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Summer is here! This issue is bursting with news and updates about fun-filled family summer events like Halifax Show and Jigsaw Festival and Overgate Hospice's Colour Run, plus handy local business ads!

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Published by The Grapevine Magazine, 2019-07-08 04:22:02

The Grapevine Brighouse Issue 78 July/August 2019

Summer is here! This issue is bursting with news and updates about fun-filled family summer events like Halifax Show and Jigsaw Festival and Overgate Hospice's Colour Run, plus handy local business ads!

Keywords: The Grapevine,Grapevine Magazine,Brighouse,West Yorkshire,local,high street,Overgate Hospice,Halifax Show,Jigsaw Festival

THE FREE
GRAPEVINE

BRIGHOUSE EDITION

Issue 78 Jul/Aug ‘19
www.thegrapevinemag.co.uk

Your community magazine - connecting
local people to local businesses

Focus on Halifax Agricultural Show

Community Events throughout the Summer

Buy local • Stay local • Support local

Distributed to 9,500 homes and businesses every month throughout Brighouse including
Bailiff Bridge, Clifton, Hove Edge, Rastrick, Woodhouse, Fixby


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Property

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Editor’s Note:

Welcome to the Summer edition which is a

joint mag for July/August.Lots going on

locally in both our community pages and

also throughout the mag including Halifax

Show and Jigsaw Festival, Overgate’s Colour

Run is on this month – still time to sign up

and have a fun family day whilst helping

Calderdale’s only adult hospice. Enjoy your

Summer – whatever you have planned and

we’ll see you on the other side – in

September!

Love the Grapevine Mag Team

@thegrapevinemag

Now taking bookings for Sept ‘19 onwards,
email: advertise@thegrapevinemag.co.uk

No part of this publication may be copied, partly copied or
reproduced without the Editor’s permission. All advertisers are
independent of the publication and advert content does not reflect
the views of the Editor. Copyright The Grapevine Mag 2018.
We take our copyright very seriously at The Grapevine Mag,
along with our right to ensure the magazine isn’t used for direct
marketing purposes. Legal action has been taken in the past on
local publications copying content, as we monitor and take action
accordingly. We spend a lot of time and energy each month creating
a unique publication to showcase the local area as best we can.
Although copying is flattering… it’s illegal.

Contact us

advertise@thegrapevinemag.co.uk
www.facebook.com/thegrapevinemag

@thegrapevinemag – follow us on Facebook to find out the latest local news
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Lifestyle & Leisure

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Lifestyle & Leisure Bespoke handcrafted woodwork
Unique home and gardenware, decorations and gifts
BRING THIS AD WITH YOU AND GET
All items are made by hand in Hove Edge
15% OFF! Commissions and custom orders taken
web: www.dcwoodcraft.co.uk
email: info@dcwoodcraft.co.uk
instagram: dcwoodcraft_co_uk

Unit 4, Kershaws Garden Centre, Brighouse, HD6 2QD

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Lifestyle & Leisure

#toteonoawenmne 7

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Lifestyle & Leisure

Halifax Agricultural Show

10th August will be the 73rd show

Halifax Agricultural Show is one
of the biggest, best and most
respected family days out in
West Yorkshire – and this year
will be the 73rd show, to be held
on Saturday 10th August 2019.
The event showcases a wide
variety of the best of traditional
and modern classes and
entertainment, which attracts
families from all over Yorkshire.
It has been described as an
event that manages to retain
the heritage of traditional
Yorkshire county and
agricultural shows,
whilst embracing the
whole family including
children, grandparents and
family pets.
2018 was another great
family day out with
thousands of exhibits in
hundreds of classes and
competitions – including,

horses, sheep, dogs, rabbits,
cows, goats, poultry, mice,
cavies, vintage vehicles,
horticulture, produce and
handicrafts.
The crowds were entertained
across the showground and
wowed in the main ring - and
2019 promises to be even
better than ever, with even
more things for everyone to
enjoy.

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Lifestyle & Leisure

This year visitors can save 20% if they
buy an queue-jump ticket online in
advance. Visit www.halifaxshow.org.
uk for latest details.
Finally, Did You Know: In 1939, two
months before the country went to
war, Halifax hosted the touring Great
Yorkshire Show before it moved to its
permanent showground in 1951.

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Lifestyle & Leisure Puzzles Galore!

Find the “missing piece” for your perfect Bank Holiday weekend

Puzzles galore will fill St. Martin’s Church, in school Play sessions offering a creative and
Brighouse over the late August Bank Holiday imaginative approach to Christian nurture, a
weekend for the seventh annual Charity Jigsaw Weekday church for children and adults involving
Festival. creativity, celebration and hospitality and several
Over 1,200 puzzles, comprising over 850,000 Holiday Clubs and Activity Events each year.
individual pieces, have been donated and assembled www.charity.jigsaw.festival.brighouse.org.uk
by many willing people from the local community email: charity.jigsaw.festival@brighouse.org.uk
with some family groups having assembled over 70 Alan Sparks: 07860 868714
puzzles. During the festival, a display of up to 200
made-up jigsaws and up to 200 boxed jigsaws of
various makes, types and sizes will fill the body of
St. Martin’s Church and as soon as an assembled
puzzle is sold, another will replace it. There will be
puzzles for all tastes - children’s puzzles, traditional
country scenes, 3D, double-sided, murder mystery,
crossword, impossipuzzles, wasgij and mirror image.
Entry will be £2, which includes a £1 discount
voucher towards the purchase of a puzzle at the
Festival. If you retain your Programme you can
return as many times as you wish without paying
again.
Another reason for making a second and
subsequent visit will be to enjoy the selection of
delicious food to be served by the St. Martin’s
Hospitality Team at the “Missing Piece Café”,
including morning coffee with bacon butties,
lunches, fabulous Yorkshire Breakfasts and Cream
Teas. There will be Crafts, a Raffle, a Tombola and a
Golden Jigsaw Competition paying cash prizes.
The Jigsaw Festival will be from Friday 24th August
to Monday 27th August from 10am till 5pm, except
on Sunday it will open at 12noon.
Previous Festivals have raised over £52,000 for good
causes. The direct beneficiaries of the 2018 Festival
will be:
Together for Looked-after Children
TLC’s mission is to enhance the life chances and
enable the educational success of Calderdale’s
Children in Care.
Yorkshire Children’s Trust
YCT helps children and their families in West
Yorkshire cope with the emotional and financial
strain of life-changing illnesses.
St. Martin’s mission to children in the community
Includes After-school Clubs, a Pre-school Group,

