Totnes_Directory_August_2022

Over 4,200 copies delivered free every month to the homes and businesses of Totnes

August 2022 | Issue 182
www.totnesdirectory.co.uk

TOTNES MARTIN HEALTH
TOWN COUNCIL LEWIS MATTERS

Bids to buy Understanding Registering to become
an organ donor
KEVICC site pension credits

TOTNES & BRIDGETOWN FESTIVAL OF ARTS & CULTURE 1
itʼs not to be missed!Please mention Totnes Directory when responding to adverts

2 Advertise from just £20 per month* | Call 07875 538 848

Inside...

20 KEVICC @shutterstock06

Summer festival Totnes & Bridgetown Festival
Of Arts & Culture
28 TRANSITION TOWN TOTNES
10
Totnes Climate Hub launch
RIVERFORD RECIPES
34 DARTMOOR WALKS Fire up the BBQ for these tasty recipes

The Sheepfold & Stannon Valley 22

36 HEALTH MATTERS GARDENING
Garden colours to match your personality
Registering to become an organ donor
58
40 TOTNES TOWN COUNCIL
@shutterstock
Bids to buy KEVICC site

44 MARTIN LEWIS

Understanding pension credits

52 ON THE ROAD

Land Rover Defender 110

56 TOTNES HERITAGE TRUST

Dear Totnes Directory reader...

62 MEANDERING NATURALIST

In search of Manx Shearwaters

70 TOTNES MUSIC SCENE

Live events this summer

72 TOTNES LIBRARY

Summer activities

74 TOTNES TOWN BUS

New routes & timetable

78 A-Z INDEX

Advertisers & service providers

CONTACT US

T: 07875 538 848
E: [email protected]

www.totnesdirectory.co.uk PET CARE
Twitter: @TotnesDirectory Dogs die in hot cars

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Dear resident...

Welcome to the August edition of the Totnes Directory. © photosofdevon.co.uk

Last month we welcomed the return of the Totnes Show Useful Numbers
and later this month the town is promised another
extravaganza in the shape of the Totnes and Bridgetown Police 999 or 101
Festival of Arts and Culture. This is a brand new Post Office 0845 7223344
concept and the organisers have told us this will be the Electricity 0800 365900
first festival of its kind locally, with acts of national and Gas 0800 111999
international renown performing over thirty venues. The Water 0344 346 2020
festival itinerary stretches over ten days with at least Flood Watch 0845 9881188
seventy events of which over thirty will be free to attend. Totnes Community
A highlight is sure to be the grand parade and procession Hospital 01803 862622
starting at Steamer Quay and finishing at Borough Park. Leatside Surgery 01803 862671
Another local event not to be missed! Catherine House Surgery 01803 862073
COOP Pharmacy 0500 970487
In their Totnes Matters article this month Totnes Town Morrisons Pharmacy 01803 840340
Council confirms it has resubmitted a bid to purchase Citizen Advice 0808 278 7948
part of the Lower School site at KEVICC. It should be Town Council 01803 862147
very interesting to see how this plays out in particularly to Tourist Information 01803 863168
how the land in question will be redeveloped. Library 01803 862210
Rail Enquiries 08457 484950
Also this month: KEVICC students reflect on their RSPCA 01803 866597
summer festival, meandering naturalist Colin Hair reports South Hams
on his search for manx shearwaters, Inga Page takes us District Council 01803 861234
on a stunning Dartmoor walk and the team from Leatside Totnes Caring 01803 865684
surgery offer guidance on registering for organ donation. Totnes Social Services 01803 869300
Caring Town 01803 864450
Along with our regular features together with a The Priory Church of
comprehensive index of local traders and service St. Marys, Totnes 07775 356 652
providers we hope you find the directory both useful
and interesting. Please don’t forget we will be happy
to publish any community news, stories or interesting
articles completely free of charge.

Finally please remember to say:
“I SAW IT IN THE TOTNES DIRECTORY”
when responding to adverts.

