To contact us: tracey@wacbook.co.uk Tele: 01603 717681 Great Value Advertising! For fees & sizes see inside rear cover or: www.satbook.co.uk Inclusion Deadline for Oct/Nov edition is 12th Sept 2023
Welcome… to the latest edition of THE STRATTON & TASBURGH BOOK
Summer is in full swing - I hope you’re enjoying the fabulous weather!
At home, we often reflect on our good fortune growing up here in the county of Norfolk - we really are lucky in that respect aren’t we? Looking back to 2006, I was still on maternity leave when we decided to create a new community-based publication over in the Wroxham & Coltishall areas. Long Stratton & Tasburgh areas followed four years’ later.
In September, our youngest son Jack turns 18 having finished Sixth Form and commenced work. We have no school-age children left at home now! That seems pretty scary to us - wherever does that amount of time go? It certainly serves as a good reminder to make the most of life, appreciate the simple things, and do our best to ‘live in the here and now!’
You’ll find a wide range of puzzles, quizzes and features inside this edition; including Dame Prue Leith as our featured celebrity.
Enjoy August & September… Tracey @TraceySATBook
Community Events & What’s On
Puzzle Page; Sudoku, Quiz, Pictogram & Two -Minute
This magazine is one of 5,000 copies delivered to residents & businesses in: Long Stratton, Tasburgh, Newton Flotman, Hempnall, Morningthorpe, Fritton, Shelton, Hardwick, Saxlingham Nethergate, Saxlingham Green, Swainsthorpe, Tharston, Gt Moulton & Wacton.
Life has been rather turbulent for many of late, with the world of financial advice being no different. The rise in interest rates and spiralling cost of living are driving some interesting trends in our industry, particularly around retirement. Let’s take a look!
Trend 1: Annuities are making a comeback
Annuities used to be the most popular option when it came to drawing your pension. All that changed in 2015 with the pension freedom reforms when income drawdown became the dominant approach, offering greater flexibility and value for most retirees.
However, in a world with higher interest rates and higher bond yields, annuities have become a more attractive option again, with 2022 seeing annuity rates hit a 14year high.
To put some numbers behind that, at the end of January 2022 a £100,000 pension pot could have bought an annuity income of around £5,003 a year. In January 2023 the same amount could have bought an annuity of £6,892 a year – a significant increase!*
The right approach to retirement income is very much an individual decision. However, more advisers are now considering a blended approach, combining the potential for continual growth of the pot through flexible income drawdown with an annuity against part of the pot for the peace of mind of a guaranteed monthly income. The desire for this kind of financial stability has only been exacerbated by concerns over the rising cost of living.
Trend 2: Taking advice is even more valuable during
uncertain times
Last year, the minimum pension
The Latest on Retirement Income
income needed to survive as a single pensioner increased by 18% (19% for retired couples) according to a study funded by the Pensions and Lifetime Savings Association (PLSA) at Loughborough University.
Whilst the new state pension rose to £10,600 a year in April 2023, that’s still a shortfall from the £12,800 a year quoted as the minimum amount required per year for a single pensioner, and a far cry from the £23,300 needed for a moderate standard of living in retirement.
Even if you have a pension pot to supplement that (and you jolly well should have!), the more living costs increase, the further your pot has to stretch.
Worrying, the PLSA research suggests that millions of people will not have enough money to cover their day-to-day living costs. In fact, only about 28% of the population are on track for that moderate income level or higher – and these figures pre-date last year’s big rise in inflation, so the reality could be even more shocking.
The best way to make sure you are on track for a decent retirement?
Get some professional advice. To quote some figures from a study by the International Longevity Centre (ILC) and reported on Unbiased: “Brits who took professional financial advice between 2001 and 2006 enjoyed an average increase in their assets of nearly £48,000 after 10 years, compared to those who took no advice. The benefits of advice were particularly significant for those with less disposable income, and also for people who took advice more than once. The combined benefits of advice over the 10-year period work out as approximately 2,400% greater than the initial cost of the advice.”
As well as the very real financial
benefits of taking financial advice, the peace of mind alone can be worth a huge amount, especially during uncertain times.
Trend 3: Advised clients are more confident about their retirement than their advisers
It’s quite worrying to note that 46% of advisers** believe only a minority of their clients will have enough in their portfolio to meet their retirement expectations.
Interestingly though, 69% of advised investors and 61% of nonadvised investors are confident they will still be able to achieve their retirement goals. So, something doesn’t quite add up!
