The Grapevine Halifax Issue 136 February 2019

THE FREE
GRAPEVINE

HALIFAX EDITION

Issue 136 Feb ‘19
www.thegrapevinemag.co.uk

Your community magazine - connecting
local people to local businesses

Local Defibrillator Fundraising
Trustees wanted at Overgate Hospice
Community News & Events

Distributed to 8,000 homes and businesses every month including
Shibden, Stump Cross, Horley Green, Hipperholme, Lightcliffe, Northowram, Coley, Norwood Green, Shelf

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Editor’s Note:LiofecsatlyCleh&risLtmeisausrGeuide Property
3
Welcome to the February Edition!
 
As the Winter nights draw in and the snow threatens
toarrive, we’ve put together our February edition
with plenty to read inside and a jam packed spread of
Community News at the back of the publications.
 
Local Emergency Care Assistant Damian is trying to
raise funds to install a defibrillator for Hove Edge.
Raffle tickets are available from Damian and any
donations to add to the growing pile of amazing
prizes are appreciated. To read more and to find
out how you can help, go to the Lifestyle & Leisure
section.
 
In other news, Brodstock 2019 have announced that
tickets go on sale on the 16th March and are
exclusively available from OldBrods rugby club.
Doors will open at 10:30am. Visit Brodstock’s
Facebook page for more information.
 
Until March,

Jenny & Helen Holdsworth

@thegrapevinemag

Now taking bookings for
March ‘19 onwards,
contact Jenny by email:
[email protected]
or call 07469 234199

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

[email protected]
07469 234199
www.facebook.com/thegrapevinemag

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Food & Drink Vegetable Curry

A warming winter dish

This easy veggie curry is perfect as the colder nights adding the cauliflower and cooking for a further 2
draw in and is a healthy, quick one-pot meal for the minutes. Drain and set aside.
family. This recipe serves 3.
Heat the 3tbsp of oil in a frying pan, adding the onion
Ingredients: and cooking and stirring regularly until well softened
2 medium potatoes (peeled & cut into small chunks) and browned. Add the curry powder and cook for 30
1 large carrot (peeled & sliced) seconds more.
½ cauliflower (cut into small florets)
3tbsp sunflower or vegetable oil Add tomatoes to the onions and cook for 3 minutes,
1 large onion (grated or finely chopped) continuing stirring. Add stock and bring to a gentle
1tbsp medium or hot curry powder (depending of simmer.
preference)
1 tin of chopped tomatoes (227g) Add the vegetables and peas/spinach and simmer
100g frozen peas, a couple of handfuls of spinach gently for 5 minutes. If the sauce thickens too much,
or both add a little water.
300ml of veg or chicken stock
Ready to serve! Goes well with yoghurt and mango
Method: chutney.
Bring a half-filled saucepan of water with potatoes
and carrots to the boil and cook for 8 minutes,

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Food & Drink

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Food & Drink

Launching this February...

Feel the heat and admire the botanicals at Halifax’s new Potting Shed and FIREPIT!

Prepare to sweep away the cocktails in plant pot-inspired 1.5m. For those keen to get in
winter cobwebs on Friday 8th vessels, in front of a backdrop of the thick of the action, FIREPIT
February with the launch of sweet aromas and beautiful flora has its own shuffleboard, dart
Halifax’s newest food and drink and fauna. The food menu serves boards and pool tables to add
venue - containing The Potting up light bites, loaded pizzas, competitive spice to a night on
Shed Bar and Gardens and burgers, salads and a choice the town.
FIREPIT Smokehouse. of Sunday roasts, alongside a The impending launch of this
Situated on Fountain Street in the drinks menu bursting with classic latest venue is an exciting
centre of Halifax, this new venue cocktails, white, red and rosé prospect for Potting Shed and
will house both bar chains under wines, prosecco and real ales. FIREPIT’s Head of Marketing
one roof - with each offering FIREPIT whets the taste buds and Promotions, Isaac Mayne,
distinctly unique vibes to suit any with a combination of fresh and he’s eager to see both bars
occasion. Potting Shed will also smokehouse food and live sport. open their doors on Friday 8th
benefit from its own stunning With its prime cuts of meat, February - “Interest has been
rooftop garden - perfect for lovingly cooked on a wood- incredibly high from the public
soaking up the sun in the warmer fuelled grill and smoker, visitors and we’ve already received a
months. can revel in delicious BBQ feasts high number of bookings to
Both Potting Shed and FIREPIT that put real fire in the belly. attend the opening night,”
have a host of popular sites Tasty steaks, ribs, burgers and “There’s nowhere like this in
situated across the country hotdogs are complemented by Halifax at the moment,” says
- including Leeds, Beverley bottled beers and ciders, craft Isaac. “This venue benefits from
and Guiseley. This on-trend beers and ales, wines, spirits, hot the contrasting vibes of Potting
destination for all things food and soft drinks. Shed’s botanical charm, and
and drink promises to set the Sport takes centre stage at FIREPIT’s smokehouse food and
senses reeling with its mix of FIREPIT, with big matches from live sport. It means that the two
bright botanicals and sumptuous the world of football, boxing, bars work together perfectly -
smokehouse classics. rugby and more, screened live offering very unique experiences
The Potting Shed Bar and throughout the year on an indoor within close proximity and adding
Gardens serves up popular HD LED wall measuring 3m x variety to any day or night out.”

