The Connection Magazine (Norwich) April/May 2022 by The Connection Magazine

Contents 10 Look Back in Time 16

12 Competition: Win a £25 Jarrold Voucher 14 Financial Advise from Wensum Financial Planning 18 A Joyous Jubilee 22 Recipe: Mediterranean Baked Chicken With New Potatoes And Tomatoes 24 Travel: Niagara Falls 28 Interiors: Organise Your Utility 30 General Knowledge Crossword

24 32 Beauty: Embrace Your Curls 34 Norwich Wildcats Girls Rugby Club 36 Motoring: Lexus NX 38 Gardening: The Queen’s Green Canopy 40 Books For Wellbeing

42 16

42 The Best Everyday Coffee Machines 44 Coltishall Cosmetic Clinic: The Evolution of Dermal Fillers

18 46 Index of Advertisers

Spring... has finally arrived and the clocks should be going forward around the time this

issue of The Connection lands on your doorstep. Lighter evenings and warmer weather will be very much appreciated - something positive amidst the uncertainty that’s happening in the world right now. If you have a daughter in years 5 to 13 who is looking for a hobby, she may be interested in joining Norwich Girls Rugby team ‘The Wildcats’. They are currently recruiting new members - see page 34 for further details. As always if you need a trades person please support the businesses advertising with us and don’t forget to tell them that you saw them in the Connection, it really helps. Have a great read, there’s lots of articles as usual, and don’t forget to enter our Find the Kittens Competition for a chance to win a £25 Jarrold voucher. Until next time... Editor

Annette

01603 466829

DEADLINE for booking an advert in the June/July edition is 28 April 2022. Email:the-connection@outlook.com 01603 466829 www.the-connection-magazine.net See page 47 for more details and a full price list.

Andrew Brierton Domestic Appliance Repairs Factory Trained Est 1999 All Makes Bosch Zanussi AEG John Lewis Hotpoint Indesit All Appliances Cookers Washing Machines Dishwashers Tumble Dryers

Roland Chapman Electrical Ltd All electrical work undertaken such as:

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For a friendly, professional and reliable service call Roland on 0785 0815424 or 01603 880654

COMPETITION

FIND THE KITTENS AND WIN A £25 JARROLD VOUCHER There are FIVE kittens hiding in the pages of this magazine (just like the ones here but smaller) Find all the other five to be in with a chance of winning

TO ENTER: 1) Read this copy of The Connection cover to cover and find the other FIVE kittens and make a note of the page they were found on. 2) Apply via our website, just go to: www.the-connection-magazine.net/competition and follow the instructions (if you don’t have internet access or struggle with using the internet please give us a call on 01603 466829. You can leave a message with the page numbers, your name and telephone number and you will be entered in to the competition) The closing date for entries is 15 May 2022 and a winner will be chosen within 7 days The Connection Magazine competition terms and conditions apply

Finance

Little Boxes PART 4 By Trevor Goodbun

This is the last of my series on the tax treatment of different investment types.

to tax. So that the good news what’s the bad?

As a reminder many investments that are available today come in many different legal structures or “boxes”. What I mean by this is that where the money is invested is the same, but the different boxes have different legal structures, most notably tax treatment. The area I want to look at today are investment bonds but straight away I run into an issue. The word bond is used for many different types of financial products, for example fixed term deposit accounts, or loans to companies. The bond I want to talk about is an investment issued by insurance companies. The reason they are issued by insurance companies is that they are technically life assurance policies. It’s unlikely you will be aware of that because they were (are) sold as investments. A few clues as to where you have one of these contracts is if they use one or more of the following terms, Policy Holder, Assured, Life Assured or Sum Assured. Anyway, back to what I am supposed to be talking about, the tax. Unlike the types of investments I have talked about previously, these products have basic rate income tax deducted from the investment itself. In a way that makes things nice and simple . Even better news for very complex reasons I won’t even attempt to explain the rate will nearly always be less than the usual 20%. Also, you can take up to 5% of the original money invested without an immediate liability