Best wishes

Richard & Shona

Whilst every effort has been made to ensure the accuracy of material published, the Totnes Directory take no responsibility for
accuracy of statements made by contributors or advertisements or for the loss arising from non publication of any advert. All
images and content are accepted and reproduced in good faith. This publication may not be reproduced or transmitted in any form
in whole or part without the express permission of the publisher.

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What plans are you putting
in place to manage your
finances?

With the rising cost of living, staying on top of your finances and devising a
financial plan is more important than ever.

SOME QUESTIONS TO CONSIDER

WHERE ARE YOU WHAT ARE YOUR WHERE DO YOU
CURRENTLY? GOALS AND WANT TO BE?

ASPIRATIONS?

CREATE WHAT TOOLS DO WHAT DO YOU NEED TO
DIRECTION AND YOU NEED? DO TO GET THERE?
DEVISE THE PLAN

IS THE PLAN DO ANY ARE YOU ON
WORKING? CHANGES NEED TRACK TO YOUR

TO BE MADE? FUTURE?

TURN YOUR PERSONAL AND
FINANCIAL GOALS INTO A
REALITY

If you'd like to know how you could make the most of your finances, get in 5
contact to see how one of our advisers could help you.

GIVE US A CALL ON 0800 2335599 OR VISIT WWW.CLARITYWM.CO.UK
WATERSIDE HOUSE, THE PLAINS, TOTNES, TQ9 5DW

CLARITY WEALTH MANAGEMENT LLP IS AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
REGISTERED IN ENGLAND AND WALES AS A LIMITED LIABILITY PARTNERSHIP NO OC371189.

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TOTNES &

BRIDGETOWN

FESTIVAL OF ARTS
Community Grants
& CULTURE
Stepping Stones Totnes is one of 11
This August Totnes and Bridgetown will
come to life with a brand-new arts and community groups that received a
culture festival. The first festival of its
kind locally, with over thirty participating grant from Totnes Town Council last
venues, seventy plus events (with thirty
plus completely free!) over ten days, it is month. Other grant recipients include
not to be missed!
GrasTsortonoetss, Cnaornin-pgr,oTfiot tanneds cBoimkemHunuibty, lSetd. It is
South Devon’s new festival is set to welcome a ceJleobhrna’stioCnhoufrpchla,cIencalnudsivbeeloTnogtninegs, aancdhance
acts of national and international renown with to filBl rtihdegetotowwnnwAithlivcer!eaWtivitithy aancdommbaikneedit burst
an exciting programme of shows, workshops at thvealsueeamosf w£it2h4a,0rt0is0t,ry.the grants will
and events spanning visual arts to music to
theatre to circus to dance. We are thrilled to support a wide range of local projects
be welcoming Shakespeare’s Globe on their
United Kingdom tour and international artist Cllr tBheant aPiimpetro, feonrhmaenrcMe awyeollrboefinTgotonreosfsfearid:
Rasha Nahas. The programme features a
grand parade on Sunday 21 August, starting at other benefits to the area.
Steamer Quay and finishing at Borough Park,
featuring giant puppets, music, dancers & a “I am so excited that we are finally getting
spectacular fire lit finale!
a trIuf eyoubrhoaavde -abacosemdmuanrittsy gferosutpivaolr aonff the
FREE FOR ALL grouidneda ifnorTaotnpreosje. cTt,hdisidisyoaunkindoewa othuar t has
SUITABLE FOR ALL AGES beecnominmmuanintyy cpoe-oorpdlien’astomr icnadnshfeolpr dyoeucades
TAoLtnLesWFEesLtCivOal Mis Ea TfeOstivGalEwTitIhNaVdOiffLeVreEnDce. andtoI’amccepsrsoufudndtionghfraovme obtheeernsopuarcrets?of the

