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NLP & MOTIVATIONAL COACH STRESS MANAGEMENT CONSULTANT

Sharon McKay Dip, Hyp, GHSC, GHR, MP NLP, NHS Reg

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I’ve worked successfully with hundreds of people of all ages from all walks of life who have overcome varying degrees of anxiety, including insomnia, fears, phobias and full blown panic attacks. You weren’t born with this state of worry, fear or panic. You had to learn it. Anything you have learned you can unlearn, and knowing how it all started isn’t necessary for you to get rid of it. Advanced Hypnosis has proved time and time again to help people rapidly overcome their anxiety and return to a normal life.

getting on with my life……… and so full of

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POMPHREYS SOLICITORS & ESTATE AGENTS

Gordon Sommerville Solicitor, Pomphreys Director,

WELFARE AND CONTINUING POWER OF ATTORNEY Do your parents, or any other relative, or indeed yourself, need help in managing business or household matters, such as, bank accounts? What would happen if you or them had to go into hospital or a care home? A person can now appoint a Continuing and/or Welfare Attorney to deal with such situations. 08

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A Power of Attorney is an extremely useful document whereby the granter gives someone the authority to deal with their property and financial affairs and to make decisions about personal welfare, including medical treatment. when they no longer are able to do so independently.

Unlike the Guardianship Order the Power of Attorney does not automatically take away the granter’s ability to deal with their finances or make decisions concerning their care and welfare. Although the Attorney can sign documents on behalf of the granter they cannot make decisions regarding the granter’s finances and welfare until the Attorney considers the granter to have lost the capacity to do so as a result of a number of conditions, including physical and mental illness, mental deficiency and disability.

Pomphreys solicitors can advise and assist those who may require to grant a Power of Attorney, or indeed a Guardianship Order.

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Who can I appoint as my Attorney?

Please feel free to contact us at

A Power of Attorney is usually granted in favour of a spouse, relative or trusted friend and is granted at a time when the granter has full capacity to make responsible decisions on their own. It is also possible to appoint joint attorneys, which can be useful if one person is, for example, indisposed, on holiday, or working abroad.

1 Kenilworth Avenue, Wishaw, ML2 7LP or 01698 373365.

What is the effect of granting a Power of Attorney?

We will be pleased to give you further information.


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HEALTH FITNESS & BEAUTY

HEALTH FITNESS & BEAUTY

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WHATS ON

The Town House Hamilton To Book Call 01698 452299

The Selfish Giant Date: 10th Apr 2012, Time: 14:30, Cost: £4.00 Duration: 40mins Suitable for ages: 3-7 Based on Oscar Wilde's much-loved children's story, The Selfish Giant is performed in the Folding Theatre Puppet Company's distinctive and beautiful style. Whilst taking tea in his garden, the giant relates his story for the audience. Why is he so grumpy and selfish? He tells of how he returned home one day to find his garden full of children. How will the giant react?...

Funny Bones Date: 11th Apr 2012, Time: 14:30, Cost £4.00 Duration: 50mins Suitable for ages: 3-7 The Puppet Lab presents Funnybones, in a reworked production for Spring 2012.

Katy Clelland

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Meet three skeletons - Big, Little and Dog - as they go adventuring to find fun, frights and friendship. Spooky houses, dancing clocks, dinosaurs and skeleton pets all make an appearance as well as that darned Black Cat. Woof woof.

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Wonderful puppets burst with character and the set transforms into a multitude of magic spaces and places. This is a charming show full of music, song and illustrated adventure, leading us through the crazy days of these delightful skeletons.

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Oscar and the Quest for the Underground Princess Date: 12th Apr 2012, Time: 14:30, Cost: £4.00 Duration: 50mins Suitable for ages: 4+ How can a mother mouse keep her son out of mischief? She can't! Oscar is irresistibly drawn into an underground myth when he receives a mysterious riddle to solve. Martin, a prince in the mole kingdom, needs Oscar's Maurice Logie help to find the beautiful Princess Emily. But the evil rat, Snotter, has plans of his own... Can Oscar beat him in the quest? Armed with nothing but a cream bun and an electric guitar, Oscar is determined to have lots of fun along the way!