Let me start with the 5% issue first. Often sold as a tax free income, its not. It is taken back into account when the bond is cashing in. That can be advantageous from a timing point of view but often it’s a question of deferring the tax rather than not having to pay it. Secondly, even if you are a non tax payer you can’t get back the tax deducted from the fund. That won’t apply to many people, but the next point will. Most people will use up their tax free £12,570 personal allowance with their income. However, you can also have £2,000 a year dividend income on top or that and up to £12,300 capital gain each year without having to pay tax on it. But if the money is invested in an investment bond you can’t take advantage of that. Finally when you come to cash in the bond the tax treatment can be very complex. In conclusion I am not saying an investment bond is a bad investment, but like all things is has to be the right thing for the right person at the right time.

Trevor Goodbun is the author of Plan A Secure Retirement, published by Hodder and a partner at Wensum Financial Planning www.wensumifa.com 01603 731170 2c Oval Road, New Costessey, NR5 0DE

Recipe

Mediterranean Baked Chicken With New Potatoes And Tomatoes

Travel

Interiors

Organise Your Utility

38 Allen’s Avenue, Sprowston, Norwich, NR7 8EP

A family business of over 30 years Fitted carpets are properly stretched, all joins are hand sewn, doors cut and rooms cleaned on completion

That’s what we call a first class service 29

GENERAL KNOWLEDGE CROSSWORD

Answers on page 46

Across 1. Nocturnal flying creature (4) 3. Black treacle (8) 9. Marine plant (7) 10. Approximately (especially of a date) (5) 11. Not in accordance with the principles of a particular branch of knowledge (12) 14. One of the digits of the foot (3) 16. Dwelling house (5) 17. Film starring Bette Davis, All about

___ (3) 18. Overpoweringly attractive (12) 21. Straps (usually connected to the bit) used to control a horse (5) 22. Carnivorous freshwater fishes of South America (7) 23. Fire-raiser (8) 24. Measure of medicine (4) Down 1. Two-winged, blood-sucking insect (8) 2. Snares (5) 4. Not divisible by two (3) 5. Profession of designing buildings (12) 6. Small fish (7) 7. Crust-like surface of a healing wound (4) 8. Shop selling ready-to-eat food products (12) 12. Ms Campbell, model (5) 13. Song sung beneath a lady's window (8) 15. Insects having a pair of large pincers at the rear of the abdomen (7) 19. Small drum played with the hands (5) 20. Geographical region of indefinite boundary (4) 22. Step in dancing (especially in classical ballet) (3)

Beauty

EMBRACE THE CURLS

Sport

NORWICH WILDCATS RUGBY CLUB

Come along and join in the fun with Norwich Wildcats Girls Rugby We train every Tuesday from 6.30 - 8pm and Sundays 10 - 12.30 at Beeston Hyrne, North Walsham Road, Beeston. We are currently recruiting girls from school Years 5 to 13 for the 2022 season.

Make friends, gain confidence, have fun, PLAY RUGBY! No experience necessary, just a willingness to give rugby a try! For more information follow the Wildcats social media pages @norwich.wildcats or email the director of girls rugby: Chrisdrohan@hotmail.co.uk.

Motoring

Peter J. Wright EST. 1985

INTERIOR PAINTING & DECORATING PROFESSIONAL PAINTER & DECORATOR

Interior decorating FREE estimates Fully Insured Member of Norfolk Trusted Trader A FRIENDLY SERVICE AT A COMPETITIVE PRICE

01603 488796 2 Three Corner Drive, Old Catton, Norwich, NR6 7HA

Books

Books For Wellbeing

Home

The Best Coffee Machines For Every Day Life

Advertorial Evolution of dermal fillers: The 4th dimension. Do we now have something that delays skin ageing? At the Coltishall Clinic we specialise in providing a natural look and work hard to provide a safe and comfortable treatment.

