The amount of wealth that’s accessible through equity release is on the rise. It’s something more people are using to boost their income later in life for a variety of reasons.
Equity release is a type of long-term loan that allows you to take out cash from the value of your home. The most common way of doing this is through a lifetime mortgage. With this option, you don’t have to make loan repayments. Instead, the money you borrow, along with any interest accrued, is paid when you pass away or if you move into long-term care.
However, there are drawbacks to consider too. As the interest payments are typically rolled up, the amount owed can quickly rise and affect what you leave behind for loved ones. It can also limit your options in the future.
So, why are people turning to property wealth later in life? Research from Canada Life revealed the top reasons why people are using equity release.
1. To pay off mortgage debt: Half of the people that use equity release use some or all the cash to pay off an existing mortgage. While you’d still have debt after using equity release, you won’t need to make repayments.
2. To make home improvements: More than a third of people plan to use some of the money to make home improvements to create a more comfortable environment.
3. Support day-to-day living costs: As the cost of
living rises, it’s not surprising a fifth of people are using equity release to boost their income for day-today costs.
4. Provide gifts to family and friends: According to Aviva research, more than half of those over 55 want to provide gifts to their families during their lifetimes rather than leaving an inheritance. This is reflected in the fact that 15% of people who have used equity release plan to use some of the wealth to provide gifts.
5. Make substantial one-off purchases: Finally, a significant proportion of people are using equity release to make a substantial one-off purchase. These include a holiday (14%), buying a new property (12%), and buying a new car (10%).
Is equity release right for you?
Equity release can be useful, but it’s not the right option for everyone.
Before you apply for equity release you should ensure you explore other options too. By going through your complete financial plan and the implications of using equity release first, you can have confidence in the decision you make.
Please contact us on 01273 774855 or email advice@pembrokefs.co.uk if you would like more information and quote reference PFSVL.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments. Think carefully before securing other debts against your home. Equity released from your home will be secured against it. Your home may be repossessed if you do not keep up repayments.
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Hello, Welcome to the latest edition of Village Living. Here we are in November. You may have noticed that the trees are looking a bit bare. Infact, Autumn is one of the seasons that is incredibnly lovely. The gorgeous sunsets and the lovely autumn colours in nature are quite spendid this time of the year.
In this months issue we have all our contributors and we hope that you enjoy our latest articles as well as local news from the local theatres, local groups. Thanking all our readers for your support. Please do write or email us about any local events or activities or charity events you may be running or would like to promote locally. Copy date is from the 1st week of November for December. Happy November.
Information correct at time of going to press. May be subject to change. All rights reserved and is the property of the publisher. © Village Living 2020. Reprinting any part or matter appearing in Village Living is strictly forbidden except by permission of the publisher. All copyright of images/content remains that of its photographer/author. Every effort has been made to gain permission to publish copyright material however, where efforts have been exhausted, we have published on the basis of ‘Fair Use’ to comment factual based material where by its use is not central or plays a significant part to the entire publication but to act as an aid for historical and educational purposes only. This publication is offered as a limited print run. The publisher makes every effort to ensure that the magazine’s contents are correct. However, it cannot take responsibility for any effects from errors or omissions. Village Living does not accept any responsibility or liability for any of the services or products provided by the advertisers. Buyers should make their own checks.
Have a local editorial item? email:angievillagelivingmagazine@gmail.com
which are essential for later reminiscences and I look for whatever catches my eye and captures my imagination.
This image was made in Fuerteventura earlier this year. I suppose it would be called a ‘street photograph’ although this term covers many styles of approach and subject matter but basically describes images which are not set up or posed but merely capture unrepeatable moments in time. I like to find interestingbackgrounds and then linger for a while to see if something happens in the foreground which can complete a scene. One favourite approach of mine is to be able to colour match a foreground with a background so I was pleased when a woman dressed in green and pink walked past this painted ocean scene at the harbour.
The trick is to be observant and ready to capture the scene but to wait until the moment is right. In this case, I waited until she was framed in the door way. Frames within an image can draw the eye of the viewer and isolate the focal point of the scene. If I had clicked the shutter button a second earlier, the figure would have had the wooden bench protruding from her back. A second later, she would
have had her head in the fish’s mouth - this would have made an amusing image perhaps but it would have lost the simplicity of the composition. It is also important to catch her mid stride so she does not look static and posed.
I was also attracted to the contrast between the horizontal lines in the shutter style door and the vertical lines created between the slats of the wooden bench. The window on the right hand side balances with the large fish on the left.
If you look carefully, even the bottle of suncream in her hand is the same green as parts of the background.
You can see more of my images here: www.instagram.com/shoreham_steve
My holiday photos may be a little different to yours. My partner takes the traditional family holiday shots
The Cat House in a picture perfect thatched cottage in Henfield. Built in Elizabethan times, around 1550, it is a grade two listed timber frame building in Church Walk, around the corner from the colourfully named Pinchnose Green.