NToDwPpInnrooCjtveheocetrusntlhacaesilct rltaoeyssaestamrc,Totouhwtpaneelt’evsehoatfssouypweapaocorcrsrketeestdosd with
help

it hafupnpdeinng.” worth over £545,000 from

government grant schemes and
eTvheenroettshewtariklslionubgrecpelsaa.cem, ualstituwdeell of free outdoor
as those at local

vSetonruIyfetesyl.oleuFr’rdsomalitkesBtoitrodrywtfeionloldindgoHuletodumsbeoyretoS, oeaumnthaoiluD: tedvooonr
comcmomunmityunpitlayy@btoytnMeEsDtowThnecoautrnecoiln.gVovir.eukIsland,

there will be something for everyone. The 2022

festival is produced by NDP Circus with support

from Totnes Town Council, South Hams District

Council and Visit Totnes.

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HERE ARE SOME OF THE FESTIVAL HIGHLIGHTS

JULIUS CAESAR BY THE GLOBE THEO CLINKARD – CONTEMPORARY DANCE
This Summer, Shakespeare’s Globe brings a WORKSHOP
startlingly relevant new production of epic tragedy Internationally renowned dancer, choreographer,
Julius Caesar to Dartington Hall’s Private Garden designer and teacher, Theo Clinkard, will be
as part of their nationwide Globe on Tour series. leading a contemporary dance workshop,
When: Tues 23 at 7.30pm & Wed 24 Aug at 2pm exploring how we can bring greater attention to
& 7.30pm our perceptive experience of ourselves in motion,
Where: Dartington Private Garden those we move with and the space we inhabit.
When: Mon 22 Aug 2-5pm
RASHA NAHAS Where: Civic Hall
Acclaimed Palestinian singer, composer and
instrumentalist Rasha Nahas will be performing SONIC LANDSCAPES OF COLOUR
at St Mary’s Church in aid of Palexpo. Rasha’s Totnes Festival presents the premier of Sonic
sound moves seamlessly between early rock ‘n’ Landscapes of Colour; a Sound Art Documentary
roll and the anarchic heyday of ’80s experimental that tells the story of young People of Colour who
electronica. This will be an evening filled with the have grown up in the South West (Somerset,
soulful sounds of the Middle East. Devon & Cornwall), developed by Somatic (Somin
When: Fri 19 Aug 7-11pm Griffin-Dave).
Where: St Mary’s Church When: Thur 8 Aug 6-8.30pm
Where: The Angel
FINDING YOUR INNER GARGOYLE (FYIG)
FYIG will be a sixty minute mixed discipline Please visit www.totnesfestival.co.uk
performance using aerial techniques, physical
theatre, dance and music to tell a story developed for individual event details and ticketing information
from a series of workshops taking place in Totnes
in the run up to the festival also entitled ‘Finding We are currently accepting applications
Your Inner Gargoyle.’ Using the magnificent St for volunteers! If you would like to get
Mary’s Church as set and backdrop, FYIG will involved in this year’s festival, please email
transport you to a dark world of fire, fury and [email protected]
fantastical creatures.
When: Sat 20 Aug 8.30-9.30pm @totnesfest
Where: St Mary’s Church

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OFFICE SUITE AVAILABLE TO RENT
@ South Devon House, Babbage Road, Totnes TQ9 5JA

The office suite comprises four offices and a kitchenette.

• Office 1 is 52.5 sqm • Includes the use of
• Office 2 is 7.24 sqm three parking spaces
• Office 3 is 25.25 sqm
• Office 4 is 17.82 sqm • Free WiFi
• Intruder alarm
• Intercom

Office rental is £2,875 per quarter,
service charge £838 per quarter.

Telephone land line service,
if required, £25 per month.

