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01823618701 wa y ne @pr e pa r e dme di a . c o. uk www. pr epa r edmedi a . c o. uk 17t hNov e mbe r2017

NE WJ OBS I NSI DE !

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Oppor t uni t i esoft heWeek

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Oppor t uni t i esoft heWeek

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Poni esCel ebr at eChr i st mas!

TheDar t moorPonyHer i t ageTr ust( DPHT)i sa r egi st er edchar i t ycommi t t edt opr eser vi ngt he Dar t moorPonyonDar t moorf orf ut ur egener at i ons t oenj oy .

Bychoosi ngone–ormor e-oft hef ol l owi ngasa Chr i st masGi f t ,youwi l ldi r ect l ysuppor tourwor k ANDgi vesomeunusualandl ovel ypr esent s.Or or gani seaFREEf undayoutwi t hourGui desat Bel l ever ,nearPost br i dge,f oral lt hef ami l yand f r i endst owal kof fsomeoft heChr i st masFest i vi t i es! !

Wehavet hemost gor geousl emonand mi ntscent ed Dar t moorPonysoap ( f orhumansof cour se) !Asi t s‘ chosen char i t y’ ,t heDar t moorSoapCompanyi sdonat i ng 5pf r om eachbarofever yki ndofsoapi tsel l s acr osst hewor l d,t ot heDPHT.Takeal ookatwww. t hedar t moor soapco. co. uk.Weal sohavebeaut i f ulandexcl usi veChr i st mascar dsf eat ur i ngDar t moorpony‘ Hope’ . ( Phot oshowsDPHTAdopt i onand‘ Poni esI nspi r i ngPeopl e’ ponySmar t i e,t aki ngi nt hescentof ourspeci alsoap) Howabout‘ adopt i ng’ apony?Agi f tsui t abl ef or anyone,ofanyage,whol oveshor sesandponi es, butf orwhom buyi ngar ealonei ssi mpl ynotan opt i on.Thecosti sj ust£20peryearf orUKr esi dent s:£25f ort hosewhol i veabr oad.Ever yAdopt i onPacki ncl udesabeaut i f ull i nedr awi ngandan adopt i oncer t i f i cat e;andyou’ l lr ecei ver egul arup dat esont heant i csoft heponyyouhavechosen, overt hef ol l owi ngyear .

Adopt i onponi esGeor ge,Char l i e,Smar t i e,Rol o l ookf or war dt omeet i ngyouandt obecomi ngpar t ofyourf ami l y!Comeal ongt ogr oom andhandl e t hem andf i ndoutal laboutt hem,f ol l owt hei ri nt er est i ngl i ves,di scovert hei rt r ueval ueandhowi mpor t antt heyar et ot heDar t moorl andscape.

Bybuyi nganAdopt i on,youwi l lbehel pi ngt he DPHTt of eedandcar ef ort heponi esbasedati t s Cent r eatPar ke,BoveyTr acey ,Devon;andt ogi ve youngmoor l andbr edponi esabasi ceducat i on,so

t hatt heyar emor esui t abl ef ordomest i candconser vat i ongr azi nghomest hancomi ngst r ai ghtof f t heMooraswi l d,unt ouchedani mal s.

Renownedar t i stMi chaelLeespai nt edabeaut i f ul moor l andscenef orusaf ewyear sagoandt hel i mi t ededi t i onpr i nt( bel ow)i savai l abl ei navar i et yof f or mat sandsi zes.Fi ndoutmor evi aourwebsi t e: www. dpht . co. ukandseeMi chael ’ ssi t e:www. ar t f or poni es. co. uk Al lmoni esgot owar dst hewor kwedot ogi vet he poni esgr eat erval ueandt odel i verouri nnovat i ve educat i onalpr ogr ammes-‘ Poni esI nspi r i ngPeopl e’ –maki ngabi gdi f f er encet oyoungpeopl e’ sl i ves– usi ngourDar t moorponi esast he‘ pl at f or mf or l ear ni ng’ .

