North West Circular - Passover 2015

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GIFT

Make your Jewellery look BRAND NEW!

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urchasing jewellery is expensive and as a result, you expect it to look its worth.

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07980 083 346

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ARE YOU LOOKING FOR A CHILDREN’S ENTERTAINER?

Richie Rich is available for Childr en’s Birthday Parties, Upshe rins, Shul Fundraisers, ’ Purim Parties etc..’

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Think you’re a

Pesach Maven?

Wait until you’ve tried our incredible range of Pesach cakes, cookies and desserts, then think again!

MAKE IT A POURT OI PESACH KOSHER L’PESACH NON GEBROKT S

Available From

@pourtoicookies and other Stockists

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Home Visits

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Budgets are always a difficult balancing act, especially after a period of financial turbulence. People want to know that the sacrifices they have made have been worth it, but the Chancellor also has to ensure that the international markets are not spooked if they think the Government has loosened the purse strings irresponsibly. George Osborne has been fortunate that the economic recovery has taken hold. Unemployment continues to fall and we now have the lowest unemployment rate in Europe. We have the lowest number of people claiming unemployment benefits since 1975. We have the highest level of employment in our history. Considering that in 2010 the country was on the edge of bankruptcy. The economic crisis caused by a financial crash made worse by unsustainable government spending - put the UK on the edge of a crisis that has engulfed Greece and Spain. We saw a collapse greater than almost any other country and yet now we are growing faster than any other major advanced economy. We should remember what we narrowly avoided.

So how do we share the proceeds of recovery and make the sacrifices worthwhile. London has weathered the storm better than most of the UK but of course this has meant local people have found it harder to get on the housing ladder. With interest rates at historic lows, savers have seen their investment income significantly reduced.

So for those wanting to buy their first home, new help is available, the Help to Buy ISAs. In London, this could help over 190,000 people to buy their first home in the next 5 years by giving them a 25 per cent bonus of the amount they have saved to help with the cost of their first home. Couples getting the full £3,000 will be able to receive a Government bonus worth 7 per cent of their deposit.

The Brent Cross Cricklewood regeneration scheme is underway but needed a helping hand. The Chancellor has announced up to £70m of help for the proposed new railway station providing fast links to Farringdon and Crossrail, and also to Luton and the airport. The regeneration scheme will provide new jobs as the shopping centre expands and through the

new commercial area. Then there are the 7,500 new homes that will be built. It is expected that 20% will be for rent; 20% for shared ownership and the rest for purchase. I am hopeful that reputable housing associations such as Agudas Israel will be one of the partners providing social rented homes.

For savers there is the new Personal Savings Allowance, giving basic rate taxpayers a £1,000 Personal Savings Allowance, and higher rate taxpayers a £500 Personal Savings Allowance that could remove up to 2.2 million people from savings tax liability.

Savers are not the only ones who will be paying less tax. The threshold at which people start paying tax will rise to £10,800 in April and £11,000 the April after. The transferable married tax allowance will rise to £1,100.

For our local High Streets there is a news on business rates. Business rates (after rents) are the largest cost of a local shop or business. The system davtes back hundreds of years and is in need of reform. Within the next year or so we will have the outcome of a major review to see if a better system can be put in place. This could see smaller businesses pay less in rates, helping our local economy and bringing down process.

From chaos to competence and from austerity to prosperity. Rewarding those who have sacrificed during austerity is good to see. Whatever you want the Government to spend more money on requires a competent team in charge, and for the Government to have the money to spend. For that you need a strong economy. As my predecessor Margaret Thatcher once said, “there is no alternative”.

Mr Mike Freer is the Member of Parliament (MP) for the constituency of Finchley and Golders Green. Readers are invited to submit questions/concerns to the North West Circular (info@northwestcircular.com), regarding Central Government matters, where Mr Freer has kindly agreed to respond to them via this column.

If you wish to Write for the North West Circular Please Contact us via info@northwestcircular.com

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No, you’re not seeing things.

This is the real deal!

From

Economy From

London Luton to Tel Aviv Return ALL INCLUSIVE

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Special offers for your holiday in Israel.