To find out more about Halifax’s new Potting Shed, including how to book a table,
visit www.pottingshedbar.com. To read more about FIREPIT, visit www.firepitbar.co.uk.
6 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Health, Beauty & Wellbeing

Dizziness doesn’t have to be a way of life –
we offer vestibular rehabilitation to help you get

back to a steadier and more balanced life.

Concussion rehabilitation, backed by the latest
research, to help you safely recover and get back to

doing what you love.

We work with you to get the best outcomes as
quickly as possible.

Let us help you to live a full and active life.
Call: 07401 842 311

Email: [email protected]
University Business Centre, Piece Mill, 25-27 Horton

Street, Halifax, HX1 1QE

www.dizzinesstherapy.co.uk 7

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Health, Beauty & Wellbeing
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Health, Beauty & Wellbeing

1/3 off ipl hair removal!

ie. pay for 4 sessions get 2 FREE

thRoughout MaRch chEck out
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IPL achieves long-lasting results, is relatively pain
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PoP in oR Ring 01422 385125 to Book Large area - save £320
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Terms & Conditions apply. Clients must have had a consultation and patch test prior to buying the treatments. Not valid with any other offer.

Please tell advertisers you heard of them through ‘The Grapevine’ 9

Lifestyle & Leisure

Auto-Biographies

New Aston Martin Vantage review

The new Aston Martin Vantage is the stuff of dreams
for those who love luxury sports cars. As a lad, I never
thought I’d get to sit in an Aston, let alone end up
being invited to test-drive one.

But life sometimes has a way of working out if you’re most relaxed of the three settings) and letting the
prepared to put the graft in. I’m not necessarily eight-speed automatic gearbox do its thing, discloses
talking about me; it’s Aston Martin who should be a smooth change that’s matched to a remarkably
patting its own back. The company has worked like a biddable ride.
dog to get the new Vantage right – and it’s paid off. This state-of-the-art Aston Martin Vantage is the
Why? Well, let’s begin with the looks. It’s awesome first to be spawned under the automaker’s fresh
from the rear, with detailed lights and a rising rear leadership line-up – and you can tell. Yes, a 911 will
spoiler. It’s a little less lively at the front, although the give you better practicality, but the rival Porsche
Vantage’s shark-nose is aggressively appealing. What won’t quite give you the feeling you get from driving
really works, though, are the perfect proportions. The a legendary British model.
two-seater is sinuous – almost hunter-like in the way
it appears poised to pounce on unsuspecting prey.
Under the metal, the up-to-date Vantage is like its
sibling, the elegant DB11. Both models house the
Mercedes-Benz-sourced 4.0-litre V8 lump. Mind you;
the twin-turbo assisted engine has been tuned so
that it feels like it’s always belonged in Aston Martins.
Stomp your foot on the accelerator and the car will
shoot you from zero to 62mph in 3.6 seconds. It will
then propel you to 195mph - if you’re in a place you
can do that without losing your licence, or your life.

Open the Aston up, and you’re greeted with
low-slung sports seats, but they’re easy to get
comfortable in. Behind the wheel, the Vantage is
cosseting, and the overall cabin is far less clinical than
a Porsche 911’s. It’s traditional, yet it’s still thrilling.
What’s more, the Benz-derived switchgear is nicely
incorporated, and the controls are intuitive to use.

As you might expect, the sports car isn’t meant to
be the most practical vehicle – there’s not even a
glovebox. And, as hinted at earlier, this is a motor
without back seats, but you can just about get some
golf clubs under the tailgate.