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The Town House Hamilton To Book Call 01698 452299

Horse, with full band Date: 14th Apr 2012, Time: 19:30, Cost: £15.00 She is one of the hardest working, respected and best loved Scottish artists - a legend. Her roots are firmly in Lanarkshire, having lived for many years in Lanark. Horse's father was a well known and popular councillor there. Her audience come from all walks of life, but have one common thread - they are all lovers of great music. Each and every one leaves a Horse show thrilled, and with an indelible stamp upon their hearts. Jake and Elwood - The Best Blues Brothers Show in the World Ever Date: 20th Apr 2012, Time: 19:30, Cost: £21.50 Will transport you to Chicago where they have all the right moves.

Katy Clelland

All the great songs with all the attitude. They are the Blues Brothers!

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Passing Places Date: 27th Apr 2012, Time: 19:30, Cost: £10.00 A comedy by Stephen Greenhorn Starring 'The Stage' Best Actor; Scott Kyle Two best friends. One stolen surfboard. 518 miles. What could possible go wrong? Alex and Brian are two local lads, desperate to leave their mundane lives and dead end jobs in Motherwell. They decide to get out the only way Maurice Logie they know how - doing a runner with a prized surfboard owned by Alex`s psychopathic boss. The only transport available is a "borrowed" worn-out Lada, but they hit the road and head north for Thurso, where the surf is up all year round.......

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With some of the great Soul, R&B and Blues classics including 'Soul Man', 'Living in America', 'Everybody needs somebody', 'It's a mans world', 'Signed sealed delivered, 'I feel good', 'Sweet home Chicago', 'Heatwave', 'Georgia', 'Love Train', 'Shake your tail feather' & 'Minnie the moocher'.

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Featuring amazing Tributes to The Godfather of Soul James Brown, The Genius of Ray Charles and Cab Calloway, performed by Buzz D' Angelo.


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Moreland Insurance Top Tips for Business At Moreland Insurance we have been providing personal and business insurance solutions right across Lanarkshire since 1964. Using an insurance broker to buy your insurances has many benefits over buying directly over the telephone or over the Internet. Brokers exist to uncover, on behalf of their customers, the best possible insurance deal; they do this by assessing and comparing all the features of an insurance policy not simply the premium price. Let’s face it, would you rather have a cheaper insurance policy with gaps in it which only emerge once a claim is made? Or, a slightly more expensive policy with the added peace of mind which comes from knowing, based on broker’s advice, that all eventualities which may arise, are covered by the policy

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Moreover, because brokers are dealing day and daily with insurers their influence over their decisions on particular claims is significantly stronger than that available to the man in the street. There are numerous incidents where our intervention on behalf of customers has led to satisfactory outcomes which may not have arisen had they been dealing directly with insurers as individuals.

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In this month’s edition of Life In, I thought I would outline some examples of how we are helping the business community in Lanarkshire to meet their insurance obligations but, at the same time, assisting these businesses by bearing down on their costs. THREE YEAR POLICIES

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In these times of uncertainty, when premiums rise most years, many businesses would welcome a three year fix with a genuine three year contract. This means your business is guaranteed no rating increase over 3 years. This policy is unique to us and is made available to larger businesses in Lanarkshire through our relationship with a major international insurer. Please contact us to find out more about the benefits which can arise from using this approach. FLEET INSURANCE Many businesses find that insuring their motor fleet can be a bit of an annual headache. At Moreland we recognise the pain it can cause and have sought a unique fleet insurance solution from major insurers which goes some way to provide relief.

