EssentialsMAG July 2022 Bangor on Dee/Overton/Garden Village/Borras

Your monthly local community magazine

July 2022

MAG

essentials

FR EE

★ Shop local ★ Eat local ★ Spend local ★ Enjoy local ★

www.essentialsmag.co.uk

Kitchens • Bedrooms • Home Office Design and Install

Contact Sam on: 07739 978849 to arrange an in-store or home consultation 1 Mill Street WHITCHURCH Shropshire SY13 1SE

Mount Street Retail Park Mount Street WREXHAM LL13 8DW

www.coloursupplies.com

1-3 Caia Road WREXHAM LL13 8DS

Whittington Road OSWESTRY Shropshire SY11 1HZ

Registered Office: 1 Mill Street, Whitchurch, Shropshire SY13 1SE T: 01948 665353 | Company No. 2152345 | VAT No. 477 1293 25

Welcome...

Welcome to our July issue!

July marks the start of the long break for pupils, students and teachers across the UK and it’s anticipated that millions of us will be jetting off on holiday for sand, sea and sunshine.

It's also Plastic Free July, which has grown from a small campaign that started in 2011 in Australia to a global phenomenon around the world with millions of participants from numerous countries – no doubt helped by the recent focus on the climate crisis. The purpose of the campaign is to not only highlight the damage that single-use plastics can do, but also to provide resources and ideas to help us reduce our plastic waste every day.

To find out how you can take part, please visit: www.plasticfreejuly.org.

Whatever July has in store for you, I hope you manage to have at least a short break away from your daily routine. And even if you can’t jump on a plane to somewhere warm and exotic, our region is abundant with beautiful and inspirational places to enjoy, where you can relax, get up close with nature, and feed your body and soul.

Have a great month!

All the best, Vicky Heathfield EMAIL: vicky@essentialsmag.co.uk CALL: 01978 855459

www.essentialsmag.co.uk

Cover Image: Summertime!

August Deadlines: Editorial - 15th July Advertising - 22nd July

We’ve got the local area covered!

Delivered by hand to 7,600 homes and businesses more than any other magazine in our area.

Garden Village, Borras, Pandy, Acton, Bangor-on-Dee, Overton, Penley, Hanmer, Marchwiel, Tallarn Green, Cross Lanes, Worthenbury, Pentre Maelor Also available at 25+ pick-up points across the region.

You can also read our magazines online at: www.essentialsmag.co.uk EssentialsMAG is published by Essentials MAG Limited, a local independent publishing company. All content within the publication is copyright of Essentials MAG Limited.

The publishers cannot accept responsibility for views or opinions expressed by contributors or for the accuracy of claims made by the advertisers. All dates, times, URLs and phone numbers are understood to be correct at the time of submission to print. © EssentialsMAG Limited 2022.

Follow us today and stay updated locally @EssentialsMagWrexham @EssentialsMAG1

Local News Gresford Gymnast is Going for Gold!

18 year old, Jacob Edwards, from Gresford, has been chosen to represent Wales in the Commonwealth Games. The ex-Darland High School pupil is one of 13 athletes announced

by Gymnastics Wales who will represent the country at the forthcoming Commonwealth Games in Birmingham.

Jacob trains at Olympus Gymnastics Club, in Llay, under the watchful eyes of his mother, Julie, and father, Paul – who is also a Brevet judge and has officiated at four previous Commonwealth Games. On the day it was announced, Olympus Gymnastics Club posted on Facebook: “He has only gone and done it! We are so excited to announce that Jacob has been selected to represent Wales at the Commonwealth Games. We are so proud of you Jake!! All of your hard work has well and truly paid off and we can’t wait to see you on the main stage representing your country.”

The 2022 Commonwealth Games will take place between 28th July and 8th August.

Good luck Jacob!

Welsh sport fans are being asked to sign a register of support to bring international football and rugby back to North Wales at the Racecourse Ground, Wrexham.

To realise this ambition, Wrexham Council have made a levelling up application called “The Wrexham Gateway” which includes funding for a new 5,500 seater stand, improved media, broadcast and floodlight facilities, a 400 space multi-storey car park and ground works for a convention centre and hotel. The bid includes a mixture of public and private funding to achieve its ambition. Currently there are no facilities in the north of Wales that are capable of hosting international football or rugby, so funding is vital if North Wales is to realise its ambition of having facilities at the Racecourse ground capable of hosting international sport.

For further information and to sign the register of support, please visit: https://www.wrexhamafc.co.uk/news/2022/june/stadium-news--the-kop/

Image: Wrexham AFC

Redevelopment of the Racecourse

Events at The Oteley Estate A farming estate in Ellesmere is set to hold monthly market days over the year. Each month their idyllic stable yard will be transformed into a marketplace, with local businesses taking up stands selling food, drink, and gifts. Their home reared beef, pork, lamb and fresh produce will also be on sale.

The markets will be open from 10am until 5pm on the following dates: Saturday 9th July, Saturday 13th August, Saturday 10th September, Saturday 8th October, and Saturday 12th November. They will hold an evening Christmas Market on Thursday 1st December.

For a small fee, visitors can also explore the secret gardens that surround the mere. The 1 0 acres of private gardens includes woodland, a boathouse, walled garden, tower, swiss cottage and a stunning view across the mere.

The Oteley Estate has just launched a weekly pop-up café and farm shop every Thursday from 10am until 4pm. The farm will open up its pretty stable yard for customers to enjoy quality coffee and refreshments, with their home-grown meat and produce also on sale.

For more information visit: www.oteley.com.

Share Your Memories of Wrexham Library The Wrexham Library building is 50 years old this year! In December 1972, Wrexham Library opened its doors to the people of Wrexham.

To celebrate this milestone, Wrexham Library are holding an exhibition to showcase the Library over the years and they need your help.

Do you have a story to tell about the library and photos or memorabilia?

Maybe it brings back fond family memories? Do you remember your first visit? Maybe you saw it opening? Do you have any photographs of the library over the years that you would like to be part of the exhibition? Perhaps you have some memorabilia – certificates, original library cards or leaflet from events?

If you have a story or something that could be used as part of the exhibition, you can take it along to your local library, call 01978 292090 or email library@wrexham.gov.uk.

The exhibition will be on display later this year. Details to follow.

Share your news with us: www.essentialsmag.co.uk/article

The End of Innovation?