MERCHANDI SEALSOAVAI LABLEVI A‘ PI XI ELAND’ ATDARTMEET I fyouwi sht of i ndoutmor eaboutt heDPHT,pl ease see:Websi t ewww. dpht . co. uk,oremai ladmi n@dpht . co. ukorphone01626833234 Rel easef r om www. dpht . co. uk Devon

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Somer set Cor ni shConf ect i oneryf i r m But t er mi l k i nt r oducesnew r eseal abl epouchesf or t wof udgef l avour s But t er mi l khasl aunc hednewr es eal abl es har i ngpouc hesf ort wo ofi t smos tpopul art r eat s .

Thef ami l y r unCor ni s hc onf ec t i oner yf i r m hasi nt r oduc edt henew pac k si nt wof l av our s ;Car amel SeaSal tc r umbl yf udget opped wi t hmi l kc hoc ol at e( 120g)andCar amel SeaSal tHoney c omb di ppedi ndar kc hoc ol at e( 100g) .

Ret ai ni ngt hes t y l i s hdes i gn ofBut t er mi l k ’ sf amousr ange ofar t i s ant r eat s ,t hepouc hes ar ei deal f orpi c ni c sort opop i nt oahandbagandar e per f ec tf oranoc c as i onal t r eatont hegoorabi gni ght i n.

But t er mi l kdi r ec t orTr ac yMc Donnel l Goads ai d:“ We’ v el i s t enedt o c us t omerf eedbac kandi nt r oduc edt her es eal abl epouc hest o ens ur ey ourf av our i t et r eats t ay sf r es hf orwhenev ery ouwanta t r eat .Thats ai d,Iam y ett os t opateat i ngt hewhol ebag” !

Thes har i ngpouc hesc os t£2.

50eac handar eav ai l abl eex c l us i v el yatSai ns bur y ’ ss uper mar k et s ;pl usot herout l et sf r om J anuar y .

Rel eas ef r om Mar gar etMc Donnel l ( MACPR)

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Gl oucest er shi r e Mobi l emoneycoul dpavewayf oreconomi cst abi l i t yi nemer gi ngeconomi es–butonl y i fbankscol l abor at eonservi ces Ther api dadopt i onofMobi l ePay mentSer v i c es ,mor ec ommonl yk nownas T oenc our aget hi s ,gr eat err egul at i onoft hei ndus t r yi sneeded. “ mobi l emoney ” ,ac r os semer gi ngec onomi esc oul dbet hek eyt oboos t i ngmac r oec onomi cdev el opmentandl i f t i ngc ommuni t i esoutofpov er t y .

Dr .Sus annaKhav ul s ay s , Thes ef i ndi ngsar epar tofat hr eey ears t udyatt heLondonSc hool ofEc onomi c s andPol i t i c al Sc i enc e( LSE) ,anal y s i ngt heupt ak eandi mpl ement at i onofMobi l e Pay mentSer v i c esof f er edbybank i ngandt el ec ommuni c at i ongr oupsi nemer gi ng ec onomi eswher eac c es st ot r adi t i onal f i nanc i al s er v i c esi sabs entf ormuc hoft he popul at i on.

Thes t udyi ss uppor t edbyLSE’ sI nt er nat i onal Gr owt hCent r e,t heLev er hume Tr us tandLSE’ sDepar t mentofManagement .