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Lifestyle & Leisure

Calderdale Charities Aid Child Refugees
in Northern France

Two partner charities based in Brighouse, Focus4Hope
and the Town Hall Foundation, have visited child refugees
in camps in Northern France to provide urgent care and
medicine after a surge of support from the local community.
Focus4Hope are a community group who work predominantly
with the homeless, elderly and isolated in West Yorkshire. They
regularly host outreach in the centre of Leeds feeding the
homeless, as well as hosting events for the elderly. The Town
Hall Foundation is the non-profit run by private dental practice
Town Hall Dental, which seeks to provide oral health education
and emergency dental care for those who cannot afford it. Both
organisations regularly work together in Yorkshire, and previously
visited Calais in France in February.
Thanks to donations and fundraising from the local community,
including many local businesses (with special thanks to Sleigh
& Story and Lattitude 7 for their very kind donations), both
groups were able to visit camps across Northern France helping
refugees forced from their home countries. The refugee crisis in
France made headline news in 2016 when the‘Calais Jungle’was
dismantled by French authorities. Despite this, several thousand
refugees still live in the forests and camps around Northern France,
surviving on the support of charities and volunteers in the area.
While many refugees are from Syria, a number of those in the
area are fleeing war and persecution in other countries including
Afghanistan, Iran, Eritrea, Sudan and other African countries.
Both groups were assisted by refugee crisis charity Care4Calais,
working predominantly with women and their children, some as
young as five.
Louise Reed, Founder of Focus4Hope commented“Since our last trip
in February we’ve been overwhelmed by support and donations,
and a huge number of those donations have made their way down
to the people who need them most in the camps in France. We’ve
been able to provide clothing and essential supplies for children as
young as four or five years old, thanks to the tremendous generosity
of the people of Calderdale and West Yorkshire.”
Rachel Dilley, Head of the Town Hall Foundation, added“We know
that dental care is a high priority here in France, and some of these
children have already been living in the camps for several years. It’s
a dream come true to use our skills to help these people suffering
through what we can only imagine.”

Find out more about the work we do and if you would like to donate at
www.townhallfoundation.co.uk or www.focus4hope.co.uk

TOWN HALL FOUNDATION TOWN HALL DENTAL
BRIGHOUSE BRIGHOUSE

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Lifestyle & Leisure

SATURDAY 13TH JULY 2019

www.overgatehospice.org.uk

fundraising@overgatehospice.nhs.uk

event sponsored by

Child Adult Family
£10 £18 £45

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Lifestyle & Leisure

Brain games do not improve ‘brain
health’ but playing Bridge does

Global Council on Brain Health recommends that people incorporate mentally engaging activities into
their lifestyles, as they can help people to maintain their thinking skills as they age

A new report by world-leading or gardening. It is important younger you start challenging
experts says the evidence for the however to participate in yourself with mentally stimulating
long-term brain health benefits mentally-stimulating activities activities, the better your brain
of what most people consider that include social engagement function will be as you age.”
“brain games” is currently weak which Bridge also provides. You could start to learn to play
to non-existent. Age UK’s Chief Scientist James Bridge here in Brighouse. There is
If people play a “brain game,” Goodwin says: “Many people a thriving Bridge Club that would
they may get better at that think that all thinking skills welcome you.
game, but this does not improve decline with age, and we know Improve your Brain Health, learn
people’s everyday thinking there is certainly a lot of fear to play Bridge.
abilities. around this happening”. Joe Brook
The good news is that the “But decline is not inevitable, Chair Brighouse Bridge Club
evidence suggests that other and there are plenty of activities If you are interested in learning
mentally engaging activities can such as Bridge that we could start to play Bridge, contact,
help keep our brains sharp as today that can provide benefits Brighouse Bridge Club
we age. These include playing for brain health.  BrighouseBC@btinternet.com
Bridge, learning a language, “Even though it’s never too late
playing with the grandchildren to learn something new,  the