By EssentialsMAG tech contributor DAVID HUGHES In 2008, Apple introduced the iPhone.

At the time, it was seen as a huge technological advancement, not just within the then-fairly-niche smartphone market, but the whole world of technology.

It spurred on competitors to catch up and go beyond, and ushered in a new age of continuous connectivity — for good or for bad, you decide.

But even before that, we had the graphical user interface (like Microsoft Windows); Sir Tim Berners-Lee gave us the World Wide Web; Mark Zuckerberg gave us Facebook; Jeff Bezos gave us Amazon.

All of these, and many others besides, could be seen in their own way as giant leaps forward in technology, connectivity and service.

But without delving deeper into technical specifics, and the microchips that most of the above run on, when you just consider it, purely from the lay person’s perspective, what true innovations have happened recently? Has innovation actually stalled?

Have we reached a point where iteration trumps innovation?

Well, it might be true to say that—within the everyday consumer technology market at least—there hasn’t been a leap as big as the iPhone since… the iPhone. But that doesn’t mean there isn’t technological advancements happening. Some examples:

Car companies, spurred on by relativenewcomers like Tesla, are introducing increasingly capable electric cars. The infrastructure to support these vehicles grows daily, and within a decade it seems highly likely that the majority of vehicles on the road will be electric.

Augmented and virtual reality (AR and VR) could be ‘the next big thing’ from companies like Apple, Google and Facebook in the next 12 months or so.

All three are rumoured to be working on AR/VR headsets, potentially in the form of standard glasses.

And the space race is back on… but this time, between private companies like SpaceX, Blue Origin and Boeing. In the last few years, SpaceX has developed the technology to return rocket boosters to Earth after each flight, vastly improving the reusability and cost-efficiency of space transportation. The goal: to make spaceflight equivalent to standard flight and, in the not too-distant future, the colonisation of Mars.

So, in my opinion, we are not at the end of innovation. We just need to remember that “overnight” leaps are rare, and that true technological advancement often takes time.

EssentialsMAG tech contributor is David Hughes a freelance web developer Tel: 07595 303418 www.davidhughes.co

SALE NOW ON - CALL TODAY

01248 295 015

Who’s Looking After Your Pets?

It’s holiday season! Time to pack your suitcase and head off for some much needed rest and relaxation! Maybe a lovely break in pet friendly accommodation! But what happens if you can’t take them with you? Who is going to look after your pets?

You may be fortunate enough to have family, friends or a neighbour who can look after your pets whilst you are away but what will you do if there’s no one available?

Traditionally, dogs have gone to kennels and cats to the cattery, but what about your parrot, goldfish or pet snake?

Thankfully, there are other options!

Some people offer home boarding for dogs and cats – they are licensed by the local authority and have robust policies in place about vaccination status and whether they have been neutered etc. These type of places, home from home, are ideal for your beloved pooch, but unfortunately they have limited spaces and get booked up really quickly! Rabbits and other small animals can also be home boarded and this can be a great solution!

Instead of boarding your pets in someone else’s home, you may opt for someone to stay in your home whilst you are gone. This is an expensive choice but could be perfect for you, especially if you have dogs or horses that require a lot of exercise and care with the added bonus of keeping your property secure. Some companies also offer gardening and cleaning services!

DoggyBizzNizz Bespok e Pet Services

Pet Sitting•Dog Wa lki

One of the most flexible options is to book a pet sitter. Pet sitters visit your home and your pet at agreed times to provide company and feeding and to check on their general welfare. They will also open/close curtains, put post safe, water plants and put the bins out, so it appears that your property is occupied. Most pet sitters will have pet business insurance and have had DBS checks and some will have Pet First Aid certification for added peace of mind.

Pet sitters are particularly ideal for cats who mostly prefer to stay at home but they can also look after a variety of other pets such as caged or aviary birds, rabbits, fish, reptiles and other exotics, allowing them to keep to their routine and stay in familiar surroundings!

Stay safe and healthy! Always remember to consult your Vet if you have any concerns about your pet!

DoggyBizzNizz 5 Anniversary Special Offer! th

10% discount for new pet sitting customers when six or more visits are booked by 31st December 2022!

Use offer code: PET10 when booking.

EssentialsMAG pet care contributor is Karen Volger, from DoggyBizzNizz www.facebook.com/doggybizznizz Mobile: 07488 270386 e-mail: karen@doggybizznizz.com

Borderbrook AVC Primary School Tallarn Green village school for children aged 3-11

Together with God, we Live, Love and Learn

Small class sizes

OPEN FOR ADMISSION Please call to arrange to visit our school:

01948 770676 Headteacher Emma Jones Borderbrook AVC Primary School, Tallarn Green, Malpas, Cheshire, SY14 7LJ what3words: ///animates.minivans.crunch

High standards Creative teaching Forest school Nurturing Church school

Enriching Village location www.borderbrook-pri.wrexham.sch.uk @borderbrookschool

Shooting Star Cancer Support

By Mr ROBIN ROOP, Consultant at the Emergency Department (ED) at the Maelor Hospital Supporting cancer patients attending A&E during COVID-19 Emergency departments (EDs), like so many parts of our NHS have been under enormous pressure over the past few years. The COVID pandemic has severely stretched our resources and resolve!

However, we have seen so many good deeds from members of the public as well as our own inter-speciality colleagues that we have hope for better days.

Despite their own challenges, our friends in the Shooting Star Cancer Support team have been able to share their generosity with us in the ED. We are well aware that so many people are affected, either directly or indirectly by some personal tragedy due to cancer, but they are still able to think about helping others.

Due to difficulties in accessing parts of the health system in a timely fashion, many patients turn to the ED and are directed there by their GPs or the Shooting Star unit. To help ease the burden on EDs the Shooting Star Cancer Support team approached the ED to fund a piece of kit that will have an immediate impact on many cancer patients, and also be used to assist others without cancer. This came in the form of a Bladder Scanner.

A simple piece of kit, involving a significant amount of technology that quickly tells us the amount of Urine in a patient’s bladder.

Patients don’t just present to EDs without a reason, they are usually unwell. Cancer patients particularly can have either full bladders or not produce enough urine, both are signs that they are very unwell or deteriorating rapidly. Having an idea of the volume of urine in a patient’s bladder leads to quicker intervention and better management. They do not have to be taken out of the ED, nor do they require radiation from x-rays. The technology is similar to that which bats use to fly and navigate around-ultrasonic rays that bounce off things to show distances and depth.