BOOK NOW! With your local travel agent, call EL AL 020 7121 1400 or go online www.elal.co.uk Don’t forget, with EL AL your ticket includes 1 free bag up to 23kg, a hot Kosher meal.

*Terms and conditions apply. Subject to availability. Includes all taxes, baggage handling, on-board meals and fuel surcharges. Taxes subject to exchange rate fluctuation and choice of UK airport and are correct at time of advert publication. Limited capacity, selected flights only. Offer is combinable with other half round-trip fares. Flights must be booked between 03/03/15 and 26/03/15 for travel between 14/04/15 and 30/06/15. Maximum stay is one month.

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No, you’re not seeing things.

This is the real deal!

From

Economy From

Heathrow to Tel Aviv Return ALL INCLUSIVE

*

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Special offers for your holiday in Israel.

BOOK NOW! With your local travel agent, call EL AL 020 7121 1400 or go online www.elal.co.uk Don’t forget, with EL AL your ticket includes 1 free bag up to 23kg, a hot Kosher meal.

*Terms and conditions apply. Subject to availability. Includes all taxes, baggage handling, on-board meals and fuel surcharges. Taxes subject to exchange rate fluctuation and choice of UK airport and are correct at time of advert publication. Limited capacity, selected flights only. Offer is combinable with other half round-trip fares. Flights must be booked between 03/03/15 and 26/03/15 for travel between 14/04/15 and 30/06/15. Maximum stay is one month.

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PERSONAL TRAINING Caroline Freedman

Bespoke personal training programme

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Adults, teenagers, children and small groups.

Classes at my private gym in N3 or at your home.

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TORY INTRODUC

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N 23 EW

Property W a t ch

Are you too b u s y to drive arou n d an d ch eck on you r b u ilders or vacan t property?

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Pesach waste collection service Barnet Council will provide a dedicated refuse collection on 300-plus pre-designated roads, for residents to dispose of their Pesach refuse and Chometz before the start of Passover.

Collections will take place on Thursday 2 April. Please place Pesach waste securely in your black refuse bin or refuse sacks only, on the boundary of the property by 6.30am. Collections of refuse, recycling and food waste, and garden waste will take place on your usual collection days.

To check if you live on a pre-designated road, or to book a free collection if your road is not listed please contact Street Based Services on tel: 020 8359 4600, or email: pesach@barnet.gov.uk. Pesach bookings can be taken by telephone and email from 9am on Monday 23 March until 4pm on Tuesday 31 March.

For more information visit www.barnet.gov.uk/pesach-collection

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LEGAL

MATTERS

WOLFSON AND CO

LLP SOLICITORS

TOP LEGAL ADVICE AT MANCHESTER PRICES

WOLFSON AND CO LLP - TOP LEGAL ADVICE AT MANCHESTER PRICES!!!

With over 25 years experience in Business Leases and with much lower Manchester overheads, we are the natural choice for London property clients.

We see clients in London but most of our work is done in writing or by phone (including Skype and Facetime!)

Business Leases Many individuals who cannot afford to buy a commercial property decide to take a lease. There are various fairly standard clauses in all commercial leases. Firstly, the term of the lease. Many leases on shops and other commercial premises are on a 3 year basis. Tenants have rights under the Landlord and Tenant Act 1954 (“the 1954 Act”) to extend commercial leases under certain circumstances.

Some companies require the security of a longer term lease, especially where the Tenant has made substantial improvements eg extensive fitting out and refurbishment. Leases of 7 years or longer must be registered against the freehold or leasehold title at HM Land Registry.

Pitfalls – the Tenant 1. With a “full repairing and insuring lease” the Tenant must insure the property and is responsible for all repairs. In addition, they must return the property at the end of the lease in the same condition as it was at the outset. It is prudent, therefore, for the Tenant to agree a Schedule of Condition with the Landlord before signing the lease. The advice of a surveyor should be sought before taking a lease of an entire building.

2. A Tenant can usually assign the lease to another suitable Lessee. However, if the new Tenant is of lower financial standing, the outgoing Tenant may have to give the Landlord a personal guarantee for the obligations in the lease eg payment of rent and repairing obligations.

