Golden Guide 2017 - Northumberland by Ellen Longhorn

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The

GOLDENguide North East daily living guide for over 50s

NORTHUMBERLAND 2017

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FOR TIPS ON MONEY, HEALTH, CARE, LEISURE AND YOUR HOME

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A wealth of practical information, local contacts and how to get help from the experts!

Plus The

MONEYMAKER Issue

In association with Northumberland County Council, Northumbria Healthcare NHS Foundation Trust, Age UK Northumberland and Infrastructure North

We pride ourselves on providing continuity of care

CARE VISITS AT HOME

Here at Bluebird Care...

Did you know if you currently receive home care services you can use your personal budget to choose your own care provider in Northumberland?*

homecare with a personal touch and aim to be by your side in offering the right kind of care to suit you.

We offer high quality

Making a choice can help select the service that best suits your needs. When choosing always look for good quality services, whose care assistants will listen to your wishes and treat you as an individual, with dignity and respect.

We believe each person is unique with their own preferences and wish to maintain their lifestyle.

We provide personal care, social visits, help with shopping and housework and a little pampering too. Our visits can be short or longer, and may include live-in supportâ&#x20AC;&#x201D;we will always tailor our service to meet your needs. Weâ&#x20AC;&#x2122;re proud to be winning awards for our care.

Find out more about us... Please ring our friendly team on 0191 250 2244 for an informal chat to discuss your options.

See more at

We cover... Ponteland, Darras Hall, Cramlington, Morpeth, Prudhoe, Seaton Delaval, Seaton Sluice, Blyth, Bedlington, Choppington, Pegswood, Newbiggin-by-the-Sea, Ashington, Lynemouth, Ellington, Widdrington. email: northumberlandsouth@bluebirdcare.co.uk www.bluebidcare.co.uk/uk_office/about/northumberland_south www.goldenguide.org.uk

* There are some restrictions. Personal budgets cannot normally be used to pay for a service which charges more than the Council would usually pay. Bluebird Care will always match these rates.

2017

The

GOLDENguide North East daily living guide for over 50s

www.goldenguide.org.uk Hello and welcome to the latest Golden Guide for Northumberland. It’s been a busy year discovering more activities and groups around the county. The word is out that it’s fun—and also healthy to get involved!

Daljit Lally Deputy Chief Executive of Northumberland County Council and Executive Director of Community Services at Northumbria Healthcare NHS Foundation Trust David Ferguson Acting Chief Executive Age UK Northumberland Infrastructure North

It seems more men than ever enjoy using their skills and learning new ones in the various Men’s Shed projects—not forgetting the new Women’s Workshop in Amble. More gardening, music and writing clubs are around and walking has become especially popular for getting out and about, keeping fit and socialising at the same time. There’s a growing interest in community matters too. The Golden Age Forum in Ashington discusses local plans, as well as running lively social events through the year. (More forums on pages 7 and 70) It’s always a priority to give as much health and care information as we can, so we are delighted to welcome new partners Infrastructure North. They offer help to older and vulnerable people at home through their support schemes. (See page 47 - 49). It’s also good to find more events for those with memory problems - coffee mornings, walks, singing and trips out are just some of the activities on offer. This year our special feature is The Moneymaker Issue—a lighthearted look at boosting your income. If it doesn’t inspire you to make money, maybe it will still make you smile! As always, please have a look at our sponsors’ ad pages—they are always packed with extra useful information. If you have feedback or comments, do get in touch at the address overleaf or through the website at www.goldenguide.org.uk Heather Alabaster Editor

Partners & Sponsors PArTnerS And SPonSorS

See also pages 7, 33, 36.

www.adapt-ne.org.uk Blyth Valley Disabled Forum 01670 360927 www.bvdfhomecare.co.uk

See more at www.goldenguide.org.uk

Out & About

Red Cross Transport Support 0191 273 7961 www.redcross.org.uk Transport help for medical appointments and essential daily needs. They need a few days warning, so plan in advance. See page 93 Red Cross equipment loan. Upper Coquetdale Community Transport 07870 577 667 or 01669 621855 Mon—Fri 10.00am—1.30pm only www.ucct.btck.co.uk Friday shopping trips to Rothbury. Watbus Community Transport 01670 522999 www.watbus.org.uk

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North East daily living guide for over 50s

02 HOME & COMMUNITY Running a home as efficiently as possible and helping achieve a safe and welcoming community sometimes needs a little support. Here are some schemes, services and contacts to help things along.

HOME ADAPTATIONS Home Improvement Service, Northumberland County Council 01670 536400 Adult Social Care www.northumberland.gov.uk If you are struggling with accessing your house, bathing or climbing the stairs, adaptations may help. You can hire or buy equipment privately e.g. stairlifts, wheelchair ramp etc, or you may be eligible for partial or full financial help through the Disabled Facilities Grant.

needs by an occupational therapist. This can be helpful even if you intend to pay yourself. Disabled Facilities Grant Adult Social Care can help you access the support and services you need. Contact them for an assessment (as above). For information on help available and grant applications see the Disabled Facilities Grant booklet on the website at www.northumberland.gov. uk/housing/advice See also page 95.

If you are a tenant your landlord may arrange adaptations. In either case you should contact Adult Social Care to arrange an assessment of your

See more at www.goldenguide.org.uk

Home & Community AA0166 Living Easy advert.pdf

CMY

20/05/2014

12:34

CAN WE HELP YOU? Northumbrian Water offers a range of free services for customers who, on occasion, may appreciate some extra care from us. If you have limited mobility, sight or hearing problems, a disability, or a serious medical condition that affects the way you live, call us on 0345 717 1100 and we will be happy to tell you more about our services to help make things easier. www.nwl.co.uk

Easy Lift provides stairlifts throughout the North of England. A professional, caring, service, just for you…guaranteed! n Stairlift Rentals n New and Reconditioned Stairlift Sales n Service and Repair of existing stairlifts 12 Months al stairlift rent

£350

n Removals, Relocation and refits n Door Entry Systems n Hoists – Installation and Maintenance

Waiting for a local authority grant or need a stairlift urgently?

A short term stairlift rental may be the answer.

We offer next day installation on straight stairlifts, both new and rentals.

Call us on

01207 503600

Easy Lift is competitively priced, we offer fast and efficient installations and have a team of highly experienced engineers. From initial advice to installation and after sales support, we offer a friendly and reliable service Call us on 01207 503600 Email: info@easylift.org.uk Visit our website www.easylift.org.uk

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North East daily living guide for over 50s

Council or Housing Association

LOW COST FURNISHINGS

Tenants: Repairs and Gardens The Council or landlords maintain their own properties. Some help with garden maintenance for older people who cannot do the work and have no-one to do it for them. The schemes vary, there may be a charge and possibly a waiting list for gardening. Ring your housing provider for details.

Core Furniture, The Tynedale Centre,

Morpeth Community Works,

Harvestfield Furniture Project, Units

Handyman and Garden service 01670 519575 www.morpethcommunityworks.co.uk Low cost service for over 60s, disabled or low income residents in South East Northumberland. They fit curtains, shelving, flat pack furniture, and other small jobs. Also Community Repaint Scheme. Seasonal gardening service in local area—ring for appointments.

Haugh Lane Industrial Estate, Haugh Lane, Hexham, NE46 3PU 01434 607509 Donated furniture is restored and sold at low cost. Also white goods and some electrical equipment. Open Mon—Thurs 9.30am—4.00pm, Fri close at 3.30pm. Free collection of furniture, small charge for deliveries.

2-4 Marrtree Business Park, Berwick, TD15 1TU 01289 332875 www.salvationarmy.org.uk/berwickupon-tweed This Salvation Army run shop has donated furniture, electrical goods, clothes, books, toys etc. Open Mon– Sat 9.00am—4.00pm.

Stakeford Nurseries 01670 855130 www.blythstar.com Part of Blyth Star Enterprises they supply plants, bedding and hanging baskets, and run a garden maintenance service in Blyth Valley, Morpeth and Wansbeck.

See more at www.goldenguide.org.uk

Home & Community

WARMTH & ENERGY EFFICIENCY Community Action Northumberland 01670 517178 www.ca-north.org.uk • Oil CAN scheme Countywide bulk-buying scheme for heating oil, calor gas and coal. The joint buying power achieves greater savings for customers. • Warm Hub scheme, Lunch Club Plus Warm venues where you can have lunch and get advice about saving energy and grant schemes at the same time. Ring for times and places. Energy Saving Advice Service 0300 123 1234 www.energysavingtrust.org.uk Impartial advice and information to help save energy and reduce fuel bills. They can send you a list of accredited installers. Also referral to ECO funding schemes for energy improvements.

Infrastructure North www.infrastructurenorth.co.uk Online information on fuel poverty, gas, water and electricity safety, and priority support for older or vulnerable people if their power or water supply is interrupted. Tips on keeping utility bills low, on using electricity and gas safely and staying safe around water. For priority support services, contact individual members of the group as below. • Northern Powergrid, 0800 66 88 77 (24 hours) or call 105 to report a power cut www.northernpowergrid.com • Northern Gas Networks, 0800 111 999 if you smell gas 0800 040 7766 Customer Care Team www.northerngasnetworks.co.uk • Northumbrian Water, 0800 393 084 to report a leak or flood 03545 717 1100 General Enquiries and Extra Care scheme www.nwl.co.uk See Infrastructure North ad overleaf.

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North East daily living guide for over 50s

Infrastructure North

Northern Powergrid, Northern Gas Networks, Northumbrian Water and Yorkshire Water are responsible for making sure communities in Yorkshire and in the North East have a safe and reliable supply of electricity, gas and water. Together, we work in partnership as â&#x20AC;&#x2DC;Infrastructure Northâ&#x20AC;&#x2122;, finding ways to best invest in local areas to find solutions to wider social issues. For more information about how we work together to help communities please visit: www.infrastructurenorth.co.uk

Working together to help tackle social issues that affect communities the north. 48 See more throughout at www.goldenguide.org.uk

Home & Community

Help in your area when you need it most

Northern Powergrid and Northumbrian Water each offer a range of services in your area for customers who, for various reasons, might need extra support from us during a power cut or interruption of water supply. If you have limited mobility, sight or hearing problems, a disability or a serious medical condition that affects the way you live, call to find out more information on the services we provide to make things a little easier. Northern Powergrid 0800 169 2996

Northumbrian Water 0345 717 1100

Do you have a gas connection? Gas is one of the most cost effective ways to heat your home and water. If your home isnâ&#x20AC;&#x2122;t connected to the mains gas network you might be able to get a free gas connection. Contact Communitas Energy CIC (CE) to find out if you could receive some support. Theyâ&#x20AC;&#x2122;ll complete a quick eligibility assessment and guide you through the process. Communitas Energy CIC (CE): 0113 426 1616 49

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North East daily living guide for over 50s

Warm Zones

Northumbria Police, 101

0191 605 3279

www.northumbria.police.uk Use this number for all nonemergency concerns, enquiries and information.

www.warmzones.co.uk Practical advice on improving the warmth of your home and increasing energy efficiency. Grants for free insulation and boiler replacement if you are eligible, also free benefits advice.

Northumberland Fire & Rescue Service fire.northumberland.gov.uk Ring 999 for ALL emergencies.