More self contained offices of various sizes available for rent soon,
please contact us for details

For further details or to arrange a viewing, call Julie on
01803 863550 or email [email protected]

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All you need is sltoovraege
-Totnes
Self Storage

& DARTINGTON indoorselfstorage.co.uk

UNITS 20ft2 200ft2 Dart Mills, Babbage Road, Totnes, TQ9 5JA
FROM
From only per week 01803 835777

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Recipes: www.riverford.co.uk/recipes

BBQ PINEAPPLE STICKS with sugar, chilli, lime and salt

Serves: 4 Sweet fruit with chilli and salt is an acquired taste, but they’re common partners with both
Prep time: 10min pineapple and mango in India, South East Asia and Mexico. Your use of lime juice will all depend
Cooking time: 15min on how sharp your pineapple is. If it feels like you’re just messing with a good thing, the BBQ’d
pineapple is still superlative without the savoury dusting.

Ingredients Step 1: Peel the pineapple and cut into quarters. Cut away the tough central core.
main: Sprinkle each piece with a light coating of brown sugar.
1 pineapple Step 2: Place over a medium BBQ heat and grill for 10-12 minutes, turning
light brown sugar, occasionally, until caramelised and coloured.
for dusting Step 3: Meanwhile mix the sugar, salt, chill and lime zest together.
Step 4; Halve the limes and stick them facedown on the BBQ for a couple of
For the chilli salt: minutes to caramelise.
1 tbsp light brown sugar Step 5: To serve, insert a skewer into each piece of pineapple, squeeze over some
1 tsp flaky sea salt hot lime juice and sprinkle with a little of the chilli salt mix.
1 tsp dried chilli flakes
2 limes, zested

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WHOLE GRILLED BROAD BEANS with chilli & lemon

Serves: 2 This is a great way of cooking broad beans without having to waste the pods. Whole pods
Prep time: 10min are cooked on a hot griddle or directly on a BBQ to allow for charring on the outside, while
Cooking time: 10min the beans steam nicely inside their parcels. Lemon, chilli and olive oil add a big hit of
flavour; don’t be shy with them or the salt.

Ingredients Step 1: Start by peeling away the stringy part of each pod, by pinching the top or
1 handful whole tail of the pod and pulling down each side of it, as you would do with a sugar snap
broad beans pea.
1 lemon Step 2: Toss the broad beans in olive oil and salt.
1 chilli Step 3: Heat a griddle pan until it’s really hot and add the broad beans; you can
olive oil also cook them directly on a BBQ.
sea salt Step 4: After about 2-3 minutes (give them a turn halfway through to char both
sides), the outsides should have charred nicely and the pods should turn a vibrant
green. The beans inside will have steamed nicely in their natural parcel.
Step 5: Pile onto a plate and finish by sprinkling over chopped chilli, lots of lemon
zest, a little lemon juice and sea salt.

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ASPArAguS
& gArlIC
PrAWn
SPAghettI

Garlicky, lemony, chilli
prawns and asparagus
tossed with al dente
spaghetti – this dish will
transport you straight to
the coast of Italy!

Serves: 2

Preparation time: 5 mins
Cooking time: 10 mins

You’ll need:
You’ll need
250g spaghetti
250g British asparagus
1+1 tbsp butter
1+1 tbsp olive oil
3 cloves garlic, crushed
200g raw prawns
¼ tsp Italian seasoning
Sea salt & black pepper
60ml vegetable stock
1 tsp sriracha
Juice of ½ a lemon
½ tsp crushed chilli flakes
(optional)

What to do: each side until turning pink. Then add the Italian
l Put the spaghetti on to boil in a large pan of seasoning, salt & pepper, stock, sriracha, lemon juice
salted boiling water. and chilli flakes, if you are using them and allow the
l Trim the asparagus and cut each spear into three. pan to bubble. Stir the asparagus back in.
l Heat 1 tbsp butter and 1 tbsp oil in a frying pan l Drain the spaghetti, reserving some of the
and add the garlic and fry for a minute and then add cooking water and toss it through the mixture in the
the asparagus. Tossing in the pan for a couple of pan, adding some of the cooking water if you feel it
minutes. Remove the asparagus and set aside. needs to be a bit looser. Serve immediately.
l In the same pan add another 1 tbsp butter and 1
tbsp oil and add the prawns. Cook for a minute www.britishasparagus.com

