Simply Life Magazine - Issue 01 - Spring 2014

Kitchen life
special
magazine
A sneak peek
into Cheryl Baker’s Winter/Spring 2014

new kitchen What
are your
STRICTLY retirement
TONY JACKLIN options?

The golfing great on A guide to
his greatest funding the
achievements very best years
of your life

8 PLACES
TO SEE
BEFORE

YOU’RE 80

Our guide to
Tuscany’s
treasures

elcome to the very special CONTRIBUTORS
first edition of Simply Life,
Cheryl Baker
Wthe brand new magazine Singer and TV presenter
from Age Partnership. In this
issue, we’re bringing you interesting Tony Jacklin CBE
features that could help you get the most Golfer
from your retirement money-wise, along
with some fascinating articles on travel, Michael Filewood
homes, gadgets and lifestyle. Equity Release

Put your feet up and read the secret to creating a perfect kitchen from Planner of the Year 2013
Cheryl Baker on page 3. We also look at how equity release could help
you realise your retirement dreams (page 5). If you’re planning a trip of a
lifetime, head to page 11 for inspiration in the first of our series, 8 Places
to See Before You’re 80. There’s the lowdown on getting the most from
your pension savings on page 15 and don’t miss our in-depth chat with
golfing icon, Tony Jacklin (page 13). All this as well as the chance to win
some great prizes!

We’d love to hear what you think of the first edition of Simply Life-
please share your thoughts and suggestions for future issues by
emailing us at [email protected]. But for now, all that
remains is to make yourself a cuppa, sit back and enjoy!

Tim Loy, Chief Executive (ACA)

Equity Release Annuities Find out more on page 15

Find out more on page 5 Age Partnership could find you up to
40% more pension income based on
Learn more about unlocking the your health and lifestyle. We compare
money tied up in your home the whole pension annuity
through an equity release plan - market, including leading
receive award-winning impartial providers; Scottish Widows,
advice from fully qualified Prudential and many more.
Age Partnership advisors.
0800 316 7841Speak to a specialist today on
Speak to an advisor today on
Freephone
0800 975 5152Freephone
or visit: www.agepartnership.co.uk/magazine or visit: www.agepartnership.co.uk/magazine

Retirement Options Service Lasting Power of Attorney

Find out more on page 19 Find out more on page 24

Our Retirement Options service Age Partnership can help you
brings you financial advice on your plan for the future in the event
retirement income planning, from you are unable to make
investment-linked annuities to important financial decisions;
drawdown – recommending providing peace of mind
the best solution for you. for you and your family.

Speak to an advisor today on 0800 316 7843Speak to a specialist today on

0800 316 7842Freephone Freephone
or visit: www.agepartnership.co.uk/ROS
or visit: www.agepartnership.co.uk/LPA

Contents
Winter/Spring 2014

13 0908
Tony Jacklin FREE iBooks
shares his for iPads
greatest
moments

FEATURES AND MORE 118 Places to See
Before You’re 80...
03 Kitchen Special; Cheryl Baker 05 How equity release could be a No.1 Tuscany’s Treasures
talks about creating her perfect great way to fund your retirement
kitchen space 03
15 An introduction to annuities -
09 Our top 5 free iBooks for 2014 what affects the pension income In the kitchen
you will receive with Cheryl
11 Why Tuscany should be one Baker
of the 8 Places to See Before 19 Learn more about the income
You’re 80 options available to you at
retirement
13 Captain Fantastic, Tony Jacklin,
shares his greatest moments with us 24 Find out how a Lasting Power
of Attorney could give you peace
21 Make mine a pint ! of mind
CAMRA’s choice of
award-winning ales You could
from 2013
WIN!
25 Coffee time quiz
and a slice of A Sony Cybershot
something nice HX50, iPad Air
and a signed
Tony Jacklin
book…

Winter/Spring 2014 FREEPHONE 0800 316 7536 www.agepartnership.co.uk

02

Happy
Days

In the kitchen with Cheryl Baker

Few things uplift your home more than a nice, new
kitchen, tailored to your own tastes and needs.
Whether you want to give your current home a
new lease of life, or you’ve recently moved and
want to make a property truly yours, installing a
well-designed and fitted kitchen does the trick.

Just ask Bucks Fizz singer, stage performer and
TV presenter Cheryl Baker, who did just that
when she settled into her new
family home in Kent.

Tell us about your house green and Morris dancers outside of jetty that stuck out from the
the pub. tower dividing the kitchen in two. It
I live in a chalet-style bungalow, was a bit ugly and awkward.
smack bang in the middle of a Who shares the house with you?
strawberry farm. The house was We all love cooking in this family
built in the 1930s but has been I live here with Steve, my 19 year and the old kitchen just couldn't
extended and now has five old twin daughters, Kyla and accommodate our culinary skills!
bedrooms. I didn't purposely go Natalie, and my two German We rarely buy a ready meal and
out to buy a chalet bungalow but I Shepherd dogs, Bella and Simba. every day we prepare and cook
have considered that, as I am fast The dogs must have thought all fresh food, often managing to eat
approaching 60 and my husband their Christmases came at once together, which is a rarity for many
Steve is already 62, the day may when we moved here and I must families these days. It would have
come relatively soon when we say I felt the same. When I walk been impossible for us to have
struggle to manoeuvre stairs. them first thing in the morning, it’s a done this with our old kitchen so
really special "me and my dogs" time. a new kitchen was a must.
Where is your home?
What made you decide to go By complete coincidence, my
I live in a tiny village in Kent, which for a new kitchen? current stage role is playing
is one of only two or three in the housewife Mrs Cunningham in the
country, which you cannot drive When we moved in two years ago, stage musical version of 1970s hit
through once in, the only way out there was a very tired 70s-style TV show Happy Days, another
is to come back the way you kitchen, with pine units painted lady who likes to spend a lot of
came. It’s a really ‘Darling Buds bottle green, a huge tower with an time in her kitchen with her family!
of May’ village with cricket on the oven in the middle of it and a kind Rehearsing and performing a