3. Rent Review clauses can be a problem. These usually provide for an upwards only Rent Review.

There is often a complex procedure, involving the appointment of valuers, arbitration in the event of a dispute and provision for interim rent. However, break clauses allow the Tenant an “exit strategy” at a fixed date. If the break clause date is passed then the lease continues until the next break clause or the end of the lease.

4. User clauses limit the purposes the Tenant may use the property for eg certain trades may be

excluded. There was a case in a large shopping centre where a lease for a restaurant actually forbade the frying of chips!

Security of Tenure Security of tenure applies to most Business Leases unless the provisions contained in Part II of the 1954 Act have been specifically excluded. The 1954 Act gives protection to the Tenant, preventing eviction at the end of the fixed term. To regain possession the Landlord must serve a notice under the 1954 Act, stating one or more of the grounds specified in the Act as to why they oppose the renewal of the lease. These grounds range from the Landlord wanting to redevelop the property to the Tenant having a poor history in observing the covenants under the lease.

A New Lease The Tenant can agree a new lease with the Landlord. If negotiations fail the Tenant can apply to the Court for a new lease. This is likely to be granted unless the Landlord can show the Court that one or more of the grounds for opposing the new lease apply. Alternatively the Landlord can apply to Court to fix the terms of the new lease or indeed for the termination of the current lease.

It is important for Tenants to respond to or serve appropriate Notices and comply with time limits, otherwise they may lose their rights.

Excluding the 1954 Act? If the parties agree to exclude the lease from the 1954 Act, it will automatically end on the last day of the contractual term. If the Tenant wants to stay in occupation they will have to agree new terms with the Landlord in advance.

If you want advice concerning a Business Lease, then contact our expert solicitors, Warren Bergson and Louis Wolfson

CALL 0161 877 9500 NOW!!

THE FIRST CONSULTATION IS FREE!!!

If you wish to Write for the North West Circular Please Contact us via info@northwestcircular.com

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U

K

S o f r i m Est 1 9 6 5

Producing Safrus Like It Should Be!

‘Dedicated To…’

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To Have Your Organisation Featured Please Contact us on 0203-659-2399

PROOF PROOF PROOF PROOF PROOF 37

Oh Crumbs !

Great Tasting Pesach Biscuits from Frankel`s

Imported and Distributed By: Mehadrin Wholesale Ltd.

sales@mehadrin.co.uk

020 8810 5252

86-88 Queensbury Road - Wembley - Middlesex - HA0 1QG

If you wish to Write for the North West Circular Please Contact us via info@northwestcircular.com

JUST A FRACTION OF OUR IN-STORE OFFERS... now only

£0.89

GEFFEN MAYONNAISE LARGE now only

TOMATO SAUCE

£2.99

now

£1.99 EACH

GEFEN/LIBERS KETCHUP ARIEL CAKES

was £1.29 now

99p

SPRING JUICES 108-110 Brent Street, London NW4 2HH Prices correct at time of going to print (18/03/15). Prices may vary.

2 FOR £5.50

now

2 for £5

We look forward to h welcoming you at Tapuac

GOUDA CHEESE was £5.99 each

BUY 1 GET 1 FREE

CHOCOLATE COVERED ORANGE PEELS now only

£1.49 WISSOTZKY TEA BAG 100s

SCHMERLING CHOCOLATE BAR

was £2.49 each

buy 2 get 1 free

DARK CHOCOLATE now only

was £1.99 now

£1.49

GEFEN CHESTNUTS

65p We deliver

customercare@tapuach.co.uk

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Our friendly staff understand what you need and our one-stop shop

Have you got your Order Form Booklet yet?