Winter Fuel Claim Helpline 0345 915 1515

Fire Safety Advice

0345 606 0285 textphone

0800 731 1351 Free smoke alarms, home safety checks and advice from the Community Fire Safety team or from any fire station. Includes advice on specialist alarms for hearing-impaired residents.

www.gov.uk/winter-fuel-paymenthelpline For anyone of qualifying age. If you are on a State Pension or certain benefits you are paid automatically, otherwise you must claim. For winter 2016-17 your birthday must be on or before 5 May 1953. For winter 2017-18 your birthday must be on or before 5 August 1953.

HOME SECURITY Emergency calls, 999 For any situation which has become dangerous or where a crime has just been, or is about to be, committed.

Emergency Gas Contact Number 0800 111 999 www.nationalgrid.com/uk Emergency 24 hour number if you smell gas, or suspect carbon monoxide fumes, or have unexplained loss of supply, or gas pressure. Local engineers attend (free) to make the property safe, but do not carry out repairs. See page 47 for more emergency contacts.

See more at www.goldenguide.org.uk

Home & Community

BOGUS CALLERS 101 Northumbria Police Crime Prevention Advisers Advice on making your home secure through locks, lights, alarms and sensible precautions.

COLD CALLERS Never respond to unexpected callers offering building work, repairs or goods such as hardware products or fish. It’s likely the price will be much too high, or there will be a problem once they’ve left. Do not allow a caller into your home—ask them to call another time and have someone with you as even identification can be faked. See also page 108 Trading Standards advice.

SCAMS Put the phone down on anyone offering insurance, PPI rebates or council tax regradings and never give your bank or credit card details over the phone. Don’t discuss anything private—just ring off, you’re not being rude it’s a scam. Don’t respond to letters or calls offering prize draws, holidays or investments. If you are asked to phone a number to claim a prize— don’t ring, it’s usually a premium rate number and the prize is worthless.

See also page 93 for personal alarm systems.

ANTI-SOCIAL BEHAVIOUR & DISABILITY HATE CRIME 101 Northumbria Police www.northumbria.police.uk Residents are encouraged to report any kind of anti social behaviour. But you should still ring 999 when there is immediate danger or you witness a crime taking place. 101 Disability Hate Crime This is any crime motivated by the victim’s disability. In Northumberland there are now Safe Reporting Centres in many community venues listed on the police website. Or ring 101 for information. Community Safety Team, Northumberland County Council 0345 600 6400 www.northumberland.gov.uk Ring with concerns about a safety issue, or anti-social behaviour in your area. They help with noisy neighbours, vandalism, fly-tipping and other local problems. Housing Association tenants can contact the Tenancy Enforcement team through their housing provider.

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North East daily living guide for over 50s

DOMESTIC VIOLENCE & ABUSE National 24 hour Domestic Violence helpline 0808 2000 247

Grace (Northumberland Rape Crisis) 0800 035 2794 evenings helpline 0191 222 0272 all other support

Action on Elder Abuse Helpline 0808 808 8141 www.elderabuse.org.uk Information and support for victims, or others with concerns. Deals with physical, psychological, sexual and financial abuse and neglect.

and referrals www.gracenrc.org.uk Supports women and young women (13+) who have experienced rape, sexual violence and childhood sexual abuse. Free individual counselling or practical and emotional support in outreach venues across Northumberland and Tyneside. Free telephone support (Tues, Wed and Thurs 6.00pm – 8.30pm, Fri 11.00am—2.30pm). Also email support.

Men’s Advice Line 0808 801 0327 www.mensadviceline.org.uk Confidential helpline for male victims of domestic abuse or family or friends with concerns. Listening service, practical advice and emotional support. They advise on ways to reduce the risk and keep safe. Adult Safeguarding Adult Social Care 01670 536400 0345 600 5252, Out of Hours Duty Team helpline www.northumberland.gov.uk If you think someone who is vulnerable is at risk of abuse or neglect please call the numbers above. If you think there is immediate danger contact the police .

See more at www.goldenguide.org.uk

Home & Community

2017

North East daily living guide for over 50s

Northumberland Domestic Abuse Service (NDAS) 01434 608030

Relate Northumberland and Tyneside, Mea House, Ellison Place, Newcastle, NE1 8XS

www.nda.services Practical and emotional support for women, men, and children in Northumberland who have experienced domestic abuse within the last three months.

0191 232 9109 www.relate-nt.org.uk Confidential and nonjudgemental relationship and family counselling to help with any relationship issue. Face to face, telephone, email or online counselling is offered by trained specialists. You can visit with a partner or on your own.

Victims First Northumbria 0800 011 3116 www.victimsfirstnorthumbria.org.uk Supports victims of crime, including domestic abuse, whether or not reported to the police. Practical and emotional help may include installing locks, alarms or support at court . Referrals to other services as necessary.

REVOC project Northumberland 01665 600930, Laura Mclean www.tynesidemind.org.uk Specialist support for adults who are victims of crime and who have poor mental health. Help if you have to attend court and emotional support to build your resilience. Self refer, or be referred by a third party.

See more at www.goldenguide.org.uk

Home & Community

Ronnie Campbell MP Blyth Valley Constituency Office hours: Mon - Thurs 9am - 5pm Fri 9am - 3.30pm Ronnie now has monthly surgeries in the Blyth Valley area on a Saturday. Check local press for details or contact the office where staff will be able to assist. Ronnie Campbell MP Blyth Valley Constituency 42 Renwick Road, Blyth NE24 2LQ Tel: 01670 363050 Fax: 01670 355192 Email: ronnie.campbell.mp@parliament.uk

Helpline

0808 800 4050 •

Arthritis Care is the UK’s largest organisation working with and for all people with arthritis, offering local support to people with arthritis. Whether you’ve been recently diagnosed with arthritis, have been living with it for some while or think you may have the early signs, we’re here for you. We provide information, and practical support to help you stay active, independent and connected.

• •

Find out how our local services can help you. These include Information Points where you can find out more about your condition as well as one to one support and peer support groups. Call our free, confidential Helpline on 0808 800 4050 for information and support. Join a local Arthritis Care branch or group and stay connected

Visit our website to find out more arthritiscare.org.uk email your local Project Coordinator anniec@arthritiscare.org.uk or call 07773 032012

Turn “I can’t” into “I can!” 55

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North East daily living guide for over 50s

MPS IN NORTHUMBERLAND Contact your MP at the constituency office, or attend one of their surgeries - held in local venues, either by appointment, or on a drop-in basis. Cygnus Support (formerly WHAC), 1 Council Road, Ashington, NE63 8RZ 01670 853977 www.whac-online.co.uk Cygnus Support offers counselling, psychotherapy and support for a range of issues e.g. mental health and wellbeing, domestic or sexual abuse and bereavement. Training courses and workshops are also available. The services are provided, at venues throughout Northumberland, to women, men and young people aged 14+.

Or write to them at: The House of Commons, Westminster, London SW1A 0AA Berwick: Anne-Marie Trevelyan 01665 517512 21a The Hotspur, Bondate Without, Alnwick, NE66 1PR, Also at 01289 385150 The Workspace, 90 Marygate, Berwick, TD15 1BN, annemarie.trevelyan.mp@ parliament.uk Blyth Valley: Ronnie Campbell 01670 363050 42 Renwick Road, Blyth, NE24 2LQ ronnie.campbell.mp@parliament.uk Hexham: Guy Opperman 020 7219 7227 or 01670 789161, 1, Meal Market, Hexham, NE46 1NF guy.opperman.mp@parliament.uk Wansbeck: Ian Lavery, 01670 852494, 7,Esther Court, Wansbeck Business Park, Ashington, NE63 8AP ian.lavery.mp@parliament.uk

See more at www.goldenguide.org.uk

Special feature

The

MONEYMAKER Issue Northumberland 2017

GROWING YOUR CASH CREATIVE WAYS TO INCREASE YOUR INCOME

PRUNING YOUR SPEND Practical solutions for cutting costs and saving money

An occasional publication from the Golden Guide team Produced because

‘The secret of getting ahead is getting started’

2017

A Golden Guide publication

The

2017 MONEYMAKER Issue

Welcome to our MoneyMaker supplement, especially created for this year’s Golden Guide.

There are widely differing views about money. Jane Austen thought ‘a large income is the best recipe for happiness I ever heard of’ but for St Paul the love of money was ‘the root of all kinds of evil’. Socrates states serenely that ‘‘He is richest who is content with the least, for content is the wealth of nature.’ For most of us having enough money means we can do the extra things we want to, and also achieve a sense of financial security in going about our daily life. As we reach retirement it’s likely that income will drop, and though we might aspire to live like Socrates, it’s a sensible idea to take some steps towards achieving the best income we can. So here are a few suggestions, some lighthearted, some more serious, on boosting your income, either by making money in ingenious ways, or by saving it. See what you think and let us know! Love Heather Editor 0191 386 5918 heather@goldenguide.org.uk Twitter.com/@goldenguidene www.goldenguide.org.uk NB There are many references to online searching and websites in this issue—if you’d like to learn how to use the internet, or get help tracking down information online—there are various ways to do this. Start with a visit to your library branch and see pages 32 - 33 in the Golden Guide.

See more at www.goldenguide.org.uk

The MoneyMaker Issue

GROWING YOUR CASH

In collaboration with Rachel Connor of Stepchange Debt Charity

RECLAIM LOST ASSETS Millions in unclaimed assets are in forgotten bank accounts, pensions, premium bonds, life insurance and investments. Most are easy to reclaim on your own behalf or for a deceased relative and it’s free—you don’t need to pay a company to do it for you. Visit www.mylostaccount.org.uk for bank and building society accounts, National Savings and Investments and Post Office accounts. Go to www.gov.uk/find-pension-contact-details for pensions. Also see an informative guide at www. moneysavingexpert.com/reclaim/reclaim-lostassets-free

DONATE OLD CLOTHES FOR CASH H&M stores run a scheme offering you a £5 voucher to spend in store for each bag of old clothes/fabric items you donate. You can take bags as often as you like though they only give one voucher per transaction. Quality isn’t important as items are for recycling not resale. No shoes.

MAKE YOUR HOME A FILM LOCATION A great way to make extra cash. Film production funding in the UK is tight and scouts are always on the lookout for locations - often the more ‘normal’ the setting the better. Your house might be just what they’re looking for. My House Your Shoot is an online locations library where you can upload your property to their site www.myyour.co Potential clients contact homeowners directly so there’s no middle man and no booking or commission fees for bookings made through the site. NB If you rent your property contact your landlord or housing provider for permission before signing up.

SEND A LETTER TO A MAGAZINE Many magazines, such as Take a Break and Chat, love to hear from their readers, because readers like to read about other readers. Sharing your opinions, ideas, recipes and tips could net you a quick £25. If you send an interesting personal story you can earn considerably more. See www.moneymagpie.com for all the knowhow or contact the magazines direct.

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A Golden Guide publication

SELL YOUR HOLIDAY SNAPS You don’t have to be a camera wizard to take photos worth paying for. If you have some digital snaps with decent resolution, consider selling them to online agencies such as www.fotolia.com and www.123rf.com Every time someone buys one of your pictures you’ll get a royalty fee, and the subject matter can cover anything you want (within reason).