popular, energetic musical like did not need to be solid wood What do you like most?
Happy Days is fun, but really and MDF could be used. The top
hard work, so I’ll be looking of the island and our worktops My favourite part is without doubt
forward to coming back to my are marble and we had a new the new AGA. As it is electric it
home comforts. oak plank floor laid with matt-finish. doesn’t need a flue. The only
The work was completed in about compromise I made was on colour.
Tell us a bit about your kitchen three weeks and I’m really happy I was considering blue, green or
with the results. red, but there wasn’t a shade I
We bought the kitchen from a liked, so I opted for black. I love it.
well-known specialist company What did you want to achieve
called Betta Living, who with your new kitchen? Cheryl is starring as Marion
designed, supplied and fitted it Cunningham in the stage
for us. We regularly have friends and musical Happy Days – with
family over for dinner and we Henry Winkler as Creative
We chose a black and cream thoroughly love entertaining, so Consultant – and touring the
colour theme, but the icing on the kitchen has to be practical country until 5th July. For show
the cake for me is the fabulous and functional as well as nice to information and tour dates visit
four-oven AGA Classic. I have look at. To be honest, it is perfect www.happydaysthemusical.co.uk
always wanted one and, although for our lifestyle and is already
they take getting used to, I proving to be a big success. During 2014 Cheryl is also singing
couldn't live without it now. In When we have friends over for with Mike Nolan and Jay Aston
fact, the AGA is the most dinner we always start with drinks from The Original Bucks Fizz
expensive piece of equipment in and canapés in the kitchen. line-up - www.theobf.co.uk
it, but, hopefully, it will outlive me!

We also have another four-ring
hob for use in the summer when
it’s too hot to have the AGA on.

The kitchen was really good
value. This was partly because
we wanted a painted finish,
which meant doors and draws

The AGA is Cheryl’s
favourite feature

Winter/Spring 2014 FREEPHONE 0800 316 7536 www.agepartnership.co.uk

04

A guide to funding the
very best years of your life

Releasing the money
tied up in your home...

By Michael Filewood, Money Management Equity Release Planner of the Year 2013

For many people Your equity 4.5% How
their home is house
probably their UK house prices are looking set prices are
biggest financial to rise in 2014. This means you expected
asset, far could have more equity than to rise
outweighing any you thought. in 2014
savings and income. A popular way
to tap into this wealth is through And, with the most popular form
an equity release plan. of equity release, a lifetime
mortgage, you continue to own
It’s a great product for homeowners 100% of your home. This means
aged 55 years old or over, providing you will fully benefit from any
them with tax-free cash, whilst they future increase in its value.
continue to own their own home.
Plan benefits
More and more people are
discovering that equity release can Tax-free lump sum 5.0%
offer life-changing benefits.
Spend the funds on anything
How equity release could
help you No monthly repayments 5.5%
5.0%
With life expectancy continuing to Maintain 100% home
increase, dwindling pension pots ownership
and the rising cost of living, equity
release could provide you with an Choose to protect an 6.0% 7.0%
extra income source. inheritance 6.0% 6.0%

The money can be spent on a Continue to live
range of different things – from in your home
paying off your mortgage, making
home improvements or going on 7.0% 8.5%
holiday.
7.0%

Source:
Estate agent Savills, www.thisismoney.co.uk, Nov 2013.

Market and plan developments reversion plan. To understand the provide advice for free and without
features and risks, ask for a obligation. Only if you choose to
Equity release now offers personalised illustration. proceed and your case completes
customers more flexibility and would a typical fee of 1.5% of the
better value than ever before. Good news for existing amount released be payable.
plan holders
Several brand new innovative Access
products were launched in 2013. The Telegraph recently lifted the preferential
These include higher cash release lid on the fact that customers
options and exceptional terms who already have an equity deals
where some or all of the plan release plan can save thousands
set-up costs are paid for. of pounds by “remortgaging”, For a free brochure or to speak
much like ordinary mortgage to an Age Partnership advisor
The importance of getting customers can.
good advice 0800 975 5152Call Freephone
If you‘ve already taken out equity or visit:
You should seek specialist advice release, Age Partnership can www.agepartnership.co.uk/magazine
to make sure that releasing equity review your existing plan to make
is the right choice for you. sure you’re getting the best deal
and that it‘s still right for your
This is where award-winning individual circumstances.
specialists, Age Partnership, can
help. They are independent so Plan availability is subject to
have access to plans from the lenders’ criteria. Age Partnership
whole of the market. You can also
rest assured that their experienced DID YOU KNOW?
and fully qualified advisors will only
ever recommend a plan if it’s in (that’s £284.1m) was released in Q3 2013 AVERAGE
your best interests.
Total value of Over£7-65’s52own.7property2 bwiorthllaitotoalnof 1in5 £57,107 RELEASED
They will happily talk you through equity release
everything you need to know use the funds tomake
about unlocking money from your 14%plans increasedby home and garden
home, including any possible Q3 2012 improvements
drawbacks. For example, you vs Q3 2013
need to understand what impact, 2 in3 57%of over-55’s
if any, it could have on your equity release say their home
entitlement to current and future plans were is their biggest
means-tested benefits and the drawdown financial asset
size of your estate over time. lifetime mortgages
6% 28%
Equity release may involve a in 2013
lifetime mortgage or home gift money CLEAR
O20VE0R0 to friends MORTGAGE
Without releasing and family & DEBTS
equity it would have POSITIVE
taken us several years to REVIEWS
achieve what we wanted to FOR AGE
do with our house and
garden. We chose Age PILOTOPANRTTNRERUSSHITP
Partnership because of the
lowest interest rates and
charges. They were very
friendly and helpful with
no hint of hard sell.