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Lifestyle & Leisure

Bridge Wills

Personable – Experienced - Professional

Bridge Wills was established it is owned (countries) and who is to inherit the
in 2003 and is based in Halifax assets and when (children under 18 cannot directly
covering all of Yorkshire. We are inherit)?
regulated under the Institute of
Professional Will Writers (IPW). It is quite easy to ‘trip up’ on any one of these
Anyone can look at the Institute’s subjects and effect the rest of the Will document.
website and look up past reviews
of Bridge Wills. (www.ipw.org. You must also make decisions yourself for a Will
uk). and not be influenced by others. The same goes for
Lasting Power of Attorney Forms. To make either
All IPW members must have document you must have Mental Capacity, so
Professional Indemnity Insurance consider these documents sooner rather than later.
cover of a minimum of £2
million. In order to ensure that If you have concerns on Care Costs for yourself or
the IPW standards remain high, for relatives then making the right Will could save
it’s mandatory that Bridge Wills thousands of pounds in Care fees. Who will manage
comply with the IPW Code of your affairs if you cannot manage your own affairs
Practice which is approved by (i.e. lack of capacity to make decisions)? Consider
the Chartered Trading Standards Lasting Power of Attorney Forms, to appoint persons
Institute under its Consumer you trust to help manage your affairs.
Codes Approval Scheme (see
logo below). Geoff offers a; FREE INITIAL MEETING IN THE
COMFORT OF YOUR OWN HOME.
Geoff Petherbridge of Bridge Wills had worked T: 07976 27198
(until his retirement in 2016) as an Independent
Financial Advisor for just over 40 years and back in
2003 Geoff added to his services advice on Wills and
Powers of Attorney. With his extensive experience in
financial planning this couples very well for clients
with added advice on Wills, Trusts, Inheritance Tax,
Long Term Care and Lasting Powers of Attorney
Forms.

Most clients I find want to retain their assets for as
long as they can and then make sure those assets
pass down the family bloodline ‘at the right time
and in the right way’. Geoff will listen to any client’s
requests when making a Will or considering Lasting
Powers of Attorney Forms, and then offer the
various options for a client to move forward.

I would suggest to anyone considering making
a Will don’t think that it is as easy as it sounds
because you have to consider what assets you own
(house, cash, business, 2nd properties) who owns
it (single person, married couple, partners), where

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Lifestyle & Leisure

BRIDGE WILLS

Established in 2003 - Fellow Member of Institute of Professional Will Writers
Former Independent Financial advisor for 42 years & coupled with Will advise for over 15 years

Advice on; Wills, Trust Planning, Lasting Powers of Attorney,
Care Fees & Inheritance Tax

‘This Firm Complies with the IPW Code of Practice’

Get in touch for your free, no obligation first meeting.
Telephone; 07976 271986 E-mail; geoff.petherbridge@btinternet.com

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Lifestyle & Leisure

The 2019 Best of Brighouse Awards have Together we can tackle some of the
now ended, and we would like to extend pressing issues such as homelessness,
our thanks to everybody who took part in poverty and isolation and make
making our first year a resounding success. Brighouse a better place for everybody.

Brighouse is a vibrant, up-and-coming It’s now time for us to take all of your
town, and the stories we heard from all feedback and advice, and begin
of our nominees, both businesses and planning for the next event. Thank you
members of the community, makes us again, and congratulations to all of our
confident that Brighouse will continue winners and nominees.
to flourish, and we are proud of the place
we call home. James Howard and Rachel Dilley
Co-Founders
Thanks to your support through
sponsorships, ticket sales and donations,
you have raised thousands of pounds for
amazing local causes, all of which will
be reinvested back in to the local area.

 THE WINNERS 

COMMUNITY AWARD TEACHER OF THE YEAR BUSINESS OF THE YEAR
Lattitude 7 Claire Slack (St Joseph’s School) WINNER : Abzorb

RETAILER OF THE YEAR STUDENT OF THE YEAR HIGHLY COMMENDED :
Czerwik Fine Wines Jessica Reed Quick Slide Windows & Doors
& Cheeses
APPRENTICE OF THE YEAR BEST OF BRIGHOUSE
CHARITY OF THE YEAR Matt Farrar (Millers Bar) ROKT
Brodstock & Mollie Fitzpatrick
(Yorkshire Payments) SPECIAL RECOGNITION
ENVIRONMENTAL Park Row
BUSINESS OF THE YEAR UNSUNG HERO
Margaret France LIFETIME ACHIEVEMENT
Resin Drives Eric Binns

www.bestofbrighouse.co.uk

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Lifestyle & Leisure

A short walk around
Bailiff Bridge

By Chris Helme

This old postcard image of Bailiff Bridge went
through the postal system seventy-three years ago,
and what a lot of changes have taken place during
those years.

The road is dominated on the right-hand side, firstly
with the original building that T.F.Firth’s moved into
in 1867. This was an old worsted mill that Thomas
Freeman Firth and his business partner John Willans
bought at an auction in Halifax.