COUNT THE VOTES AT POLLING TIME Election time means staff are taken on for polling stations, postal vote opening, counting and as electoral canvassers. Payment varies and may depend on how long the count is likely to last. Contact Northumberland Council’s election services department for details on 0345 600 6400 or email elections@northumberland.gov.uk

BECOME A LIFE MODEL

‘Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.’ Charles Dickens

You don’t need to have the body of an Adonis to become a work of art. Life drawing classes require models of all shapes and sizes and may pay around £35 for a couple of hours work. Contact Newcastle Arts Centre on 0191 261 5618, or email admin@newcastle-arts-centre.co.uk Or visit the North Of England Art Club website at www.northofenglandartclub. co.uk

MONITOR EXAMS Come exam season schools and colleges need invigilators on a flexible basis and pay for the hours worked. Whilst they prefer experience of working in a school this is not essential and training is given. However they do require enhanced criminal record checks. Look for these jobs on individual school websites, or at www.northeastjobs.org.uk or www.jobsinschoolsnortheast.com

See more at www.goldenguide.org.uk

The MoneyMaker Issue

WRITE A TRAVEL GUIDE If you’ve been on intrepid adventures or enjoyed sun-soaked escapades (in the UK or elsewhere), then Simon Seeks want to hear from you! They pay people for writing engaging, well thought out travel guides for the discerning explorer. You do not have to be a professional writer—how much you’re paid will depend on how popular your guide is. All you do is sign up and upload your guide to the website at www.simonseeks.com

SEND IN YOUR FUNNY HOME VIDEOS

‘If plan A fails, remember there are 25 more letters.’ Chris Guillebeau

In this age of YouTube, where hours of funny moments are uploaded onto the web, you’d think that ‘You’ve Been Framed’ would be a thing of the past. Think again! The show still offers its classic reward of £250 for any of your funny clips that it uses. Not a bad price to have your embarrassing moments broadcast across the nation. Find out how to do it at www.itv.com/youvebeenframed

FLOG YOUR NUMBER PLATE It costs nothing to find out if your number plate is worth a couple of bob. A word, initials and clever numeric puns are all in demand. All you need do is log on to www.carreg.co.uk for a free valuation. You can also flog it on eBay, www.regtransfers.co.uk, www.newreg.co.uk, or ring National Numbers on 01642 363738.

CASH FOR CARTRIDGES Any old ink cartridges lying around? Not all brands are eligible, but if they are you can sell them for cash and they will be recycled. For details visit www.therecyclingfactory.com or www.cashforcartridges.co.uk

DISCLAIMER: The Golden Guide cannot guarantee the success or safety implications of the above mentioned money-making tips. They are written to offer ideas and also for entertainment. NB Please remember to declare all additional income to Her Majesty’s Revenue and Customs (HMRC).

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A Golden Guide publication

PRUNING YOUR SPEND MANAGE YOUR BUDGET Being good with money means knowing exactly what you’re spending it on. Work out your costs over the year and keep an eye on them. Allow enough for expenses like holidays or Christmas and treats now and then. Save at least a little every month for emergencies.

DON’T BE A SECRET SPENDER Be aware of over-spending without thinking, e.g. supermarket 2 for 1 deals are only a deal if you were going to buy the item in the first place. To avoid temptation make a list and stick to it, use cash - only take enough for what you need, and don’t shop for groceries when you’re hungry!

ARE YOU MISSING OUT? Millions goes unclaimed in benefits every year. Attendance Allowance in particular is frequently misunderstood, but if you have extra costs because of long term illness or disability then you may be eligible. You don’t have to spend it on care, it doesn’t matter what your income is and it’s tax free. To check on this and other benefits such as Pension Credit visit your local CAB or contact Age UK Northumberland on 01670 784821. See pages 100 - 101 in the Golden Guide.

REMEMBER TO BOOK EARLY

A man who both spends and saves money is the happiest man, because he has both enjoyments. Samuel Johnson 62

Planes, trains and buses all have a quota of seats they will sell for the lowest price and then prices increase over a matter of weeks or sometimes days, so get booked in as early as possible.

MOBILE PHONE TARIFFS The phone networks compete fiercely for your business so give them a ring and see if you can get a cheaper deal. If you already have a decent phone handset, SIM-only tariffs are excellent value for money.

See more at www.goldenguide.org.uk

The MoneyMaker Issue

CHECK YOUR INSURANCE QUOTE

SHOP ONLINE AND USE VOUCHER CODES

As with phone tariffs, shop around for insurance too. Whether it’s for your car or household contents, don’t be afraid to ask— they are used to competing to offer the best rates. Stand by the well known saying ‘shy bairns get nowt’.

Online comparison sites can show you the best price for a product, voucher codes can cut the cost even more. Find vouchers on sites such as www.vouchercodes.co.uk, www. groupon.co.uk or www.moneysupermarket. com/vouchers Sometimes you can print them out and take them to the shop itself. Also look for free delivery vouchers—these can be worth more than money off the product itself.

GROW YOUR OWN FOOD Growing your own fruit and veg reduces your food spend, is very rewarding and a great way to keep fit too. Seeds are inexpensive and instead of buying new pots – re-use old colanders, teapots, buckets or sinks. Great compost can be made from vegetable leftovers, grass cuttings and autumn leaves. If you have no garden – try growing on windowsills, balcony or just in the kitchen. You can even make money by selling on extra plants. See pages 15 - 17 in the Golden Guide.

CUT YOUR HEATING COSTS Switch energy suppliers, the Energy Helpline advise on this and can even do it for you ring 0300 123 1234. You can also hang thermal curtains, stick radiator foil behind radiators to maximise heat output, fit draught excluder round your windows and doors. See pages 47 - 50 in the Golden Guide for energy advice, grants and the Oil Can energy bulk buying scheme in Northumberland.

WORK THE WEB SAFELY There are countless online sites offering money-saving information. Good ones should be up to date and offer plenty of hints and tips - try www.moneysavingexpert.com, www. moneyaware.co.uk and www.moneymagpie. com But whatever you’re looking for there may be scam sites offering products, advice and fraudulent deals. So before you start surfing read this excellent guide to spotting fakes at www.which.co.uk/consumer-rights/ advice/how-to-spot-a-fake-fraudulent-orscam-website And remember if an offer seems to good to be true—it usually is!

Enough is better than too much. French Proverb

HELPING YOUR BUSINESS GROW AND PROSPER IN NORTHUMBERLAND If you would like help to grow your business, or idea, look out for the Business Northumberland programme delivered by Arch. If your business is facing challenges, wanting to grow, or to relocate into Northumberland we can offer expert advice and support. The support offered is fully funded and available to all businesses based in Northumberland who are ready to grow.

HOW IT WORKS •

•

Upskill yourself at specialist workshops and events including Finance for Business, Innovation, Marketing, Social Media and many more. Talk over your plans and ideas directly with one of our Business Growth Advisers. They can help understand your needs and work out an action plan. Find online advice always at hand on the Business Northumberland website. It can help determine your aspirations for start up and growth, and will guide you to the right content, workshops and advice to help you along the way.

WE UNDERSTAND ALL BUSINESSES ARE DIFFERENT, SO COME AND TALK TO US AND FIND OUT HOW WE CAN HELP YOU AND YOUR BUSINESS ACHIEVE YOUR GOALS.

To sign up, or book an appointment with a business adviser, please call

01670 528453

See more at www.goldenguide.org.uk

www.archnorthumberland.co.uk/arch-business/business-northumberland Wansbeck Workspace, Rotary Parkway, Ashington, Northumberland NE63 8QZ

Health & Wellbeing

03 HEALTH & WELLBEING Health support groups in the community make important contributions to our health and wellbeing, either through advice, specialist skills and expertise or simply by offering a helping hand or a listening ear. In this section we list key health providers as well as a range of support groups and what they can do. NHS 111

HOSPITALS

www.nhs.uk/111 Ring 111 if you urgently need medical help. Your symptoms will be assessed and you may be given an appointment for your nearest Health centre. But if it’s a lifethreatening situation you should call 999.

Northumbria Healthcare NHS

OUT OF HOURS Ring NHS 111 for out of hours advice and help 24 hours a day, any day.

Foundation Trust 0844 811 8111 www.northumbria.nhs.uk • Alnwick Infirmary • Berwick Infirmary • Blyth Community Hospital • Hexham General Hospital • Haltwhistle Hospital • Morpeth Cottage Hospital • North Tyneside General • Northumbria Specialist

Emergency Care Hospital

• Rothbury Community Hospital

01669 620 555

• Sir GB Hunter Hospital

0191 220 5968

• Wansbeck General • Whalton Unit

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North East daily living guide for over 50s

Newcastle Hospitals NHS

NHS Health Trainers

Foundation Trust

01670 784198 Free one to one advice, support and information to help you plan and implement healthy lifestyle choices, including diet, keeping fit, smoking, alcohol consumption etc. They operate across Northumberland.

www.newcastle-hospitals.org.uk 0191 233 6161, Royal Victoria Infirmary, Freeman Hospital 0191 282 4664, Dental Hospital 0191 282 4664 Northumberland, Tyne & Wear NHS Foundation Trust 0191 213 0151 www.ntw.nhs.uk • Northgate Hospital,

DENTAL CARE For dentists taking on NHS patients, or for emergencies if you have no dentist, please call NHS 111. Also see page 70 for help with dental and other health costs.

• Ferndene Hospital • St. George’s Park • St Nicholas Hospital • Walkergate Park

HEALTH INFORMATION NHS Choices www.nhs.uk Detailed health and social care information includes lists of local hospitals, doctors, dentists, opticians, pharmacists. Also health conditions explained, healthy living advice and health news. If you do not have access to the

PHARMACY Many pharmacies now give healthy living advice and support with self care. They advise on minor ailments, can review your medicines and explain side effects. If you receive free prescriptions they may be able to treat you without having to see the doctor first. They offer cholesterol, blood pressure and glucose tests, flu jabs, help with weight management, smoking and many other conditions.

internet, ring NHS 111 who will find information for you.

See more at www.goldenguide.org.uk

Health & Wellbeing

PODIATRY

Age UK Northumberland

Good foot care helps keep you steady on your feet to prevent falls. The service deal with toenails, skin problems, foot pain, or help if you have diabetes, arthritis or medication concerns. Your GP can refer you or else advise on making an appointment.

Advocacy Service

See also page 7 for Age UK’s foot care sessions.

01670 784847 or 077207 40988 advocacy@ageuk-northumberland. org.uk www.ageuk.org.uk/northumberland/ Countywide, confidential, free service for over 50s to help express their views, make a complaint or have their rights upheld. Includes: • Money Go Round - help with financial problems.

DEALING WITH CONCERNS

• First Stop - housing and social care issues.

If things go wrong speak directly to the people providing your service, which is often the best way to resolve problems. If you need help to do this ask a family member or friend or see below for more assistance.

See also page 96 Housing, 101 Advice and ads on page 12 and 92.

• Macmillan Advocacy - for those affected by cancer.

Healthwatch Northumberland, 03332 408 468 www.healthwatchnorthumberland.

Northumberland, NE61 2EF

co.uk Your local consumer champion for health and social care. Get in touch to tell them your experience of local services and help them influence change.

01670 628888

See also back cover ad.