The most notable features of the house, which have given it its name, appear around its outside wall on its frontage, just below the thatch. It is here that are found a number of black cat silhouettes, fashioned from metal. Each identical cat has a bird depicted beside its outstretched paw.
The cat decorations date from the 19th century and are the handiwork of an elderly cooper who lived in the house named Robert Ward. The story behind it is that a cat belonging to neighbour, the clergyman Canon Nathaniel Woodward killed a canary belonging to the barrel maker. Woodward at this time lived opposite at Martyn Lodge. To ward off further attacks by Woodward’s cats and possibly to shame his neighbour over in incident as well, Ward constructed a device built of scallop shells and bells attached to a wire that was stretched around the house. Every day when Woodward passed by Ward would pull the wire making a racket to remind the other man what his cat had done.
At one end of the cottage is an opening from which in addition to tugging on the wire, Robert Ward used to blow loudly on a ram’s horn, whenever his neighbour was in the vicinity, most often on his way to the local church.
Originally the front garden of the Cat House also contained an array of signs presumably all aimed at poking fun at or scaring Woodward. Among these decorations were images of seven cats in a row depicted blowing horns. The wooden outbuilding was mocked up to look like a chapel, with a cross and a large shield like object had what appeared to be a horned bull’s head staring out from it. Strange inscriptions and religious imagery abounded along with images of eyes – presumably suggesting ‘I’m watching you’. A sketch of a cannon firing might have been a play on the word ‘canon’ meaning Woodward, and there was also a drawing of a
devilish figure with a pitchfork.
Clearly it must’ve been the talk of Henfield which is exactly what its creator would’ve intended. Other neighbours though eventually had enough of the regular din and demanded that Robert Ward desist with his noisy protest and take down his scallop shells and bells. The cats on the house however remain to this day.
Another version of this odd local story is that the cooper intended to remind the clergyman that in spite of his position he only regarded him as the ‘cats paw’ of the people. Despite the mockery, Canon Nathaniel Woodward went on to forge a lasting legacy. He was responsible for setting up eleven Woodward Schools including most including most famously Lancing College. It’s landmark chapel, renowned as a fine example of nineteenth century Gothic Revival architecture, is today what Nathaniel Woodard is chiefly remembered for, rather than the alleged behaviour of one of his feline companions.
The Cat and Canary pub in Henfield was named after the Cat House and its story, though its name was later changed to the Old Railway, before being returned to its former name in more recent times.
Refs: Sussex County Magazine, October 1927
St Barnabas House invites you to join the Light Up a Life gatherings on Monday 12 December at 4.30pm or 7.00pm at Worthing Assembly Hall.
This is an opportunity to come together and remember those we love and be thankful for the time we had together.
Olivia’s mum, Michelle, spent her final weeks at St Barnabas House. Here, Olivia kindly shares Michelle’s story and explains what the hospice means to her whole family.
My mum, Michelle, was the glue that held our family together. So, we were devastated
when she was diagnosed with Triple Negative Breast Cancer.
Mum was adamant that she wanted to be cared for at St Barnabas House, and the hos pice soon became the family’s second home.
Seeing her friends and watching her grand children play in the gardens brought mum so much joy. She also got to meet her new granddaughter, which was really special.
On 4 November 2021, surrounded by her loved ones, mum closed her eyes for the last time. It’s hard without her, but we’ll always be grateful for the quality time St Barnabas gave us.
A donation to Light Up a Life is my way of saying thanks for everything St Barn abas did for us. For me personally, it’s a way to remember my mum and keep all those memories we made together alive.
Please visit www.stbh.org.uk/light-up-a-life or call 01903 254777 to book your free tickets and make a dedication.
Please join us for one of our Light Up a Life gatherings of celebration and remembrance on Monday 12 December 2022 at Worthing Assembly Hall at 4.30pm and 7.00pm. You can make a dedication and, if you wish, make a donation in memory of your loved one by visiting www.stbh.org.uk/lightupalife or scan the QR code to find out more about the appeal.
After more than thirty years of service, test pilot Captain Pete ‘Maverick’ Mitchell (Tom Cruise) is back where he belongs. Brought back from the wilderness, he is tasked with teaching a team of elite flyers - one of them has links to a tragedy in Maverick’s past. Cert 12, duration 130 mins.
Tuesday 1st November, 7.30 pm. Tickets avail able from Box Office or on-line. £7.
Presented in relaxed and friendly conditionssuitable for all, especially people with any form of memory loss. Add to your brilliant memories of Mary Poppins as author P.L. Travers agrees to meet Walt Disney after she had refused for 20 years. See how Travers and the script
writers argue as the music and songs are composed.
Cert PG duration 125 mins.
Monday 21st November, 2.00 pm. Tickets available from Box Office or on-line, £5.