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Tuesday NNiigghhtt SSppeecciiaall

GOURMET FISH N’CHIPS

TTuueessddaayy NNiigghhtt SSppeecciiaall

GOURMETT FFIISSHH NN’’CCHHIIPPSS

TTWWOO PPOORRTTIIOONNSS FFOORR ££2266 13

CCOOTTTTIINNNN..CCOO..UUKK

TWO PORTIOONNSS FFOORR £26

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CreaM CheeSe SWirl BlondieS

These luxurious swirl brownies are a decadent sweet treat perfect for all the family

Serves: 6 What to do:
Preparation time: 15 mins l Melt the butter and both sugars in a pan over a low heat.
Cooking time: 35 mins Remove from the heat and leave to cool for 10 mins – this will
You’ll need: stop the eggs from curdling when added. Heat the oven to 180°C.
For the blondies: Butter a 23cm square tin or 25 x 20cm baking tin and line with
175g unsalted butter baking parchment.
200g light brown sugar l Beat the eggs and vanilla into the cooled butter and sugar
100g caster sugar mixture until well-combined. Sieve in the flour and baking
3 eggs powder, then gently fold to achieve a smooth batter. Scrape the
1 tsp vanilla extract batter into the prepared tin.
200g plain flour l In a separate bowl, beat together the cream cheese and sugar
½ tsp baking powder until smooth. Add the egg and vanilla and beat again until
For the cream cheese swirl: combined.
250g Paysan Breton French l Dollop spoonfuls of the cream cheese mixture and strawberry
Sea Salt cream cheese jam over the blondie batter, then use a skewer or knife to swirl
50g caster sugar into the blondies.
1 egg l Bake for 35-40 mins until the edges are coming away from the
1 tsp vanilla extract sides of the tin and a skewer inserted into the middle comes out
4 tbsp strawberry jam with a few crumbs, but no liquid batter. The blondies will firm up
(we like Bonne Maman) as they cool.

14 www.paysanbreton.co.uk

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WATERSIDE BISTRO RECIPES TO TRY AT HOME

RASPBERRY & ALMOND FRANGIPANE

with clotted cream and a few more fresh raspberries

Find more recipes at
watersidebistro.com

Ingredients What To Do
Makes 6-8 individual Beat the almonds, butter, sugar and egg together well until pale
For the frangipane and light in texture.
125g ground almonds Pipe the mixture into oiled silicone moulds.
125g butter Place 2 raspberries and a few flaked almonds on top of each.
125g caster sugar Bake at 160c for 25-30 minutes until golden.
2 large eggs Serve warm with clotted cream and a few more fresh raspberries.

To finish If you don’t have a silicone mould you could try cooking them in
12 fresh raspberries mu n cases.’
30g flaked almonds
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16

DELICIOUS AND RELAXED 17
ALFRESCO DINING BY THE RIVER

Join us from 10am for morning co ee and
all day for al fresco dining and drinks.

Book online on our website don’t forget to bring
your loyalty card.

01803 864069
watersidebistro.com

The Plains, Totnes, TQ9 5YS

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Rated ‘Excellent’ on Trustpilot

organic, vegan, gluten free & more

your weekly shop DELIVERED TO YOUR DOOR

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delivers carefully selected food, drink, household products, gifts & hampers

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Use coupon code: TOTNESDM

100% Electric Zero Emissions Delivery

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Weaxnenciotaurenedcevte.or.y. Herbs & spices