Comments, Compliments & Complaints, Adult Social Care, County Hall, Morpeth,

socialcarecomplaints@northumbria. nhs.uk www.northumberland.gov.uk

See more at www.goldenguide.org.uk

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North East daily living guide for over 50s

ICANâ&#x20AC;&#x201D;Independent Complaints

HELP WITH HEALTH COSTS

Advocacy Northumberland

0300 330 1343

01434 600599

www.nhsbsa.nhs.uk Most NHS treatment is free for over 60s, including prescriptions, sight tests and some hearing aids. Where there are costs, e.g. for glasses, dental treatment and travel to and from hospital, you may apply for assistance if you are on a low income or in receipt of certain benefits.

generaloffice@adapt-tynedale.org.uk www.adapt-ne.org.uk Free, confidential advocacy service for anyone wanting support to make a complaint about NHS services in Northumberland. Adult Social Care Community Forums 01670 629000 Forums for older people, carers, people with dementia, long term conditions or learning disabilities meet to discuss community health and social care services, share opinions and experiences. Ring for details. See also page 6 Ageing Well and ad on page 8. PALS Service (Patient Advice and Liaison) 0800 032 02 02 Email: northoftynepals@nhct.nhs.uk FREEPOST PALS for postal queries Confidential support for patients, their families and carers. General information, advice and problemsolving about NHS care, including hospitals, GPs, Dentists, Optometrists, Pharmacists and the Ambulance service.

Prescription Prepayment Cards (PPC) 0300 330 1341 www.nhsbsa.nhs.uk/ppc If you have to pay for more than three prescriptions within three months, or more than twelve within twelve months, it may be cheaper to buy a PPC. This way you pay a certain amount in advance and are then covered for unlimited prescriptions for either three or twelve months.

STOPPING SMOKING Northumberland Stop Smoking Service 01670 813135 www.northumbria.nhs.uk/ourservices/healthy-living/stop-smoking Free friendly support throughout Northumberland. You can also be referred by a GP, pharmacist or hospital.

See more at www.goldenguide.org.uk

Health & Wellbeing

NHS Smokefree Helpline 0300 123 1044 www.smokefree.nhs.uk Information, specialist advisers and free Quit Kits.

ALCOHOL OR DRUGS PROBLEMS Northumberland Recovery Partnership 01670 396303 www.nhs.uk/livewell/alcohol Community based service to enable recovery for people with alcohol or drugs problems. Self-refer or be referred by a health professional.

MENTAL HEALTH A good first point of contact for a mental health concern (e.g. depression, memory problems, anxiety) is your GP or other health professional. If appropriate you will be referred to your local Community Mental Health team who may be able to visit you at home. Counselling or talking treatments are helpful and could be all that’s needed. Age UK Northumberland Community

Drinkline

Dementia Service

0300 123 1110

01670 784800

www.alcoholconcern.org.uk

www.ageuk.org.uk/northumberland/ Day centre service for older people with dementia, in Amble. Specialist dementia person-centred approach in a safe and caring environment.

Escape Family Support 01670 432200 office 0770 283 3944 helpline 24 hours www.escapefamilysupport.org.uk Support for alcohol or drug problems in Northumberland.

AlzCafe, St Cuthbert’s Parish Centre, Walkergate, Berwick, TD15 1DJ 01289 308171 Margaret Johnson www.facebook.com/ BerwickandDistrictFoD Run by Berwick & District Friends of Dementia, Thurs 10.30am—12.30pm. Warm and friendly drop in session for people with mild to moderate dementia and their carers. See also ad on page 29.

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North East daily living guide for over 50s

If someone who is physically or mentally ill, disabled or has an addiction, relies on you for support at home... THEN YOU ARE A CARER Tell us, so we can work with you to provide the best care possible. Our Northumberland Carers’ Guide and Wellbeing Check will help you to think about the impact caring has on your own life and find solutions. As a carer you may have the right to: • Benefits or financial help • Practical support • Health and care technology in the home • Workplace rights

Call us

01670 536 400

for more information about support available 74

See more at www.goldenguide.org.uk

Health & Wellbeing

Alzheimer’s Society

Contact Mental Health Group,

01670 813255 Northumberland Team

7 Grey’s Yard Oldgate, Morpeth,

0300 222 1122 National Dementia

NE61 1QD

Helpline

01670 510652

www.alzheimers.org.uk Advice and support for people with dementia and their carers. Dementia advisers, befriending service, Dementia Action Alliance, Dementia Friends information sessions and groups e.g. Singing for the Brain®. Volunteers welcome from all walks of life, full training given.

www.contactmorpeth.org.uk Drop-in centre and café supports people with mental health problems and their carers. Self-help groups, counselling, events, outings and a fortnightly social evening.

See also pages 20, 77 and ad on page 74.

www.dementiacare.org.uk Specialist day centres in Brunswick Village, and Hexham for people with dementia, transport provided. Residential Respite Centre in Newcastle for longer stays. Also, specialist domiciliary care for people with dementia in parts of Northumberland bordering Newcastle and North Tyneside.

Chrysalis at Tynedale, Torch Centre, Corbridge Road, Hexham NE46 1QS 07760 124539 Caroline Armstrong www.chrysalis-tynedale.org.uk Sociable club for people with memory problems or dementia and their families. Singing, gardening, art, indoor golf, cooking, trips etc. Mon and Wed afternoons, ring before your first visit.

Dementia Care 0191 217 1323

Lionhearts, Costello Centre, 12 Bailiffgate, Alnwick, NE66 1LU 0754 542 4862 Ann Marie Lister or 0774 061 0077 Andy Muckle www.blythstar.org.uk Sociable service user led group run by Blyth Star Enterprises. Lunch club, IT help, walking and cycling. Self refer or be referred by a health professional.

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North East daily living guide for over 50s

LIVING WELL

Active Minds and Active Bodies CARING SUPPORT FOR PEOPLE WITH MILD TO MODERATE DEMENTIA. Find friendly and practical help through our new caring network. • Refreshing activities, exercise and walks which carers can share. • Cognitive Stimulation Therapy sessions offer sociable and effective coping strategies to help memory and communication. • Carers take a break whilst their loved one benefits from CST. We’d love you to join one of our groups in Alnwick, Berwick or Cramlington from early 2017.

Ring for details 01668

260248 or www.royalvoluntaryservice.org.uk

If you are worried about your memory we can help. Alzheimer’s Society is the UK’s leading support charity for people with dementia, their families and carers.

Befriending Service: A trained volunteer helps you socialise, go shopping or get out and about.

Our Northumberland team offer practical support whether you are worried about your memory or have had a diagnosis. We give expert advice and can help you carry on doing the things you enjoy

Singing for the Brain: Singing is good for your health and your spirits.

Dementia Advisers: Cover South East, Central, West and North Northumberland.

• Hexham Abbey Hexham, 2.30pm-4.00pm first Thursday of month • Phoenix Theatre Blyth, 1.30pm-3.00pm first Monday of month • The Alnwick Garden Alnwick,1.30pm-3.00pm third Tuesday of month

Contact us on 01670 813255 or northumberland@alzheimers.org.uk Alzheimer’s Society, Suite 23, Wansbeck Workspace, Rotary Parkway, Ashington, NE63 8QZ www.alzheimers.org.uk National Dementia helpline 0300 222 1122

See more at www.goldenguide.org.uk

Health & Wellbeing

Memory CafĂŠ, Methodist Church, Howard Terrace, Morpeth, NE61 1HU 01670 511078 office www.morpethmeth.org Sociable, relaxed coffee and chat for people with memory problems and carers. First and third Thurs of the month, 10.30amâ&#x20AC;&#x201D;12.00pm.

MIND Active 01670 820461 www.mindactive.org.uk

Mind Infoline

0300 123 3393

This dementia-friendly group runs sociable monthly gettogethers. These are lively and supportive and allow people looking after loved ones with dementia to spend quality time together. They offer lunch, fun quiz, free raffle and entertainment.

www.mind.org.uk National information line dealing with all aspects of mental distress, including where to get help, treatment and advocacy. See also page 106 Mind Legal Advice line.

MIND-Active

There are also regular tea dances and summer events. All welcome to join in, relax and enjoy the atmosphere with people who understand.

DEMENTIA FRIENDLY COMMUNITIES SUPPORTING PEOPLE TO LIVE WELL WITH DEMENTIA North East daily living guide for over 50s

Over 2500 people living in Northumberland have dementia.

They need...

everyone to understand, be inclusive and able to help people to live well with dementia in their communities

Northumberland County Council and Northumbria Healthcare NHS Foundation Trust are working with partners to make our towns and villages dementia friendly.

We provide...

We also...

work with organisations through our Ageing Well programme to provide a range of activities such as supported walks, gardening programmes and support groups to help people living with dementia and their families stay active.

dementia awareness training across the county and practical advice to local businesses, bus companies, voluntary organisations, pharmacies and housing services to help shape how services are designed and delivered.

ageing well IN NORTHUMBERLAND

If you are worried about your memory contact your GP. Find out more about Northumberland dementia friendly communities

Call 01670 629 000 See more at www.goldenguide.org.uk

Health & Wellbeing

Tyneside & Northumberland Mind

Talking Matters Northumberland,

Safe Space

Unit 4 Telford Court, Morpeth,

01665 600930, Stephanie Golder

Northumberland, NE61 2DB

www.tynesidemind.org.uk Supportive peer groups in Northumberland help to improve your mental health and wellbeing. Ring for details.

0300 3030 700

RVS Living Well

www.tmnorthumberland.org.uk Northumberland service for adults suffering mild to moderate mental health problems such as depression and anxiety. Self refer by phone, post or email or be referred by your GP.

01668 260248 www.royalvoluntaryservice.org.uk New service for people with cognitive problems and early to moderate dementia and their carers. Groups in Berwick, Alnwick & Cramlington Activities, exercise and walks include carers too, also coping strategies for those they care for. See also pages 7, 21, 78 and ads on pages 18, 22 and 74. Samaritans 116 123 www.samaritans.org 24 hour emotional support if you are in despair or just need to talk.

BEFRIENDING SCHEMES Alzheimerâ&#x20AC;&#x2122;s Society Northumberland Befriending Service 01670 813255, Northumberland Team www.alzheimers.org.uk A trained volunteer helps you do more of the things you enjoy either at home or out and about. From a cup of tea and a chat to trips out, golf, gardening, baking etc. Ring for details. See also pages 20, 73 and ad on page 74.

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North East daily living guide for over 50s

Contact The Elderly

Royal Voluntary Service, Good

020 7240 0630,

Neighbours scheme

0191 242 0186 North East Officer

01668 260248 One to one befriending service throughout Northumberland. Social visits by volunteers who will help with small jobs, or paperwork, help you go shopping or just sit and chat. Help with transport too.

www.contact-the-elderly.org.uk Social afternoons of tea and chat in a family home for over 75’s who cannot get out without help, transport provided. Free. Groups in Tynedale and Tynedale West, Ponteland, Cramlington/Blyth. Volunteers very welcome, ring for details. Guidepost Medical Group, North Parade, Choppington, NE62 5RA 01670 822071 www.guidepostmedicalgroup.nhs.uk Champions at the surgery will signpost patients to groups and organisations that can help if they are lonely or isolated. See also Choppington Disability Group, page 82. Merton Hall, Merton Way, Ponteland, NE20 9PX 01661 872917 Hall

See also ad on page 18. Independent Age 0800 319 6789 Advice Line www.independentage.org.uk Face to face and telephone services for older people who are lonely or socially isolated. Information and advice. Silvertalk, Isos Housing 0300 300 1505 www.isoshousing.co.uk Popular telephone befriending scheme for Isos residents of 60 or over matches volunteers with tenants for regular chatty phone calls.