The business soon began to grow and by 1905 The tall building in the distance is what some
the company had purchased the old Toll House, readers may recall was Bulmer and Lumb mill
which dated back to the 1820s when the road was premises. These buildings were demolished in the
laid out and the toll house erected. By the mid- summer of 1979 and replaced with low level light
1870s tolls had ceased and the toll house was no industrial units.
longer required. Once Firth’s had bought it they The telephone box has long since been removed
demolished it and built Clifton Mills on the site. and the low building next to it was the village public
Some readers will recall that the works entrance conveniences. When they were closed in council
was through an archway into the works yard. If you cutbacks it became a hairdressing business, it is
were late this is when you came into contact with now owned by Nicola Hart with her successful
the time office staff, who could either send you gentleman’s hairdressers. Next door, is Dixon and
home again and you would lose a full half a day’s Franks carpet shop. Whilst having been there a few
pay or just dock you the lost time through your years and now also have one of the light industrial
lateness. This usually meant that those who were units on the old Bulmer and Lumb site. It is a very
in charge of the time office were not everyone’s successful local business.
favourites. The row of houses and now two businesses after the
Moving further along to the new part of the carpet shop will have a postal address of Bradford
mill which is apparent from the lighter coloured Road. However, originally it was known as Bridge
stonework. It was at this point where Wyke Old Terrace, with the street name above the archway
Lane originally joined Bradford Road. But the new leading through to Victoria Road.
building work caused it to be diverted, to where it We end this short walk at the corner of Co-operative
is now on the top side of the old St Aidan’s Mission Buildings where the Bailiff Bridge Co-op was opened
Church. in 1876. Whilst it is many years since the old co-op
The old St Aidan’s was built c1880 and for a number closed it is now the home of Bailiff Bridge post office
of years was used as the village school. Herbert and a successful convenience store.
Percy Jackson, the celebrated Coley woodcarver
created a wooden board which has sixteen names Chris Helme – Local Nostalgia Magazine
of Bailiff Bridge men who lost their lives in the First Chris has launched a new, local nostalgia
World War. This was moved to St Matthew’s Church magazine. The 5th edition is out now. You can
Lightcliffe c1980. Having been used as a yarn store find his advert on page 6
by Firth’s for many years after it closed, it is now
used for commercial purposes by a private company.

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Lifestyle & Leisure
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Health, Beauty & Wellbeing

MISSING
TEETH?

FED UP OF
DENTURES?

DENTAL IMPLANTS

ARE THE ANSWER

We often hear that having dentures, At The Old Church Dental Practice we can Dental implants can be used to

or missing teeth, mean that you solve many of these issues by restoring replace one missing tooth, or an

struggle to eat certain foods, lack your smile using dental implants. entire jaw of missing teeth and

the confidence to smile, or are The benefits of dental implants has they will look, feel and behave
reluctant to socialise for fear of been proven time and time again as just like your natural teeth.

being judged by the appearance the best way of replacing missing It’s amazing the difference

of your teeth. teeth, or getting rid of your dentures. one day can make!

The Old Church Dental Practice 19

Leeds Road, Lightcliffe, Halifax, HX3 8NT
E: lightcliffe@bupadentalcare.co.uk
www.theoldchurchdental.co.uk

For a free consultation call 01422 368059

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Health, Beauty & Wellbeing

Why wait for
treatment?

With fast access to general surgery
treatments and procedures, we’ll
make sure you don’t miss a thing.

• Bowel surgery, colostomy
and ileostomy

• Colonoscopy
• Flexible sigmoidoscopy
• Gallbladder/gallstone removal
• Gastroscopy
• Hernia repair surgery
• Haemorrhoid removal treatment
• Varicose vein treatment

Book to see an expert today
Search ‘Spire Elland’
Call 01422 229 370

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Health, Beauty & Wellbeing

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Health, Beauty & Wellbeing
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Food & Drink

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Food & Drink

47 Grains

Subtitle

Venison Scotch Egg Beetroot Wellington
– Fry at 180 for 7 mins. – Bake 25 mins at 180.
Venison Sausage Meat, Soft Boiled
Egg, Season (Flour, Egg, Panko Crumb), Cook Red beetroot, Wilted Gren
Parma Ham Crisp. Spinach, Salt & Pepper, Rolled in Puff
Pastry (Oil Washed – like an egg wash)
Sweet Chilli Jam – Slow cook on a Beetroot Puree – Boil Beetroot, peel,
constant simmer and stir. Red Bell blitz to desired consistency, season.
Pepper, Red Chilli, Sugar Jam.

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1 0%24
Recipe and photos courtesy of 47 Grains

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Interested in advertising? Call us on 07469 234199 or emaiFl aOdvRertGiseR@AthPegEraVpeIvNineEmag.co.uk THROUGHOU
READERS! & S E P, S I M P L


Food & Drink

PRIVATE DINING &
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FOR EVERY OCCASION

E A R LY B I R D &
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COCKTAILS, PHURE GINS
& AN EXTENSIVE WINE LIST

1O0F%F EXCLUSIVE OFFER GET 10% OFF YOUR BILL Mon | Closed
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Offer can be redeemed once per booking. “G R A P E V I N E” Fri | 5pm – 9.30pm
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LY Q U OT E Thurs | 5pm – 9Pplmease tell advertisers you heard of them through ‘The Grapevine’
Fri | 5pm – 9.30pm


Motoring Auto-Biographies

New Kia e-Niro 2019 first-drive review

By Tim Barnes-Clay, Motoring journalist – tweeting
@carwriteups

Test-drive location: Seoul, South Korea

Check out the new Kia e-Niro. The Korean
automaker has ushered this car into the automotive
arena in the hope of putting to rest the reservations
of electric-car naysayers.

