to create a different feel in your garden. Bare root hedging, specimen trees and architectural perennials, such as Angelica gigas (See photo above), will add height and form to frosty winter

areas. Adding a natural stone fire pit could extend the time you have to enjoy your garden; family can gather and toast marshmallows and bake potatoes in the ashes. Equally, it can create a beautiful focal point. After all, whether your garden is contemporary, natural or simply an aspiration, you can always make it a more relaxing and stylish place to be.

Therefore, if you need any assistance designing, maintaining or creating a space for yourself, family or wildlife then please contact Timothy Campbell Landscapes on 07739 071012 or visit: www.timothycampbelllandscapes. co.uk. Next time we’ll focus on what exciting opportunities spring has to offer.

Happy Gardening!

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New businesses & services come to

Ripon, Masham & surrounding areas this Autumn • P.W.M Platforms

NEW! Commercial Premises • Cloudy 2 Clear

NEW! Business • CDS Tiling

NEW! Business • Oliver’s Pantry - p12

NEW! Takeaway Menu • Simply Furniture - p12

NEW! Business • Handpicked Hall - p13

NEW! Business Are you a new business?

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Increased Support for New Businesses in the Harrogate District Harrogate Borough Council, in partnership with Harrogate College, has agreed to extend the free business advice service at the Enterprise Gateway from one day a week to two.

Launched in December 2011, demand from people wanting to start their own business has been greater than expected, so from October 2012 free business advice will be available two days a week.

Nigel Dakin, the current business adviser will be joined by a second adviser to deliver the service, which is open to: • Anyone who lives in the district • Anyone setting up a business in the district (regardless of residency) • Anyone made redundant from a business in the district, or • Established Harrogate district businesses that are less than three years old.

Councillor Alan Skidmore, the council’s Cabinet Member for Planning, Transport and Economic Development said: “We have decided to increase the

funding provision in order to extend the Enterprise Gateway service because of this high demand. The council’s top priority is a strong local economy. We have recently launched a new strategic economic action plan with two key aims of helping business to grow and job creation. The Enterprise Gateway helps to achieve both of these aims and I urge anyone thinking of starting their own business to visit the experienced and independent business advisors.”

To date the business adviser has supported over 60 people wanting to start up their own businesses, many of whom have already started to trade. The workshop programme is also being extended to cover topics identified by clients of the service.

The skies the limit for PWM! PWM Platforms has been trading for 5 years providing access solutions for local companies, tradesmen and individuals to work at height using specialist lightweight, all terrain access platforms.

Owner Paul Middlemiss tells us more, “We are slightly different from most hire companies in that we do a lot of on site work both direct with customers and assisting tradesmen and are regularly on site operating the platforms. We will work as flexibly as possible to suit people’s requirements.

We are fully insured to assist on site in the form the task requires and where a specific tradesman is needed we can recommend specialists who are competent operators themselves.

We have built up to a wide range of machines that are specifically designed to tackle the needs of all types of sites from large historic buildings and church spires to shopping centre’s and other indoor work. The working range of our platforms is upto 23 metres! Our machines are lightweight with narrow access, all terrain capabilities and they operate on fuel and electric for indoor applications.

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We have recently moved to a commercial unit on the edge of Boroughbridge and with working at height getting harder all the time for companies, we can now offer full training courses for operators of access equipment so they are fully certified to undertake their work safely.

We hope to continue to work as closely and as flexibly as possible with local customers to continue onwards and widen our range of machines and workload.”

For more information please call Paul on: 01423 322922 / 07734 162885

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Tip Top Tiles from CDS Tiling!

CDS Tiling is owned and run by Carl Stevenson of Ripon. With over 15 years experience in property maintenance and building, Carl is well qualified to advise clients and answer any questions they might have.

Based in Ripon, Carl covers all the local market towns and is understandably proud of the service he offers. He prides himself on being able to offer customers a professional yet affordable service on all aspects of floor and wall tiling.