Practicality aside, the new Vantage is as close to
perfect as you can get. Pushing the Aston Martin-
badged starter button brings the car to life with a
roar. It’s a fulfilling sound, particularly with the four-
pipe sports exhaust attached. Driving off in Sport (the

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Lifestyle & Leisure

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Lifestyle & Leisure

Fundraising for a Defibrillator

Could you help?

Local man and Emergency Care Assistant for the get in touch with Damian. For those looking to buy
Yorkshire Ambulance Service Damian Hartley tickets, here are just a few of the amazing prices up
is raising funds for a Community Public Access for grabs:
Defibrillator (CPAD) for Hove Edge, Brighouse. • Voucher for 15 people to attend Lazerzone in
CPAD’s cost between £1400-£1650 and are an Bradford (worth £150)
important part of the Chain of Survival of Sudden • Photo-shoot for Mark Swinford Photography
Cardiac Arrests. (worth £165)
Damian noticed the need after a recent event that • £40 voucher for The Dusty Miller
took place in Hove Edge. “There was ain instance • £30 to spend at The White Horse Inn
fairly recently where due to the location of the • £15 to spend at HSS Skin & Beauty Lab,
other defibs, the caller wasn’t told about them” Hipperholme
Damian told us. “Fortunately I was in • 2 tickets to Flamingo Land
the area and assisted the paramedics
with CPR and the patient was taken • Cannon Hall Family Pass
to hospital and is currently recovering • And much, much more…
– but I’d like to prevent such an The draw will be made on Saturday
incident from happening again.” 6th April at Yorkshire Ambulance
If any local businesses, organisations Service Head Office at 11am. If you
or people would like to donate prizes, would like tickets or would like to
money or could help in any way – help, contact Damian on 07739 970
810 or email
[email protected]

12 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Lifestyle & Leisure

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Lifestyle & Leisure
14 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Lifestyle & Leisure

Nominate an outstanding  CATEGORIES 
person or business for a
Best of Brighouse Award! BUSINESS OF THE YEAR
COMMUNITY AWARD
2019 marks the first year of the Best of Brighouse
Awards. We’ll be celebrating the very best of Brighouse TEACHER OF THE YEAR
on the 23rd May 2019 at Brighouse Sports Club. CHARITY OF THE YEAR
RETAILER OF THE YEAR
These awards provide an opportunity for you to
either showcase your business, shout about your ENVIRONMENTAL
achievements or give commendations to someone BUSINESS OF THE YEAR
in your community who you feel is deserving of UNSUNG HERO AWARD
recognition. Organised by the people of Brighouse, STUDENT OF THE YEAR
we know how many champions there are in our town APPRENTICE OF THE YEAR
and we’re looking forward to recognising them at our BEST FOR BRIGHOUSE
ceremony. LIFETIME ACHIEVEMENT

Not only will we be giving back to exemplary figures  MAIN SPONSORS 
of Brighouse on the night, but we will be fundraising
for fantastic local initiatives to help those in our
community who need it the most. With prizes up for
grabs, live entertainment and a chance to give back, it’s
a night you won’t want to miss.

Visit bestofbrighouse.co.uk to find out more TOWN HALL DENTAL
about the awards and to make your nomination
for a person or business. BR IGHOUSE

Please tell advertisers you heard of them through ‘The Grapevine’ 15

Lifestyle & Leisure The Local Edit

Our local area has a lot to offer and this double spread is about celebrating this,
encouraging you to shop local!

Saks
Throughout March, Saks are offering 1/3
off the usual price of IPL Hair Removal –
getting you ready for Summer! For more

information, call 01422 385 125.

Best of Brighouse Awards!
This May, there’s an awards ceremony coming to
Brighouse, celebrating the very best of Brighouse on
May 23rd.
You can nominate for these awards now at
bestofbrighouse.co.uk or for more information,
see Lifestyle & Leisure.

Healthy Living Pharmacy
Prescriptions to your door.
Healthy Living Pharmacy cover a large
area of The Grapevine’s distribution
and offer free collection and delivery
services, whether you struggle to leave
the house or struggle for time to collect

your prescriptions.
Call 01484 713238 for more

information.

16 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Lifestyle & Leisure

WowSleep
The lovely team at WowSleep have a vacancy
available and are looking for a local part time

member of staff. For more information, visit
their advert in Homes & Interiors or call
01484 771 569

Potting Shed & FIREPIT
Opening this February!
Halifax’s brand new food and drink venue is
opening this February, situated on Fountain Street.