Mr & Mrs J Newman,
County Durham

Source: www.equityreleasecouncil.co.uk and Age Partnership 2013

Winter/Spring 2014 FREEPHONE 0800 316 7536 www.agepartnership.co.uk

06

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Unlocking money
fromyour home

Exceptional equity release offers

With the latest range of plans, homeowners could unlock
more cash from their property and benefit from a number
of low interest rates that can be fixed for life.

Age Partnership is an award-winning, independent equity
release specialist and will search the whole of the
market to provide you with a free personalised
recommendation. They also have access to exclusive
plans that can’t be found anywhere else.

Lender Rate* Free property Cash bonus
valuation
5.9% APR typical £1,000
Yes

just retirement 6.2% APR typical Yes £500

6.2% APR typical Yes -

6.3% APR typical Yes -

Rates and plans can change at any time so please call us for the latest offers.

Age Partnership guarantee to beat *The actual rate available will depend upon your circumstances.
any like-for-like equity release
This is a lifetime mortgage. To understand the features and
quotation or they’ll give you £100. risks, ask for a personalised illustration.
For full terms and conditions
please visit Plan availability is subject to lenders’ criteria and the free property
valuation is dependent on the value of your home.
www.agepartnership.co.uk/pricebeat
Age Partnership provide initial advice for free and without obligation.
Only if you choose to proceed and your case completes would a
typical fee of 1.5% of the amount released be payable.

Information correct at time of print, December 2013.

Call Freephone 0800 975 5152
or visit www.agepartnership.co.uk/magazine
to calculate how much money you could release

Winter/Spring 2014 FREEPHONE 0800 975 5152 www.agepartnership.co.uk

08

THE AGE
PARTNERSHIP

iBooksREVIEW
for iPadsiPadiBooks

Five of the best… Free iBooks for
the iPad – unmissable spring reads.

As the iPad looks set to take over remedy that with a free copy WIN
from Amazon’s Kindle as the most of one of the 20th century’s an iPadAir
wanted e-reader, mainly thanks to greatest novels. Discover the
its speed, storage and the young, mysterious and For your chance to win visit
additional high-spec iPad extras. extremely wealthy Jay Gatsby www.simplylifemagazine.co.uk
We take a look at what you could and his love for the beautiful
be reading on yours. With a Daisy Buchanan. and give us your
multitude of free iBooks available opinions on this
via Apple’s iBookstore, it doesn’t BEST FREE READ
even have to cost you a penny. FOR FAMILIES magazine

So whether you love a classic Recession- BEST FREE READ
novel, a practical guide, coffee Busting Britain: FOR DIYERS
table book or fancy something Best Free Reader’s Digest
new to feast your eyes on, take a Experiences, DIY Manual –
look at our top 5 recommendations. Lonely Planet Plumbing Basics

BEST FREE READ FOR THRILL Getting out and about doesn’t If leaky taps are the
SEEKERS have to break the bank with this bane of your life,
idea-packed iBook. Filled with then make this special taster
The One You Love, hundreds of free things to do edition of Plumbing Basics your
Paul Pilkington throughout England, Scotland next download. A clear
and Wales, whether you love step-by-step guide to achieving
First in the series of galleries or guided walks, the simpler plumbing jobs around
the Emma Holden cathedrals or conservation you’ll the house, it’s interactive,
suspense mystery find reviews, maps and more to illustrated, packed with expert
trilogy, this perk up your days out for less. advice, and best of all it costs a
fast-paced and lot less than hiring a professional!
gripping thriller promises to keep BEST FREE READ
you enthralled from start to finish. FOR ALL AGES
Emma Holden’s fiancé vanishes,
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her too. And in a race against
time, she must find out the truth if Re-discover Carroll’s
she ever wants to see her fiancé iconic adventure -
alive again. accompanied by classic
illustrations from Sir John Tenniel -
BEST FREE READ or introduce it to the younger
FOR ROMANTICS members of your family. Witty,
The Great Gatsby, creative, crazy and captivating,
F. Scott Fitzgerald follow Alice down the rabbit hole
as she encounters an array of
If you’ve seen the quirky characters
film, but not read the including the Mad Hatter, March
book, you can Hare and Cheshire Cat.

Books were free at time of print. For full T&Cs of the competition please see www.simplylifemagazine.co.uk

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880 Tuscany’s
No.1 treasures...

Culture, history, beauty - you’ll find it all here

For the first in our series Florence its maze of narrow winding
we find ourselves in one of streets will lead you past
Italy’s most popular regions. Known as the ‘heart of the monuments, churches and
Offering fine art and fabulous Renaissance’, Florence’s palaces. Used for defence in the
dining, stunning landscapes and museums, churches and galleries 17th century, today you can walk
a wealth of charming ancient are home to some of the world’s around the walls. Topped with
walled towns, Tuscany has most famous artistic treasures. green parkland, they are a
something for everyone. Whether you’re there for a day or fantastic place to wander or
a long weekend, stop off at the picnic in the shade.
Nestled in central Italy, Tuscany cathedral, wander around the
is a holidaymaker’s dream. From Uffizi Gallery, cross the Ponte Pisa
the relaxed and elegant coastline Vecchio or gaze down the Arno
on the west, to the romantic River lined with historical It’s impossible to call in at Pisa
rolling hills inland, its iconic monuments. Florence is also a and not see the Leaning Tower –
scenery has long been a shopping haven - from tiny shops and of course, why would you
temptation to travellers. With crammed with goods created by want to miss the remarkable focal
typically hot summers at the local artisans in the Oltrarno point of Piazza dei Miracoli? But
coast, if you want to get the best (‘other side of the Arno’) to the don’t forget to pop into town to
from your holiday, we recommend designer stores on Via Roma. escape the tourist hot spots.
avoiding the heat of July and This compact and friendly town
August, and heading there in Lucca is much loved for its vibrant
spring, early summer or autumn. café bars, Renaissance
Getting there is easy - by coach Heading northwest, take a step piazzas and Gothic churches.
or car, train or plane. The hardest back in time and visit the almost
thing is deciding where to start perfectly preserved medieval
your trip once you arrive… town of Lucca. Completely
surrounded by ancient city walls,