Carl is keen to stress the importance of using quality tiles and having them professionally fitted in your home. “People are often looking for ways to add value to their homes, and kitchens and bathrooms often play a key part in this. Beautiful tiling can drastically improve the

appearance of these rooms, so even if you’re not looking to sell you will be left with stunning rooms for you to enjoy. From my years in the trade I have seen some terrible work that often costs just as much to replace.”

Catering to both domestic and commercial clients, CDS Tiling is an affordable way for you to transform your home or office. Working with a wide variety of tiles including Marble, Travertine and Slate, Carl is sure to be able to make your home are truly individual as you are. ...........................................................................

For more information or a free quote, call Carl Stevenson on: 07834 548126 or email: cdstilingyorkshire@gmail.com

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Fantastic New Retail Space Opens in Ripon!

A handpicked collection of independent, local makers, artists, growers and retailers are now open for business just off the market square in Ripon.

Handpicked Hall opened its doors in early October in the space that was Philip Hall’s Department Store on Fishergate. More than 30 local businesses are bringing their products to the high street for the first time, in a bespoke indoor market place.

The aim of Handpicked Hall is to act as an incubator for new businesses and allow them to grow to a size that they need their own shop space, helping to repopulate Ripon with independent retailers. All 35 stalls are already full and there is a waiting list of businesses wanting space.

Handpicked Hall’s stalls range across four sections; Food and Drink, Arts and Crafts, Fashion and Accessories and Vintage. Stall holders include Sawley Kitchen, which offers homemade treats, Philippa Hall lingerie and Betterdaze vintage records, as well as independent artists such as Adrian Ward and his digital photo art.

As well as providing goods to purchase, from November Handpicked Hall will offer a workshop programme called ‘Make-It.’ Stall holders will share their creative skills alongside as visiting creatives and artists-inresidence. The two ‘Make-It’ workshop spaces on the first floor will run children’s arts and crafts, high-quality creative workshops and craft parties for children’s birthdays, hen parties, baby showers and even office Christmas parties.

The owner of Handpicked Hall, Anthony Blackburn, says, ‘I am thrilled to be giving so many local businesses a chance to trade at an affordable rate in a city centre location. The response has been amazing; there are so many great people out there wanting to give selling on the high street a go. Handpicked Hall gives new businesses an opportunity to reach the general public and have retail space at very affordable prices.’

For more details about Handpicked Hall call: 07426 066672 www.handpickedhall.co.uk hello@handpickedhall.co.uk facebook.com/handpickedhall Twitter @handpickedhall 20 Fishergate, Ripon, HG4 1DX

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Peace of Mind…whatever the weather!

THE worst September rainfall figures for more than 30 years have brought misery and mess to many people.

Incessant rain falling with such ferocity and for long periods of time may have caused damage to your flat roof in your home or business. If you have suffered or are concerned that you may have experienced damage then please give locally operated Flat Roof Company a call on Freephone 0800 212548.

“Over 25 years, we have built up expertise and a reputation for quality work and material,” said director Kevin Moody. “We are here to stay and that gives our customers continuity and peace of mind. They know we will be here to help and deal with any problems in the future. Some companies in this business do a job, offer a 25-year guarantee and then go bust the following year, leaving a worthless warranty. Our 25-year warranty is insurance-backed, so will be honoured no matter what”.

The Flat Roof Company has just reached another major milestone – having fitted more than 35,000 roofs, whether on homes, schools or commercial premises around Yorkshire. This company has succeeded, where others have failed, using topquality materials. Traditional flat roof materials, many laid in narrow strips, have consistently failed to provide the longevity and performance sought by home and property owners. Customers now

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seek low-maintenance “fit and forget” solutions to traditional home maintenance issues and The Flat Roof Company’s solutions are Tuffdek and it’s new complimentary system, Tufflex.

efficient insulating material into its new, or repaired flat roofs, since the Government introduced minimum insulation levels into building regulations.