Telling the true life story of American music icon Elvis Presley, from his childhood to becoming a rock and movie star in the 1950s. When Colonel Tom Parker (Tom Hanks) spots a young Elvis Presley (Austin Butler),
IThe influence of the East on European jewellery pervades in all its aspects. This lecture looks at the gemstones that were traded and exported to Europe, such as pearls from the Indies in Roman times, and the gems in the Crown Jewels.
There are rubies from Burma, sapphires from Kashmir and Ceylon and Imperial Jade from China. With these gemstones came influences on styles and the way that jewellery was worn.
Some pieces were directly copied and at other times simple motifs were added to existing styles.
Techniques too were learnt, such as the Japanese cloisonné enamelling used by the
French jeweller Falize. This lecture aims to show the glamour of the East and how the West embraced and absorbed its myriad influences.
The Steyning Centre, Fletchers Croft, BN44 3XZ
10:00am - 12:00. Free to members, £10 donation for visitors. steyning@theartssociety.org www.theartssocietysteyning.org.uk
- suitable for all, especially people with any form of memory loss. Add to your brilliant memories of Mary Poppins as author P.L. Travers agrees to meet Walt Disney after she had refused for 20 years. See how Travers and the scriptwriters argue as the music and songs are composed.
After more than thirty years of service, test pilot Captain Pete ‘Maverick’ Mitchell (Tom Cruise) is back where he belongs. Brought back from the wilderness, he is tasked with teaching a team of elite flyers - one of them has links to a tragedy in Maverick’s past.
Cert 12, duration 130 mins.
Tuesday 1st November, 7.30 pm. Tickets available from Box Office or on-line. £7.
Presented in relaxed and friendly conditions
Storrington Film Nights are organised by the Rotary Club of Storrington & Pulborough District.
Storrington Film Nights are organised by the Rotary Club of Storrington & Pulborough District.
The next film, on Wednesday 9th November, will be “Operation Mincemeat”, starring Colin Firth and Matthew Macfadyen. The extraordinary and true story of an idea that helped to alter the course of the war. The showing commences at 7.30pm, at Sullington Hall, Thakeham Road, RH20 3PP.
All Government Covid guidance will be Observed.
The December film, on Tuesday 13th will be “Downton Abbey- A New Era”. Starring Hugh Bonneville & Maggie Smith. The much-
Have a local
item?
Performance commences at 7.30pm
There will be an interval and Bar & Raffle.
Tickets £5 from ‘The Card Shop’ in Storrington. Unsold tickets will be available for purchase on the door on the night.
For further details please contact Ken Collins on 01903 740745
Government Covid guidance will be observed.
Rotary Club Members can provide transport to the Film Night for local residents who are unable to make their own arrangements. Anyone needing transport should contact John Ollerton on 07523322554
All proceeds go to charitable causes supported by Rotary. Registered Charity No.1029115
anticipated return of Downton Abbey.
Tickets are £5, and are available from the Card Shop in Storrington. Any unsold tickets will be available on the door, on the night. There is a Bar and a Raffle during the interval.
email:angievillagelivingmagazine@gmail.com
If you’re a guy who waits until some-thing is seriously wrong before goingto the doctor, you’re not alone. Local Urological Surgeons, Simon Woodhamsand Dan Magrill open up about Men’s Health.
It’s a common problem among men…a reluctance to talk about our health and more specifically, the prostate, penis or bladder. It’s understandable really, problems ‘down there’ don’t exactly make us feel our most mascu line and talking about any type of health issue is never easy. But we need to face up to the problems.
Mr Woodhams explains ‘Women are way ahead of us in terms of raising awareness for their own cancers such as breast or ovarian cancer. Men are lagging behind simply because of a reluctance to talk about these problems. It’s an issue that is getting better.
Now, for example, we have ‘Movember’ when men are encouraged to grow a moustache for a month to help highlight male cancers.
Movember, not only creates a fun way to raise money and awareness for men’s health issues, it also starts conversations about these issues. But there’s still a fair way to go. The biggest challenge is to not only to get men to spot symptoms, or to see their GP, but to talk about it openly. It’s nothing to be ashamed of.’
Mr Magrill continues, ‘It’s not the easiest thing to talk to your doctor about but early detection of conditions along with raising awareness in Men’s Health is important. It’s understandable why men shy away from issues with their urinary tract, lumps on the testes, erectile dysfunction or prostate but, like most illness or disease, we need to know more about these problems, and although the more we search for them, the more cases we find, it does help us get closer to helping people live longer and improve their quality of life. The earlier we spot symptoms, the greater the chance of finding curative solutions for them.’
Symptoms don’t always mean bad news and that if men visit their doctor early on, they might
save themselves a whole lot of worry. Many of the signs that people associate with the pros tate can be harmless. For example, problem urinating can be caused by the enlarging of the prostate gland, but that does not necessarily mean cancer. Also, erectile dysfunction can actually have more to do with the heart and can precede heart conditions that may present themselves in a few years time. So, it’s defi nitely worthwhile being examined to manage, prevent or treat that.’
For more information or to book a private ap pointment please visit www.westsussexurology. co.uk
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