For more information, see the full
editorial in Food & Drink.

Loft 1850
Candle Making Workshop
Loft 1850 are holding a Candle Making
Workshop following the success of their
Christmas Wreath Making Workshop.
This will be on Saturday 9th February from

10:30am to 12:30pm.

Want to feature in our ‘Local Edit’ next month for free?
Just contact [email protected] or call 07469 234 199

17

Lifestyle & Leisure
18 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Lifestyle & Leisure

Please tell advertisers you heard of them through ‘The Grapevine’ 19

Lifestyle & Leisure
20 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Lifestyle & Leisure

Tour De

CALDERDALE

Tour De CALDERDALE

Sunday 3rd March 2019
£40 Registration

50 & 70 mile CYCLE sportive starting
& finishing at Overgate Hospice

www.overgatehospice.org.uk
01422 387121

[email protected]

Reg Charity No: 511619 21

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Lifestyle & Leisure
22 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Lifestyle & Leisure

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Lifestyle & Leisure Valentine’s Day

Facts you may not know

History where the phrase ‘wearing your In addition, the flower of Venus
One theory about the origin of heart on your sleeve’ supposedly is also a red rose, so it’s not
Valentine’s Day points to the originates. surprising that they make up the
Romans. While Roman Emperor Love Hearts most popular and sought after
Claudis II was trying to bolster his The heart sweets that we see Valentine’s Day bouquets.
army, he wouldn’t allow young around on Valentine’s Day were UK Spend
men to marry as he believed they originally invented as a lozenge. UK consumers spend an average
would make better soldiers. St. Oliver Chase (Boston pharmacist) of £60 on Valentine’s Day gifts,
Valentine defied this ban and invented a machine that resulted rising significantly each year.
performed secret marriages. in the first candy-making Cards
For his disobedience, he was machine, although he originally In the UK, 25 million Valentine’s
executed on Feb 14th. did this to simplify the lozenge cards are sent every year –
Oldest Valentine’s Poem production process. He then compared to 60,000 in 1835.
The oldest record of a Valentine shifted his focus to business and Chocolate Box
Poem was Charles Duke or producing sweets. It’s thought that Richard Cadbury
Orleans, who wrote to his wife Oliver’s bother Daniel then introduced the first box of
when he was imprisoned in the developed a way to press words Valentine’s chocolates in 1868.
Tower of London in 1415. into the lozenges with vegetable That means that the chocolate
Wearing your heart on your food colouring and they later box has been around for more
sleeve became heart-shaped. than 150 years.
In the Middle Ages, young men Cupid
and women would apparently Cupid’s bow and arrow originate
draw names to see who their from Roman mythology. Cupid
Valentine would be. Then they (son of Venus – goddess of love
would wear the name on their and beauty) is often shown
sleeve for a week, so everyone with a bow and arrow to pierce
would know their feelings. This is hearts and cast the spell of love.

Experiences

Experience gifts are becoming
increasingly more popular in
general, but Valentine’s Day
saw a spike in those purchasing
experiential gifts rather than
something physical e.g. tickets to
a concert or an evening out. This
is an increasing trend amongst
mllennials.

24 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Pets

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Families & Education

Pizza

Spot the
Difference

Find the
10 differences
between the

2 pictures.

Word Mix Up Extra Letter

Can you rearrange the 1) preepinocp
following jumbled letters 2) shinoon
into words that are to do 3) clargie
4) meatoot
with pizza? 5) mash
6) keencich
Each one
has an extra letter: Extra Letter Answer:
Identify these to find the
name of something you find

on a pizza.

Answers: The 10 differences are: 1. Letter ‘I’ missing from pizza sign, 2. Chef’s hat missing, 3. Pizza logo missing on van,
4. Orange stripe missing from roof, 5. Menu A Board missing, 6. Door missing, 7. Delivery man’s teeth missing, 8. Head of pizza
paddle missing, 9. Pizza delivery bag missing, 10. Chef’s pocket missing.
Word Mix Up: 1. pepperoni, 2. onions, 3. garlic, 4. tomato, 5. ham, 6. chicken. Extra Letter Answer: cheese

26 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Families & Education

Rishworth School

OPENIndependent Co-educational Day and Boarding School
6:00pm-
8:15pm

EVENING
Monday
Dedicated
4 bus routes
available
MA20R1C9H
Ages
Come Flexi & 3 to 18
and meet Weekly Taster
our NEW Head, Boarding days
Dr. Paul Silverwood available available