The training-up of staff to use and care for the machines is relatively quick and straightforward. They all enjoy learning this skill and do value it, using it with care and respect.

The foresight of the Shooting Star Cancer Support team who think about these patients who access care in the ED is commendable. We cannot thank them enough for this generosity!

www.shootingstarcancersupport.co.uk Email: info@shootingstarcancersupport.co.uk Charity Number: 1079693

Dates for your Diary SAT 2 JULY

FRI 8 JULY

SAT 9 JULY

Aldford Village Fete Aldford Village

MUGA Official Opening Ceremony Farndon Community Club, Sibbersfield Lane, Farndon CH3 6NX

Wrexham Street Market Henblas Street, Wrexham LL13 8AD

A fun filled family friendly event in the beautiful village of Aldford. Stalls, food and entertainment.

1pm - 4pm Free

MON 4, 11, 18, 24 JULY

Weekly Outdoor Market Queen’s Square, Wrexham LL11 1AT Weekly outdoor market selling fruit and veg, food, crafts, clothes, bags, plants and more.

9am - 4pm Free

THUR 7, 14, 21, 28 JULY

Burton & Rossett Indoor Bowling Club Rossett & Burton Village Hall, Station Road, Rossett LL12 0HE A small club who meet at Rossett Village Hall every Thursday afternoon.

New members are always welcome, especially those people who are able to assist in putting out the equipment, and then help putting it away at the end of the session.

12:45pm - 3:30pm Tel: 07796 685025

Multi-Use Games Area (MUGA) official opening.

MUGA is a new, modern multi-use sports facility for the community to use.

Wrexham Street Market is held second Saturday of every month. You will find lots of produce, crafts and goods from local traders.

9:30am - 4:30pm Free

7pm farndonmuga.co.uk

SAT 9 JULY FRI 8 JULY

Summer's Evening of Celebration Bellis Brothers Ltd, Wrexham Rd, Holt, Wrexham LL13 9YU Celebrating 15 years of supporting Nightingale House. Enjoy a fizz and canapé reception and an evening of entertainment.

7pm £10.00 (under 5s £5.00) Tel: 01829 270302

SAT 9 JULY

Wonder Day at St Giles Church St Giles Church, Wrexham LL13 7AA Xplore!, St Marks Church and ECLAS are coming together to bring a special day of science activities to St Giles Church.

10:30am - 5:30pm Free

Afternoon Tea, Rossett Rossett & Burton Village Hall, Station Road, Rossett LL12 0HE Afternoon Tea at Rossett Village Hall. All money raised for Christ Church funds, Rossett. Tickets available in advance.

2:30pm -4:30pm £10.00 Tel: 07484 156522

SAT 9 JULY

Maes Y Pant Volunteer Saturday Maes Y Pant, Pant Lane, Gresford LL12 8HB Come and work in the fresh air! There are outdoor tasks suitable for all abilities.

Children welcome, but under 18s must be accompanied by an adult.

10am - 12:30pm Free maes-y-pant.com

While every effort has been made to ensure all the details are correct at the time of going to print, it is advisable to check details with the venue concerned.

SAT 16 JULY

Dee River Kayak Challenge Farndon Bridge, Farndon CH3 6QF This challenge is run by qualified and highly experienced instructors from Dee River Kayaking.

Registration fee is £20.00 and minimum sponsorship amount is £150.00. Boats, paddles, wetsuits, helmets life jackets provided.

9am deeriverkayaking.com

SAT 16 JULY

Wrexham Summer Artisan Market Queen's Square, Wrexham LL11 1AT Local artisan stalls, food and entertainment.

Celebrating everything local in central Wrexham.

10am - 4pm Free

SUN 17 JULY

Penley Church Afternoon Tea Penley Village Hall, Hollybush Lane, Penley, Wrexham LL13 0NH Come along for a lovely afternoon - sandwiches, cakes, tea and coffee.

Music by local talent.

3pm - 5pm £8.00 on the door

For a comprehensive list of local events, shows, groups and classes please visit:

essentialsmag.co.uk/whatson FRI 29 JULY

SUN 31 JULY

Ladies Day Bangor-on-Dee Racecourse, Bangor-onDee, Wrexham LL13 0DA

Eaton Hall Gardens Charity Open Day Eaton Hall, Eccleston, Chester CH4 9ET

Ladies Day is an annual attraction, renowned for celebrating glitz and glamour.

Explore the beautiful gardens at Eaton Hall.

Tickets are pre-book only on the link below.

11:30am - 5:30pm From £7.00 bangorondeeraces.co.uk

10:30am - 5pm £11.98 adult / £3.76 child https://bit.ly/3Jbvj4A

SAT 30 & SUN 31 JULY

SUN 31 JULY

Chester Boat Celebration & Campaign Tower Wharf, Chester

Sunday Social!

Yellow & Blue, 11 Henblas St, Wrexham LL13 8AE

Chester will celebrate the beginning of the Chester Canal by Act of Parliament 250 years ago in 1772, a campaigning gathering of boats around Tower Wharf in the centre of Chester. There will be trade stalls and boats, along with a BBQ stand, ice cream and musical entertainment.

Several canal societies will be on hand to answer questions. Plus there are plans for a special event for children.

Social party for people with a learning disability. Under 18s bring an adult.

Supporters/carers free.

10am - 9:30pm Free

6pm - 8pm £5.00 on the door yellowandblue.org

Share your events with us - it’s FREE! Let us know your events taking place next month so we can feature them. essentialsmag.co.uk /whatson

New To Cruise?

By DELMAR WORLD in Gresford If cruising conjures up visions of evening gowns, formal dinners with crowds of people invading small ports... think again!

Since the pandemic, new cruise ships have arrived (contracted pre-COVID) in all shapes and sizes, many with an innovative approach to informal cruising. River cruising and small ship ocean cruising has boomed.

Why? Well, initially, cruise lines were able to demonstrate their safety protocols and procedures would keep their passengers safe and allow them to enjoy an (almost) carefree social environment. With regular testing in place, scrupulous cleaning regimes gave peace of mind.

Now, we are seeing many families, couples and solos taking to the sea for the first time because prices are attractive due to many new cruise ships being launched and crew needing to serve passengers for the first time in a while.