07912 018528 Trish Hardy mertonhall123@gmail.com Friendly coffee mornings Mon—Fri 9.30am—11.15am. Bingo and Brunch is 11.45am—2.30pm on the second and fourth Thursdays—many people stay on and do both! Just drop in, all welcome.

The Silverline Helpline 0800 4 70 80 90 www.thesilverline.org.uk Telephone befriending and advice for older people, 24 hours.

See more at www.goldenguide.org.uk

Northumberland County Blind Health &isWellbeing Association (NCBA) your local voluntary association working for blind and partially sighted people throughout Northumberland. The Northumberland County Blind Association (NCBA) is your local voluntary association working for visually-impaired people throughout Northumberland. Our purpose-built resource centre is home to a wide range of services and facilities based in one accessible location. The services include clubs and support groups, voluntary home visiting and an information and advice service. Our facilities include a fully equipped training kitchen with examples of talking equipment, a large display of helpful daily living items and examples of computer accessibility software. We also have facilities for producing information in Braille, large print and in various audio formats. Please telephone, write or call in for more information.

Our purpose-built resource centre is home to a wide range of services and facilities...

Our facilities include a fully equipped Our aff members are purpose-built available during officeresource hours, Monday to Thursday inclusive from 9am tois 5pm and onto Fridays from 9am until 4.30pm. training kitchen, an equipment room centre home a wide range of services and facilities based in one

with a range of assistive technology a large display of helpful daily living aids and examples of computer accessibility software.

Reiver House, Staithes Lane, Morpeth, Northumberland, NE61 1TD. products, accessible location. Registered Charity Number: 1102386

The services include: Call us on: 01670 514316 • Clubs and support groups Email us on: info@ncba.org.uk • Home visiting service • Telephone counselling service www.ncba.org.uk • Telephone emotional support • Information and advice service • Volunteer driving • Computer training

We also have facilities for producing information in Braille, large print and in various audio formats. Please telephone, write or call in for more information.

Reiver House . Staithes Lane . Morpeth . Northumberland NE61 1TD

www.ncba.org.uk Registered Charity Number 1102386

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North East daily living guide for over 50s

Telephone Befriending, Bid Services 01670 293150 www.bid.org.uk Service for people who have recently been diagnosed with sight loss.

BEREAVEMENT www.gov.uk/after-a-death www.northumberland.gov.uk/ Registration/Deaths/Bereavement. aspx Information on registering a death, funerals, financial affairs, wills. St. Oswald’s Hospice, 0191 285 0063 www.stoswaldsuk.org • Bereavement Support. One to one support for those with a St. Oswald’s connection. Group sessions with others who understand. Annual Memory Day for families. • House Clearance Service Professional, sensitive service covers Northumberland. Cruse Bereavement Care Helpline 0808 808 1677 Freephone

Bereavement Support Service, Hospice Care North Northumberland 01665 606515 www.hospicecare-nn.org.uk Free Bereavement Listening Service by trained volunteers who understand the pain of grief and the death of a loved one. Support can be offered at the hospice, by telephone or at home. No previous contact with the hospice is necessary. Fortnightly bereavement support group and prebereavement support too.

Tynedale Hospice at Home, Bereavement Service 01434 600388

www.cruse.org.uk

www.tynedalehospice.com One to one bereavement support.

See also Macmillan Support Services, page 83.

Upper Coquetdale Bereavement Visiting Service, Rothbury Surgery 01669 620339 Susan Bryce

See more at www.goldenguide.org.uk

Health & Wellbeing

Celebrating #30yearsofcare St Oswaldâ&#x20AC;&#x2122;s Hospice provides specialist care for adults, young people and children from across the North East. Our adult services include a Day Hospice; outpatient clinics, including lymphoedema services; an inpatient unit; community outreach; and a range of day services, including therapeutic activities and complementary therapy. We provide end-of-life care and symptom management. Adult services are provided in Newcastle, Gateshead, Northumberland and North Tyneside. Our vision for our community is: Together, we will make the most of time and improve quality of life for everyone in the North East living with an incurable condition, and their families. Together, with the vital support of our staff, volunteers, donors and supporters, we will continue to develop and grow our services so that everyone in our region gets expert, dignified and compassionate care when they need it. For more information please contact: 0191 285 0063, enquries@stoswaldsuk.org or visit www.stoswaldsuk.org Thank you for your support over the last 30 years and we hope to have your continued support into our future.

St Oswaldâ&#x20AC;&#x2122;s Hospice, Regent Avenue, Gosforth, NE3 1EE Registered Charity No. 503386

81 celebrat ing #30yearsofcare

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MORE SUPPORT GROUPS Action on Hearing Loss (formerly RNID), Reiver House, Staithes Lane, Morpeth, NE61 1TD 01670 513606 www.actiononhearingloss.org.uk Support groups in Alnwick, Choppington, Morpeth and Mickley includes help with hearing aid usage. Age UK Northumberland, Health and Wellbeing Project 01670 784800 www.ageuk.org.uk/northumberland • Health and Wellbeing Project Improves health and wellbeing of older people with physical activity classes to suit all abilities. Local sessions countywide, include exercise to music, zumba, pilates circuits etc. • Living with Long Term Conditions Lifestyle advice and gentle exercise help to better manage a range of long term health conditions and improve quality of life. Ring for details and to join the programme. See also page 7 and ad on page 12.

Arthritis Care 0808 800 4050 helpline 020 7380 6500 general enquiries www.arthritiscare.org.uk Groups meet for support, information and practical help, also one to one support. • Alnwick: first Wed of the month, 7.00pm at Anchor House, Chapel Street, NE66 1EP • Ashington: last Tues of the month, 6.00pm, Wansbeck General Hospital, Woodhorn Lane, NE63 9JJ See also ad on page 55. Berwick Heart Support Group 077466 42270 Meets first Wed of the month at 7.00pm at Berwick Day Hospital. Blyth Valley Disabled Forum, 01670 364657 Disability Centre 01670 360927 Home Care Centre www.bvdfhomecare.co.uk Advice on all disability issues, full welfare rights service, home care. Coping with Cancer North East 0191 280 5610 www.copingwithcancer.org.uk Free support services at various venues.

See more at www.goldenguide.org.uk

Health & Wellbeing

For anyone affected by cancer or other life-limiting illnesses including family and carers. See ad on page 40 Cancer Advocacy. Choppington Disability Group, Stakeford & Bomarsund Sports Welfare Centre, Gordon Terrace West, NE62 5UD 01670 858664 www.choppingtonparish council.org Meets first Fri of the month 10.00amâ&#x20AC;&#x201D;12.00pm. Coffee and chat. They also give help and support, a voice for those who need it and aim to promote disabled interests. Occasional speakers. They host practical hearing loss sessions too. Ring for details. See also page 78 Guidepost surgery befriending service.

Multiple Sclerosis Society 0808 800 8000 National helpline 07581 460207 Alnwick 07590 965 465 Berwick 07749 384598 South & West Northumberland www.mssociety.org.uk Information, support and meetings. Northumberland Cancer Support Group 07598 620 599 www.northumberlandcancer supportgroup.co.uk Regular meetings, please ring for times and venue. Northumberland County Blind Association, (NCBA) Reiver House, Staithes Lane, Morpeth, NE61 1TD 01670 514316

Macmillan Support Services, Northumberland 01670 855533 www.macmillan.org.uk One to one or group support includes befriending and bereavement services, and drop in group at Nursery Park Health Centre, Ashington, Fri 10.00amâ&#x20AC;&#x201D;1.00pm. Also benefits advice, therapies and walking groups.

www.ncba.org.uk Information, advice, emotional counselling and telephone peer support as well as social activities, clubs and groups. Also transcription service, equipment demonstrations and a home visiting service. See also pages 15, 33 and ad on page 79.

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North East daily living guide for over 50s

WHY IS BETTY SO GOOD AT CROSSWORDS? Itâ&#x20AC;&#x2122;s in the water Drinking plenty of water keep our minds alert and bodies active, and helps to reduce dizziness. 84 more at www.nwl.co.uk/hydrate. See more at www.goldenguide.org.uk Find out

Health & Wellbeing

Parkinsons UK

Stroke Club Berwick

0808 800 0303 national helpline

07926 487 451, Joy Lamb Monthly meetings in various venues, fundraising over winter and free events and outingsâ&#x20AC;&#x201D;including free transportâ&#x20AC;&#x201D;for members during summer. Ring for details.

0344 225 3608, Lisa Watson, SE Northumberland 0344 225 3607 Janet Wilkinson rest of Northumberland www.parkinsons.org.uk Peer telephone support, specialist nurses, support groups in Alnwick, Ellington and Hexham.

Stroke Information Service, Northumbria Healthcare 0191 293 4326, Heather Lydon

Specsavers Healthcall 0800 198 1132 www.specsavers.co.uk/home-eyetests Free home eyecare service if you are over 60 and cannot visit a high street optician unaccompanied. Ring to check if you are eligible and for an appointment.

strokeinfo@nhct.nhs.uk Advice on stroke, local services and support available for the person affected and their carer. Wansbeck Disability Forum, Ashington Life Centre, Station House, 102-104 Station Road, Ashington, NE63 8RN 07495 088384 Jaxx Gardiner

Stroke Association

www.facebook.com/

0303 3033 100 national helpline

WansbeckDisabilityWDF Information, advice and signposting at drop-in sessions Tues and Fri with appointments also available on Fri. Knowledgeable team with welfare rights and benefits experience.

0191 487 9988 regional office www.stroke.org.uk Stroke clubs, or Speech after Stroke clubs, in Alnwick, Ashington, Blyth, Bedlington Station, Hexham, Howden, Morpeth. Self referral or via GP or speech therapist.

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North East daily living guide for over 50s

04 FINDING OUT ABOUT CARE There are many organisations offering support to ill and disabled people and carers. See the contacts listed here for help ranging through advice and information, practical help at home or with money issues, finding work or leisure opportunities and getting out and about. Remember that Adult Social Care can provide advice or arrange short or long term support for those who need it. You can get advice about organisations that might be able to help, and things you can do to prevent your needs from increasing, or make them easier to manage.

SUPPORT FOR CARERS Carers Northumberland 107-109 Station Road, Ashington, NE63 8RS 01670 320025 Information Line www.carersnorthumberland.org.uk Countywide support for carers as individuals and groups. Regular carersâ&#x20AC;&#x2122; meetings include former carers and carers of those in residential care. Also skills

development, emotional support, emergency planning and small grants for personalised breaks. Carer Support Workers in North, West and South East Northumberland provide local support.

See more at www.goldenguide.org.uk

Finding Out About Care

Do you look after someone because of mental or physical illness, disability, frailty or substance misuse? You’re not alone. An estimated 36,000 people in Northumberland provide unpaid care for a partner, relative or friend.

Carers Northumberland is here to improve the lives of carers like you. We offer a listening ear, information, social and skills development opportunities and a voice for carers in decisions affecting them and the person they care for.