Head’s talk
at 6:30pm

Scholarships
& Bursaries
Rishworth, West Yorkshire, available
United Kingdom HX6 4QA.
Tel: +44 (0)1422 822 217
Fax: +44 (0)1422 820 911
E: [email protected]
W: www.rishworth-school.co.uk

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

Nostalgia Know abou

The Dancing Troupe frotmhosteheskills to
Student Prince - 1948
By Chris Helme

A local show or pantomime Foster & Co who were fireplace
programme for an event makers, kitchen and floor tile
that took place many years suppliers and had a showroom
ago, tells you not only about at 3 Briggate. I know many
the performance and the will remember Tate’s, located
performers but about the town at what always referred to as
itself. Tate’s Corner and is where
Programmes are real collector’s M&Co are now.
items and can be worth quite
a bit of money if they are in Ed. Taylor had a full-page
good condition. A quick search advertisement promoting what
on eBay will give you some is described as the Callinan
indication of your old programmes true worth. permanent wave. Interestingly
Programmes fall into what collectors refer to as in 1948 Ed. Taylor’s was still in Market Street and it
ephemera, something that has been designed to be would be a few more years before the business was
short-lived and is often not kept by its recipient.
This photograph dates back to the Brighouse Light General Informmoved to its familiar location of today on Bethel
Opera Society’s performance of The Student Prince.
The show was produced by Harold Howlett and was Street.
at the Albert Cinema (now The Calder restaurant I wonder if any readers bought furniture at Wright
and public house) between November 15 and 20,
1948. Look no further. OIngham’s Thornton Square? These days you are
Whilst it does have extensive photographs of all the
performers from the leading stars to our photograph more likely to buy electronic cigarettes. Now, this
of the dancing troupe: Misses M.Holroyd, L.Roberts,
K. Broadley, J. Brown, E. Jessop, E.Wood, J. Robinson CalderCdale –lanidnthnext one I do remember myself, Haigh’s hairdressers
and D.Shaw. It is written in the more formal style give moreor as the advertisement calls it the Gentleman’s
of the times with hardly any first names at all and
certainly none of our dancing troupe. Salon. This was at 30 Bradford Road with the ladies
In these kinds of programmes, it is the salon at 12 Market Street.
advertisements that give us an insight into the town
of 71 years ago. Whilst some of the advertisers are We have a plan inA name known to most Brighouse people was
names many will remember from more modern
times, some have long since faded into the retail that of Walter Robinson’s where you could buy
history of Brighouse.
Herbert Robinson is described as a joiner and the including raisinganything from a kettle to a radio-gram. In 1948 this
complete funeral director and had his joiners shop
at Brook’s Yard, Bridge End. Now, where was Brook’s business was at 40 Bradford Road. The company
Yard? That is a new one to me, perhaps you know
where it is. If you could not find his place of work lenging and excitinworkshop was at the bottom of Scotty Bank which
he only lived up Bonegate Road. Then there was R. was in Salford Mill. This was demolished a few years
ago and is now the site of a huge redevelopment
project. Who you are

In order to deliverThese are just some of the businesses that have

served the Brighouse shoppers over the last 70

nance, Fundraisinyears. All captured in a programme that was meant

to be viewed and then probably thrown away.
from all communiti
Chris Helme
email: ships [email protected] Overga
We are also lookinChris Helme – Local Nostalgia Magazine

Chris has launched a new, local nostalgia

cover for a leave ofmagazine. The 3rd edition is out now. You can

find his advert on page 11

28 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

ut finance, fundraising, IT or facilities? LookinBusiness,Finance &Technology

o steeVr oanluonrtgaarnyisTatriouns’tsefeutsurWe dairnetcetiodn and
real difference to our localAt Overgate Hospice community?

Know about finance,
fundraising, IT or facilities?
Looking to use those skills
to steer an organisation’s
future direction and make a
real difference to our local
community?

General information

Overgate Hospice has been

providing end-of-life care
and support to people across Calderdale – and
their families – for almost 40 years. As we look to
continue our work, and expand to give more help

OVERGATE TRUSTEEthan ever, we need volunteer trustees to help us

with our mission.
We have a plan in place that will
help us prepare for the next phase of Overgate’s

mationdevelopment – including raising the funds for a
conversation (01422) 387 118. We’d love to hear
from you soon.