Value-for-money is difficult to beat with accommodation, meals and entertainment included on most cruises. Get your timing right and you can get yourself a free bar tab as well, with some promotional offers including drinks packages!

The higher end cruise lines may include gratuities and selected excursions, together with other benefits such as spacious suite accommodation as standard and a higher staff to guest ratio.

Worldwide itineraries are attractive and some even include UK back to UK departures so that you don’t even have to visit an airport.

The real secret is choosing the right cruise ship for your style of holiday personality and pocket. Talk to friends who have cruised, get their feedback, go to a cruise event to understand the wide choice of cruises available.* Most importantly, talk to a travel expert.

I know of an award-winning one right on your doorstep!

* SAVE THE DATE for our Cruise and Destination Show at the Double Tree Hilton, Chester on Sunday 9th October 2022

Delmar World are leading travel experts in Worldwide tailor-made holidays & cruises.

Tel: 01978 853 886, www.delmarworld.com 54-56 Chester Road, Gresford, Wrexham LL12 8NE

LET’S TALK TRAVEL

®

To make sure you can look forward to your holiday without stress, we offer a FREE Pre-Departure Service to all our clients to make sure you comply with the COVID travel requirements and that you are fully informed and prepared before your holiday.

WHY USE DELMAR WORLD? We are an Independent Travel Agency - Established 1964 Cruise and Destination Specialists Winner of the Best Small Travel Agency in the North West & North Wales 2021 Talk Travel Appointment Service to make sure you get the best possible advise and guidance with a travel specialist best suited to your destination choice Zoom, telephone or face-to-face appointments available Pre-Departure Service to check your documents and give you peace of mind

Tel: 01978 853 886 • email: sales@delmarworld.co.uk • www.delmarworld.com 54-56 Chester Road, Gresford LL12 8NE

“We have had not just a wonderful time but an absolutely fantastic trip, very emotional and beautiful. Thank you so much for all your help in planning it Samantha, just amazing!” - MRS G, HOLT, WREXHAM

"Once you start sleeping on an Adjustable Bed you'll wonder how you ever slept well without one."

To speak to one of our experienced sales team, call us on:

0800 056 0734

mr g salisbury, wrexham

free local delivery delivered to room of choice old bed removed for £20

comprehensive 5 year manufacturers guarantee

prices start at just £699.99

We'll help you choose the Adjustable Bed to suit your needs. Our adjustables are made in Britain by skilled craftspeople using the finest materials and latest technology.

We are proud to supply our customers with these truly life-enhancing products, which will bring benefits to numerous health issues, or the ultimate in relaxation.

CONTACT US TODAY TO SPEAK TO ONE OF OUR EXPERIENCED SALES TEAM:

North Wales Beds, Mold Road, Gwersyllt Wrexham LL11 4AF NEXT DOOR TO HEART RADIO WITH AMPLE FREE PARKING

Tel: 0800 056 0734 www.northwalesbeds.co.uk

Celebrating 20 Years in Business

Professional Interior & Exterior Plastering Services

Working on behalf of the following businesses for 10 years, and serving the general public for 20 years

Whether you’re looking for a quick repair for some cracks, or a total redecoration complete with floor screeding, existing render removal and coving, you won’t find better than J P Plastering.

Please keep my number, you might need it one day!

T. 01244 571438 M. 07776 477396

www.lukejarrett.co.uk

How Clean is your Crime Scene?

We will come to your home with a smile and a sponge, and we won’t leave until your space is sparkling!

✓ Carpet cleaning ✓ Stain removal ✓ Rug cleaning ✓ Upholstery cleaning ✓ Oven cleaning ✓ Hob cleaning ✓ Extractor hood cleaning

WHY CHOOSE US: ✓ 10+ years experience ✓ Professional & respectful ✓ Eco cleaning products ✓ On time, every time ✓ Competitive rates ✓ Excellent reviews

CALL US TODAY WITH YOUR CLEANING NEEDS:

0800 999 1379 07808 090 839 www.muckaway.info

CARPET CLEANING

OVEN & HOB CLEANING

Why I Will Never Diet Again

By CAT WILLIAMS Have you ever: • Tried everything but no matter what you do you stay the same weight?

• Wondered why if you do lose weight, it comes back on again?

• Found yourself emotionally eating and then being filled with guilt afterwards?

You’re not alone!

The good news is that, although this is common, there is something you can do about it.

The ‘treats’ are not treats any more If we label something as a ‘treat’ our inner ‘hunter-gather’ brain thinks we should gorge on it whenever we are lucky enough to find it.

But nothing is scarce now, so know that everything is available, but you feel proud, happy and empowered to choose what your body actually needs, not empty processed foods.

As babies we arrive with perfect ‘programming’ around food because it is available 24 hours a day in the womb so we have no cravings, we stop when we are full and we don’t emotionally eat because all our needs are met.

There are reasons why our body holds on to weight, or eats too much Our brain can control our metabolism to keep us ‘big and strong’ if we perhaps felt vulnerable or insignificant as a child.

Or maybe a pattern of eating everything to feel ‘special and good’ has become a pattern we have found it hard to grow out of. Once we are aware of these patterns, we can change them.

You can restore your mind’s programming around food, and never need to diet again, by knowing a few starting points.

If you would like a chat with no obligation, please contact Cat Williams via 07799 641347 or www.cat-williams.com

Use your fist!

Just like babies our stomachs are still around the size of our fist, so keep that in mind to help with portion-sizing and knowing when you will be full.

Rapid Transformational Therapy helps to uncover and remove the ‘root-cause’ of unhelpful behaviours, beliefs or thoughts about food, weight or self-esteem etc.

Here are some things to know:

Cat Williams - Rapid Transformational Therapist, Author, Coach & Speaker catstaycalm@gmail.com Tel: 07799 641347

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Gardening Tips and Advice July - Summer is Progressing This is often one of the hottest months of the year and a great time to sit out and enjoy your garden. Keep plants looking good by regularly dead-heading and you'll enjoy a longer display of blooms. Make sure you keep new plants well watered, using grey water where possible and hoe off weeds, which thrive in the sunshine.

TOP 10 JOBS TO DO IN THE GARDEN THIS MONTH 1.

Check clematis for signs of clematis wilt

2.

Care for houseplants while on holiday

3.