. . . still the same exciting range On tap oils & vinegars
of loose freshly-frozen fruits,
vegetables and ready-meals Cheeses & cured meats

plus Loose leaf teas & locally
roasted coffee beans
a wide range of wholefoods,
personal care and household Hair and body care refills
products all under one roof!
On tap local honey
Find us: Call:The Plains, Totnes TQ9 5DR 07950
(the old Nature’s Way Shop) 269955 Mouthwatering desserts
therefillerytotnes.com & puddings

Frozen fish & locally made
delicious fishcakes

Large selection of frozen
fruit & smoothie mixes

Freezers full of vegetables,
pastries & Devon ice cream

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KEVICC Community News SuSmummmereFreFsetsivtiavlal

The National Theatre#The#STchheoSoclhFooorlTFootrnTeostnes

Our ROeuvrivRaelvFiveasltiFveasltiinvaJluineJuwnaes wa apshaenpohmeneonmalesnuaclcseuscsc. Hesigs.hH;ligh;tlsigwhetsrewReoreomRoom
20, L2e0o,nLaerodn&arTdh&e ZTohme Zboiems,bAiersu,nA’sruLne’tsiLt eBteitaBnde aSnondnSyo’nsnJyef’sf BJeufcfkBleuyckcloevyecrso.vers.
Your team were an absolute dream to work with, and
everyone from our side of things spoke so highly of
them! You’ve got a real group of professionals on your
hands, and they are so welcome back here anytime! So
thank you again for making our jobs so easy!
Scarlett Learning Co-Ordinator, Theatre Royal
Plymouth
The characterisation and political punch behind your
production of Lisa Goldman’s play were clear, engaging
and powerful.

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Match your @shutterstock
garden’s colours
to your personality Mysterious

By Hannah Stephenson You lean towards deep reds and
aubergines, metallics and splashes of
Have you ever thought about what your vibrant purple. Good plantings for you might
favourite garden colours say about your include the rich blue perennial Delphinium 'Blue
personality? Some 80% of people admit Nile' with the lantern tree (Crinodendron
their moods are positively affected when hookerianum), an evergreen shrub which has
surrounded by colourful plants. Yet more dark, glossy green leaves and red flowers
than a fifth wished they could be braver hanging from its branches. The blues of viola
and have the confidence to experiment and larkspur would also suit your colour palette,
with colour. Most people think colour is along with the silver-grey foliage of mugwort
important in the garden, yet 76% of (Artemisia 'Powys Castle') and the reddish
people don't think about the way in which purple hues of the smoke bush (Cotinus
colours can work together or about the 'Grace').
colours they are planting, research found.
Sultry
Find out which personality you are...
Your favourite colour is black but you also
Romantic like subtle, soft shades of charcoal and
stony taupes. There will be statement colours
You love life and see the good in such as red to add pizzazz to your planting
everything. Swaying towards pinks and schemes. Good choices for you include lilyturf
pastels, creams and ivories. Your palette (Ophiopogon planiscapus 'Nigrescens'), known
might include the shrub Fuchsia 'Tom Thumb', for its grass-like black leaves in the summer,
which flowers throughout the summer in a lilac flowers and black fruits, providing stunning
sunny border and looks good surrounded by colour contrast with the annual Scotch marigold
pink roses or poet's jasmine (Jasmine (calendula), with its dark orange, daisy-like
officinale). Other choices for the romantic could flowers, which needs full sun to be at its best.
include Magnolia grandiflora 'Exmouth', an A Japanese maple (Acer palmatum) such as
impressive cream-flowered shrub, 'Bloodgood' may also feature in the sultry
underplanted with bluebells. personality's garden scheme, with its deep red
leaves which turn a brilliant red in the autumn.
Vivacious Don't plant it in direct sunlight as the leaves
burn easily.
You are confident and bubbly. You like bold
colours including azure, tangerine, coral
and cobalt blue. Suitable plantings would be
French marigold (Tagetes 'Safari Tangerine')
with zebra grass or plantain lily, and Grace
Ward (Lithodora diffusa), an evergreen which
produces masses of bright blue flowers in
summer and is perfect cascading over walls,
planted near Anemone hupehensis 'September
Charm', which produces soft pink flowers in
late summer, and sea holly with its blue hues.