Call us on 01670 320025

• • • • • •

Local support group meetings around the county Information Service Skills development opportunities Emergency planning Small grants to help you take a break from caring Someone to talk to about the things that matter to you

or email info@carersnorthumberland.org.uk

www.carersnorthumberland.org.uk

Independent LIvIng wIth peace of mInd At DJS Telecare we understand the importance of feeling safe and secure at home. Our personcentred approach offers flexible solutions using intelligent Telecare alarm devices to suit your situation. Our stylish, high quality equipment blends into your home environment, and if you make an alarm call you can choose who answers it. Simple! Includes smoke, heat, co2 and fall detectors.

tel: 01670 618 619 or email: info@djstelecare.co.uk for a free, no obligation demonstration for yourself and your family.

www.djstelecare.co.uk 87

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North East daily living guide for over 50s

Carer’s Emergency Card Should unexpected events happen, or the stress of caring becomes too much, the card offers peace of mind that the person you care for will be looked after until longer term arrangements can be made. It shows only a 24-hour telephone number and a unique reference that activates instructions given in advance by the carer. Register through Carers Northumberland or through the Red Cross on 0191 273 7916. Carer Support Fund Small grants up to £150, to help carers take a break from caring that might otherwise be difficult because of financial circumstances. For carers and young carers registered with Carers Northumberland. Carer’s Wellbeing Check This guide will help you think about your own health, how your caring role affects your life and how to make things easier. Available from health and social care professionals or Carers Northumberland above. See also ad on page 72.

CARERS’ HELPLINES Carer’s Allowance Unit 0345 608 4321 0345 604 5312 textphone www.gov.uk/carers-allowance Eligibility details and how to claim Carer’s Allowance and Carer’s Credit. Claim online or by post. Carers Direct 0300 123 1053 www.nhs.uk/carersdirect Confidential advice for carers including assessments, benefits, personal budgets, how to complain etc. Not counselling or advocacy but they can signpost you to further local help. Carers UK, Advice Line 0808 808 7777 www.carersuk.org Expert advice and information for carers. Carers Trust 0300 772 9600 support@carers.org www.carers.org Not a helpline, but they give personal emotional support by email. Information, online discussion boards and chat room.

See more at www.goldenguide.org.uk

Finding Out About Care

Care home or YOUR home? You do have a choice... We are Europe’s largest live-in care provider. Our expert care workers live in your home with you, 24-7 as a companion, a carer and a friend. Get the care you need, want and deserve, in the comfort of your own home. We offer a genuine alternative to residential care homes. Our mission is to give elderly and vulnerable people the opportunity to remain safely in their own homes by providing 24 hour, live-in care. Each carer is matched to you based on personality, hobbies and interests as well as overall care needs. This means there’s some common ground from day one and genuine friendships blossom. Maybe you’re cared for by a family member who just needs a break, or you need help getting back on your feet after a hospital stay. Perhaps you simply require a companion to help with day-to-day tasks such as cooking, cleaning and shopping. Our packages cover all this and range

from short term solutions through to ongoing support. We also offer complex care packages for those with more advanced care needs such as Dementia, stroke, Parkinson’s and palliative end-of-life care. Because our care packages are tailored to meet your individual needs, we ensure you retain as much independence and dignity as possible. The standard of care and attention to detail making sure Mum was well cared for and had all she needed was excellent. They took time to get to know Mum, listen to her stories, look at photos with her, learn her likes and dislikes and show an interest in Mum’s life experiences. Joanne L. - August 2016

Your one-to-one live-in companion/care package starts from just £695pw If you would like an informal chat or you would like to know more please get in touch with Nick on 07392 118 050 or 0191 313 0008 or visit our website www.promedica24.co.uk/newcastle

2017

North East daily living guide for over 50s

Grandparents Plus 0300 123 7015 or 0300 033 7015 0191 257 2504 Relative Experience Project www.grandparentsplus.org.uk If you are caring for a relativeâ&#x20AC;&#x2122;s child then you are a kinship carer. Ring for advice on non-contact, legal orders, benefits and allowances for kinship carers, childcare etc. The Relative Experience Project befriends and supports kinship carers in Northumberland.

STAYING AT HOME WITH HELP

There are charges for long-term support, and you may have to pay part or all of the cost depending on your income and savings. If you have particularly complex needs, with a primary need for healthcare, you may be eligible to have all of your support funded by the NHS. If you are making your own arrangements you can find further information about care services at www.northumberland.gov.uk/ careservices

MORE HELP WITH INDEPENDENT LIVING Age UK Northumberland Housing

Adult Social Care service 01670 536400 www.northumberland.gov.uk Social care support for ill or disabled adults in Northumberland is arranged by teams working for Northumbria Healthcare NHS Foundation Trust on behalf of Northumberland County Council. Their services include short-term support if you need help to live independently after a serious accident or illness, and also longerterm support as necessary.

& Social Care Options, Advice & Advocacy Service 01670 784846 See main entry on page 96, page 67 and ads on pages 12,40 and 92. Age UK Northumberland, Home Care Service 01670 784800 www.ageuk.org.uk/northumberland/ Provides personal care at home either on behalf of Northumbria Healthcare, through a care manager or privately. See also page 42 Reaction Independent Living Shopping Project.

See more at www.goldenguide.org.uk

Finding Out About Care

Care Quality Commission

Shelter North East

03000 61 61 61

0344 515 1601 Specialist telephone and face to face housing advice and they have a housing solicitor too. They advise on homelessness, evictions, repossession, rent arrears etc.

enquiries@cqc.org.uk www.cqc.org.uk Regulates adult health and social care services. Their lists of care services, care homes, hospitals, dentists etc show results of quality inspections. Not a complaints service, but if you have a concern about someone’s welfare they will signpost you on and also pass details to the inspector. Carers Direct 0300 123 1053

www.which.co.uk/elderly-care Free, independent advice on care including financing care, housing options, benefits and allowances, and legal requirements. See also pages 103-106 for sources of financial help and advice on legal issues.

See main entry on page 88. First Stop 0800 377 7070 www.firststop.org.uk www.housingcare.org Advice on all care issues and on making choices e.g. housing, types of care, relevant legal and financial issues, home adaptations etc. Shelter Housing Advice Helpline 0808 800 4444 Freephone www.shelter.org.uk National helpline weekdays 8.00am— 8.00pm, weekends 8.00am—5.00pm all year.

2017

North East daily living guide for over 50s

Home Care service praised Information & Advice service Care at home you can trust We’re delighted to reveal the Care Quality Commission

feedback on our Home Care Service following their Free confidential, impartial and independent advice a Age UK Northumberland is founded on providing unannounced inspection: trusted service byservice localtold people forwere local people. ‘Without exception, us they treated Face-to-face welfare Information & Advicepeople respectfully and that their privacy and dignity was rights service Forofthe their families, All ourover-50s, Care at Home support is personalised to meet the needs of the individual and is maintained as far as possible.’ • Benefit checks carers and organisations. fully ﬂexible, because life is like that, things change! • Welfare benefits, grants and entitlements • Community, residential and social care • Housing and home adaptations • Disability issues and aids • Local leisure, health and educational activities • Wills, Powers of Attorney, family protection trusts • Local trader register ‘I get good care… they do everything Open 10am–1pm they can to help me’

• Form completion

About our Homethe Care service So whether • Appeals to Delivered byneeds caring, tribunal well trained support are: -

Home•Care Attendants, ourtribunal Appeals to upper

• Personal Care service is available to • Home • adaptable Domestic and visits Housekeeping who would like help • local Mealpeople Preparation home. Open 9am–5pm • atHelp with Medication collection and ordering) It(including can Tuesday–Thursday include: • Companionship 511 571 • Help 01665 with bathing, dressing and • Days out for shopping and community access other personal care • Helping with important health appointments • • Escorted Overnightenabling support and

support ...Tocarer mention but a few ways we can help! • Help with getting up or going

All of our services are available 7 days a week, beda year. 365todays • Shopping or escorted shopping Why not ask about our Social and Lunch Clubs too!

Monday–Thursday 08450 950 or 01665 605 707 Please call150 us on 01670 784800

Where a friendly local voice will be able to help For more information, call 01670 784 800 or email info@ageuk-northumberland.org.uk

Age UK Age UK Northumberland Northumberland

info@ageuk-northumberland.org.uk info@ageuk-northumberland.org.uk www.ageuk.org.uk/northumberland/ www.ageuk-northumberland.org.uk 90

See more at www.goldenguide.org.uk

Registered charity number 1072394. IDBB290 11/11

Finding Out About Care

EQUIPMENT FOR INDEPENDENT LIVING Many simple aids are available from high street chemists or shops. In some cases Adult Social Care or health staff may be able to arrange equipment e.g. To make sure you are safe moving around your house or to help you move safely home from hospital. See page 44 for Disabled Facilities Grant. Disabled Living Foundation 0300 999 0004 www.dlf.org.uk www.livingmadeeasy.org.uk Independent advice and directory of specialist suppliers. Disability North 0191 284 0480 www.disabilitynorth.org.uk Advice on independent living includes housing, holidays, mobility aids and equipment. Also advice on benefit claims and help with appeals, rights to services etc. Ring before a visit, or make an appointment with an independent living therapist or benefits adviser.

Red Cross Equipment Loan 0191 273 7961 www.redcross.org.uk Wheelchair and commode loans from depots in Newcastle or Hexham. Sometimes second hand wheelchairs are available to buy.

PERSONAL ALARM SYSTEMS If you live alone or are concerned about home safety, falls or accidents, you can be connected to a community alarm service so there is always someone you can call for help. Tenants in older peopleâ&#x20AC;&#x2122;s housing may find the service is offered automatically, but it is easily installed for residents in all kinds of housing. Telecare Telecare extends the basic alarm system by adding various sensors. There are detectors for falls, floods, gas leaks, bed occupancy etc. The Council runs its own Telecare system, there is usually a charge for this. There are also a number of other providers. Contact Adult Social Care Service on 01670 536400, or ring one of the following: Age UK Northumberland Personal Alarm 01670 784800 www.ageuk.org.uk/northumberland

2017

North East daily living guide for over 50s

MEALS Bell View Care, Belford 01668 219221 DJS Telecare

www.bellviewbelford.co.uk Fresh and frozen meal delivery service

01670 618619 or

around the local area.

info@djstelecare.co.uk www.djstelecare.co.uk

Copper Kettle CafĂŠ, 7 Town Centre,

Lintonville Terrace, Ashington,

DJSTelecareltd

NE63 9UN They are flexible about personal preferences and offer options ranging from simple links to a family member, right through to 24/7 monitoring coverage. Their stylish, high quality equipment works in the house or garden, and they are happy to visit and demonstrate the system to you and your family. Equipment includes smoke, heat, co2 and fall detectors. See also ad on page 87.

01670 815568 Hot meals freshly cooked at the cafĂŠ and delivered around Ashington, Guidepost and Stakeford. Something different every day for older people and people with disabilities, no need for referral. Meals with Care, Royal Voluntary Service 01668 260248 www.royalvoluntaryservice.org.uk If you live close to one of their social centres they may be able to deliver meals to you at home, or else put you in touch with their frozen meals service.