Water tubs and new plants if dry, but be water-wise

4.

Deadhead bedding plants and repeat-flowering perennials, to ensure continuous flowering

5.

Pick courgettes before they become marrows

6.

Treat apple scab

7.

Clear algae, blanket weeds and debris from ponds and keep them topped up

8.

Order catalogues for next year’s spring-flowering bulbs

9.

Give the lawn a quick-acting summer feed (but don't feed wildflower patches or meadows)

10.

Harvest apricots, peaches and nectarines

Lawn Cutting Weeding * Hedges General Gardening

07891 691656 Advertise Your Business Here! for just £15 +VAT per month Call Vicky on: 01978 855459 advertising@essentialsmag.co.uk

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INSTALLATION SERVICE IS AVAILABLE PLEASE ASK FOR DETAILS

CHESTER SMALL PLANT Brymau Three Estate, River Lane, Saltney, Chester CH4 8RQ

01244 674 447 info@chestersmallplant.co.uk

www.chestersmallplant.co.uk

Making Tax Digital Initiative

By RACHEL COLES In 2021, the UK government launched the Making Tax Digital (MTD) initiative to simplify tax accounting for personal and business use.

Making Tax Digital aims to digitalise the tax system, making it more streamlined, modern and efficient.

If you are a business owner, or individual who needs to keep records for tax purposes, you will be required to use accounting software in order to keep your accounting records digitalised.

If you are not already using the digitalised system, now is the perfect time to embrace Cloud Accounting and we can help you every step of the way. We work with the best platforms including Xero, QuickBooks, KashFlow and Sage.

The benefits of switching to Cloud Accounting are many, including: • Data is saved and updated in real time so you only see the latest data • Your work is automatically saved as you update it – and backed up • You can run your business from anywhere and at any time of the day or night – you simply need to be connected to the internet • There is no upfront cost • The software is scalable and will grow with your business

• Online payments and apps can be integrated, which means faster payments for you and your suppliers • Cloud Accounting gives you excellent analysis of your business which, in turn, could improve profitability • With Cloud Accounting, your bookkeeping becomes an informative and highly beneficial means to improve your business • Credit control is easier as Cloud Accounting can track aged debtors and automate invoice reminders for improved cash flow • Data is encrypted and only someone who has login details will be able to access the information.

All in all, Cloud Accounting is revolutionary and makes life much easier for business owners and personal tax payers alike.

If you need a hand switching to Cloud Accounting, or simply feel you need a demonstration of how it can help you, why not give us a call?

We are available for all your accounting needs, whether you are an individual, sole trader, partnership, LLP or limited company.

EssentialsMAG accountancy contributor is Rachel Coles of Haswells Chartered Accountants Tel: 01978 351 501 r.coles@haswellsllp.com

EssentialsMAG Tasty Recipe

Easy Vegetarian Udon Noodle Soup This flavourful vegetable udon noodle soup couldn’t be easier to make - it’s a bowl of true comfort! A nourishing and tasty Japanese soup, perfect as a quick lunch, dinner or appetiser.

SERVES 4 INGREDIENTS 1 vegetable stock cube

140g udon noodle

50ml teriyaki sauce

200g bag spinach

1 tbsp vegetable oil

4 eggs

140g mushrooms, sliced

Sesame seeds (optional)

½ bunch spring onions, thinly sliced

METHOD Prepare the perfect soft-boiled eggs. Bring a small pot of water to a boil. Add the eggs and cook for exactly 7 minutes for a slightly runny yoke or 8 minutes for a soft yolk. Remove eggs from the pot and place in a bowl of ice water to stop the cooking process. After a few minutes, peel the shells off carefully and slice the eggs in half, lengthwise. Set aside.

In a large pan, dissolve the stock cube in 1 litre of water and stir in the teriyaki sauce. While the soup base comes to the boil, heat the oil in a frying pan and cook the mushrooms over a high heat, for 2-3 minutes, until they turn golden.

Add the spring onions and cook for 1 minute more, then set aside.

Once the soup base has come to the boil, add the noodles and cook for 4 minutes. Add the spinach and cook for 1 minute more until just wilted.

Stir in the mushrooms, spring onions and some seasoning.

Divide the soup into 4 large bowls. Top with an egg, spinach and green onions. Sprinkle with sesame seeds (optional) and serve immediately.

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Financial News with Hadlow Edwards Protecting you and your family

From the Government website, Statutory Sick Pay is £99.35 a week for up to 28 weeks* and is not available for self-employed people.

We are all worried about the strain on our finances with the rising cost of living, which is why thinking about what would happen if your income stopped altogether due to an unfortunate accident, long term sickness, or even death, is more important than ever.

Employment Support Allowance is currently a maximum of £117.60 a week**.

How would you and your family manage your bills if this were to ever happen?

So, what is Life Insurance and Income Protection?

Many people take out insurance for certain assets they acquire in case they break, get damaged, or even destroyed, such as their car, phone, or the contents of their house. But what about your biggest asset – YOU?

Life Cover This cover can be used for either mortgage or family protection. It cannot compensate emotionally for the loss of a loved one, but it can take off financial pressure by ensuring your dependants have the financial resources to maintain their standard of living as before, should the worst happen.

When I speak to clients, some of them feel that they could rely on the State if they were ever in a situation where they were unable to continue paying their bills due to ill health.

Let’s consider this scenario.

PrinciPal Partner Practice of St. JameS'S Place Wealth management

Telephone: 01978 311 611 email: hadlow.edwards@sjpp.co.uk www.hadlowedwards.co.uk

Given that, in March 2020, the average family in the UK spends £587.90 a week***, this would leave you with a significant shortfall.

Critical Illness Cover This cover is also used for mortgage or family

Hadlow Edwards Wealth Management Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products.

The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.

protection. Common critical illness claims are having a heart attack, contracting cancer, or suffering a stroke. This cover can help if you or your partner fall seriously ill and were unable to return to work.

Even if returning to work was an option after treatment and rest, the financial support available to help you get back on your feet and adapt to life ahead would be one less thing to worry about.

Income Protection This cover will ensure you continue to receive a regular monthly income (after your employer’s sick pay period) if you’re unable to work for a time, due to ill health or injury, to enable you to maintain your lifestyle with as little disruption as possible.