DOWNLOAD FROM OUR WEBSITE

OR POP IN AND PICK UP YOUR COPY IN-STORE

Food Cupboar d Brand MEDLLEY FOODS MEDLLEY FOODS MEDLLEY FOODS OPPENHEIMER SHKEDIA SUNMAID SUNMAID

- CRIED FRUIT/M ATZOS

Product

Unit/ Weight

DRIED CRANBERR IES 200G FRUIT SALAD 200G PRUNES PITTED CHOCOLATE COATED RAISINS

Prices

200G

CHOC COATED RAISINS MINI RAISINS 18PK RAISINS TUB SUNMAID RAISINS SNACK PACK 6PK SUNSWEET PRUNES THE WALNUT TREE LARGE FLAT BOAT THE WALNUT TREE FRUIT LONG FRUIT TRAY THE WALNUT TREE MEDIUM FLAT BOAT FRUIT THE WALNUT TREE MEDIUM OCTAGONAL FRUIT THE WALNUT TREE OCTAGONAL NUTS TRAY THE WALNUT TREE OCTAGONA L PERSPEX FRUIT THE WALNUT TREE SMALL FLAT BOAT THE WALNUT TREE FRUIT SMALL SQUARE THE WALNUT TREE FRUIT SQUARE NUT TRAY MATZOS

£2.59

200G 250G

£2.69 £2.39

142G

£3.19

70G 14G 500G

£1.79 £2.65 £2.65

42G

£2.59

500G

£2.99 £7.99 £6.99 £6.99 £10.99 £10.99 £6.99 £4.99 £6.99 £6.99

AVIV AVIV

OR EMAIL US AND REQUEST A HARD COPY

AVIV MATZOS 300G EGG MATZOS AVIV £1.99 300G EGG MATZAH £2.99 300G ORGANIC MATZAH £2.49 300G ORGANIC SPELT £2.25 MATZAH 300G RYE MATZAH £2.75 300G WHOLE WHEAT £2.25 MATZAH 300G OAT HAND MATZOH £2.25 GF 3PCS KESTENBAUMS OAT MACHINE £19.50 MATZAH GF 454G £12.99 OPPENHEIMER CHOCOLATE COVERED MATZOS 200G RAKUSENS £3.55 MATZOS CRACKERS RAKUSENS 150G SHEMURA MATZOS £0.99 RAKUSENS TEA MATZOS £2.65 RAKUSENS 150G TRADITIONAL £0.99 MATZOS 300G YEHUDA MATZOS CHOC COATED £1.20 MATOZ WITH SPRINKLE S YEHUDA MATZOS £2.69 CHOC COVERED YEHUDA MATZOS MATZOS 200G EGG MATZO £2.69 YEHUDA MATZOS GLUTEN FREE £2.59 MATZOS YEHUDA MATZOS 300G MATZOS £3.79 YEHUDA MATZOS 300G RYE MATZOS £1.29 YEHUDA MATZOS 300G SPELT MATZOS £2.19 454G £3.90 16 JERUSALEM JERUSALEM JERUSALEM JERUSALEM JERUSALEM KESTENBAUMS

customercare@

JARS QTY

Brand

Product

Unit/ Prices Weight W/W MATZOS YEHUDA MATZOS WITH ENRICHED DIETARY 300G FIBERS £2.19 YEHUDA MATZOS WHOLE WHEAT MATZOS YEHUDA MATZOS YEHUDA MATZOS £2.19 VOZNER 18 MIN 16OZ MATZAH HAND £3.65 HECHSHER MADE (8/9) 1LB VOZNER £13.99 HECHSHER MATZAH HAND MADE 3 PCS £6.99 MAYONNAISE, MUSTARD, KETCHUP GEFEN MAYONNAISE GEFEN 473ML MAYONNAISE £2.99 LARGE GEFEN 946ML MAYONNAISE £4.39 LITE 473ML GEFEN MAYONNAISE £2.99 LITE LARGE 946ML GEFEN £4.39 TOMATO KETCHUP GOLDBAUMS 785G FIT SNAP STIX £2.89 KETCUP LIEBERS 100G KETCHUP £2.35 LIEBERS 575ML MUSTARD PASSOVER £2.55 255G SNOWCREST OLIVE OIL & HAZELNUT £3.65 OIL MAYONNA 360ML ISE £3.92 SNOWCREST OLIVE OIL MAYONNA ISE LIGHT 360ML MEHOUDAR £3.40 SQUEEZY MAYONNA ISE 330G SHNEIDERS OLD FASHIONE £2.05 D MUSTARD - KITNIYOT 200G £1.55 JARS BNEI DAROM KEDEM MANISCHEWITZ