For a full job description & application pack please
email [email protected] Closing Date is
10th February 2019 but may be extended, please
get in touch if you are interested.

brand new, state of the art, In-patient unit. This will
be both challenging and exciting. If you would like to

Overgate Hospice has been providing end-of-life care and support tbe involved in shaping the future of this very special
nical Administratheirchfaaritmy,plielaiseesget–inftooucrh.almost 40 years. As we look to continue our wor
Registered Charity No: 511619

e heWInlhopordyetoruhtoaardeenliveer vouer prl,anwweearne seeaercdhinvg foorlnuewnteer trustees to help us with our m
n Trustees who have skills and experience in Fi- nance, for the next phase of Overgate’s d
This wil
place that will help us prepareFundraising, Information technology or Facilities this ver
ntgh. eImTcOwfohvifamteeynhurimaignnognaiuteOtiunemadvi,lteeibtserwenugsrtaim.flitdnoWoeionCauefrganaolalddrfandeefiidnrcldoebstlaohuiwlkreeskitilancawleogibnhnmefiootnmdfrgcooauprrnenen3pbloiratyepieteelepiloeeaswrnerwfsai-sr.e,onesWsnmhssvtieeepatrosavlalregel.tveeet doinfintthoseuhcaahpr.ti,nIgnt-phaetfieuntut ruenoitf.
also looking for an experienced nurse to join the

Board for an initial period of one year to cover for

ouraa leave of absence for one of our Trustees. This is new Trustees who have skills and ex

plan we are searching forgreat opportunity to test out whether being a
ng, ITnrufstoeerims foar ytoiuo. n technology or Facilities management. We are lookin
tiesTThimienreeCaCormeasmilxditBmoeearnrdtdmaeeletingws ahyeoar, canadnTrursteeeps resent Overgate, building and sustai
ate aalsonsdervienontaht leeastcoonemsubm-coumnmiittteiee. s we serve. The initial term of office will
ng fGIofeytroiunatThoninukcehthxispsoeunrdiseringhct feordyounour yrosu’ere to join the Board for an initial period o
f abcusreiounsctoehefaor mroroe,ngeet inotofucoh uwitrh Tusrfoursatees. This is a great opportunity to tes
being a Trustee is for youPlease tell advertisers you heard of them through ‘The Grapevine’
29

Business, Finance & Technology
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Business, Finance & Technology

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Business, Finance & Technology

Pension planning pays off in

retirement
By Brighter Financial Services

Coming up to retirement can create challenges as- But there is so much more to consider to ensure that
well as opportunities, all of which require careful we can have the income that we want in retirement;
consideration. Most of us will think about when we that we have a plan in place as to how to reach
want to retire and what we want from it, but how that income and most importantly that we use the
many of us think about how we will retire? money we have carefully saved in a pension, by
Retirement is synonymous, for many, with taking a taking it in the most tax efficient way –protecting
pension, so take it we do. pension assets as we go.

This is Maggie. Maggie is 57 years old and is wanting to retire in
12 months. She wants to ease herself into retirement by reducing
her hours for a year to 15 from 30hours, using her pension to top
up the shortfall in income. She knows that she will need to earn
around £16,000 a year to cover her costs.
Maggie has a number of pensions worth £200,000. She is eligible
to crystallise these pensions now (draw from the income). She
also has an ISA worth £40,000
She has been advised by work that she can take her pension with
them, but no-one has told her about how she should do this.
Maggie has contacted her other pension providers who have
advised her the same but she is still unsure what would be the
best way to do this.

Maggie meets with her financial adviser
The adviser goes through a number of areas with Maggie:
• By carrying out a cash flow modelling exercise the adviser
can show Maggie how long she will need to carry on
working.
• Maggie has a tax-free allowance of £12,500 in 2019 so
can use this allowance to help manage her income in a tax
efficient way.
• The allowance should be used to offset tax on income
–either from salary or from the 75% taxable portion of her
pension(s).
• Maggie will need to find £3,500 to make up her income
to £16,000. She can either use the 25% tax free cash
element from her pension(s) or her ISA in which to do this
• She is now supporting herself with the income that she
requires in the most tax efficient way possible.

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The simple flow chart below explains how this Business, Finance & Technology
would happen in practice:
There are distinct advantages to retirement
planning and managing pension income in a tax
efficient way.
Here are a few:
1. If the pension is not completely crystallised i.e.
not all the tax-free cash is taken at once, the pension
will continue to be impacted by annualised growth.
Additional contributions can also continue to be
made up to a certain amount.
2. Careful planning could help save (in this case) up
to £700 on income tax.
3. Because the majority of the pension has not
been fully crystallised it can be used to:
• Buy ill health benefits later e.g. an ill health
annuity
• Nominate someone to receive the pension on
death. The pension will sit outside the person’s
estate and not be subject to IHT.