By Mandy Lewis of Hadlow Edwards Wealth Management Limited hadlow.edwards@sjpp.co.uk Tel: 01978 311 611 www.hadlowedwards.co.uk

If you feel that you would like to review your existing protection cover, or you would like to see what protection options are available for you and your family, please contact me via email on: Mandy.Lewis@sjpp.co.uk, or call the office on: 01978 311611.

* Gov.uk 23/06/2022 : https://www.gov.uk/statutory-sick-pay ** Gov.uk 23/06/2022: https://www.gov.uk/employment-supportallowance/what-youll-get *** ONS 16/03/2021: https://www.ons.gov.uk/peoplepopulationand community/personalandhouseholdfinances/e xpenditure/bulletins/familyspendingintheuk/a pril2019tomarch2020

HADLOW EDWARDS WEALTH MANAGEMENT LTD at hadlow edwards we offer a distinctive approach to our clients and their financial affairs.

You get all the benefits of personal attention and years of experience from an approachable, friendly team of professionals. We take care of the details and take away the frustration of financial planning.

Your home may be repossessed if you do not keep up repayments on your mortgage.

• retirement Planning • mortgageS • tax Planning • inveStment Planning • SPecialiSt inSurance

Climate Justice

By EssentialsMAG environment contributor ROB RENOUF You may have heard the expression ‘climate justice’, but what does it mean and why does it matter?

Climate justice centres on the fact that whilst the climate and ecological emergency is impacting everyone on our planet, some are being affected much more severely than others. Injustice exists because in many cases those suffering the worst consequences contributed least to creating the problems.

One factor influencing how much we’re impacted is where we live. The inhabitants of low lying Pacific islands are an obvious example, but others can be found far closer to home. Residents of Fairbourne, near Barmouth are expected to become some of the first UK climate refugees. Many places close to the Dee estuary are also very vulnerable to sea level rise. Rising global temperatures are making parts of the world too hot to live in, forcing people to move elsewhere.

Loss of access to water or the inability to grow sufficient food due to drought or flooding are also displacing huge numbers.

Many areas already experiencing the worst impacts are in the Global South. Whilst direct impacts may not initially be as severe for the UK, heatwaves still pose a real risk to the vulnerable and the availability and cost of food supplies from other countries are being affected.

The climate crisis isn’t just ecological - it exacerbates inequalities already existing in our economic system. The more affluent often have greater opportunity to insulate themselves from the consequences. As the climate crisis harms food production, resulting higher prices impact most severely on the poorest. In extreme heat, air conditioning can be the difference between comfort and life threatening health risks - meanwhile, those benefiting from air conditioning contribute more to the problem, due to the resources consumed by manufacturing and running it. Gender inequalities mean that in many instances women are suffering worse impacts than men.

Climate justice is about recognising these inequalities and taking action to redress them. Those of us who have prospered most from the economic growth that has driven the climate crisis have both the greatest opportunity and a moral responsibility to take the lead in tackling it.

If we fail to prevent the impacts of the climate emergency becoming more severe, the inequalities that already exist are likely to become even more extreme. Climate justice isn’t just a ‘woke issue’ - it’s absolutely central to the global challenges we need to tackle today.

EssentialsMAG environment contributor is Rob Renouf robsrenouf@gmail.com

Lesley Griffiths MS Member of the Senedd for Wrexham Congratulations to Bradford on being named City of Culture 2025 and commiserations to everyone who contributed so much to the Wrexham bid.

Despite the setback, the #Wrecsam2025 team can be proud of everything they achieved and everyone in Wrexham is grateful for all their efforts and hard work.

The team did an outstanding job and it was heartening to see so many people unite behind the bid. I hope the positivity generated by the campaign can be harnessed, allowing the city to continue to thrive in the months and years ahead.

Constituents have contacted me about the bid and future plans, so I have written to Wrexham Council to ascertain whether it is considering bidding to be the next City of Culture in 2029, having come so close and learnt so much during this campaign. All three runners up received £125,000 to take forward elements of their bids, so I have also questioned how the Local Authority plans to spend the grant funding.

Engaging with young people is a key element and enjoyable aspect of my job and it was a pleasure to recently speak with students from Ysgol Bryn Alyn. The virtual meeting was arranged by The Politics Project. This educational organisation specialises in running digital surgeries which aim to build relationships between young people and their politicians.

During the Q&A session with the School Council members, we discussed a range of topics from the impact of exams to news Wrexham has been granted city status.

Talwyd costau’r cyhoeddiad hwn gan Gomisiwn y Senedd, o gronfeydd cyhoeddus / The costs of this publication have been met by the Senedd Commission from public funds.

The programme is a great way to engage young people in politics and I am grateful to The Politics Project for organising the event.

Earlier this year, I approached all Wrexham’s secondary schools, as well as Coleg Cambria, highlighting the work of The Politics Project so I hope to take part in more surgeries with students in the not-too-distant future.

I recently met with Inspector Luke Hughes of Wrexham Police Station for a walkabout in the ‘city’ centre. Keeping in close contact with the police ensures I’m kept up-to-date with local issues, as well as providing me with the opportunity to raise constituents’ concerns directly with the police.

The local team do an excellent job and I was pleased to learn anti-social behaviour continues to be down significantly in the city centre.

If you’re a constituent in Wrexham, and there is an issue I could help you with, please get in touch via the contact details below.

Tel: 01978 355743 Lesley.Griffiths@senedd.wales www.lesleygriffiths.co.uk Facebook & Twitter: @lesley4wrexham

HSM Property Services We are experienced tradesmen who can provide a variety of general maintenance and electrical services around your home or business, including:

• ELECTRICAL • PLASTERING • BATHROOMS • PAINTING • RENOVATIONS • KITCHENS • REPAIRS • TILING

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Moving home?

Need a survey?