This false confidence amongst investors is not a new phenomenon, but with the extra challenges posed by the recent cost of living increases, the impact could be more significant than ever.
Aa advisers, we have the (sometimes tricky!) job of helping guide our clients through this and manage expectations of what retirement might really look like. We also have the opportunity to try and help improve the prospects for our clients by helping them identify how to bridge that gap.
If you have any concerns about reaching your retirement goals, speak to the team at Face to Face Finance to see how we can help you get on track.
*Source: https:// www.origenfs.co.uk/news/areannuities-making-a-comeback/ Figures based on married 65 year old, single life level annuity with 5year guarantee.
** Source: Embark Investor Confidence Barometer 5
Visit www.ftof-finance.co.uk or call 01603 625100
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Beccles based care provider Home Support Matters is hosting a social beach clean on Saturday the 16th of September at Pakefield beach as part of National World Clean Up Day.
Home Support Matters are inviting you to join them in clearing a section of our beautiful coastline covering a section of the Pakefield beach and green spaces to clear it of waste and litter.
After, you’re invited to pack a social bring your own picnic and enjoy the coastal air and hopefully warm weather together.
Doing your bit for the environment and joining in with the community for an enjoyable social day.
Waste removal and bin bags have kindly been provided by Radical Waste @ Ellough.
Meeting at All Saints Road Car Park for 11am there are a few free car parking spaces, additional are available at Pakefield St, Pakefield, Lowestoft NR33, UK pay and display. Accessible from public transport with bus links a short walk.
Please note there will be designated areas of this clean up accessible to all, but the beach does not have direct hard surfaces.
Please sign up for free using event bright or via the
events section on Home Support Matters Facebook page or email: sara.basey-fisher@homesupportmatters.org.uk to get involved.
· · & you’ll find we are passionate about helping you!
This handy publication is carefully created & distributed bi-monthly to 5,000 homes & businesses in all these local areas:
· Long Stratton
· Tasburgh
· Newton Flotman
· Hempnall
· Long Stratton
· Morningthorpe
· Fritton
· Tasburgh
· Shelton
· Hardwick
· Newton Flotman
· Hempnall
· Saxlingham Nethergate
· Morningthorpe
· Fritton · Shelton · Hardwick
· Saxlingham Green · Swainsthorpe
· Tharston
Saxlingham Nethergate
Saxlingham Green
Swainsthorpe
Tharston · Great Moulton
Community Events & What’s On...
You can use this page to send your FREE message to 5,000 households and businesses!
3rd LONG STRATTON BROWNIE PACK meets every Thursday 6pm - 7.30pm term time at the Methodist church, Manor Road, Long Stratton. If your daughter is aged between 7 and 10 years and would like to join Brownies please call Brown Owl (Gill) on 01508 530378 or e-mail gillworrell@btinternet.com for further information or to arrange a visit to see what we do.
LONG STRATTON GYMNASTIC CLUB every Thursday evening and Saturday afternoon caters for girls aged 5 to 18 years. The club runs a disability session on a Saturday which is open to boys and girls at Long Stratton Leisure Centre, first session free. For more information contact Tina on 01379 740948.
LONG STRATTON TODDLER GROUP every Monday and Wednesday morning 9.15-11.15am (term time only). Held at the Methodist church on Manor Road. First session free, £2.00 thereafter. www.longstrattontoddlers.co.uk
TAS WELL JUNIORS - The last Saturday of every month 6-8pm at the Tas Well Social Club for children of all ages. Games, activities & lots of fun. More info: Mel on 01508 532146 or mel.large@btinternet.com
COFFEE MEETING - meet some old friends, make some new friends, have a chat, a cup of tea & a piece of cake at the Coffee Pot, every Wednesday 2.003.30pm in the Tasburgh Church Room.
CASUALTIES UNION NORWICH BRANCH - Meets at the Vauxhall Centre, Johnson Place, Norwich, NR2 2SA 7:30pm 9:30pm Weds new members welcome for details contact 01508 494492 www.casualtiesunion.org.uk
KIDDY COOK - Cookery workshops for 4-11 year old chefs held in Tasburgh. Held once a month on Saturday mornings and during school holidays. www.kiddycook.co.uk or call Fran on 07973 724870 for the latest schedule.
HEMPNALL MILL CENTRE- Bookings Sarah Batchelor info@hempnallmillcentre.co.uk 07504 699534 www.hempnallmillcentre.co.uk
NEED SOMEWHERE TO HOLD A FUNCTION?