GRILLED EGGPLANT JAR GEFILITE FISH 680G GEFILTE FISH IN JAR 411G MATZO BALL SOUP IN JAR 680G BORSCHT 709ML 60G 150G NOODLES (PASTA)

£2.85 £4.89 £3.59

MANISCHEWITZ

MANISCHEWITZ SAVION CRISPY’OS SAVION CRISPY’OS

GEFEN GEFEN GEFEN GEFEN DAROMA DAROMA GEFEN MEDLLEY FOODS

tapuach.co.uk

CAPERS IN JAR SUNDRIED TOMATOES

ELBOWS PASTA SHELLS PASTA THIN NOODLES WIDE NOODLES

DESICCATED COCONUT DESICCATED COCONUT WHOLE ROSTED CHESTNUTS ALMONDS RAW

020 8202 5700

255G 255G 255G 255G 100G 400G

£3.75 £2.39 £2.99 £2.39

£2.45 £2.45 £2.45 £2.45 £1.05 £3.39

140G

£1.99

180G

£2.59

Food Cupboar d

- NUTS (WHOL E-GROUND) PICKLES/OLIVES Product Unit/ Prices Weight QTY ALMONDS BLANCHED Brand Product 180G ALMONDS FLAKED £2.65 Unit/ BEIT HASHITA 150G Prices Weight CARAMELIZED £2.29 GREEN PITTED PECANS OLIVES BEIT HASHITA 100G 560G CARMELISED ALMONDS £3.49 HOT PICKLED £1.99 PEPPERS BEIT HASHITA 180G 590G CARMELISED CASHEWS £3.59 QUEEN NOVO £1.39 OLIVES BNEI DAROM 200G 700G DRY ROASTED £3.45 BLACK OLIVES £2.15 ALMONDS 180G BNEI DAROM MEDLLEY FOODS DRY ROASTED £3.49 BLACK SLICED £1.99 MIXED OLIVE NUTS BENI DAROM 200G CUCUMBER £1.99 MEDLLEY FOODS £3.29 IN BRINE GROUND ALMONDS MEDIUM MEDLLEY FOODS 200G £1.65 GROUND ALMONDS £2.85 BNEI DAROM CUCUMBER IN MEDLLEY FOODS BRINE 400G GROUND HAZELNUT £4.85 SIZE 13-17 MEDLLEY FOODS S £1.99 200G BNEI DAROM GROUND WALNUTS £3.39 CUCUMBER IN MEDLLEY FOODS BRINE 200G SIZE 7-9 HAZELNUTS RAW £2.99 MEDLLEY FOODS £1.39 200G BNEI DAROM CUCUMBERS BRINE MACADAMIA NUTS £3.19 MEDLLEY FOODS X 100G SMALL 18-25 PINE NUTS £2.75 BNEI DAROM £2.35 100G CUCUMBERS IN MEDLLEY FOODS PISTACHIOS ROASTED £3.19 VINEGAR BNEI DAROM GREEN CRACKED £1.35 SALTED 180G BNEI DAROM OLIVES MEDLLEY FOODS £3.45 GREEN OLIVES £1.99 RAW CASHEWS PITTED BNEI DAROM MEDLLEY FOODS 200G GREEN SLICED £1.99 