Tuscany
has more
World Heritage sites
than Argentina,
Australia and South
Africa, and just one
fewer than

Egypt

Val d’Orcia interior. And stop off at the
shell-shaped Piazza del Campo,
South of Pisa lies the UNESCO famous for its fiercely competitive
World Heritage Site Val d’Orcia. and colourful Palio horse
Home to dramatic Tuscan race, held on 2nd July
countryside, it’s a perfect and 16th August.
destination for painting or
photography holidays. Or simply Massa
enjoy a relaxing drive - take in Carrara
the rolling hills, quaint castles
and fascinating hill towns. But Lucca Prato
whatever you do, don’t rush. Pistoia
Exploring the Val d’Orcia is best
done at a leisurely pace so you
don’t miss the outstanding
quality of the local food and the
warm, welcoming hospitality.

Siena Pisa Florence Arezzo
Chianti Cortona
Small but perfectly formed,
Siena is perched precariously in Siena
the Tuscan hills. Its jaw dropping
historic centre - yet another Val d’Orcia
UNESCO World Heritage Site – is Grosseto
characterised by its breath-taking
medieval cityscape. Call in at the
cathedral, or duomo, with its
stunning black and white marble

We’d love to hear your travel tips on Tuscany, drop us an
email at [email protected]. Look out for the

next instalment of 8 Places to Visit Before You’re 80 in
the summer/autumn edition of Simply Life magazine.

Winter/Spring 2014 FREEPHONE 0800 316 7536 www.agepartnership.co.uk

12

Tony Jacklin - Captain Fantastic Tony wins the
shares his greatest moments British Open,
July 12th, 1969
The Great
Achiever

Being the first European to win on
the PGA Tour in 1968 was a thrill.
My two Majors in 1969 and 1970 were
even greater achievements. My legacy
as a Ryder Cup captain will probably
be the thing people will remember me
for, but for me, it is hard to choose as
they were all thrilling experiences.

We were recently Your dance partner Aliona PGA Tour in 1968 was a thrill.
lucky enough to Vilani won it in 2011, did her My two Majors in 1969 and 1970
spend some time experience help you get to were even greater achievements.
with Tony, so we grips with the dance floor? My legacy as a Ryder Cup captain
asked him a few will probably be the thing people
questions. Aliona was a delight and it is no will remember me for, but for me,
surprise that she won with her it is hard to choose as they were
You had a busy end to 2013 partner in 2011, she is extremely all thrilling experiences.
appearing on BBC1’s Strictly hard working and never gave up
Come Dancing, did you enjoy on me, we had a great time Having played around the
swopping the golf clubs for together and she and her partner world, what was the toughest
your dancing shoes? came to stay with my wife Astrid course that you played on?
and me in Florida.
It was an adventure. I had no idea Carnoustie, it can fool even the
how physically taxing it would be. Were there any celebratory greatest of professionals and
The professional dancers are diva moments off camera? when the wind gets up there it is
spectacular with an incredible so unpredictable.
work ethic. The whole experience Not that I can recount, it is very
was amazing and I am glad I gave much like being in one big family
it a go! My good friend Len with everyone on hand
Goodman is one of the judges so supporting each other!
it was nice to know I would see a
familiar face as soon as I started Moving on to your illustrious
on the show. Len offered a great golfing career, what would
deal of support, it would have you consider to be your
been great to have gone further in career highlight?
the competition but there were so
many other talented celebrities so I’ve been fortunate in having a
it was always going to be tough. number throughout my life. Being
the first European to win on the

You played against some Besides winning The Open
golfing greats, who was the Championship and the U.S. Open
biggest character you came
up against? titles in ONE year Tony was the
FIRST Brit to win on the PGATour,
Jack Nicklaus reigned supreme. Jacksonville 1968. FIRST Brit to
He is a dear friend, colleague and
someone I will always have the win on the Senior Tour,1994 and
greatest of respect for.
Europe’s MOST successful
Do you still enjoy getting the Ryder Cup Captain EVER. A feat
golf clubs out when you can? that will NEVER be repeated.

I’m no longer competitive, I don’t Overall, he’s changed the face of
put the hours of practice in to
enable me to shoot low scores. I the Ryder Cup FOREVER.
get more pleasure watching my
youngest son, Sean, who is WIN!
getting to grips with the game.
A signed copy of
Sean is looking to follow in Tony’s Autobiography
your footsteps in becoming a
golfing great, how is he Complete our online survey at
getting on? www.simplylifemagazine.co.uk

Sean’s a wonderful young man for your chance
with amazing talent. He’s gaining to win.
more confidence all the time. He
has now realised for someone
with his skills, that winning is just
a mental state. All I can do is be
there for him as a Dad.

Do you have any tips for
golfers out there looking to
break onto the big stage?

If you have the talent and want it
bad enough, nothing can stop you!

2013 was a good year for For full T&Cs of the competition please see www.simplylifemagazine.co.uk
British golf with Justin Rose
winning the US Open, who do
you think is the player to
watch in 2014?