products used for treatment of lines & wrinkles and filling out areas of lost volume from the face and body. There are two broad categories of these, temporary fillers [HA] which Restylane range of dermal are natural and gradually get absorbed with time and fillers has been used for 25 years and 50 million permanent fillers that do not treatments have been carried degrade over time. We have out worldwide never used permanent fillers due to possibility of permanent Dr Sanjay Gheyi MBBS MS FRCS side effects. Permanent fillers can cause problems that are BCAAM, Medical Director at difficult to rectify. Concepts of the Coltishall Cosmetic Clinic says-“they come and they go, beauty change over time. but HA based fillers have stood Dermal filler that looks good today may look unsightly a few the test of time. It is not that years down the line! we shy away from new treatments. For those of you There are cheaper fillers who know us, we have available but we want to be invested heavily in new technology and have 25 state- absolutely sure that we are using the best product. It gives of-the-art lasers and light us flexibility to reverse or devices.” modify the effects if there is a problem, and it is very rare to Our doctors have personally have to do this but it is nice to carried out thousands of Restylane treatments over last know that it is possible. As fourteen years and it works, is aesthetic treatments are very cost effective and it lasts elective treatments we must try to minimise chance of longer than many other things going wrong. products on the market. We also use other reputable dermal fillers such as Belotero, How far we have come? When we first started doing Radiesse, Profhilo and Juvederm range which are also dermal filler treatments the emphasis was on filling lines fantastic treatments. and wrinkles, we saw with Dr Ava Lee BSc MSc MBBS MRCP (UK)(Dermatology) is our interest as gradually we began to understand how our face highly qualified Consultant Dermatologist and also offers ages and deflate with time. So some Saturday Clinics for your the focus shifted to replacing lost volume. We moved from convenience. filling lines and wrinkles to adding volume. We also knew Dermal fillers are widely available. These are injectable that in addition to loss of

volume, gravity takes its toll and the face begins to sag. We never thought that using fillers could fight gravity-until new research came out just now that shows it is possible. We now have evidence that using hyaluronic acid dermal fillers strengthens the deeper layer of the face. This firms up deeper tissue, which resists gravitational descent. We can say with confidence that use of our treatments can delay ageing. So you now know the answer to this questionDoctor, if I use dermal fillers will it age my face quicker? So what areas do we commonly treat? Answer is- all face. For ease of use we have divided the face in three areas and discussed these belowUpper face- lines on forehead, frown lines. Adding volume to fill out sunken temples and fill out deflated eyebrows and forehead Mid face - Fill out to lift saggy cheeks, fill out under eye hollows for the treatment of dark circles and tear trough areas. Lower face- nose to mouth lines, lines around the mouth and lips, chin enhancement, lips, lift jowls and jawline. Body – We can use skinboosters on many areas such

as crapey skin on hands, arms, legs, abdomen, neck, décolletage or any other areas of concern. What are the risks? In general these are safe treatments when performed by reputable and experienced doctors. This area is however largely unregulated so choose wisely. Experience and results of your practitioner is the most important factor. Our doctors are highly regarded experts and our clinic has won several awards including Best Skincare Clinic Norfolk, Best Cosmetic Surgery Clinic for three consecutive years and Global 50 Winner. To find out more information or to book an appointment call Coltishall Clinic on 01603 736487 or log on to the website www.coltishallclinic.co.uk

www.coltishallclinic.co.uk 45

Index of Advertisers

Local advertising for local businesses Call: 01603 466829 Email: the-connection@outlook.com www.the-connection-magazine.net

Crossword answers Across: 1 Moth, 3 Molasses, 9 Seaweed, 10 Circa, 11 Unscientific, 14 Toe, 16 Abode, 17 Eve, 18 Irresistible, 21 Reins, 22 Piranha, 23 Arsonist, 24 Dose. Down: 1 Mosquito, 2 Traps, 4 Odd, 5 Architecture, 6 Sardine, 7 Scab, 8 Delicatessen, 12 Naomi, 13 Serenade, 15 Earwigs, 19 Bongo, 20 Area, 22 Pas. Nothing in this magazine may be reproduced in whole or in part without the permission of The Connection magazine . Although The Connection has endeavoured to ensure that all information inside the magazine is correct, details, prices, dates and times may be subject to change. The Connection cannot be held responsible for any errors or omissions, or endorse products or services that appear in this magazine.

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