RAW PECANS £2.65 OLIVED MEDLLEY FOODS 100G BNEI DAROM NOVA GREEN OLIVE £1.99 RAW WALNUTS £2.35 MEDLLEY FOODS 150G IN JAR ROASTED CASHEWS £2.65 BNEI DAROM £2.85 WORLD OF NUTS 200G PITTED OLIVE GROUND ALMONDS £3.29 IN JAR BNEI DAROM WORLD OF NUTS 200G SAUERKRAUT £2.85 GROUND HAZELNUT £3.09 WORLD OF NUTS 550G S GEFEN 200G BLACK PITTED £1.65 GROUND WALNUTS £3.65 OLIVES – TINNED 200G 540G £3.29 £2.39 OILS GEFEN GREEN PITTED OLIVES – TINNED 540G £2.39 DAROMA GEFEN SLICED BLACK EX VIRGIN OLIVE OLIVES – DAROMA OIL TINNED 750M 540G LIGHT MILD OLIVE £5.95 £2.39 GEFEN GEFEN OIL SLICED GREEN 1L OLIVE OIL EXTRA OLIVES – £5.95 GEFEN LIGHT 1L TINNED 540G OLIVE OIL EXTRA £6.99 £2.39 GEFEN GEFEN VIRGIN 1L TINNED CUCUMBER OLIVE OIL MILD S IN £6.99 BRINE GLICKS 540G 1L KVUZAT YAVNE £1.75 VEGETABLE OIL £6.99 CUCUMBERS IN KING DAVID SPRAY 170G BRINE OLIVE OIL £3.25 KVUZAT YAVNE GREEN CRACKED £1.09 KING DAVID 500ML OLIVE OLIVE OIL £4.29 SPICY KVUZAT 750ML £1.35 LIEBERS YAVNE OLIVE OILCOOKIN £5.49 MIXED OLIVES G SPRAY 560G MOTOLA 140GM OLIVES GREEN £1.39 LIEBERS £2.89 OLIVE OIL EXTR MANZANILO RAKUSENS LIGHT MRS ELSWOOD 1L £2.00 SUNFLOWER OIL £7.59 HAIMISHA CUCUMBER RUMPLERS 1L S HAZELNUT OIL £1.69 MRS ELSWOOD SPEARS DILL £1.39 RUMPLERS 1L VIRGIN OLIVE £5.99 CUCUMBERS OIL TAMAN £1.39 1L MRS ELSWOOD WALNUT OIL £5.49 SWEET & SOUR TANUG 1L CUCUMBERS OLIVE OIL EX VIRGIN £6.69 TANUG £1.39 1L MRS ELSWOOD SWEET SPEARS OLIVE OIL EX VIRGIN £6.75 500ML CUCUMBERS BEIT HASHITA CUCUMBERS IN £3.75 BRINE £1.39 MRS ELSWOOD WHOLE SWEET 13-17 560G £1.79 CUCUMBERS BEIT HASHITA CUCUMBERS IN SAVOURS BRINE £1.39 MINI GHERKINS 7-9 560G - IN JAR 290G £1.29 SNOWCREST BEIT HASHITA FRESH NEW GREEN £2.35 CUCUMBERS IN VINEGAR CUCUMBERS 7-9 850G 560G £3.50 £1.29 SNOWCREST SWEET & SOUR FRESH NEW GREEN CUCUMBER £3.50 S 850G QTY