2013 was an unsettled year for
Rory McIlroy. I sense he may be
feeling more comfortable with the
various changes he has had to
accommodate. I think there are
still great things to come for him.
He recently won the Australian
Open and a player with his talent
means that as long as he is
stable mentally he can go on and
win more majors.

Winter/Spring 2014 FREEPHONE 0800 316 7536 www.agepartnership.co.uk

14

Hofoywoutor mpeankseiotnhesamvionsgts

An introduction to the open market

By Simon Green, Head of Annuities - Age Partnership

When the time the benefits of comparing the However, the greatest increase you
comes to take your whole annuity market and making could achieve is by enhancing your
retirement income, an informed decision about an income based on your health and
you may be annuity purchase†. lifestyle. The provider you have
considering buying been saving with will rarely take
an annuity to turn They reviewed 130 recent annuity these factors into consideration and
your pension savings into a regular purchases and in almost every so you need to shop the open
income that is paid to you for life. case the individual could have market to find this increase in
received a higher income by income, which could be as high as
The pension company with whom shopping around. They highlighted 40% more, according to the MAS.
you have been saving will a number of cases where the
generally write to you around the difference in income was between What affects your annuity income?
time of your retirement with details £3,000 and £9,600 per year.
of the annuity income they will There are a number of factors that
offer to you. How does shopping around will determine the annuity income
get you more income? that you are offered, often referred
This offer is rarely the best deal. to as an annuity rate. Based on
By comparing providers on the these factors, we have seen annuity
Everyone with pension savings open market, there is a greater rates recover across 2013, which
has the right to shop around for degree of competition, which has resulted in a higher level of
their annuity and compare the increases the income you are income for retirees as demonstrated
income they would receive from a likely to receive. In addition, by the graph opposite.
number of different providers to some providers specialise in
make sure they get the best deal. annuities and so are able to
This is called taking your Open offer you a higher income.
Market Option (often shortened The Money Advice Service
to OMO). (MAS) estimates that
these factors alone
Pensions Minister Steve Webb could increase
was quoted recently in the Daily your income
Mail as having said that insurers by 20%.
are taking advantage of customers
that remain with the same
company they have been saving
with. And further, that consumers
were being kept in the dark about
their right to shop around for the
best annuity rate†.

This topic was also the focus of
the Dispatches programme on
Channel 4. Here they emphasised

†Daily Mail and Dispatches,
Nov-13.

2013 Annuity Rates* Annuity rate 2013 trendline

5.40%
5.30%
5.20%
5.10%
5.00%
4.90%
4.80%
4.70%
4.60%
4.50%

Jan-13 Feb-13 Mar-13 Apr-13 May-13 Jun-13 Jul-13 Aug-13 Sep-13 Oct-13 Nov-13

*Taken from “This is money”, Nov-13. Rates are based on a male, age 65, £100,000 joint-life annuity,
paying 2/3rds to spouse. Guaranteed for 5 years with level payments.

The main factors affecting annuity annuity you buy, your health and income has started, you cannot
rates are the economy, particularly lifestyle and also where you live change your mind, it’s important
interest rates, and how long the will affect your annuity rate, and that you find the best possible
annuity provider expects to pay you therefore the income you will get. income and understand all the
an income (your life expectancy). options you have and the
Generally you will only buy an decision you are making.
In addition, the size of your pension annuity once and because after
savings, your age, the type of you have bought it and your

The Age Partnership Annuity I had worked hard for my
Comparison Service pension and didn’t want
to end up with a poor deal. Age
If you are considering buying your annuity, Age Partnership can Partnership offered a much
provide you with quotes from leading annuity providers across better deal than my current
the whole of market. provider. I was initially sceptical
but once I rang them, they were
Plus many more quick to respond and explained
the whole process. They made it
Age Partnership believes that everyone who has pension easy for me to understand all
savings should be able to get the best income possible and the options. I was pleasantly
want access to honest and independent information, the best surprised when they came back
rates and fast, friendly service. They take enormous pride in with an even better figure
being able to offer all of these things to their clients. than originally quoted.

What’s more, they offer the following guarantees: Mr Craghill, Cheshire
• A comparison service that is truly independent and without
Compare
obligation, giving you access to their best annuity rates. annuity rates
• Explanations for all the options that you have and how they
from the
would impact your income. whole
• Instant online quotes from an annuity comparison website. market
• A Best Rates Guarantee, if you find a better like-for-like quote
Speak to a specialist today on
they will send you a cheque for £100.
For full T&Cs of the Best Rates Guarantee please visit 0800FRE3E1PH6ON7E 841
www.agepartnership.co.uk/guarantee or call for details. or visit:
www.agepartnership.co.uk/magazine

Winter/Spring 2014 FREEPHONE 0800 316 7841 www.agepartnership.co.uk

16

THE AGE It’s the world’s smallest
PARTNERSHIP
REVIEW camera with a 30x zoom
But how does the Sony Cyber-shot HX50
Compact Cameras really measure up?

The Sony Cyber-shot HX50 WIN
ONE!
Complete our online survey at
At a glance: www.simplylifemagazine.co.uk
for your chance
• Amazing 30x optical zoom to win.
• Good solid build
• Packed with features
• Wi-Fi connectivity
• Priced around £250

If you’re looking for a
high-performance camera to
take on your travels, you could
do worse than the latest Sony
Cyber-shot HX50. Currently
the world’s smallest compact
with a 30x optical zoom, we
found out if there’s more to
this pocket-sized picture taker
than its super-sized lens.