The appropriately named “warm roof” is a foil-backed insulating board up to ten times more efficient than the fibre-glass quilting normally stuff between joints.

Up to 30% of heat can be lost through a flat roof, but the “warm roof” reduces that loss to under 5%, an obvious saving on heating bills.

Tuffdek is a reinforced polyester laminate laid in situ on your flat or gently-sloping roof, forming a tough, single and totally jointless laminated membrane.

It is fully bonded to a quality plywood decking and is available in a range of colours and finishes.

The effect is that your roof is now effectively totally encapsulated, offering you peace of mind whatever the weather. As there are no joints whatsoever in the laminate, the chances of future leaks are obviously considerably minimized.

The Flat Roof Company has built up such a good reputation in the industry that it has regularly been approached by others wanting to set up. Due to this, the company began operating carefully-trained and regulated franchises and now has a network of 20 around the country. “We are fully licensed by the British Board of Agrements, a watchdog in our industry and similar ones., says Kevin, “We are subject to regular quality checks before relicensing, so we know we are doing things right.”

The Flat Roof Company has taken the industry’s technology even further by introducing a super

For more details on The Flat Roof Company and their services call 0800 212548.

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Out & About this

Autumn 26th October

• Northallerton Silver Band Last Night of the Proms Masham Town Hall: 7.30pm Tickets £6.00 - available from Greensleeves or 01609 777272 or from John Todd at Masham. Proceeds to Northallerton Silver Band & the Air Ambulance Event supported by Barclays PLC of Northallerton ......................................................................................................................

31st October

• Halloween at the Workhouse Ripon Workhouse Museum - 2pm At 3pm a half an hour Victorian Magic Lantern Show - Prepare to be amazed and delighted! 2pm until 4pm Drop in and make a shadow puppet and then tell your own magical stories in our puppet theatre. This event is suitable for children aged 5 - 11 years. 6pm and again at 6.30pm Victorian Magic Lantern show and then the chance to explore the Workhouse by candle light, meeting our shadowy inmates! Remember to bring your torch! Please book for this evening event on 01765690799 Tickets £3.00 Children must be accompanied by an adult and afternoon events are FREE with normal admission ticket ......................................................................................................................

31st October - 2nd November • Shadows of the City

Ripon Workhouse Museum: 2 - 4pm Explore the Workhouse by candlelight and enjoy a magic lantern show and crafts.

Dropin to see our 1/2 hour Magic Lantern Show 2:00 pm - 4:00 pm; Drop in and make a shadow puppet then tell your own story in our puppet theatre (5-11 year olds) All children must be accompanied by an adult. Activities (except evening event) free with normal admission ticket. For further information contact: Wendy Hunwick-Brown Volunteer Coordinator/ Assistant Administrator Ripon Museum Trust: email admin@riponmuseums.co.uk www.riponmuseums.co.uk Tel 01765 690799 ......................................................................................................................

1st November • It’s A Monks Life

Fountains Abbey and Studley Royal: 2pm Join us for a family tour of the abbey. Dress in monks’ robes and learn about their daily life. Suitable for 7s and over. Meet at the Visitor Centre.

Normal admission charges apply www.fountainsabbey.org.uk 01765 608888 ......................................................................................................................

1st - 4th November

• School Holiday Fun - Spiders and Webs Fountains Abbey and Studley Royal: 11am – 3pm Follow the clues on our trail and join in with drop-in craft activities in Swanley Grange. Normal admission charges apply www.fountainsabbey.org.uk ......................................................................................................................

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2nd November • Ripon Bonfire Night 2012

Ripon Race Course: 6pm Gates Open 6pm, Bonfire lit 7pm. Fireworks 7.30pm. This year’s Ripon bonfire will yet again be held at Ripon Racecourse which provides a great venue for the event.