The Pension Freedoms of 2015 have brought a great deal of flexibility in the way that people can take
their money in retirement. However without careful retirement planning and an eye on tax efficiencies
these benefits may not be realised as-well as they could be.
We advise that everyone takes a look at the different approaches to pension drawdown and makes sure
that tax efficiencies are considered in the calculations.

BRIGHTER FINANCIAL SERVICES LTD

Independent Financial Advice

Brighter Financial Services Ltd provides an independent financial planning and mortgage
advice service to clients across Yorkshire and Lancashire. This means that we are not tied
to one provider and can usually secure the right mortgage deal for you from a wide provider
network.

Jonathan and Kerrie, who provide our mortgage service, understand that buying a home is a
stressful time and are committed to helping you with end to end
support, from offer to mortgage follow-up, ensuring that all goes
smoothly from start to finish.

Need help with your mortgage? Contact:
Kerrie on 07394855337 or e-mail [email protected]
Jonathan on 07715663885 or e-mail [email protected]

Brighter: 66 West St, Sowerby Bridge, West Yorkshire, HX6 3AN
Tel: 01422 832100 | www.brighterfs.com

Brighter Financial Services is authorised and regulated by the Financial Conduct Authority 531145.

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Business, Finance & Technology

Business Owner
Finance Q & A’s

By Debbie Story, Sleigh & Story, Brighouse

Q. What should I do about an error I accidently my estate to my siblings. Will they qualify as ‘direct
made on my latest VAT return? descendants’ and, in turn, will my estate qualify
for the extra £175,000 family home inheritance tax
A. You can adjust your current VAT account to (IHT) allowance?
correct errors on past returns if the error:
A. The existing IHT nil-rate band is set to remain at
- was below the reporting threshold (in broad terms £325,000 until the end of 2020/21.
this is less than £10,000, or up to 1% of your box 6
figure (up to a maximum of £50,000); An additional nil-rate IHT band may be available
- was not deliberate; and when a residence is passed on death to a direct
- relates to an accounting period that ended less descendant. The set additional amounts are as
than 4 years ago. follows:

When you submit your next return, add the net - £100,000 in 2017/18
value to box 1 for tax due to HMRC, or to box 4 for - £125,000 in 2018/19
tax due to you. Make sure you keep good accurate - £150,000 in 2019/20
records relating to the adjustment. - £175,000 in 2020/21

Any errors that do not meet these conditions must There is a tapered withdrawal (of £1 for every £2)
be notified to HMRC directly. of the additional nil-rate band for estates with a net
value of more than £2 million.
Q. My husband and I own a rental property in joint
names. We would like to transfer ownership of the Unfortunately the additional relief will only be
property to our twelve year old son. Can minors available where the family home is passed by lineal
own property in the UK? descent. This will include a spouse or civil partner of
a lineal descendant, including the widow, widower
A. In this country, a minor (someone under the age or surviving civil partner of a lineal descendant who
of 18 in England) cannot legally own a property. This has died, provided that the surviving spouse or civil
means that an adult must be the legal owner, and partner has not remarried or formed a new civil
own it on bare trust for the minor, who will be the partnership. A lineal descendant includes a step-
beneficial owner. You can therefore transfer to your child, adopted child, foster child, child in the care of
son, but he will not become the legal owner until a kinship carer or child under guardianship, and that
he is 18. child’s first lineal descendants

Another issue to be aware of is that when a parent Sleigh & Story Ltd, Thornhill Brigg Mills, Thornhill
transfers an asset to a minor child, and the asset Beck Lane, Brighouse HD6 4AH.
produces income of more than £100 per year, the You can follow Sleigh & Story on Facebook,
parent is liable to income tax on that income until or Twitter @sleighandstory.
the minor reaches the age of 18.
The information contained in this article is of a general
Q. My estate, which includes my home, is currently nature and you are advised to obtain specific professional
worth around £600,000. I am single, have never advice before you take any action.
been married and have no children. I intend leaving

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Business, Finance & Technology

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Garden

February Wildlife

Guide to wildlife this month

Snowdrops Frog Spawning

It is the flower of February. There are many locations If you have a pond nearby, keep popping out to
across the country allowing you to discover great check it as frogs hop into breeding action around
drifts of white flowers in stunning settings. Associated March time but if it warms in February, they can
with purity and thus planted at various religious sites emerge earlier. After hibernation, the frogs gather
historically, it is a welcome bloom in this sparse and to breed and each female can lay up to 3,000 eggs a
flowerless month. year. Few make the journey though, with dragonfly
larvae, goldfish and blackbirds amongst the
predators enjoying feasting on tadpoles.