The cynics tend to think that vehicles without comes with a reversing camera, heated leather seats,
combustion engines don’t have the range or the lane keep assist and forward collision warning. The
performance of ‘regular’ cars – and they always slam Kia doesn’t possess LED headlights, though – and
the price. Well, after having a first drive of the e-Niro that’s a shame.
in South Korea I’m pleased to report that Kia will So, yes, the e-Niro is all very orthodox; that is until
probably turn these disbelievers into believers. you examine the powertrain. The Kia gets a 204ps
Why? Well, the e-Niro is more credible than any motor that propels the front wheels. This, as well as
electric car to date, including Hyundai’s mechanically the 64kWh battery pack, is used in Hyundai’s Kona
related Kona Electric. While the two vehicles have Electric. However, unlike the Kona, a 136ps, 39kWh
similar powertrains and platforms, the Kia houses variant won’t be sold in the UK.
its ingenious technology in a more traditionally- The motor’s power output boosts the Kia e-Niro’s
designed and more down-to-earth bundle. athleticism well above the current plug-in and hybrid
The pure-electric e-Niro looks almost the same as Niro models. What’s more, once the substantial surge
its plug-in and hybrid bedfellows, although there of torque is taken into consideration, the car feels
are some restrained alterations. Look intently, and livelier than many ‘warm’ family-hatchbacks. There’s
you’ll spot the sleeker front bumper, a fared-in even enough grunt to get a squeal from the front
grille and 17-inch alloys. The rear of the Kia wears a tyres, as I found out when putting my foot down to
modified trim to complement the nose, too, helping escape Seoul’s traffic.
to provide a more slippery shape. There are a couple of paddles behind the e-Niro’s
Inside, the car is like other Kia Niros. The dashboard steering wheel to regulate the force of brake
is bland yet functional, there’s an ultra-modern regeneration. And, while you can’t drive the Kia
infotainment system, and importantly, there’s space with one pedal as you can in Nissan’s Leaf, the trio
for five-up. The most obvious difference, though, is of levels allows you to make the most of the e-Niro’s
within the centre console. The usual gear selector charge. 
has been replaced with a rotary dial. This little What about the all-important range then? Well, Kia
change in details unfurls some additional storage claims that the e-Niro can manage 282 miles on one
room, too.  charge. More impressively, the official figure is higher
The e-Niro’s 451-litre boot is larger than the when driving around town. That means many e-Niro
ubiquitous Nissan Qashqai’s, but it’s less than the drivers will only need to charge up once a week - at
510-litres in the Seat Ateca. Mind you, it’s still a the most.
good size, and you can store the charging cables Granted, the topping up process isn’t as
under the load floor. straightforward as a quick fill up at the pumps, but
At the time of writing, there’s just one trim level to
select – and it’s called the First Edition. Okay, it’s
not very original, but who cares when you get a car
as well kitted-out as this? The e-Niro in this guise

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connect the Kia to a 100kW quick charger and less Motoring
than an hour later (54 minutes) you’ll have charged
the battery pack from next to nothing to 80 per FAST FACTS
cent. That’s enough energy for the e-Niro to cover
between 226 and nearly 300 miles, depending on Fast Facts (e-Niro First Edition 64kWh)
how you drive it.  Max speed: 104 mph
So, how much does this new all-electric car cost? 0-62 mph: 7.5 seconds
Well, at £32,995 (after the £3,500 Government Range: 282 miles
grant), the Kia e-Niro will only set you back around Engine layout: Single electric motor
£1000 or so more than the flagship Nissan Qashqai. Max. power (PS): 204
There are very few drawbacks with this e-Niro. Okay, CO2: 0 g/km
it can understeer a bit due to the weighty battery- Price: £32,995 (after Govt grant)
pack, but then this pack gives the Kia a low centre
of gravity. So, no, there really aren’t any significant
gripes from me.
At the end of the day, the all-new e-Niro is a no-
nonsense five-door family crossover that makes
electric car ownership more appealing than ever.
Pros ‘n’ Cons
Efficiency √
Kit √
Space √
Price √
Mild understeer X

Please tell advertisers you heard of them through ‘The Grapevine’ 27


Lifestyle & Leisure
28 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Lifestyle & Leisure

Please tell advertisers you heard of them through ‘The Grapevine’ 29


Business, Finance & Technology

Financial advice - feel like a gamble?
How we lFooink aafntecr iyaoulramdonveiyce –feel like a gamble?

Financial advice giant Openwork have
surveyed consumers and found that 43%
do not know how to access financial advice
(June 2019). Is this because people really
don’t know how to access financial advice,
or is it because people don’t see the value
and wonder how a financial adviser can make
them money?

People are certainly finding it harder to save,

with under half of British households putting

money aside in savings (Financial Inclusion

Commission). With saving money being either

unpopular or just too difficult to do, there

is a need for the financial services sector to

recognise this trend and give people access Brighter input:
to good, clear, simple advice which secures the best
rloetoukrnasfaaFtfeicdonrcrvayeciocnlsiueecsrn,imtafosil.noranaiedsnyvcitiicabeleagcdiaavuniscteeOp(pJeueonnpewle2od0r•tshiko1tWaun9htae’)ptati.wrovosIonevseuisdletesdehpustlaoirhfsroovaekrtbeebavyeltoyaectJalihadmun.ude’cssdopeaenenvrpsesduloeonwompapaloealfnerinnsddareanbecurnaisadhlilnlyopeflwosadsnuoanndf’itntkahnnaoctiw
possible
How we