Truly pocketable, the HX50 dimensions One in a long line of impressive electronic viewfinder or
are H64.3 x W108.1 x D38.3mm high-end cameras from Sony, the microphone giving you plenty of
stand out feature of the HX50 is scope for magnificent holiday
its zoom making it perfect for macro snaps or videos. And like many
work, telephoto shots and pretty digital cameras, it also includes
much everything in the middle. Wi-Fi connectivity so you can
share your shots via PC,
Sturdy and nice to handle, as smartphone or tablet via an easily
you’d expect from this brand, it downloadable app.
weighs just 272g. You’ll need a
fairly large pocket to put it in, but Our verdict? It’s a stunning
it is very easy to carry around. camera that takes you from
And with a textured rubberised wide angle to huge zoom with
grip, it feels secure too. ease. Slightly bulkier than
some on the market, it’s
Cramming a 20.4 megapixel certainly compact enough to
resolution onto a small Exmor R make a perfect companion
CMOS sensor is not without its whether you’re holidaying or
issues and image quality loses capturing family memories.
out very slightly, but it’s more than
adequate for most people’s needs.
You can attach an external flash,

For full T&Cs of the competition please see www.simplylifemagazine.co.uk

Pension Annuity
rate update

Age Partnership compare the whole of the annuity market to help you find the
best possible pension income. Here are some example rates, which they may
be able to beat, simply by personalising your quote with details of your health
and lifestyle. Remember, the higher the rate, the more income you will receive.

Enhanced annuity rates are based on your health and lifestyle and could
lead to a 40% increase in your pension income.

Provider Annuity Rate Up to 25% Enhanced rates
tax-free cash available?
7.18%


7.16%

just retirement 7.12%

6.81%

6.43%

5.47%

Call Freephone 0800 316 7841
or visit www.agepartnership.co.uk/magazine

to calculate your pension income

Rates shown for a 65 year old male smoker, £50,000 pension fund after tax-free cash, single-life annuity, paid
monthly in arrears with no escalation. Rates quoted on 19/12/2013 and are correct at time of going to print.
Rates can change daily and do not account for tax and personal circumstances, which may change in the
future. For your individual rate ask for a personalised illustration.

Your ability to take 25% of your pension savings as tax-free cash, as well as how you are taxed on your
pension income will depend on your individual circumstances. All of the information we provide is based on
our understanding of current tax and pension rules, which can change.

Winter/Spring 2014 FREEPHONE 0800 316 7841 www.agepartnership.co.uk

18

Greater choice for
your retirement

A guide to your retirement income options

By Phil Handley, Financial Advisor for Age Partnership’s Retirement Options Service

Many people looking to take a retirement income are happy to buy a lifetime annuity and want
the guaranteed income this provides. However, some want to know whether there are other ways
to receive a retirement income that may be more suitable for them.

If you have a larger pension pot or want a little more flexibility when it comes to your retirement
income, you may wish to consider further options that could offer you advantages over a
lifetime annuity. Here’s a summary of what they are:

Drawdown Investment-linked Fixed-term annuity
annuity
Rather than buying an Similar to a lifetime annuity, a
annuity, you can choose to Also involves buying an fixed-term annuity provides an
leave your fund invested and income for life however, that income for a fixed period –
take an income from it in income is linked to the usually between 3 and 25
instalments. This means that performance of an years.
your income is very flexible. investment fund.
After the period, you have a
Your fund size is linked to the Should the investment fund fund available to buy another
performance of the funds it is perform better than assumed retirement income. This income
invested in and so could then your income would go will be based on annuity rates
increase in value but also up but if it doesn't your available at that time, which
decrease. income would go down. may be lower or higher than
those available today.
Advantages: Advantages:
Advantages:
Control and flexibility over Potential for a higher
your income and where starting income. Allows you to delay a
your fund is invested. lifetime decision.
Potential for your income
Improved benefits to your to increase to counter Access to tax-free cash,
estate when you pass away. effects of inflation. without the need to also
take a regular income.

Launched in early 2013, the Retirement Options service allows Age Partnership to provide their
clients with expert, un-biased, financial advice on all of the retirement income options introduced here.
For more information about these options, please contact the Retirement Options team on 0800 316 7842

or alternatively visit www.agepartnership.co.uk/ROS

Your ability to take 25% of your pension savings as tax-free cash, as well as how you are taxed on your
pension income will depend on your individual circumstances and may change in the future. All of the
information we provide is based on our understanding of current tax and pension rules, which can change.
The value of investments and the income derived from them may go down as well as up. There is no
guarantee of a fund performance meeting future income needs.

All you need to know about hearing
aids is in the world’s best
Consumers Guide
and it’s now FREE
Comparisons of over 500 hearing aids.
Essential for anyone who has a
hearing aid or is considering one.
It is invaluable. Sent by Freepost

In the last ten years, new technology has created a maze of Was £5.99 now FREE!
choices in the selection of hearing aids. To get a FREE copy of the Consumers Guide to
With more people than ever using hearing aids, it is essential that FREEPHONEHearing Aids now just:
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The introduction of digital chip techniques has brought more
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puzzling to say the least. or request details online at www.dhais.co.uk
The Consumers Guide To Hearing Aids is an A4 colour guide Please post me FREE Consumers Guide to Hearing Aids by FREEPOST.
with 32 thorough pages which tell you everything you Tick if pensioner. Scottish, N.I., Eire & I.o.M. enquiries welcome.
need to know about hearing aids. PLEASE COMPLETE ALL SECTIONS MARKED* IN BLOCK CAPITALS.
It is the A-Z of Hearing Aids and can help you select the specific
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It explains what you spend your money on and can save your
hard-earned cash before you buy a hearing aid.
It gives you comparisons of hearing aids by brand,
circuit option and model.
This offer is only available to those who have a genuine hearing
problem and is therefore limited to one copy per household.

The Contents of the Guide

+Explains if you need a hearing aid and what it can do for you.

+24 Worldwide Brands.