Primrose

Roe Deer Once picked in large numbers
and sent on trains from
the countryside to central
London, Primrose would be
sold in bunches at Easter
as one of the first arriving
flowers.

Woodland wildlife becomes easier to see and
discover with bare hedges and leafless woods. If
lucky, you may come across a roe deer. Early morning
and dusk are considered the best times to see a roe
deer emerge.

Waxwings

Waxwings arrive in February in small flocks coming
from central Europe. Their peach-tinged feathers
and black eyes make them easy to identify. If you’re
looking to spot one, hang around hedgerow berries –
one of their favourites.

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Garden

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Garden
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Homes & Interiors

EST. 1989

Kitchens | Bedrooms | En-suites

WHY CHOOSE TOWN KITCHENS?
• Family run business for over 28 years
• Studio located in Mirfield
• Supply and fit or supply only available
• City and Guilds Qualified Carpenters
• Home consultations & Free design service
• Your project fully managed from start to finish
• Very competitively priced

• We will BEAT any genuine like for like quotation

50% OFF SELECTED KITCHENS

AND BEDROOMS

TERMS AND CONDITIONS APPLY

01924 846913 COMING FROM BRIGHOUSE & HUDDERSFIELD
01484 443057 After the White Gate pub & Whiteleys Garden Centre, take your

www.townkitchens.com first left at the top of the hill, and the second drive on the
right.
Townberry House,
2 Little Taylor Hall Lane,
Mirfield, WF14 0DH

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Homes & Interiors
40 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Homes & Interiors

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Homes & InGtrearpieovrisne - 135 x 90 SEP 2018.pdf 1 24/09/2018 12:25

Waxman OPEN FREE

Tile & Bathroom Centre 7 DAYS PARKING

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Homes & Interiors

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Homes & Interiors

2019 Home Trends

We explore the likely interior trends this year

Less is More Bold Backsplashes
Being strategic and purposeful when purchasing Boldly patterned wall tiles, back splashes and floor
key items is important when styling a home with tiles are growing in popularity. Monochromatic
simplicity. Light colours and mirrors make areas look kitchens have had a good long run and bolder
larger, as does less clutter. choices in kitchens are due to add a pop and punch
to kitchens.
It’s also about purchasing sustainably too – buying
fewer but better quality pieces that are built to last Light Wood Floors
years. When a space has too much going on, it can Due to the growing desire for a more airy and open
lose its functionality and feel chaotic. look and feel throughout the home, light-coloured
wooden floors are making a comeback. As they
‘Biophilia’ reflect more light, they create the illusion of space
Seen in the back end of 2018 too, Biophilia trends and can suit a luxurious of casual look.
have seen the introduction of greenery, natural
materials and plant-life into homes across the Bold Walls
country. ‘Bringing nature inside’ can add subtle Many homeowners are opting for bold coloured
vibrancy and a fresh feeling to your home. walls, with deep green and blue hues taking the
lead. Sales of dramatic, moody greens are increasing
as homeowners become bolder in their decisions.
Such colours contrast well with brass and copper
furnishings.

Curves
Curved sofas and rounded dining tables. The circular
shape softens straight edges of a room and gives a
feminine look. The ‘art deco’ influence comes into
play here and can make a room seem inviting and
relaxing.

Memphis Design
This movement involves primary colours and
graphic shapes, turning away from rigid furniture
lines. Originally seen in the early 80’s, Memphis
Design is set to make a comeback in 2019.

Floral Fabrics & Wallpapers
Already apparent in the New Year stock of many
interior shops across the country, floral patterns are
due to make their debut in 2019 with exaggerated
proportions and contrasting colours.

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Homes & Interiors

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Homes & Interiors
46 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Homes & Interiors

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Homes & Interiors
48 Interested in advertising? Text the word ADVERTISE to 07469 234199 or email [email protected]

Homes & Interiors

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Homes & InHteeraitoirnsg Advert -Pacific Stoves.pdf 1 17/10/2018 11:09

Canadian Wood Burning Stoves

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Tile & Bathroom Centre

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