Brand

MEDLLEY FOODS MEDLLEY FOODS MEDLLEY FOODS MEDLLEY FOODS MEDLLEY FOODS MEDLLEY FOODS

QTY

customercare@

tapuach.co.uk

020 8202 5700 17

Yom Tov Meal Planne

r

YOU CAN ALSO DOWNLOAD OUR YOM TOV MEAL PLANNER OR PICK UP YOUR COPY IN-STORE

We deliver

EXTENDED OPENING HOURS SUNDAY thru THURSDAY: 7:00am - Midnight FRIDAY: 7:00am - 45mins before Shabbes MOTZEI SHABBES: 1/2hr after Shabbes - Midnight EXTENDED OPENING HOURS STARTS SUNDAY 29TH MARCH

customercare@tapuach.co.uk 108-110 Brent Street, London NW4 2HH

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MACAROONS

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Donate Your Chometz to GIFT - making a difference

GIFT

BRING US YOUR UNOPENED CHOMETZ: PASTA, CEREALS, FLOUR, CRACKERS, BISCUITS, ALCOHOL, ETC. AND HELP MAKE A DIFFERENCE TO LOCAL FAMILIES.

Sunday 29th March: 10am - 3pm

Outside Kosher Kingdom, NW11 & Mendy’s, HA8 and at The GIFT Warehouse, 61-63 Watford Way, Hendon, NW4 3AX (Corner of Watford Way & Rundell Crescent)

Tuesday 31st March: 9am - 12pm Wednesday 1st April: 9am - 12pm

at The

GIFT Warehouse, 61-63 Watford Way, Hendon, NW4 3AX

Volunteers needed at the above times to help sort and pack.

www.jgift.org

GIFT will store your chometz, sell it through Dayan Abraham & then distribute after Pesach.

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For more information call GIFT on: 020 8457 4429 or email: gila@jgift.org

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Mrs

PARENTING

J NEMETH

MATTERS

CER T ED M BA Ed uca tion Con sulta nt & Dir ector of A l P i Dar ko

Allow your child to blossom during Pesach!

In this special pre-Pesach edition, Mrs Judith Nemeth, Director of Al Pi Darko, looks at our children through the lens of the seder.

Maror: Bitter Herbs – never more!

Kadesh: Our Kids are Kodosh

Koreich: Which child is a Sandwich?

Do we always remember this? Do we treat them as Kodosh? Our kids are Kodosh because Hashem, as the third partner, has infused into them His own Kedusha

Urchatz: Wash out old ways Pesach is an ideal time to help our children find their place – especially the child who is most challenging.

If a child feels his place positively, he will feel that he “fits in” to this family, to this community. There are numerous ways to help our child find his place – just build on his strengths: let the artistic one design a new Hagada! Let the organised one plan your cleaning! Let the domesticated one plan your menus – and let everyone know how helpful they were!

Karpas: Dipping into new ideas You want to change some negative habits of your child? The only person you can change is YOU! Do something different – you will be surprised – those around you will act differently too.

Yachatz: Breaking old habits You feel you cannot prepare for Pesach without wearing yourself out/yelling at the kids/ criticising your children? Well maybe this year you can do just one of those things differently.

Magid: Telling not ordering We are told to “tell” not order/command/demand.

Telling a child about something has a very different tone to ordering: it implies a softer tone; an engagement of conversation.

Rachtza: Washing to welcome new ways Washing signifies transition – changing, transforming, purifying. The first step is to be a role model.

Motzi: Our babies are a blessing See them as a blessing -not a burden. If our children feel our respect for them as our own personal blessing – they cannot help but give us nachas.

Matzoh: Sholaim (whole) or not?

How will our children emerge from the Seder?

Sholaimand encouraged – or broken having been criticised for not living up to our – sometimes over ambitious – expectations?

Let out children never taste our bitterness towards them. Just point them in the direction you want them to go.

Find the space, this Pesach, to make every child feel important so no-one feels like he’s just the filling.

Shulchan Orech: A Full Meal You want to emerge from Pesach feeling you have given all the children their due? Plan it now! No strategy can be successful without planning. You planned the expulsion of chometz from your home – now plan the inclusion of every child in your home.

Tzafun: Dessert The dessert is nachas!

Borech: Whose brocho?

How do we earn respect? By giving respect! Who is the one who feels blessed? Your children? Your spouse? You? How do we bring brocho? – by giving brocho.

Hallel: Encouragement and Praise EVERYONE needs encouragement. Encouragement to a child is water to a plant. Find the correct dosage and your flowers will blossom to their full extent. Encourage their actions and you will be praised – by them!

Nirtzah Acceptance Accept that each child is unique. EVERY child is gifted – just sometimes we have not opened the wrapping! Use this Yom Tov to find the uniqueness of your child, accept and encourage him for what he is – not for what you would like him to be. “Treat children as if they were what they ought to be and you help them to become what they are capable of being” The above is based on the Al Pi Darko Programme that empowers parents and teachers to understand children’s behaviour and learning patterns and create the perfect environment to help them reach their potential.

The APD Programme is fast becoming the essential parenting programme for all.

For more information about programmes starting immediately after Pesach throughout NW London, contact Chana NOW on admin@alpidarko.co.uk.

If you wish to Write for the North West Circular Please Contact us via info@northwestcircular.com

57

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What is the budget?

Savings and Pensions

The Budget, or Financial Statement, is a statement made to the House of Commons by the Chancellor of the Exchequer on the nation’s finances and the Government’s proposals for changes to taxation.