+Whether you need one or two hearing aids. ¡¡* Mr/Mrs/Miss_______________________________________________________________________________________________________________________________________________________________
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5 Basic Digital Hearing Aids. *Postcode *D.O.B D D M M Y Y

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5Definitions of Hearing Aid Terms. And More...
The information we will send you will be from our authorised associate for your area. If you do not wish to receive
additional information by mail, phone, email or otherwise please advise. Certain hearing aids may not always be
available in all areas and may not help all types of hearing loss.

Make mine a pint!
British brewing hasn’t been this exciting in years,
with over 8.5 million of us now enjoying real ale

Award-winning beers of 2013 per cent mild is smooth and uses Fyne Ale's Jarl
decadent amounts of chocolate
Nominated by ordinary beer malt to give it a rich coffee finish. Jarl from Argyll,
drinkers and judged each year Milds traditionally focus on malt not a Dr Seuss
at the famous Great British Beer tastes rather than hops, which character but a
Festival, here's a quick guide add bitterness, and this is no Scottish beer
to some award-winning pints exception with seven types of judged this year's
from 2013. grain used for flavour and no best Golden Ale -
aroma hops used at all. having already
Elland's 1872 Porter been named CAMRA's Champion
Buntingford's Twitchell Beer of Scotland. It's a nice,
A complex, dark sessionable 3.8 per cent ABV with
and dangerously Brewed in a light and golden colour, and light
drinkable 6.2 per Hertfordshire, citrusy and grassy hop flavours
cent ABV porter, this Twitchell is local and aromas to enjoy.The name?
beer from a West slang for a narrow Argyll is steeped in Viking folklore
Yorkshire brewer is street found in the and Jarl was the title of the
a recreation of an old market towns in Norwegian Earls who took much of
original 19th century recipe - the region. The beer the land in the 12th century.
we'll leave you to work out the that takes the name was crowned
exact year. The beer becomes champion bitter in 2013. It's a Beeston's On the Huh
one of a select few to win the fruity, golden cultured 3.8 per cent
Campaign for Real Ale's (CAMRA) ABV bitter, with the good balance More local dialect
National Winter Beer of Britain of malty flavours and flavours from inspires this name,
award as well as the coveted hops which defines the beer style. which roughly
overall Champion Beer of Britain It's brewed with Maris Otter pale translated means
Award, announced at Olympia, malt, along with English Goldings "a bit wonky",
London, in August. Taste it and hops - and as an exotic twist, which is what you
you'll discover a rich and strongly Cascade hops from the USA. might be if you
flavoured porter with roasty notes have too many pints of this 5 per
of coffee and dark chocolate. Mordue's Workie Ticket cent ABV beer - named best
strong bitter in the country. It's a
Great Orme's Welsh Best bitters are traditional bitter - smooth, full of
Black Mild slightly more malt flavours and full bodied.
robust bitters and
Sticking with Workie Ticket, Growler's Umbel Magna.
darker beers, brewed in North
Welsh Black, Shields, is no The Champion
made in Conwy, exception - nor is it Beer of Britain
was named the a stranger to the Champion Beer specialty category
best mild beer in of Britain awards - it won the top can include beers
the country by CAMRA, which prize in 1997. It's 4.5 per cent, a made with unusual
organised the Great British Beer complex beer with a good balance ingredients such
Festival and a host of other beer of malt and hops and a as fruit and herbs -
festivals throughout the year all thirst-quenching bitter finish. And and this year's winner is an
over the UK. Rich, dark and unlike a lot of bitters these days, unmistakable 5 per cent beer
packed with fruity flavours, this 4 it's a good, old-fashioned
mahogany colour!

made using coriander. It's already How do the beers get chosen? the panels are made up of beer
taken home the specialty prize The Campaign for Real Ale has writers, but primarily ordinary real ale
on six other occasions, so it's 150,000 members across the fans and drinkers like the rest of us.
tempting to let the Essex brewery country and every year it's those
just keep the prize forever. It's a individuals who start the Champion Visit www.camra.org.uk to get
recreation of a 1750's porter with Beer of Britain process by more information on the CAMRA
warming spicy notes and dark, nominating their favourite beers. awards, CAMRA festivals and how
roasted flavours. Beer fans then get together on to join and take part in helping to
local judging panels to select their select future Champion Beers of
Worthington's White Shield winners, which go forward to Britain. Visit www.gbbf.org.uk for
regional finals. The final winners details on next summer’s event
The brewery may are chosen by panels of judges at and how to get tickets to be one of
now be owned by the Great British Beer Festival - the first to hear about and taste the
the international 2014 Champion Beer of Britain.
giant Molson-Coors, Elland’s 1872 Porter,
but this classic Champion Beer of Britain 2013
5.6 per cent
bottled beer is still brewed with
passion and attention, which
ensures it's continuing to win
prizes - and this year took home
the Champion Bottled Beer of
Britain award (not for the first time
either). Bottle-conditioned, it still
contains live yeast in the bottle,
which means it continues to enjoy
secondary fermentation while on
the supermarket shelf, or in your
beer cupboard, patiently waiting to
be drunk. Crack open the bottle
and pour carefully to avoid the
sediment ending up in your glass
and you'll get a subtly carbonated
beer with bold notes of malt and
toffee, fruity flavours, a powerful
hop profile leading to a satisfying
bitter-sweet finish.

The
number of
breweries in the UK
has topped 1000 -
the highest figures

since
the war!

Please drink responsibly.

Winter/Spring 2014 FREEPHONE 0800 316 7536 www.agepartnership.co.uk

22

2014 FREE GUIDE OUT NOW!

Everything you want to know

about Stairlifts
- now in one

FREE Guide!
At last. The UK’s first truly independent
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How neatly the new designs fit in and
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What design features are available in This detailed
terms of Safety, Comfort, Accessibility, page-by-page
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If you do not wish to receive additional information by mail, phone, or otherwise please advise.