22 Advertise from just £20 per month* | Call 07875 538 848

Garden landscape
specialists in
Devon and Cornwall

Including

• Stone Walling Full

• Retaining Walls Insurance

• Groundworks Competitive
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• Patios & Paths

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• Fencing & Decking etc.

Gatcombe Mill, Littlehempston, Totnes TQ9 6LW Family Business
01803 864871 [email protected] Since 1976

Company No.3942610

www.afbrown-sons.co.uk

Please mention Totnes Directory when responding to adverts 23

Best of the bunch... @shutterstock 

Echinacea  Transplant seedlings of
wallflowers and digitalis,
These stately plants, also known as planting them in
coneflowers, with stiff, branching
stems topped with large daisy-like shallow drills 30cm (12in)
flowers which form a flat circle apart in a bed which has
around the prominent central cone, been dressed with
make a really eye-catching statement
in the border. general fertiliser.
Their height, up to around 1.5m (5ft) makes them effective at the
back of the border, but they're also great for cutting, so you can  As blackcurrants finish
have a better look at that impressive flower. Echinacea, which fruiting, cut back the oldest
flower between July and September, do best in the sun in moist stems to the
but well-drained fertile soils, although some varieties will do well in
drier areas. They attract bees and butterflies and are at home base to encourage
alongside monarda and globe thistle, while some varieties can be younger shoots to develop
combined well with fuchsias and blue salvias. White varieties such and help keep the bush
as 'White Swan', make good planting companions against tall, vigorous.
slender blue plants.
 Prune espalier and
Good enough to eat… cordon-grown apple and
pear trees.
Parsley
 Plant summer varieties
The frilly kind may have gone out of of strawberries to crop
fashion but flat-leaved parsley is widely next year.
served as an addition or garnish because it has
more flavour than its more ornate relative and it is  Start off the first spring
really easy to grow in fairly rich soil. cabbages.
Sow seeds between March and June where you want it to crop or
in small pots which can be planted out later and thinned out when  Hand weed heather beds
the seedlings are large enough. Water the plants regularly and and replace mulch if
give them a liquid feed every few weeks, removing yellowing necessary.
leaves and replacing the plants when they run to seed.
If you're growing parsley on your windowsill, sow new seeds every  Collect fallen, diseased
three months and you should have parsley all year round as it'll leaves from beneath trees,
continue growing throughout the winter months. shrubs and
Parsley is usually treated as an annual, although it will come up
again in the second year but it won't do as well and tends to run climbers, to prevent the
to seed early. build-up of disease.

Three ways to... 2. If your soil is light and sandy,  Finish summer-pruning
install an automatic watering wisterias.
Improve results with system to reduce the incidence
climbing roses of fungal disease.  If the compost in a
container dries out, stand
1. When tying in branches, 3. Mulch twice yearly in spring the pot in water for
bend them down horizontally to and autumn and leave the
help produce more flowers and pruning of repeat-flowering an hour or two.
keep the plant in its allotted climbers to spring.
space.  Dispose of annuals past
their best, confining them
to the compost heap.

 Order bulbs from
catalogues.

 Prepare the ground for
new lawns if you intend to
lay or sow a new

lawn this autumn.

24 Advertise from just £20 per month* | Call 07875 538 848

Garden Centre Free Local

Open Daily 10am-4pm Delivery

Shrubs & Exotics for orders over £20

Call or shop online

using code ‘LOCAL’

Cafe & Soft Play 25

Visit and shop online longcombecross.co.uk

Find us Longcombe Cross, Totnes Road, Totnes TQ9 6PL Call us 01803 863098 Follow us

Please mention Totnes Directory when responding to adverts

IMPROVEMENTS TO
THE TOWN’S
COMMUNITY GARDEN

Leechwell Garden is a beautiful green space in the heart of Totnes where the
waters from the ancient Leechwell flow, where people meet and children can play.