The gates for the Ripon Bonfire Night open at 6pm, with the bonfire being lit at 7pm, and fireworks at 7.30pm. Tickets will be available from Bensons Hardware, Cowies Newsagent, Knowledge Magnet, Lead Lane Store, Craggs Electrical, Bondgate Post Office, Hayes Travel, and the Tourist Information Office.

Advance Tickets costs £5 Adult, £2 child, or £12 for a family ticket of 4. You can also pay on the gate and tickets will cost £6 Adult, £3 Child. Visit www.riponrowelsbonfire.co.uk ......................................................................................................................

15th November - 13th December • Victorian Christmas Season at the Workhouse

Ripon Workhouse Museum: 10.30am – 3pm Visit our stocking filler gift shop and craft display for present ideas. Join a guided tour at 11am or 2pm to see the Workhouse decorated for Christmas. Tours £3.

For further information contact 01765 690799 www.riponmuseums.co.uk ......................................................................................................................

17th November

• Ripon Christmas Lights switch-on Ripon Market Place: 5pm Further details to be announced. ......................................................................................................................

24th November

• Christmas Gift and Food Fair - Ripon Cathedral The Ripon Cathedral Development Campaign is working with The Old Deanery to create an additional twenty new stalls for visitors to enjoy. An opportunity to bring the kids to visit Santa in his grotto, Christmas card making, face painting, mulled wine, turkey sandwiches, tombola, raffle and the famous Christmas cake stall, and much more.

Further details can be found on www.riponcathedral.org.uk or phone Margaret or Lorna on 01765 603583. ......................................................................................................................

24th November - 16th December Christmas at Castle Howard

The magnificent Christmas trees and festive twigs, decked with hundreds of baubles and lights, lead the way through this enchanting family home. After experiencing the magic of the House, relax with delicious homemade festive food in our restaurant and cafés. Enjoy a choice of seasonal soup and sandwiches, a traditional Christmas lunch, or indulgent winter specials to take away. Audiences with Father Christmas must be pre-booked. With all this, plus daily live musical performances from classical to jazz, and choirs to soloists, a visit to Castle Howard will make your family Christmas all the more special. Open daily from 10am – visit www.castlehoward.co.uk for ticket prices and times. ......................................................................................................................

Please note: the editors cannot be held responsible for any changes to events listed.

Please contact event organisers directly. All events correct at time of going to press.

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Jennyruth Workshops

Your local charity in your local community “Jennyruth is a fantastic scheme with dedicated staff who have a ‘can do’ approach, when you visit the scheme the enthusiasm of all the staff, volunteers and workers is inspiring” Customer and supporter of Jennyruth Workshops “At Jennyruth Workshops, adults with learning disabilities gain confidence, independence, life skills, work experience and happiness. It’s a vibrant and challenging workplace where workers from Ripon and surrounding areas are trained on a wide variety of skills. Daniel feels valued, he has a sense of pride in ‘belonging’ to Jennyruth Workshops.” Parent of a worker at Jennyruth.

As well as producing and selling a range of high quality everyday products, their workers are trained in numeracy, literacy, computers and communication skills through a rolling programme of assessment and evaluation.

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Join in and be a part of this dynamic social enterprise • Come and work at JennyruthWorkshops. Jennyruth Workshops are expanding and some people have moved on so they now have opportunities for more people who have a learning disability to join. If you are interested in knowing more about Jennyruth Workshops, don’t hesitate to give Denise or Mark a call on 01765 606620. They will be happy to tell you all about Jennyruth Workshops and show you around!

Jennyruth Workshops offers work preparation and transferable work skills to help people move towards employment and participation in the community.

• Join their board of trustees as Jennyruth Workshops currently have vacancies for 2 trustees. They would like to hear from interested people with any relevant experience but expertise in one or more of the following areas would be especially welcome: marketing and communications; employment law and current best practice; the voluntary sector.