For RICS Home Buyers Surveys and Building Surveys, reports issued in 10 days, contact the Forge team Charles Lawson MRICS, FAAV, RICS REGISTERED VALUER

e admin@forgeproperty.co.uk t 01978 799059 / 07873 388119

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Solicitors & Solicitor-Advocates The only law firm you will need Working towards a kinder future

• • • • • • • • • • • •

Accident & Injury Agriculture & Estates Business Structure & Issues Children Clinical Negligence Commercial Property Company & Commercial Court of Protection Crime, Regulatory & Prison Law Employment Law Family & Matrimonial Insolvency & Restructuring

WREXHAM 26-30 Grosvenor Road, Wrexham LL11 1BU 01978 291456 wrexham@ghplegal.com

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LLANGOLLEN The Old Bank, Berwyn Street, LL20 8ND 01978 860313 llangollen@ghplegal.com

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Managing the Menopause

By GAYLE WHITTAKER The past 18 months has seen a surge of news reports, TV programmes and general chat about the Menopause - the time in a woman’s life when their periods begin to change and eventually stop. Eight out of ten women in the UK will experience symptoms during their menopausal years, ranging from the commonly known ones like hot flushes, night sweats and mood swings, to lesser known ones such as brain fog, anxiety, insomnia, palpitations, fatigue and loss of bone density.

Many women use prescribed Hormone Replacement Therapy (HRT) to lessen their symptoms. HRT works by replacing the hormones women no longer produce naturally, (ie oestrogen and progesterone).

However, increasingly women are looking for alternative ways to HRT to manage their menopause.

So what are the other options?

Nutrition - What we eat plays a key role in how our hormones work so avoiding sugar, caffeine and other stimulants and working out what triggers your own hormonal outbreaks is one way to take control of your symptoms naturally. Increasing your intake of phytoestrogens found in soya, chick peas and other beans, can also help to reduce menopausal symptoms.

Exercise - Exercise is good for everyone’s health but in the case of the menopause, gentle exercise such as yoga,

pilates, walking and swimming also give women time to find some mental space.

Holistic therapies - Stress is a major factor in triggering hormonal imbalance, and therefore, menopausal symptoms. Building in regular treatments with a holistic therapist can help to balance hormones, reset your nervous system and support you in how you deal with stress when it occurs.

Medicinal herbs - There are many overthe-counter herbal supplements reported to help with symptoms of the menopause but always buy from a reputable retailer and not online unless it is a brand you know and trust. Alternatively, you can seek guidance from a qualified Medicinal Herbalist who will be able to prescribe you a bespoke herbal mix.

Sleep - Getting a good night’s sleep not only helps you to cope with life’s stresses, but it also helps your body to restore itself and keeps your hormones in check. If you aren’t sleeping well, try working on the first three points above and seek further help from your GP or a therapist if you still find you struggle.

If you would like a free confidential chat about your menopausal symptoms, please feel free to get in touch.

By Gayle Whittaker, Reflexologist at The Universal Therapist Tel: 07766 701479 www.theuniversaltherapist.co.uk

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Making the Most of the Outdoors

By HELEN CONWAY With longer and sunnier days ahead, now’s the time to really make the most of the outdoors.

We are so lucky that locally we have so many gorgeous outdoor spaces nearby parks, woodlands, lakes and hills.

But what are the benefits of being outdoors?

Sunlight elevated Vitamin D levels A lack of Vitamin D can contribute to depression, osteoporosis, and some cancers.

Spending 15 minutes daily (unprotected) in the sun, before noon and after 3pm, can support healthy bones, manage calcium levels, reduce inflammation and support the immune system. Beyond this, protect yourself with a good sun protection, and long sleeves/trousers.

Being outside can improve sleep quality An article published in Preventive Medicine showed that increasing the amount of time you spend outdoors can improve sleep quality, particularly for men and in people over the age of 65.

It seems that increasing the amount of time an individual spends outside helps to regulate body temperature, along with the sleep-wake cycle, otherwise known as the circadian rhythm.

Being outdoors increases happiness A 2015 study found that people who walked in a wooded area reported a better emotional state when compared to those who walked in urban locations. So make the most of those woodlands for a bit of forest bathing.

Nature relieves stress, anxiety and depression.

Being outdoors lowers the stress hormone cortisol, which is vital for optimal mental and physical health. But elevated levels for prolonged periods have been linked to many health issues, including anxiety, depression, memory and concentration problems, and even sleep disorders.

These benefits, and more, can be gained from only two hours a week.

So whether you can get out every day, or just the weekends, make the most of the Great Outdoors.

Bodywork-Pilates was established in 2002.

They offer the very best in pilates, yoga and holistic fitness, with over 20 classes a week to choose from in and around Wrexham and Chester.

EssentialsMAG fitness contributor is Helen Conway from Bodywork-Pilates Ltd www.bodywork-pilates.co.uk Tel: 01978 512401

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Legal Advice

By EssentialsMAG legal advice contributor CAROL McGUIRE Pensions in Divorce It’s amazing, how so many people think that they will receive one half of their Spouse’s Pension Fund in a Cash Lump sum.

This article is addressing that situation.

In the course of divorce, an application can be made to the Court for a Pension Sharing Order. Lots of people think that this is a relatively new issue but prior to the changes, it was still looked at, but more people preferred either a Lump sum or a property transfer, as a set off, depending on the circumstances of the case. So realistically, that is what happened.

Now, circumstances have changed, with the Government ordering Employers to make a contribution to pensions, so increasing the Fund’s value. The prospect of claiming now, therefore, seems to be more attractive, especially given the Government’s cut backs in all areas. So to make this happen, we have to do the following: First we have to acquire an up to date figure, as to the current equivalent transfer value of each pension. This does take a long time to process. Sometimes it can take up to three months for Pension Providers to produce these figures. A Spouse, in theory, is entitled to 50% of the same but there are exceptions. For example, if your Spouse has been paying into a Pension since 1980 but you married in 2000, then in that situation you could only claim the value of the Fund, less the previous 20 years’ contributions.

Secondly, you have to factor in that sometimes Pensions change. For example what was one pension at the outset, may have been transferred into two funds or another, but differently named, fund. There is also the case of deferred benefits which you can’t readily see. It’s always advisable to use an Actuary in these type of cases, because the Value of the Fund might be accurate now but what is the deferred worth to the Spouse with that pension?

There is also the case of frozen pensions which people forget about. Moreover, if the Recipient already has a pension then such needs to be factored in. It isn’t as easy as you might think.

The reason people jump to the conclusion that they are entitled to half of a pension in cash, is because of the size of the fund, eg £300,000. They don’t realise that the fund is used to pay a pension income on retirement and sometimes a lump sum.

They just see a huge figure and decide that they want it now, wherein all they can do is to transfer it to the recipient’s Pension fund and if one doesn’t exist then to open such.

It will then provide for the Recipient on retirement.