ITaaBwbpdtofduriuavtiovsstetnivdiihrsnnstieeedeaoeanmerelstlhdisd,aneosiwnotvgf.moyerhiaswrryoenyjioa,unoaiyuansncr?PmHatprtdtweeeousteeet’ooasoialoipooordnowlcenelotyphpemcdnketoohlldwioieeenyiisafecnntgmf?seenltaiaytttcatsaiocrloomakuanoceeridudnlveeovttsssocibitsuekusnotoeeserrfogeyeairrscnt,oesottfyowandheamton(daheoiuaFgcpntecrri,iolfasytaliinchyenolytnoaaelsahuoftdrerfnneeoeairucy,dnavcrrriorecapiiyeadcuallonemeilusndias.r,oIgnrna,ciestlnuiy•d•cawtfmheooslniiaWWvraieedrposenterdeerhoplntcdsee’nwwleesaefmliCoocyovairrneaeuu,odortndblletifddmvtgfyotrieneeidrmhccrmetsiofsedoaetvarmsaokiisTecsew(mfvorphwiisu.,esaanehistuireno.,fhtairixgnwteecnswniehgsoehmt)tictsthii.tconthiahsawoahWgertateulkahtltccleisuehdisfuttutehsneer)nshereorierlnedieticvfpnfsseeutsueitiaotcrrirrpnetvsawebohsonhiaesuanlnceiasbrchegaJsylewiibnsfpemtwmitcoeetceoeihlxwsttiro-fcihpotnwadenonaBrespiolfteaieureoctly.irydotsisbsrihebeilcnehogo
• We would source a new mortgage for Jim, again,
Let’s look at a few scenarios to see why? too c
to ucasonemy bpfiaianrsinatognwtchaieradblsesasent yrdvesiianclsgeloesn.ptrThooevimdteharrekemt, witithisoujut st
It is not everyone’s choice has time to see a financial adviser anyway?
SFlcoeonrawrioork1s:.JHimisaobnwrodntsh, e5ar0f%otweornfshatilhsl,ebwuostihhneoers5sa,0c%tu. ally
• We would discuss cross-option life insurance

HshwthhaeaeosnnubrteelsudecsadepinwnsreotailslbylsnaageibtnowlsytBdbhomtriuimuosevogvstieinreidietisnpttgwehieoeaaenieglhnsretdiitswhsn,dsobligoiet.ufuhaergtalahihannytnanssoseudiannwurbfa’detonpewceucaloestrpantgtanesnhesiedantthtrte.identrhJeiegoemdnmt aadkveaeenTirrvsneusreescausunenrtrstr,gaeseoerawtfrmrhaytdhane.hetgenaaetttthstmhheboeeyebnfortutewsusyiitewnoheeaeounsrrusJeblwidcmuobpasuaiennrlndoectdoscvsahoniipnsdshitadeibronertduronmeetedhfreio.enwA,rrthgathoaeiernirnee looking t
retireme

this dsoerctidedesotuot.gLHeetetah’nsauslnnodeoevkresrtaauntsedadinffgienoawfnhcisisaclseiatdnuvaaitciroeinos to• sOenely wwhheyn?all the personal and business issues
but
had been resolved to Jim’s satisfaction would we
through them.
hoisffebrutosianrerasnsg,eFwloilloinrswtruocrtkiosn.sHfoirstbheroprtehpearraotiownns
Scenario 1: Jim owns 50% of the
He needs a new mortgage deal and feels that he should probably review hi
30 Interresetecdeinnatdlyvergtiosintgt?oCgaelltuhs eonr0w74i6t9h23a41n99eowr empaailratdnveerrt.isJe@imthewgraanpetvsinaemwagi.lclo.autk some point, b


Business, Finance & Technology

of a will. The will would reflect both the personal growth relies upon having a diversified portfolio of
and business arrangements set up as part of Jim’s assets.
financial plan.
• As independent advisers we would ensure
Scenario 2: Peter has recently received a lump sum that the administration costs associated with
inheritance from his Grandma. He already has a the investment are competitive and that the
pension in place and is happy with the contributions performance of the funds within that investment
he is making. What he would really like is to invest demonstrate competitiveness within the market.
the money wisely so that he can access it further (E.g. By saving just 2% on a £150,000 investment
down the line. He has never used financial advice could save more than £45,000 over 10 years.)
but decides to see what they have to offer:
• We would arrange a service plan with Peter to
Brighter input: make sure his investment stays on track, in line with
his financial goals. This would mean that we would
• We would get an understanding of Peter’s always be available to give him advice as-well as
personal and financial situation and would then help making sure that his investment stays on track.
him develop a set of financial goals which help him
achieve what he wants to do. • We would help Peter make the right decisions in
terms of drawing the funds (tax relief etc) when the
• We would explain the difference between time comes.
investments and savings. The former is for the long
term, the latter for the here and now. • We would be there for Peter!

w43h%ow•wkdnhoIfotawPotnedhotaeeotcgrwrcwkeehneisesohoswefwsrafiintsnhoktsaoihntnewovecwdsitoitaso,hltwheeiss.wtoWotuealkwdeowwualindthtattsohkehim Financial advice does have to be paid for, but it is
ial advinivseesrtmceannt, mexpalkaieninthg ethmat long term sustainable gamble worth taking when the benefits, including
financial and personal peace of mind, outweigh this
initial outlay.

ouseholds putting money
g either unpopular or just
ognise this trend and give
returns for clients.

costly or too complicated
to insure yourself or your
ent and beyond can reap

e other 50%. 31
is life insurance as he has
but hasn’t considered thPelease tell advertisers you heard of them through ‘The Grapevine’


Business, Finance & Technology

Business Owner
Finance Q & A’s

By Debbie Story, Sleigh & Story, Brighouse

Q. If I take my staff away overnight for an off-site You may have to pay the higher rates even if you
daytime business meeting and evening social intend to live in the property you’re buying (and
function, will the costs be tax deductible for regardless of whether or not you already own a
corporation tax purposes?  residential property). 