• Buy their products: buy high quality gifts and products for all the family. Buy from their shop on North Street, Ripon or via their online shop at www. jennyruth.co.uk. They have a stall in Handpicked Hall (previously Philip Hall) every Thursday from 10am – 5pm. Also find them at the Harrogate Crafts for Christmas at the Yorkshire Showground 8th – 11th November and at Ripon Cathedral Craft Fair Saturday 24th November.

• Order bespoke handcrafted products from Jennyruth Workshops. They make tailor made products for individuals, community groups and businesses to your specifications. They welcome your orders and are always pleased to discuss your requirements • Come and volunteer in their workshops - Jennyruth Workshops values the important contribution volunteers make. They need volunteers to assist in the many and varied day-to-day activities essential to the continued success of Jennyruth Workshops.

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Forthcoming Events at Ripon Library Tuesday 30th October: 1pm-3pm: Community Drop in Surgery* Thursday 1st Nov – Saturday 3rd Nov – bumper book sale! Books on a variety of subjects will be up for grabs at the library meeting room.

Wednesday 5th December: 11am – 1pm: Community Drop in Surgery* Wednesday 23rd January 2013, 11am – 1pm: Community Drop in Surgery* *Members of the public who have any concerns about their local neighbourhood in Ripon can come along and talk to the officers from North Yorkshire Police and Harrogate Borough Council’s housing team.

Regular sessions: Story times for under 5s –weekly storytimes every Wednesday at 10.30am Age UK advisory session – drop-in sessions every Friday morning – 10-11am IT support sessions – please contact the library to check availability.

For more information please contact Ripon Library on Tel: 0845 034 9524 or via email: Ripon.Library@northyorks.gov.uk

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Christmas Garden The more you can pick from your garden, collect in a wood or harvest from the hedgerow to decorate your house at Christmas the better.

You’ll save yourself a fortune - and, what’s more, it is ultra-fashionable. Craft is all the rage and air (or even road) miles are to be avoided, while foraging for organic material to transform into glamorous decorations is the last word in chic.

But what you don’t want to end up with is a large, dried flower-and-grass arrangement, reminiscent of a pub fireplace in summer. To keep the glamour factor high, the less you mix things up the better. Arrange each seed pod, vegetable, or fruit on its own, in an identical group or in pairs. Avoid having a mix of lots of different things - too itsy-bitsy and lacking in style.

• Garden seed heads Among my favourite garden-harvested Christmas decorations are allium seed heads that have been sprayed crimson or silver. Their structure is complex yet simple: a ray of narrow stems, each ending in a flower and seed head. This combination creates a good silhouette.

The football-sized Allium schubertii are the best. You can store these from one year to the next - the paint makes them less fragile - and there is no better star for the top of your tree.

Also try the slightly smaller varieties, A. cristophii and ‘Purple Sensation’. If your alliums are already shot, go looking for agapanthus to spray. They work just as well.

• Globe artichokes Weighty, chunky globe artichokes are ideal for spray-painting. The paint highlights every wrinkle and ridge and makes them look as if they’ve been cast in silver. You’ll want to pick them up and weigh them in your hand to see if they’re real. If possible, buy your artichokes when they’re still around in the summer and autumn or, better still, pick them from your garden. Cardoon flower buds will work just as well. Both should be harvested before they get too blown apart by wind and rain. It doesn’t matter if they’re going brown - you’ll cover them with spray - but make sure they are not too ragged. Cut them with a length of stem and a leaf or two.

The leaves add a good twist and turn, and provide contrast to the chunky stem. Try to find artichokes or flower buds in different shapes and sizes as this will give your final arrangement more interesting forms and outlines.

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Once picked, leave them somewhere airy and cool (not in a damp shed), so they dry out rather than going mouldy. They can be sprayed after a few days. The best colour for artichokes is definitely silver.

Scatter them over your Christmas table, or along the length of a mantelpiece or window ledge, or arrange them in a large bowl interspersed with brilliant coloured Christmas baubles.