Anniversary celebration, children’s party, christening, birthday party, family and friends get together? The Mill Centre in Hempnall is available for hire – please call Sarah Batchelor 07504 699534 or email info@hempnallmillcentre.co.uk
THARSTON HISTORY SOCIETY regularly meets on the last Wednesday of alternate months. Everyone is welcome - admission is free but there is a retiring collect to help with Society expenses. For further information please see our website www.tharston-history-
society.com or email web@tharston-historysociety.com.
FITNESS CLASSES - Long Stratton High School on Monday, Wednesday and Friday evening. Choose from circuits, HIIT or cardio blast. First session FREE. To book your FREE session or for more details please email: hello@timcourridge.co.uk
HEMPNALL MILL CENTRE - LUNCHEON CLUB
Thursday from £6. Morning tea or coffee served on arrival from 11am with a two course lunch served at 12 noon. For more information contact (Margaret Sparham ( Wed and Thursday on 499766 or 499579 at other times)
SAXLINGHAM NETHERGATE BOWLS CLUB Come along and have a go at Bowls at our Green in a picturesque setting on the Playing Field. The club is running taster session and coaching for beginners on Monday mornings at 11.00am. Experienced Bowlers are welcome too. Contact: Chris Lacey on 01508 499700
TASBURGH UNITED FOOTBALL CLUB - Our FA Charter Standard club won Norfolk FA’s Grassroots club of the year for 2019. We have FA qualified coaches who train boys and girls from age 5 to 15, and we have various teams playing in the Norfolk Youth Combined League. New players and volunteers welcome! For more info you can find us on Facebook, at www.tasburghunited.com or call Dan Edwards on 07813 045764.
MARTIAL ARTS - All Oriental Self Defence & Physical Fitness Techniques in One Art. Kuk Sool Won Martial Arts Club in Long Stratton and Tasburgh. TWO FREE SESSIONS. Ages 4-7 years; Lil Dragons Tasburgh Village Hall Monday 4.30pm. Ages 7 to Adult; Tasburgh Village Hall Monday 5.30-6.30pm. Classes also in Long Stratton see web www.kuksoolwongillingwater.org for locations, times and more information or call/text 07775 890359.
TAS VALLEY PRE-SCHOOL and PLAYGROUP
Our small, dedicated team of staff provides a safe, caring and stimulating environment for children aged 2 years to school age, to play and learn. During term time, we offer weekday morning sessions 9am - 12pm, and Tuesday afternoon sessions 12pm - 3pm. We also offer Monday afternoon sessions, 12pm - 3pm, for pre -school year children only (the year before children go to school). Fees are £14 per session, age dependent. All 3-5 year olds and some 2 year olds are entitled to funding from Norfolk County Council. Please visit www.tasvalleyplaygroup.org.uk or e-mail enquiries.tvplaygroup@gmail.com.
...Continued on next page
Community Events & What’s On...
You can use this page to send your FREE message to 5,000 households and businesses!
SAXLINGHAM NETHERGATE BOWLS CLUB Come along and have a go at Bowls at our Green in a picturesque setting on the Playing Field. The club is running taster session and coaching for beginners on Monday mornings at 11.00am. Experienced Bowlers are welcome too. Contact: Chris Lacey on 01508 499700
DID YOU KNOW you can now find information on THE HEMPNALL TRUST & how to book the Mill Centre in Hempnall on The Hempnall Trust Website www.hempnalltrust.org
SINGING: IF YOU CAN SPEAK YOU CAN SING. Creative Singing Community Choir meets every Tuesday at Wacton Village Hall between 7:00 - 8:30pm. No Auditions. No Need to Read Music. For further information please contact Louise Tingley 07765 920390 or louise@lktingley.com
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Sizes & fees inside rear cover of this mag azine
This magazine is one of 5,000 copies delivered to residents & businesses in:
· Long Stratton
· Tasburgh
· Newton Flotman
· Hempnall
· Morningthorpe
· Fritton
· Shelton
· Hardwick
· Saxlingham
Nethergate
· Saxlingham
Green
· Swainsthorpe
· Tharston
· Gt Moulton
· Wacton
SUDOKU WORDSEARCH
2-MINUTE TRIAL
Words: 3 Letters eel elm hem het lee let met tee the 4 Letters heel helm meet melt mete meth teem tele thee them
5 Letters theme
6 Letters
HELMET
Hidden phrase: It is already tomorrow in Australia ~ Charles Schultz