A. The costs will be allowable for the company, but If you sell or give away your previous main home
a benefit-in-kind will arise on the social aspect of within 3 years of buying your new home you can
the trip. It may be possible to obtain HMRC approval apply for a refund of the higher SDLT rate part of
that the benefit falls within the exemption for your Stamp Duty bill.
annual parties and similar functions costing no more From 29 October 2018 onwards, a refund must be
than £150 per attendee. claimed within 12 months of either the:
You may wish to consider structuring the event to - sale of the previous main residence
take advantage of a wide-ranging and generous - filing date of the SDLT return relating to the new
tax exemption for work-related training. The term residence, whichever comes later.
‘work-related training’ covers any training course Q. I have been running my own business since 1
or other activity designed to impart, instil, improve September 2018 and now wish to complete my
or reinforce any knowledge or skills or personal 2018/19 tax return. I have not incurred any capital
qualities which is, or is likely to be useful to the expenditure and my turnover is less than the
employee in performing the duties of any ‘relevant current VAT registration limit. Should I use 5 April
employments’ or which will qualify or better as my accounting year-end? 
qualify the employee to undertake any relevant A. One advantage of a 5 April year-end is that no
employment or such charitable or voluntary ‘overlap’ profits will be created. Broadly, overlap
activities which could be undertaken in connection profits are bought about by being taxed twice in
with the ‘relevant employment’. the first two years of trading. You would get relief
It may be possible to sandwich the evening ‘social’ for this overlap, but potentially this won’t be until
event between actual training, with the evening a much later stage (for example if you change your
event designed to be motivational (or achieve some accounting date, or if you cease to trade).
other betterment purpose), but great care is needed One advantage of a 30 April year-end is that tax is
here to ensure the costs qualify. paid later. So, for a 30 April 2019 year-end, tax will
Q. I am in the process of purchasing a new house become due for payment on 31 January 2021, and
that I will use as my main residence. I will sell my the tax on profits earned between 1 May 2019 and
current main residence as soon as I buy the new 30 April 2020 will be payable by 31 January 2022.
house. I also own several other rental properties If the business had a 31 March 2020 year-end, the
but I have never lived in any of them. Will I have tax on profits earned between 1 April 2019 and 31
to pay the higher rate stamp duty land tax (SDLT) March 2020 would become payable until 31 January
charge on my new house?  2021.
A. The basic rule is that the higher SDLT rates apply Sleigh & Story Ltd, Thornhill Brigg Mills,
when you buy a residential property (or a part of Thornhill Beck Lane, Brighouse HD6 4AH.
one) for £40,000 or more, if: You can follow Sleigh & Story on Facebook,
- it will not be the only residential property worth or Twitter @sleighandstory.
£40,000 or more that you own (or part own)
anywhere in the world; The information contained in this article is of a general
- you have not sold or given away your previous nature and you are advised to obtain specific professional
main home; advice before you take any action.
- no one else has a lease on it which has more than
21 years left to run.

32 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Business, Finance & Technology

Please tell advertisers you heard of them through ‘The Grapevine’ 33


Business, Finance & Technology

Consumer Champion

Consumer Champion – the man who helps you resolve your consumer complaints!

Future Planning Worried you’re not saving enough for retirement?
The important thing is to deal with it now. You don’t
Are you looking forward to retiring? After years of have to put money in to a pension, but you should
the daily grind, you might be fantasising about an put some money aside. There are loads of ways you
extra hour or two in bed and less stress. But are you can do this. Our colleagues at MoneySavingExpert
prepared for when the wonderful day comes and have a great guide here: https://www.
you’re free from the 9 to 5? moneysavingexpert.com/savings/discount-pensions  
Retirement might seem pretty far away for many
people. For others, it’s a constant worry about Some people opt to combine their previous work
making ends meet. That’s why we need to have a pensions in to one or move your pension to a private
chat about pensions and retirement planning. one. If you’re transferring or taking out a private
Many of the people I speak to worry because they pension, you can’t beat good advice. Make sure
don’t know much about pensions. So, I’m here to you ask for everything to be explained simply and
say to you, don’t worry! Pensions are complex, in writing. Ask how much commission the business/
which is why we’re launching a campaign to make pension company will take. And don’t ever be afraid
things simpler. If you’re struggling, here are the basic to say you don’t understand.
facts.
One of the big, off-putting things about pensions You can find out more about your rights or make a
are all the terms. So, let’s tackle that head on! complaint using Resolver for free at www.resolver.
Don’t worry about the tons of different types of co.uk. Or view our Twitter page @WalkerResolver @
pensions or complicated explanations. Find out what resolvercouk or go to facebook.com/resolvercouk
pension(s) you have first. If you’re in the market to
buy one, ask your adviser to spell it out in simple
terms. Then ask them to make it even simpler.
Remember – it’s your money. If you’re paying for
advice, that’s the least an expert should be doing
for you!
There are three main types of pension. The
state pension (paid for by the Government),
‘occupational’ pensions (your pension through work)
and private/personal pensions (which does what it
says on the tin).
The state pension comes from your National
Insurance (NI) contributions over the years. When
you get it depends on when you were born, with lots
of controversy recently around the decision to move
women to the same retirement age as men. The age
itself is creeping ever upwards I’m afraid.
Work pensions come in two main types. Final
salary (or defined benefit) pensions are dying out,
unfortunately. Most of us have ‘money purchase’
(defined contribution) pensions now. The difference
matters too. Final salary pensions generally pay
out much more. Which is why there’s a big battle
between works and bosses over the last few
remaining pensions that are final salary.