Pr of es s orSaul Es t r i n( LSE) ,whoc ol edt her es ear c hwi t hDr .Sus annaKhav ul ( SanJ os eSt at eUni v er s i t y / LSE)andDr .Adel i nePel l et i er( Gol ds mi t hs / LSE) , s ay s , “ Thehi s t or i c al l yper c ei v edhi ghr i s kandc os t sas s oc i at edwi t hof f er i ngf i nanc i al s er v i c est ot hos ei npov er t ymeanst hatmanybank shav ef ai l edt openet r at es uc h mar k et s .Thi shasc r eat edt heoppor t uni t yf ort el ec ommuni c at i onspr ov i der st o of f ermobi l emoneys er v i c esasanal t er nat i v e.Ourr es ear c hs howedt hatmobi l e pay ment sc anhel pt os t i mul at eec onomi cdev el opmentbyf or mal i s i ngt r ans ac t i onswi t hi ni nf or mal ec onomi cs t r uc t ur es ,bui l di ngv i r t ual paper c hai nsofi nf or mat i onex c hanget hushel pi ngt ogener at et r us tbet weenus er s . ”

“ Ther egul at i onofmobi l emoneyi sc ompl exbec aus ei ts panst hei nt er s ec t i onof t hebank i ngandt el ec ommuni c at i onsi ndus t r i es ,eac hofwhi c hhav ev as t l ydi f f er entr egul at or yr egi mes .Thek eyi st of i ndabal anc ebet weenc ons umerpr ot ec t i on andf i nanc i al i nnov at i on–t oomuc hr egul at i onmayl eadt ooner ousr equi r ement s whi c hc annotbemetbyt hel ar genumber sofpeopl epr ev i ous l yex c l udedf r om t he f i nanc i al s y s t em andmayr es t r i c tt her eac hofmobi l emoney ,par t i c ul ar l yi n r emot ear eas . ” Thef i ndi ngsoft hi ss t udywer edi s c us s edl as tmont hatt heMobi l eMoneyandFi nanc i al Dev el opmentConf er enc e,hos t edbyr es ear c her sandt heI nt er nat i onal Gr owt hCent r eatLSE. Panel sofex per t sf r om ac ademi a,gov er nmentandanumberofgl obal bank sand f i nanc i al s er v i c espr ov i der sc ons i der edt heev ol ut i onofmobi l emoneyi nemer gi ng ec onomi es ,andagr eedupons ev er al ac t i onst oenc our agepr ogr es s i on;

•Mobi l emoneys houl dbes eenbys er v i c epr ov i der sasagat ewayf orf i nanc i al i nc l us i onandani nt egr al t ool f ormoneymanagement ,ands houl dbebet t erpos i t i onedass uc h •Thet ec hnol ogyc ur r ent l yunder pi nni ngmobi l emoneyi snots uf f i c i entoni t sown t obr i ngaboutf i nanc i al i nc l us i onf orus er s .Fi nanc i al dev el opmenti nt hi sar eawi l l Howev er ,des pi t ei t spot ent i al ,t her es ear c her snot et her ear el i mi t st ohowf art hi s dependonc ar ef ul l yc ons t r uc t edbus i nes spr oc es s esandt hec r eat i onofenabl i ng t ec hnol ogyc angoi nboos t i ngec onomi cdev el opment ,asmobi l emoneyhast r a- r egul at or yenv i r onment s di t i onal l yonl yf oc us edonpr ov i di ngpay ment sandc r edi ts er v i c es .T oens ur ef i •Thoughmobi l emoneydoesr epr es entoneoft hebi gges toppor t uni t i esf orf i nannanc i al i nc l us i onf ori ndi v i dual sandbus i nes s esoper at i ngi ns uc hr egi ons ,and c i al dev el opment ,i tneedst hec ol l abor at i onoft hepr i v at es ec t or ,gov er nment s , enc our ageec onomi cgr owt h,t heabi l i t yt oac c es ss av i ngsandi ns ur anc epr odandr egul at or st obeef f ec t i v e uc t sv i amobi l emoneys er v i c esi sv i t al .

Thes ummar yoft hec onf er enc ec anbev i ewedont heI nt er nat i onal Gr owt hCenTher es ear c hc onc l udest hats uc hs er v i c ess houl dbegener at edt hr oughc ol l abo- t r e’ swebs i t e. r at i onbet weenMobi l ePay mentSer v i c epr ov i der s ,bank s ,gov er nment sandot her s t ak ehol der s .

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