• Silver beans I think Tiffany’s, the jeweller, used to make a solid silver runner-bean paperweight that looked wonderful. But why not create similarly striking Christmas decorations for a fraction of the price? Spraying runner beans with silver paint highlights the bulge of the beans and the lovely curve to the tip of the pod.

Scatter over any flat surface, or thread on to ribbon or wire and stretch across the room as an alternative to paper chains.

• Chinese lantern chains For colour, think of growing and collecting brilliant orange Chinese lanterns to combine with fuchsia-pink spindle berries, picked from the hedgerow. Bright pink and orange are one of my favourite colour combinations and these foraged seed pods work well together threaded in a chain. Segment the Chinese lantern stems so that you have one lantern and a bit of stem in each. Then thread these sections on to a length of reel wire. As the stems are almost hollow, this is easy to do. Leave a gap between each lantern and wire the spindle into these. Then brighten and tidy the whole thing by winding ribbon along the length of the chain.

• Cranberry and quail egg chains The deep rich crimson of cranberry chains is very Christmassy - and they last for more than a week. Aiming right through the middle of the berry, thread the cranberries like beads on to 45cm (18in) lengths of reel wire. Leave a bit of spare wire at each end and then join as many lengths together as you need.

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Ripon Area Music & Arts Diary 5th November

• Leland Chen Violin

Cathedral Concert Society Ripon Cathedral - 7:30pm Accompanied by pianist Jonathan Scott violinist Leland Chen is a welcome visitor to the Concert Society. A protege of Yehudi Menuhin and himself a distinguished teacher, Leland will be playing Beethoven Sonata in D Major Op.12 No.1, Ysaÿe Solo Sonata Op.27 No.1, Wieniawski Scherzo-Tarantelle, Kreisler Syncopation, Elgar Sonata Op.82. Adult: £17, student: £2, six concert series subscription: £80 01765 658971 | www.riponconcerts.co.uk .......................................................................................................................................

10th November

• Literary Lecture: Dr David Starkey Markenfield Hall Markenfield Hall, Ripon - 11am

The historian, radio and television presenter and brilliant lecturer gives his account of a catastrophic event in Yorkshire history, with particular notice of the Fountains suppression which so affected Markenfield.

Adult: £20. Further details: www.markenfield.com .......................................................................................................................................

10th November

• Ripon Choral Society Autumn Concert Ripon Cathedral, Ripon - 7:30pm

Parry: My Soul, There is a Country. Fauré: Requiem. Elgar: Elegy. Vaughan Williams: Dona Nobis Pacem. CHOOSE AND BOOK SEATS ONLINE For ticket information please contact via: 01765 601856 www.riponchoralsociety.org.uk Or in person from Alan’s Gallery, Kirkgate, Ripon. By phone on 01765 601856. .......................................................................................................................................

10th November

• Rossini - Petite Messe Solennelle

Harrogate Choral Society Royal Hall - Harrogate - 7.30pm With Samantha Hay, Soprano; Gaynor Keeble, Contralto; Bonaventura Bottone, Tenor; John Cunningham, Bass Tickets priced from £17 to £24 onsale from the Harrogate Box Office,Tel: 01423 502116 or online at www.harrogatetheatre.co.uk For ticket information please contact via: 01423 530764 www.harrogatechoral.org.uk .......................................................................................................................................

17th November

• North Yorkshire Chorus: Elgar The Dream Of Gerontius Ripon Cathedral - 7:30pm

A joint concert, with the Mowbray Orchestra and John Dunford conducting Mowbray Orchestra Margaret McDonald Philip Sheffield John Cunningham Organ Greg Smith Main Aisle: £16, Reserved; Side Aisles: £14, Unreserved; Under 16: £12 01642 783475 www.northyorkshirechorus.org.uk .......................................................................................................................................