EssentialsMAG legal advice contributor is Carol McGuire of Cyril Jones Solicitors Tel: 01978 367 830 www.cyril-jones.co.uk

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Useful Numbers ANIMAL CARE Blakemere Veterinary Borras Park Veterinary Daleside Veterinary Farndon Kennels & Cattery Gatehouse Veterinary Lightwood Boarding Kennels Park Lane Kennels Rhyd Broughton Veterinary RSPCA Vets4Pets

01691 622 201 01978 310 131 01978 311 881 01829 270 198 01244 570 364 01978 710 487 01978 852 914 01978 720 362 0300 1234 999 01978 352 499

COUNCILS Cheshire West & Chester Wrexham

0300 123 8 123 01978 292 000

DOCTORS Borras Park Surgery Hanmer Doctors Surgery Overton Surgery Overton Medical Practice Strathmore Medical Practice NHS Direct

01978 801 960 01948 830 223 01978 780 804 01978 710 666 01978 352 055 111

DENTISTS Bridge End Dental Practice Maelor Dental Care Wrexham Dental Centre OPTICIANS Gresford Eyecare

01978 762 030 01978 780 943 0300 085 9666

01978 855 828

HOSPITALS Countess of Chester Wrexham Maelor

01244 365 000 01978 291 100

LEISURE CENTRES Gwyn Evans Northgate Arena Plas Madoc

01978 269 540 01244 380444 01978 821 600

LOCAL FACILITIES 3C Pest Control Adult Social Services Citizens Advice Foodbank - Chester Foodbank - Wrexham Recycling Centre - Chester Recycling Centre - Tattenhall Recycling Centre - Whitchurch Recycling Centre - Wrexham Samaritans

01948 838 111 01978 292 066 0300 330 1178 0151 355 7730 07538 547971 01244 372 764 01829 771 337 0345 678 9007 01978 292 000 116 123

In an EMERGENCY always dial 999 For your local POLICE STATION in a NON EMERGENCY dial 101

LOCAL SERVICES Environment Agency Fire & Rescue - North Wales Natural Resources Wales Severn Trent Water Welsh Water

03708 506 506 01745 535 250 0300 065 3000 0800 783 4444 0800 052 0130

LIBRARIES Chester Library at Storyhouse Gresford Library Overton Library Wrexham Library

01244 409 113 01978 852 627 01978 710 557 01978 292 090

SCHOOLS & NURSERIES Abbey Gate College Acorns Playgroup Rhosddu Acton Park Primary School Alexandra School All Saints’ Primary School Bangor-on-Dee Childcare Barkers Lane Primary School Bishop Heber High School Borderbrook Primary School Borras Park CP School Bronington VA Primary School Darland High School Eyton Primary School Farndon Primary School Garden Village Playgroup Holt Primary School Holt Under 5’s Playgroup Madras Primary School Overton Playgroup Rhosddu School Rhosnesni High School Shocklach Primary School St. Chad’s School St. Mary’s School Overton St. Paul's VA Primary School The King’s School The Maelor School The Queen’s School Wat’s Dyke School Ysgol Bryn Alyn Ysgol Deiniol Primary School Ysgol Plas Coch Ysgol Rhosymedre Ysgol Sant Dunawd

01244 332 077 07516 254623 01978 318 950 01978 315 120 01978 852 342 01978 780 757 01978 357 754 01948 860 571 01948 770 676 01978 346 890 01948 780 283 01244 570 588 01978 823 392 01244 981 280 01978 363600 01829 270 021 07496 231 275 01978 710 419 01978 710 688 01978 318 830 01978 340 840 01829 250 285 01948 830 238 01978 710 370 01978 661 556 01244 689 500 01948 830 291 01244 312 078 01978 355 731 01978 720 700 01978 353 760 01978 311 198 01978 812 510 01978 780 757

TRAVEL National Rail Enquiries Traveline

03457 48 49 50 0871 200 22 33

Little Scholars Day Nursery The Centre for the Child, Glyndŵr University, Mold Road, Wrexham LL11 2AW

For information about places please contact KIM or BECCA

Tel: 01978 314912 littlescholars@activechildcare.co.uk

“Play is the highest expression of human development, for it alone is like free expression of what is in a child’s soul” - FRIEDRICK FROBEL

Why not pay us a visit and see what we have to offer you and your child...

• • • •

Purpose built nursery Dedicated and passionate practitioners Registered to deliver EE and the Childcare Offer Open to the general public as well as students and staff at GlyndŴr University • Holiday Club provision for ages 4‐12 also available

Call today to arrange a visit ‐ 01978 314912 www.activechildcare.co.uk ALSO AT: ROSSETT HOUSE NURSERY, LLAY ROAD, ROSSETT, WREXHAM LL12 0HT. TEL: 01244 571872

Puzzle Page...

Just For Fun Crossword ACROSS 1 4 7 8 9 11 15 17 19 20 21 22

Deducts (5) Fugitive (7) Breathing organs (5) Choosing from various sources (8) Violent weather (5) Trails alongside canals (8) Designers of trendy clothes (8) Approaches (5) Coming into view (8) White heron (5) Laughing like a donkey (7) Germaine ___ : Australian author (5)

DOWN 1 2 3 4 5 6 10 12 13 14 16 18

Deceit; trickery (9) Long-beaked wading birds (7) Exceptionally good (7) Having a jaunty appearance (6) Grown ups (6) Ire (5) Roman Catholic prelate (9) Making a loud sound (7) Small bone in the ear (7) Major blood vessel (6) Measuring the duration of an event (6) ___ Allan Poe: American writer (5)

If you want to find out the answers they will be published in next month’s edition.

Here are the answers from June:

Classic Sudoku

Principal Partner Practice of St. James's Place Wealth Management at Hadlow edwards we offer a distinctive approach to our clients and their financial affairs. You get all the benefits of personal attention and years of experience from an approachable, friendly team of professionals. We take care of the details and take away the frustration of financial planning.

• RetiRement Planning • moRtgages • tax Planning • investment Planning • sPecialist insuRance

Your home may be repossessed if you do not keep up repayments on your mortgage

HADLOW EDWARDS WEALTH MANAGEMENT LTD Chartered Financial Planners

Telephone: 01978 311 611 email: hadlow.edwards@sjpp.co.uk www.hadlowedwards.co.uk the old Brewery, central Road, Wrexham, ll13 7su

The Partner Practice represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and the title ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.