Take control of of Protection. This can be a
your future,today lengthy and stressful process
which can take several months,
A Lasting Power of Attorney not only and costs can be significant. By
protects you, it also provides peace contrast, the Court fee to register
of mind for you and your family. an LPA was recently reduced to
just £110 and the whole process
“Making a Lasting Power ‘Attorneys’ is the legal term for the can be completed in just a few
of Attorney is as important people you choose to make weeks. By making these key
as making a will – it can important decisions on your behalf, decisions now, many people can
save people unnecessary in the event that you’re unable to avoid needless heartache during
trauma and expense and make them yourself. This could be an already difficult time.”
makes sure their own due to an illness, accident or loss
wishes are followed of physical or mental capacity. Age Partnership offer an LPA
whatever happens.” service where their specialists
An LPA allows you to plan in have experience and knowledge
Justice Minister Lord McNally, advance, who your Attorneys to guide you through the
October 2013 should be (usually friends or decision-making and application
relatives), and what decisions they process.
In 2013, the number of Lasting should be involved in.
Power of Attorney (LPA) Mrs Charles* chose to use the
applications increased by 20% - Without an LPA, family members LPA service at Age Partnership,
a clear sign that more people are often find themselves powerless as it provided extra security
planning for the unexpected. to do even the simplest things on with her equity release plan;“It
With recent changes making the their loved ones behalf, such as was much cheaper to set up
process simpler and cheaper, paying their bills or even now, rather than waiting until
now could be the ideal time to accessing joint bank accounts. we actually needed it. I was
start planning your financial already aware of Lasting Power
future. You can only set up an LPA while of Attorneys, after a friend’s
you are still making decisions for mother was diagnosed with
yourself, so by the time you need Alzheimers, but I didn’t know
one, it will usually be too late. In any details. The specialists at
this case, as explained by Age Partnership answered all
Solicitor Chris Walton, “your family my questions and gave me
would have to apply to the Court honest, sensible feedback.”

*Names have been changed.

For more information about
arranging your own Lasting
Power of Attorney, get a free
initial consultation with the
specialists at Age Partnership.

0800FR3EE1PH6ON7E 843

www.agepartnership.co.uk/LPA

24

It’s coffee time...
Following on from our ‘8 Places to See Before
You’re 80’ article, we’ve got this coffee time
teaser for you. So put your feet up and find all
the Italian-inspired words in our word search.

• ARNO • OLIVE

• CAPPUCCINO • PISA

• DUOMO • PIZZA

• FLORENCE • SIENA

• ITALIA • TUSCANY

• LUCCA • UFFIZI

• MICHELANGELO • VINO

Cut out and keep

Baking Inspiration Make it: 10 mins
Cook it: 35 mins
Simple Banana Loaf Serves approx. 10

If you fancy a slice of something nice with your cuppa, Ingredients:
what could be better than a warm chunk of our delicious • 125g softened butter
Banana Loaf? It’s the perfect way to use up those over ripe • 150g golden caster sugar
bananas lying around in the fruit bowl! • 1 tsp vanilla extract
• 1 egg, beaten
• 2 very ripe bananas, mashed
• 190g self raising flour
• 60ml milk

Method:
1 Grease and line a 2lb loaf tin
2 Preheat your oven to 150C fan

oven /170C regular / Gas mark 3
3 Gently melt the butter, sugar and

vanilla extract in a medium pan
4 Remove from the heat and stir in

the mashed bananas
5 Add the beaten egg, mix well
6 Stir in the flour and add the milk
7 Pour into your loaf tin and bake for

around 35 mins or until a skewer
comes out clean
8 Let it cool a little before you slice
and enjoy it!

Winter/Spring 2014 FREEPHONE 0800 316 7536 www.agepartnership.co.uk

60 products
reduced –
many at

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£2offReaders Discount Post to: Healthspan Ltd, PO Box 64, Guernsey GY1 3BT. Price Qty Total (£)

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EXCLUSIVELY AVAILABLE FROM: NUTRITION FOR A HEALTHY LIFESPAN

www.healthspan.co.uk FREEPHONE 0800 73 123 77

All Healthspan Ltd sales with standard delivery service are provided to you by PostDirect at a price of £1.95 incl. VAT. Please allow 10 days for delivery. By completing this form you are agreeing to PostDirect’s terms
and conditions of delivery. Express delivery services are available to you by PostDirect at a cost of £19.95 incl VAT. All product prices shown include VAT. Full details are contained in the terms and conditions

at www.healthspan.co.uk. Our Customer Charter provides a no-quibble refund on products and guarantees that your personal data will not be passed on to third parties. Prices and voucher valid until
28.02.14. Single use only and not to be used in conjunction with any other offer.If you do not wish to receive future product updates, please tick this box: Healthspan Ltd, PO Box 64, Guernsey GY1 3BT.

Yosemite National Park has Just one of countless magical experiences
four entrances, but one on our ‘California and the Golden West’
gets your camera clicking tour is a visit to awe-inspiring Yosemite
more than the others. National Park. We like to enter from the
So that’s the one we take. south gate, journey through the pine forest
and watch your jaw drop as we emerge to
a breathtaking panorama of mountains and
waterfalls. You won’t believe your eyes,
so make sure your camera is fully charged.

Wherever we take you, the world won’t
seem quite the same again.

Titan’s new ‘Worldwide’ brochure is out now!

162 superb escorted tours and cruises with prices between £875 and £6,695

Call free on 0808 115 9426 quoting AP5 2EY or visit titantravel.co.uk

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subject to availability, may be subject to change and will be con rmed upon enquiry. ABTA Y174X ATOL 0308