17th November

• Richard Jenkinson (Cello) with Benjamin Frith Richmondshire Subscription Concerts Influence Church (Formerly Zetland Centre), Richmond - 7:30pm

Stravinsky: Suite Italienne (after Pulcinella) Brahms: Sonata No.1 in E minor, Op.38 Schumann: 3 fantasy pieces, Op.73 Rachmaninov: Sonata in G minor, Op.19 This is the second in a series of six concerts promoted by the Richmondshire Subscription Concerts. Single Concert: £12, Adult; Single Concert: £1, Full time student; Season Ticket: £36, for 6 concerts; 01748 822001 www.richmondshireconcerts.co.uk .......................................................................................................................................

1st December

Handel - Messiah

Harrogate Choral Society Royal Hall - Harrogate - 7.30pm With the Manchester Camerata; Sarah Ogden, Soprano; Stephanie Lewis, Mezzo Soprano; Ben Thapa, Tenor; Frederick Long, Bass Tickets priced from £17 to £24 on sale from The Harrogate Box Office, tel 01423 502116 or online at www. harrogatetheatre.co.uk for more information see our website www. harrogatechoral.org.uk

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Independence Day Rather than being about the film this article is about financial planning.

When it comes to financial planning, one of the answers that people often want to know is, when will they have amassed enough wealth (property, pensions, savings and investments and business assets) to be able to retire?

Using cashflow modeling which is basically a year by year income and expenditure account for your household, it’s possible to estimate the point at which you will be financially independent, Independence Day. By planning this, you clearly have a better chance of leading the lifestyle you want than leaving it to chance and ending up “cutting your cloth according to your means”.

The key ingredients to finding your independence day are your current situation (income, outgoings, assets and liabilities). Using these as a start point the cash flow modeling projects into the future to establish the point at which you no longer need to work actively to support your lifestyle. This would allow for any goals which you might have, e.g. education fees, travel plans etc. Clearly the cost of your planned lifestyle is very important and it is worth spending some time understanding what your lifestyle costs you now and how this might change in future.

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Understanding the point at which financial independence is reached, can help you plan the future with confidence. It can also be a reality check but it is an important step in planning for the future. For example, it might be that it’s not possible to support your planned lifestyle if you carried on living in your current home but by allowing for downsizing it becomes possible. This is then an option which you can take into account when making your plans.

The second chart (below) shows that by moving their retirement age to 67, they have sufficient funds to be financially independent. Note that this doesn’t allow for downsizing which would form part of the financial planning discussion.

With this overview, more detailed financial plans can be built which target your personal goals and objectives.

The chart below shows the cash flow for a couple who plan to retire at 60.

Please contact me if this type of financial planning would be of interest.

The red in the chart from age 78 shows that there are insufficient funds from this point to support the cost of living.

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There are thousands of reasons to advertise with us...

Northallerton

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homes & businesses

homes & businesses

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When’s the next issue?

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Full Colour, High Quality Advertising Publications • Royal Mail delivered FREE Index Service • Free Advertisement Design Service

Dist: w/c 21st January ‘13 Copy: 19th December ‘12

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Northallerton

Christine Editor

01609 777401 | 07742 595747 christine@jkanorth.com

Index

Dwight

01609 779097 dwight@jkanorth.com www.jkanorth.com

Kate

01845 523250 07703 809655 kate@jkanorth.com

1/8 Page

1/4 Page

1/2 Page

from only

from only

from only

£65.00!

£105.00!

£180.00!

Design & Print

Food & Drink

Bonhams: p5 Handpicked Hall: p13

Printing.com: p28 Ripon Business Services: p17

Bee Keeping

Education

Kitchings Furniture: p5 Period House Store: p2 Rydenor Paints: p6 Searles Carpets: p1 Simply Furniture: p12 Stairs & More: p6 Treske Furniture: p5 Westwoods Country Store: p17

Art & Antiques

Oilforce: p29

MV Mobility: p8

Dog & Gun: p16 Handpicked Hall: p13 Lamb Inn Rainton: p18 Old Station Yard: p16 Olivers Pantry: p12 The Water Rat: p17 Westwoods Country Store: p17