Valley Care 01670 827100 www.northumberland.gov.uk Northumberland County Council alarm and Telecare service. Operates countywide

See more at www.goldenguide.org.uk

Finding Out About Care

ROYAL HAMPTON CROWN CARE

2017

North East daily living guide for over 50s

RETIREMENT OR SHELTERED HOUSING

RESIDENTIAL & NURSING CARE

The local authority and housing associations provide a variety of bungalows and flats to rent or to purchase through shared ownership. Usually with an alarm system and communal facilities e.g. laundry, lounge, and sometimes with warden support. There are also private companies that offer apartments for sale in schemes with a variety of additional facilities.

Care homes provide care, accommodation and board for people who need a high level of support. They are required by law to be registered with the Care Quality Commission (CQC).

Northumberland County Council 0345 600 6400 www.northumberland.gov.uk Contact them for housing advice and options whether you live in public or private housing. Northumberland Homefinder 0345 600 6400 www.northumberlandhomefinder. org.uk Housing allocation service for Northumberland gives you information about how to apply, and help applying if you need it.

If you live in Northumberland and need this level of care you can get financial support from Adult Social Care if you cannot afford the fees. There are two sources of information about quality ratings for care homes. â&#x20AC;˘ A list of registered care homes with information about services offered and their quality is available on the CQC website. (See page 91.) â&#x20AC;˘ A list of registered care homes in Northumberland, with the council quality banding is available on the council website. www. northumberland.gov.uk/carehomes Age UK Northumberland, Housing & Social Care Options Advice & Advocacy Service 01670 784846 www.ageuk.org.uk/northumberland/ Free face to face advice and advocacy for owner occupiers and tenants on housing, social care and staying independent. See also page 69 Advocacy.

See more at www.goldenguide.org.uk

Money Matters

05 MONEY MATTERS If you are close to retiring or have already retired, you will be keeping an eye on your financial position. Careful planning and the right advice will help you achieve the best income you can. Use our suggestions here to find contacts for specialist advice and information.

HELP WITH PENSIONS State Pension age is currently 65 for men and for women it increases gradually to 65 between April 2016 and November 2018. In April 2016 the Single Tier State Pension came into effect. The Additional State Pension has been removed but the flat-rate is higher. It only applies to those who reached state pension age on or after 6 April 2016. For people older than this the system of basic flat-rate pension plus Additional State pension remains in operation.

What you get depends on the number of years of National Insurance contributions you have paid. You may be eligible to buy missing years to boost the total. Or you may qualify for NI credits if you were unable to pay contributions e.g. whilst raising a family or as a carer. Even if you have other entitlements, or an occupational or personal pension you may still qualify for Pension Credit to top up the total. See overleaf for how to get an estimate of what you are entitled to contact:

2017

North East daily living guide for over 50s

Future Pension Centre

The Pension Service

0345 3000 168

0345 60 60 265

0345 3000 169 textphone

0345 60 60 285 textphone

www.gov.uk/check-state-pension Ring to request a Pension Statement. This estimates your pension total at the time of request, based on National Insurance contributions. Donâ&#x20AC;&#x2122;t leave it late, you can ring years ahead to allow time to plan your finances, buy in missing contributions or sort out any queries in advance.

www.gov.uk/state-pension

See also page 36 Working after Retirement.

0800 99 1234

HMRC National Insurance 0300 200 3500 0300 200 3519 www.hmrc.gov.uk/ni

www.gov.uk/new-state-pension For all general enquiries about State Pension, eligibility, change of circumstances etc. They can organise home visits from the local team in certain circumstances. Pension Credit Application Line 0800 169 0133 textphone www.gov.uk/pension-credit For queries about entitlement, applications or change of circumstances. Pensionwise 0800 138 3944 telephone

PENSION CLAIMS The Pension Service contact you within four months of you reaching State Pension Age and then you must make a claim. You can defer your pension to get a higher weekly amount. New Pension Claims 0300 731 7898

appointments 0191 270 4485 face to face appointments www.pensionwise.gov.uk Free service offers impartial guidance for over 50s who have defined contribution pensions. They explain the options, associated pros and cons, tax implications and scams.

0300 731 7339 textphone www.gov.uk/state-pension/how-to-cl aim Ring to make a claim and your application can be completed over the phone. You can also claim online, or by post.

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Money Matters

The Pensions Advisory Service (TPAS)

WELFARE BENEFIT INFORMATION

0300 123 1047

www.gov.uk/financial-help-disabled

www.pensionsadvisoryservice.org.uk Independent service gives information on all aspects of pensions, whether state, occupational or private. They can help with disputes about private pensions, but do not give financial advice. Pension Tracing Service 0345 600 2537 0345 3000 159 textphone www.gov.uk/find-lost-pension They help trace schemes you may have paid into and lost touch with. Post Office Card Account 0345 722 3344 0345 722 3355 typetalk www.postoffice.co.uk/post-officecard-account A simple account for receipt of pensions, benefits or tax credits only. You use a plastic card and pin number to withdraw cash at any branch. If someone else collects your money for you, you can ask for a second card.

Disability Benefits www.gov.uk/disability-benefitshelpline • Disability Living Allowance (DLA)

0345 712 3456 if born after 1948

0345 722 4433 textphone

• Attendance Allowance

also DLA queries if born

before 1948

0345 605 6055

0345 604 5312 textphone

• PIP (Personal Independence Payment)

0345 850 3322

0345 601 6677 textphone • PIP New Claims

0800 917 2222

0800 917 7777 textphone

See also page 88 Carer’s Allowance Unit. Jobcentre Plus Benefit Enquiries 0345 608 8545 0345 608 8551 textphone www.gov.uk/browse/benefits You can check your entitlements online at http://benefits-calculator. turn2us.org.uk See also page 36 on Working after Retirement.

OVER 65? SUFFERING FROM AN ILLNESS OR DISABILITY AND STRUGGLING TO MANAGE AT HOME? 2016

North East daily living guide for over 50s

There are many people who need help to live safely in their own home or to get out but cannot afford to pay for it.

…Attendance Allowance could be the answer… WHAT IS IT? Northumbria Healthcare NHS Foundation Trust in partnership with Northumberland County Council want to make sure residents are aware of the support they are entitled to. Attendance Allowance is financial help for people who have extra costs because of their long term health problems or disability. You don’t need to be receiving any help from social services, it isn’t taken off other benefits, and it doesn’t matter how much your pension or savings are. It is paid at one of two weekly rates, £55.65 or £83.10 (from April 2017), and is based on the help a person needs rather than their condition. WHAT CAN I SPEND IT ON? It’s entirely up to you. Some people use it to help with heating costs or to pay someone to help them at home. Others buy equipment to help them manage everyday tasks or to pay for trips to visit friends or to go to the shops.

“I WOULD ENCOURAGE AS MANY PEOPLE AS POSSIBLE TO SEE IF THEY ARE ELIGIBLE FOR THIS BENEFIT AS IT REALLY DOES MAKE SUCH A DIFFERENCE TO MY LIFE. I ALSO USE IT TO PAY FOR TRANSPORT TO LOCAL EVENTS, AND TO PAY FOR A CLEANER ONCE A WEEK.”

To find out more about Attendance Allowance please visit www.direct.gov.uk or call the Department for Work and Pensions helpline on

0345 605 6055

For independent advice call Age UK Northumberland on (01670) 784821or to contact your local Citizens Advice Bureau call 03444 111 444 or visit www.citizensadvice.org.uk

See more at www.goldenguide.org.uk

Money Matters

MORE MONEY ADVICE Age UK Northumberland 01670 784820 Welfare Rights 01670 784846 Housing & Social Care Options 01670 784821 Telephone Advice www.ageuk.org.uk/northumberland/ Welfare Rights face to face casework service Mon—Thurs 9.00am—5.00pm, Housing and Social Care Options service Mon—Thurs 9.00am—5.00pm. General telephone advice for over 50s, their families, carers and organisations, Mon—Thurs 10.00am— 1.00pm. See also page 67 Age UK Advocacy. Citizens’ Advice Bureau, (CAB) 0345 404 0506 Consumer helpline

CAB Northumberland www.citizensadvice.org.uk/local/ northumberland • Alnwick, 1st Floor Lloyds Bank Chambers,24 Bondgate Within, NE66 1TD. Also at Amble. • Ashington 89-91 Station Road, NE63 8RS. • Berwick, 5 Tweed Street, TD15 1NG. Also at Wooler. • Blyth, Eric Tolhurst Centre, 3-13 Quay Road, Byth NE24 2AS. Also at Seaton Delaval and Cramlington. NB Blyth CAB will change address during 2017. • Hexham, Community Centre, Gilesgate, NE46 3NP. Also at Prudhoe and Haltwhistle. • Morpeth, 28-32 Bridge Street, Morpeth, NE61 1NL. Also at Hadston

0344 411 1444 Adviceline www.citizensadvice.org.uk Advice on debt, benefits, tax, housing, fuel, consumer and other issues. Branches open for limited hours and may offer appointments, drop-in sessions and a telephone service, although they all differ. Your local branch will also know where sessions run in other community venues. Use the Adviceline for CAB advice Mon— Fri 10.00am—4.00pm.

Money Advice Service 0800 138 7777 www.moneyadviceservice.org.uk Free unbiased advice on retirement plans and budgeting as well as financial products e.g. Insurance, savings options, annuities etc.

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SSAFA Forces Help (Soldiers, Sailors, Airmen and Families Association Est. 1885)

SSAFA is the UK’s oldest Armed Forces charity, with Whether left theworking services yesterday some 7,000you volunteers in our networksor of over sixty years ago, we havetoa provide network of branches and service committees practical, emotional and financial support staff to anyone whoservice has volunteers and professional to help ever served and their dependants. men and women and their families. SSAFA Forces Help - How we Help People Our volunteers act as for Help. Whether you are either serving or a veteran knowledgableEligibility and confidential friends, very often working with veterans as long as you have received one day’s pay you and your dependants are and their families, including widows and widowers. eligible for help. Financial Help Sometimes we simply give support and advice, but in many cases our help includes drawing together package of financial help: How we Help People. We listen,aadvise and support. The help we offer can include the provision of financial assistance where there is real • From service need. benevolent For full detailsfunds of the help we provide contact us or visit our web site: www.ssafa.org.uk • From other charities • From financial grants • By obtaining appropriate state benefit Help Line: 0800 731 4880 Forcesline - Confidential Forcesline is SSAFA’s 24-hour telephone service providing free confidential listening, information and 0800 signposting service personnel, veterans, their Confidential Support Line: 731to4880 families, and professionals who are looking for support, assistance or just a listening ear for help and advice.

or, email the website at: www.ssafa.org.uk

The Northumberland Branch. The branch is a wholly Family Escortvolunteer Service organisation Volunteers with accompany service families anddivisions caseworkers organised into five dependants travelling and within the UK who have compassionate covering allto, of from Northumberland: Berwick, Alnwick, Castle Morpeth and Blythe and Tynedale. needs, or whoWansbeck, would find public transport difficult. Northumberland Branch Run by volunteers from the President to our us. If youin: need help, know someoneBerwick who needs help,Tweed want caseworkers,Contact we have divisions Alnwick, Ashington, upon to either donate or volunteer to help please contact David Pryer, Branch Blyth, Hexham and Morpeth Secretariat Northumberland:

To contact them, do not hesitate to call me on 01665 576 756 or email northumberlandpao@gmail.com Major Brian William Finlayson, Northumberland Branch

David Pryer

Don’t delay - call us

Registered Charity number 210760

01661 825267 david.pryer1@btinternet.com 100

Registered Charity - 210760 Registered Charity (Scotland) - SCO38056

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Money Matters

CREDIT UNIONS Credit unions are owned and run by their members. They are an alternative to banks, building societies and high-interest loan providers and offer cheap loans and an easy way to save, including by cheque, online banking or paying in points. Credit Union of South East Northumberland 01670 522779 or 01670 797283 www.cusen.co.uk Individual and group sessions on reducing spending. Benefit checks. Northumberland Credit Union Ltd. 01670 503666 www.ncul.co.uk Paying in points from Berwick to Hexham, as well as alternative ways to save. Tynedale Community Bank 01207 284851 www.tynedalecommunitybank.org.uk Countywide service offers uncomplicated lending and saving with a personal community aspect.