Maurice Logie

With our business fleet policies there is no young driver excess; this contrasts sharply with most fleet policies where there would be, hard-to-shift age-related excesses payable by the customer. Our insurance provider doesn’t penalise in this way and this can mean significant savings for customers. Similarly, our preferred provider ensures that there is no excess payable on damaged windscreen claims, another unusual feature in the fleet insurance field as any fleet administrator will tell you. In addition, through Moreland, and again most unusually, customers can enjoy a free GAP insurance period which this covers the “gap” on leased vehicles between their pre-accident value and any early settlement figure should the vehicle be written off. Taken individually, not one of these three benefits are readily available in the wider car fleet market; with Moreland customers can enjoy all three. EMPLOYMENT PRACTICE COVER Disgruntled employees can be the bane of any small business owner’s life and it is a well-proven fact that a small business is five times more likely to appear before an industrial tribunal than have a fire or theft claim. At Moreland, we can offer cover for legal expenses and also court/tribunal awards across a whole range of issues. This includes Health and Safety, HMRC, as well as age/sex discrimination and many other areas. A vital element in allowing the small business owner to sleep comfortably at night, this kind of cover is available from as little as £24 per month. Our policies also carry the benefit of automatically protecting the individual directors of a limited company from facing their PERSONAL liability for actions arising from disputes with any of the above agencies. These are just some examples of the benefits we are able to deliver for businesses across Lanarkshire. And, of course we should also be delighted to quote for Household and Personal Motor policies too.

TEL 01698 456500

Moreland Insurance, 117 Cadzow Street, Hamilton, ML3 6JA enquiries@morelandinsurance.com www.morelandinsurance.co.uk


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Contact: Gareth Walker on 01698 426882 email: gareth.walker@lanarkshirechamber.org Lanarkshire Chamber of Commerce, Barncluith Business Centre, Townhead Street, Hamilton ML3 7DP

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The Seven Stages To Be Free Of Debt For Ever

Please read on and i hope this can be of some assistance to creating a happy future. Step 1, Acknowledge your debts. Even something as simple as reading this article is a positive start to dealing with debt.It means you have admitted that you are struggling and started seeking solutions.You have the right attitude and by taking further steps you can climb out of debt. Step 2, List your income and expenses. You need to know exactly where you are so list all debts and total income but please do not work on min payments to credit cards as you are only delaying future problem. Step 3 ,Maximise your income You may be eligible for government entitlements such as: Job seekers allowance,child tax credits,Income support,Incapacity or disablement benefits or maybe something as simple as making sure you are paying the correct tax so check your tax code. Step 4, Make cutbacks to reduce your expenses Now comes the hard part.Its time to look at your spending and work out where you can make savings. A few small changes can cut your expenses significantly .Here are some ideas, Transport, take the train or bus when going into town, saves parking ,fuel and wear and tear to

Step 5, Prioritise your debts. Once you know where you are financially its time to prioritise your debts, you may now have realised your fighting a loosing battle so some creditors, mortgage etc must be taken care of first the remainder we to list in order of interest rate charged and pay most to the most expensive. Step 6, Contact your creditors By this stage you should have your financial statement and your list of priority and non priority debts with the amounts you intend to pay. Its time to start negotiating with your creditors. Start by writing a letter to each creditor that says your finding things tough and giving them reasons why this has came about. Your creditors will normally respond pathetically and discuss options with you,

em

Step 7 , Work out your long term strategy This is the main area i can help with, i can make arrangements to visit you at home, go through all that you have done up to now and if all the above fails then i will explain what government backed schemes that are in place to help, It could be Debt Arrangement Schemes where interest is frozen, Trust deeds where one simple payment each month for 3 to 5 yrs means debt free or sequestration, all of the above i will write more about in the next Life In publications. I do hope the above has been helpful and if i can be of any further assistance or to arrange a no obligation visit to your home, please call me on 07867417584

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Those clients and friends range from successful business people where the current financial climate has taken its toll to just Mr or Mrs Smith where credit was too readily available and its now caught up.

your vehicle,Take a packed lunch to work, its also much healthier,Cook from scratch rather than ready made meals,Switch household utility suppliers if you spend time putting thought into savings you will be amazed on what you come up with.

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Hello my name is David Watt, probably best known for my mortgage and overseas purchase advice but over the last few years i have had an ever increasing number of clients and friends who have had just no where else to turn as debt has raised its ugly head and life seems to be not the way it should be.


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