The Budget also includes forecasts for the economy by the Office for Budget Responsibility.

• A new Personal Savings Allowance so that the first £1000 of savings income is tax free for basic rate taxpayers, and the first £500 for higher rate taxpayers.

Some of the key changes

(comments are personal opinion only) Tax returns • By 2020, annual tax returns are being abolished and digital tax accounts are to be created in what the chancellor has called a ‘revolutionary’ move ‘spelling the death of the annual tax return’.

The information HMRC needs, will be automatically uploaded into new digital tax accounts.

Tax and employment • Personal tax-free allowance will be increased to £10,600 in April 2015, £10,800 in April 2016, and to £11,000 in April 2017.

(An increase of £1000 in allowances over 3 years, is likely to be far less, than the increase in income for that period) (The first year increase is likely to only save maximum of £60 a year!)

• The higher rate band will also increase by £315 in 2016-17, and by £600 in 2017-18 – taking it to £43,300 in 2017-18.

• Employers’ National Insurance contributions for under-21s to be abolished from this April, and for young apprentices from April 2016.

• Class 2 National Insurance contributions for the self-employed to be abolished entirely in the next parliament.

(This could be less than helpful to some, who through this measure might lose some pension contribution years- as they will not have paid any contributions for every year of work!)

• National Minimum Wage will rise by 20p an hour to £6.70 from October.

• Corporation tax to be cut, to one consistent rate

• A new Help to Buy: ISA scheme to support those saving to buy their first home. For every £200 saved for a deposit, the Government will top it up with £50 with a maximum government bonus of £3,000 for those who save £12,000.

• Pension pot lifetime allowance to be reduced from £1.25m to £1m from April 2016.

Duties • Beer duty to be cut for the third year running, with 1p off the price of a pint. Cider duty to be cut by 2%. Duty on scotch whisky and other spirits to be cut by 2%. Wine duty to be frozen.

• Fuel duty increase scheduled for September is cancelled.

VAT Registration and De-Registration Limits • From 1st April 2015 the VAT registration threshold, above which you are required to be VAT registered will rise from £81,000 to £82,000, and the de-registration threshold will rise from £79,000 to £80,000.

Charities • Automatic Gift Aid on cash collections donations limit will rise from £5,000 to £8,000.

Capital Gains Tax- Non residents The budget notes have clarified that from 6 April 2015, non UK residents will only have to pay CGT on gains arising from 6 April 2015 onwards (i.e. not based on purchase price, but rather based on value at 6 April 2015).

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78

Some of the most frequently asked Q. I have purchased a garment containing 51% Shatnez questions; viscose, 35% polyamide, 7% silk and 7% angora Q. I have checked my suit for Shatnez and have

wool, does it require checking?

now purchased a second pair of trousers, does it A. Angora wool refers to the downy coat produced also require checking? by the Angora rabbit and therefore does not require testing.

A. Yes, spare trousers do require checking as manufactures tend to use different materials in Q. Do the rules of Shatnez also apply to borrowed each trouser. or hired garments, such as wedding or dinner Q. I have purchased a suit that does not contain suits? wool or linen on the content label, does it need to A. Yes, the prohibition of wearing Shatnez applies be checked? to all garments irrelevant as to who the owner of A. Jackets which contain shoulder pads have the garment is. been found to contain recycled materials with a combination of wool and linen and therefore Q. How long will it take for my garments to be should be checked. Trousers not containing wool ready? (Most commonly asked question!) or linen do not require testing.

A. We aim to have them ready by 3 working days, Q. Coats/jumpers/sweaters/scarves etc. containing however clothes containing Shatnez will inevitably Cashmere or “Cashmere blend�, do they require take longer. So don’t leave your Shatnez Checking Shatnez testing? for the last minute! Bring in your Garments now!

A. Cashmere is a fibre obtained from Cashmere

goats and other types of goats and therefore is not Halachicly problematic if mixed with linen fibres. Tel: 020 8958 3448 However manufactures commonly substitute wool Mob: 07792 326 754 fibres from sheep and therefore it is preferable for Email: info@shatnez.co.uk these garments to be tested.

Web: www.shatnez.co.uk