Builders & Contractors

Electrical Services

Furniture

Ironing

Kitchings Furniture: p5 Period House Store: p2 Simply Furniture: p12 Treske Furniture: p5

Horsefair Ironing Services: p32

Jewellery

Garden Services

Joinery

Agricultural Supply Services: p3

York & Harrogate Area Teachers: p21

Boiler Servicing

Elderly Care

Concrete 4 U: p15 Flat Roof Company: p14 H Hill & Sons: p9 Lightwater Quarries: p28 Ripon Building Services: p26 T & C Builders: p15

ADI Communications: p8 B & P Don: p6 Electrocare: p28 Handy Andy: p28 Visual Systems: p4

Business Services

AJ Fabrications: p9 Farmway: p32 Westwoods Country Store: p17

Evans Self Storage: p24 Printing.com: p28 Ripon Business Services: p17 Sycamore Business Park: p8 Sycamore Storage: p8

Equine

Entertainment

Searles Carpets: p1

Good Company Yorkshire: p16 Gunpowder Plot: p19 Precious Gems: p28 The Water Rat: p17

Cleaning Services

Fashion & Clothing

Carpets & Flooring Cleanup Services: p6 Daily Poppins: p16 OvenU: p30

Children’s Services Paul Stride: p21 Stagecoach: p21 Treasure Island: p21 York & Harrogate Area Teachers: p21

Dentists Clock Tower Dental: p25

Bridal Factory Outlet: p25 Handpicked Hall: p13 Humphrey & Tilly: p2 Westwoods Country Store: p17

Finance & Legal Askham Tax & Accountancy Ltd: p28 Mowatt Financial Planning: p26 NFU Mutual: p1

Firewood Logs To Burn: p23 White Horse Timber: p22

Baldersby Plant Centre: p23 Concrete 4 U: p15 Fencing Paving & Decking: p22 Northallerton Garden Services: p22 T & C Builders: p15 Timothy Campbell Landscapes: p9 Walled Garden: p22 White’s Garden Services: p28

Gifts Handpicked Hall: p13 Kardz: p16 Nickery Nook: p2 Westwoods Country Store: p17

Hire H Hill & Sons: p9 PWM Platforms: p10 SHC Hire Centres: p23 Sycamore Storage: p8

Home & Interiors Dales of Thirsk: p29 Holme Design: p7

Handpicked Hall: p13 Precious Gems: p28 MH Joinery: p9

Kitchen Design Dales of Thirsk: p29 Holme Design: p7 Knaresborough Kitchens: p31

Dist: w/c 4th March ‘13 Copy: 8th Febraury ‘13

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Thirsk & Easingwold Dist: w/c 11th March ‘13 Copy: 15th Febraury ‘13

Property Maintenance AMR Locksmiths: p28 CDS Tiling: p11 Cloudy 2 Clear: p11 Flat Roof Company: p14 Handy Andy: p28 Johnson’s Heating: p15

Road Safety North Yorkshire Road Safety Campaign: p27

Solar Energy Peak Power Systems: p4

Sports & Leisure Treasure Island: p21

Stonemasons HA Green & Sons: p30

Storage

MV Mobility: p8

Evans Self Storage: p24 Sycamore Storage: p8

Oven Cleaning

Taxi

Mobility Assistance OvenU: p30

Painters & Decorators Robert Sowray: p6 Trevor Pickering: p28

Pets & Animals AJ Fabrications: p9 Farmway: p32 Fun Dogs: p16

Plumbing Johnson’s Heating: p15 Stan-Lee Plumbing & Heating: p28

A’n’B Cars: p1 Arrow Taxis: p32

Weddings Bridal Factory Outlet: p25

Windows Abbey Windows: p26 Millennium Windows: p6 Simco Windows: p29

Wrought Iron Skell Wrought Iron: p15

The Index is a free service offered to our customers. No responsibility can be held for errors or omissions.

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