FINANCIAL SUPPORT CISWO (Coal Industry Social Welfare Organisation) 0191 477 7242 www.ciswo.org.uk Help and advice on benefits, pensions and in some cases financial support if you are eligible. Turn2Us 0808 802 2000 www.turn2us.org.uk Helps people in financial difficulty access grants, benefits or other financial support. Benefit calculator online or benefit checks over the phone. Royal British Legion 0808 802 8080 www.britishlegion.org.uk Financial and welfare help for ex-Financial and welfare help for exservice members and families. Pop-in Centre for advice at 99-103 Grainger Street, Newcastle, NE1 5AE. SSAFA The Armed Forces Charity 0800 731 4880 Forcesline helpline 01661 825267 David Pryer, Northumberland www.ssafa.org.uk Financial, practical and emotional support for those with a forces connection.

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DEBT

Veterans UK 0808 1914 218 0141 224 2709 regional service www.gov.uk/government/ organisations/veterans-uk Help with welfare problems, including benefits, pension claims and compensation. Also supports inservice personnel. Society of Later Life Advisers 0333 2020 454 www.societyoflaterlifeadvisers.co.uk Lists of accredited financial advisers specialising in later life advice e.g. equity release, care funding, pensions, tax planning etc.

CAB Northumberland Telephone Debt Advice 0300 303 1931 Specialist debt advisers are based in most of the CAB offices and can give confidential advice on debt and budgeting. They can help with insolvency measures and make referrals for help with insolvency fees. See also page 101 Citizens Advice Bureaux. National Debtline 0808 808 4000 www.nationaldebtline.org Step Change Debt Charity 0800 138 1111 freephone www.stepchange.org

104

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Money Matters

LEGAL AFFAIRS

TAX

Age UK Legal Service

HMRC Taxes Helpline

0800 055 6314

0300 200 3300 0300 200 3319 textphone

www.hmrc.gov.uk Advice on any tax issue - tax after retirement, refunds, codes etc. If you are eligible they may be able to visit you at home through their enhanced support service. HMRC National Insurance 0300 200 3500 0300 200 3519 textphone www.hmrc.gov.uk/ni HMRC Probate, Inheritance Tax & Trusts 0300 123 1072 www.gov.uk/wills-probate-inheritance Taxaid 0345 120 3779 www.taxaid.org.uk Free tax advice for people on low incomes whose problems cannot be resolved by HMRC. Helpline Mon—Fri 10.00am—12.00pm. Tax Help for Older People 01308 488066 www.taxvol.org.uk Free professional tax advice for older people on lower incomes. Help with

www.ageuk.org.uk Free initial legal consultation. If you wish to proceed they explain the costs and carry out the work by post and telephone. Includes Wills and Power of Attorney documents. Civil Legal Advice 0345 345 4345 0345 609 6677 minicom www.gov.uk/civil-legal-advice www.gov.uk/check-legal-aid Free legal advice if you are eligible for Legal Aid. If you are not eligible they will signpost you to someone who can help. They cover issues concerned with debt, housing, family problems, education, discrimination and if you’ve been accused of a crime. Disability Law Service 0207 791 9800 www.dls.org.uk Free legal advice for disabled and deaf people on community care issues, welfare benefits, employment, education and disability discrimination. They have a specialist MS officer.

PAYE codes, tax returns etc.

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CONSUMER ADVICE

Legal Ombudsman 300 555 0333 18002 0300 555 0333 minicom text phone www.legalombudsman.org.uk Impartial free service for complaints against solicitors, barristers, conveyancers, claims management companies etc.

Citizens Advice Consumer Helpline 03454 04 05 06 www.adviceguide.org.uk Impartial advice on goods and services, your rights and help with making a complaint. Covers gas and electricity, mail, faulty goods, scams, online shopping, finances etc. Or

Mind Legal Line

contact your local Citizens Advice

0300 466 6463 www.mind.org.uk Legal information and general advice on mental health related law, covering mental health, mental capacity, community care etc. Solicitors for the Elderly 0844 567 6173 www.solicitorsfortheelderly.com Lawyers specialising in older peopleâ&#x20AC;&#x2122;s issues e.g. wills, paying for care, tax planning, probate etc. Home visits, large print documents and they take time to explain all the issues.

Bureaux. See page 101. Rica 0207 427 2460 www.rica.org.uk Consumer research for older and disabled people provides free product reports. Recent topics include safe driving for older drivers, choosing central heating controls, cookers, bathing aids and technology. They say donâ&#x20AC;&#x2122;t be shy about asking to try products in the shop. Telephone Preference Service 0345 070 0707 TPS registration line www.tpsonline.org.uk Free official service reduces unsolicited sales calls. TPS cannot stop recorded messages, silent calls, scam calls or genuine market researchâ&#x20AC;&#x201D; only live direct selling calls.

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Money Matters

Mail Preference Service, FREEPOST 29, LON20771, London W1E 0ZT 0207 291 3310 www.mpsonline.org.uk Register by post to have your name and address removed from direct marketing lists. You can also reduce unaddressed mailâ&#x20AC;&#x201D;ring 0207 291 3300 and ask for the Your Choice option. Watchdog, BBC www.bbc.co.uk/consumer Consumer advice TV programme publishes its consumer reports and information on the website. Includes finance, insurance, energy bills motoring, rogue traders, scams etc.

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NORTHUMBERLAND TRADING STANDARDS SERVICE What to watch out for in Northumberland SCAMS

CARAVAN PARKS

Don’t respond to letters, phone calls or e-mails offering prize draws, holidays, computer repairs, horoscopes or investments. If you are asked to phone a number to claim a prize—don’t ring, it’s usually a premium rate number and the prize is rubbish.

If you’re thinking of buying a residential caravan make sure you:

Put the phone down on anyone offering insurance, PPI rebates or council tax regradings and never give your bank or credit card details over the phone. Don’t discuss anything private—just ring off, you’re not being rude.

DOORSTEP TRADERS They deal in household repairs, hardware products and quite often in fish. Do not buy at the door. Buy goods and services from local, reputable businesses who offer better products at better prices and are contactable if there is a problem later.

108

• Check the site owners belong to the British Holiday and Home Parks Association (BHHPA). • Check the contract for service and site maintenance charges. • Make very sure of pitch fees, how increases are calculated and if the contract must be renewed annually. • Check the rates of commission and disconnection fees for when you want to sell your caravan. • Check the site’s safety features are up to date and talk to other residents about their experience there.

For problems with goods or services bought at the door, or with your caravan contract, call the Citizens Advice Consumer Advice Service, 03454 04 05 06

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2017

North East daily living guide for over 50s

NOTES

110

See more at www.goldenguide.org.uk

NOTES

111

North East daily living guide for over 50s

2017

06 INDEX OUT & ABOUT...................................................................................... 06 Community

Community Groups

Older Persons’ Forums

Women’s Groups

Men’s Groups

Community Centres Village Halls

Lunch Clubs

Churches

Arts and Crafts

Gardens

Writing & Media

Music

Pipers

Theatre

Sports & Leisure Centres

Active Northumberland Centres

Other Centres

Walking Groups

More Outdoor Activities

Lifelong Learning

Computer Courses & Internet for Beginners

Distance Learning & Open Learning

Northumberland Libraries

Volunteering

Working after Retirement

Starting a Business

Transport

Blue Badge Parking Scheme

Mobility Schemes

Journey Planning

Community Transport Schemes

HOME & COMMUNITY........................................................................ 44 Home Adaptations

Disabled Facilities Grant

Low Cost Furnishings

Warmth and Energy Efficiency

Home Security

112

See more at www.goldenguide.org.uk

INDEX Bogus Callers, Scams

Anti Social Behaviour, Disability Hate Crime

Domestic Violence & Abuse

MPs in Northumberland

The

MONEYMAKER Issue Growing Your Cash Pruning Your Spend

57 59 62

HEALTH & WELLBEING.......................................................................... 65 NHS111

Out of Hours

Hospitals

Health Information

Dental Care

Pharmacy

Podiatry

Dealing with Concerns

Help with Health Costs

Stopping Smoking

Alcohol or Drugs problems

Mental Health

Befriending Schemes

Bereavement

More Support Groups

FINDING OUT ABOUT CARE................................................................. 86 Support for Carers

Carersâ&#x20AC;&#x2122; Helplines

Staying at Home with Help

More Help with Independent Living

Equipment for Independent Living

Personal Alarm Systems

Meals

Retirement or Sheltered Housing

Residential and Nursing Care

113

2017

North East daily living guide for over 50s

INDEX MONEY MATTERS................................................................................. 97 Help with Pensions

Pension Claims

Welfare Benefit Information

More Money Advice

101

Credit Unions

103

Financial Support

103

Debt

104

Tax

105

Legal Affairs

105

Consumer Advice

106

Northumberland Trading Standards Service

108

114

See more at www.goldenguide.org.uk

07 KEY CONTACT NUMBERS Adult Social Care Service............................................................................................... 01670 536400 Age UK Northumberland................................................................................................. 01670 784800 Age UK Northumberland Advice Line.................................................................... 01670 784821 CAB Northumberland.......................................................................................................03444 411 444 Civil Legal Advice............................................................................... 0345 345 4345 Healthwatch............................................................................................................................03332 408 468 NHS 111 and Out of Hours Help.......................................................................................................... 111 Northumberland County Council Customer Contact Centre.............0345 600 6400 Northumbria Healthcare NHS Foundation Trust............................... 0344 811 8111 Northumbria Police Non-emergency Enquiries....................................................................... 101 PALS Service........................................................................................................................... 0800 032 02 02 Pension Service.................................................................................................................... 0345 60 60 265 Samaritans............................................................................................................................................... 116 123

115

Healthwatch Northumberland is the consumer champion for health and social care. It is here to listen to and help people who have concerns, questions or comments about these services in the county and make sure their voice is heard. Healthwatch Northumberland has real influence, as it works closely with those who commission and provide local health and social care services. If you need Healthwatch Northumberlandâ&#x20AC;&#x2122;s help to find information, or support to make a complaint about an NHS service,ring 03332 408 468 (local call rate).

If you would like to become a supporter, be kept up to date or at www.goldenguide.org.uk become a volunteer, See go more to www.healthwatchnorthumberland.co.uk or call 03332 408 468 (local call rate).