34 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Business, Finance & Technology

Brighouse Town FC

Please tell advertisers you heard of them through ‘The Grapevine’ 35


Business, Finance & Technology

Gold Rabbit

Creating awareness….generating demand

Gold Rabbit are a team of experienced creative brochures, digital resources, posters, leaflets, email
professionals led by Kate Adamson and Carl templates, video, photography and more. We focus
Campbell, based in West Yorkshire who have a on helping our clients improve their messaging
passion for graphic design and design-led marketing. and connect better with their customers, and
We know from experience that well-designed visual we continually monitor key targets to ensure our
marketing has the power to help businesses and marketing is as effective as possible.
organisations create brand awareness, increase
engagement, and expand and attract new Our marketing campaigns focus on key objectives
customers. agreed with our clients. These objectives usually
correspond to:
Our Mission at Gold Rabbit is to help our clients • Creating Awareness
become more successful by engaging and • Generating Demand
connecting better with their customers through • Driving Conversions
quality, creative visual marketing and graphic design
support. Are you looking for a company that can deliver cost-
effective and engaging graphic design and marketing
We’re experienced in managing marketing for your business? Are you in need of quality
campaigns and designing a range of print and marketing materials to help launch a new product
digital marketing materials, including company or service?

36 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Families & Education

Please tell advertisers you heard of them through ‘The Grapevine’ 37


FAa5mpiluiezszl&e EpdaugceaCtiaomn ping Aug 19_Layout 1 02/06/2019 18:00 Page 1

Camping

Spot the Difference

Find tthhee120pdiciftfuerreesnacebsovbee.tween

Word Mix Up

Can you rearrange the Extra Letter
following jumbled letters
to name items associated 1) enntt
2) pesag
with camping? 3) ifetr
4) douuorsto
Each one has an extra letter: 5) kcoinrog
Identify these to find a word 6) mtea

related to camping.

Extra Letter Answer:

Answers: The 10 differences are: 1. darker sky 2. boy has white hair 3. different coloured log 4. missing tent peg
5. missing eye 6. different coloured trousers 7. missing tree trunk 8. side of tent a different colour 9. mouth missing
10. missing flames
Word Mix Up: 1. tent 2. pegs 3. fire 4. outdoors 5. cooking 6. mat. Extra Letter Answer: nature

38 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Garden

Blackbird

If you spot a true ‘black’
bird then it will be the male
of the species. The females
tend to be brown, often with
spots and streaks on their
breasts. They are one of the
most common UK birds with
a bright orange beak and
eye-ring.

They can be seen in gardens
all year round and have quite
a distinctive song, being one
of a small number of species
that sometimes sing during
the night. They maintain
tightly packed territories and
often use the same feeding
and breeding site.

Please tell advertisers you heard of them through ‘The Grapevine’ 39


Homes & Interiors
40 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Homes & Interiors

Please tell advertisers you heard of them through ‘The Grapevine’ 41


Homes & Interiors
42 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Homes & Interiors

Please tell advertisers you heard of them through ‘The Grapevine’ 43


Homes & Interiors
44 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Homes & Interiors

Please tell advertisers you heard of them through ‘The Grapevine’ 45


Homes & Interiors

Up to... From £1656 From £1846 GOLD PACKAGE

Vaillant Ecofit Vaillant Ecofit From £2026
Pure 25kw Pure 25kw
Vaillant Ecofit
Pure 25kw

Not just a plumbing company...

- Tiling and underfloor heating - Annual servicing of gas appliances
- Bathroom refurbishment - Drainage - Guttering and roofing repairs

- All other plumbing repairs

01484 716306
office@mallinsonplumbing.co.uk www.mallinsonplumbing.co.uk

46 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


ADVERTISMENT

Homes & Interiors

Cloud 9 Windows
Service with A Smile!

It’s been a crazy few months for I honestly feel that during the I get a huge amount of business
Cloud 9 Windows. The company good times a minority perhaps from family and friends of people
which specialises in repairing didn’t focus on customer care I’ve done work for, which just goes
windows which are steamed up, as much as they should have to show how much a little bit of
broken or damaged by replacing done. We make sure we turn up effort is appreciated.’
the panes – not the frames has when we say we will, do the job
grown rapidly as homeowners the customer requires and leave So, if your windows are steamed
take advantage of their services. their house as clean as a whistle. up, broken or damaged give
I often get comments back from Paul a call for a free quotation
Managing Director Paul customers on how they really on 0800 328 8213 and he’ll be
McGeechan feels that it’s all about didn’t expect that sort of service happy to help!
service. ‘Our product is simple. which, in a way, is very sad for the
If your double glazing is misted service industry as a whole.’
up, we can replace the glass at
a fraction of the cost of a new Cloud 9 Windows are based
window, in any type of frame, and locally and Paul is finding that his
with a new 5 year guarantee. But approach is a major factor in his
it’s not just about saving people success. ‘The truth is that it’s not
money, although that obviously just personal satisfaction that I
helps. Many tradespeople have get from doing a good job but also
struggled since last year and it makes good business sense.

CLOUDY WINDOWS?

Broken glass pains
Faulty hinges & handles
Broken mechanisms or locks
Energy efficient glass
A local business using
local suppliers

Call for a free quotation

0800 328 8213

cloud9windows.co.uk

*5 Years glass guarantee is valid from the date of the installation. GV0319

Please tell advertisers you heard of them through ‘The Grapevine’ 47


Homes & Interiors
48 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


Homes & Interiors

Please tell advertisers you heard of them through ‘The Grapevine’ 49


Homes & Interiors

Deep-Cleaning

Oven service

Non-Franchised

Avoid the messiness UCSONNOTAWC!T
and spend your time
doing other things!

07747 808030

www.Spotlessovens.com

50 Interested in advertising? Call us on 07469 234199 or email advertise@thegrapevinemag.co.uk


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