At the beginning of July, Carpenter Oak installed the
new table and benches which they have generously
donated to Leechwell Garden (see photo). Their
unique design and detailed craftsmanship make this
a very special addition to the Garden. And the wood
from the old table will be repurposed.

Future improvements planned by the LGA include New table and benches (Photo: Paul Church/Lu Overy)
more seating and wildlife habitats such as a bug
house (see below), which will be sited near the felled What’s in the garden in August?
lime tree, which was cut down after a storm last
autumn. We will need your help in completing an • Butterflies on knapweed and sedum;
online questionnaire to raise funding for this project. earwigs and wasps.
Details will be posted on our Facebook page where
you can also find a donate button. • Japanese anemone, persicaria,
rudbeckia, crocosmia, myrtle.
Sue Holmes,
Chair of Leechwell Garden Association • Totnes Festival events: totnesfestival.co.uk

Example of a bug house (Photo: Sue Holmes) Ways you can help us:

www.leechwellgarden.org.uk • Join our volunteer gardeners between 10.00am
[email protected] -12.00pm on Thursdays. Tools are provided.

@leechwellgarden • Make a donation in the box by the main gate or via
Facebook and Instagram.

• Make a contribution for plants from our plant table.

26 Advertise from just £20 per month* | Call 07875 538 848

Church’s Ironmongers

Church’s is at the heart of Ashburton offering a wide range of tools
& ironmongery, kitchen & homewares, garden gear, camping
and picnicking essentials, camping gas & lots more besides.

OPEN: Tuesday – Saturday 9:00am to 3:30pm

4 North Street • Ashburton TQ13 7QD • Tel: 01364 652292

Please mention Totnes Directory when responding to adverts 27

Transition When: August 19th, 3-6pm (approx.)
Tours are
back! Where: Market Square on Totnes High Street,
between the tree and the ramp to the Civic Hall.
Transition Tours are back this Summer. We begin with introductions and then we will walk
We ran the first one of the year on July 22nd. around town, stopping at projects and places of
The next one will be led by our coordinator interest.
Guy Erlacher-Downing on August 19th.
To register your interest please email Access: Please advise in advance of any
[email protected] mobility issues so we can make arrangements
as necessary. Please note, the tour does involve
Join us for a fun and interactive introduction plenty of time walking around town.
to the Transition movement. This tour will visit
some of the environmental, social and economic Cost: There is a suggested voluntary donation
projects associated and partnered with Transition and all surplus, after expenses, goes towards
Town Totnes, to give you an insight into how the work of Transition Town Totnes, a registered
communities can work together to tackle some of charity. We suggest £20 for visitors and £10 for
our biggest challenges, from climate change and locals, but please pay what you can or what you
food security, to energy shortages and creating think it is worth - it’s up to you. The most important
strong local economies. thing is that you come.

Contact: To book a place please email us on
[email protected]

Active Hope at Engaging activities for families provided the ideal
Totnes Climate warm-up to a line-up of inspirational speakers
Hub launch in the afternoon. The celebrations continued
with a meal served by Food in the Community
Totnes Climate Hub moved into its new space and music from the Holly Ebony Band and Skin
on Totnes high street, at the front of The Mountain Collective, entertaining the crowd well
Mansion on Fore Street, last month. into the warm summer night.

To celebrate, a launch event took place at the Civic Guy Erlacher-Downing, coordinator at Transition
Hall on June 25th with a packed programme of Town Totnes, says;
events. It introduced the community to many local
organisations and projects that are focussed on “It was wonderful to see so many people at
sustainability, regenerative and caring projects in the launch of the Totnes Climate Hub, which
and around Totnes. was a bountiful success of excitement and
inspiration. A reminder of how important this
space is and will be for our community.

28 Advertise from just £20 per month* | Call 07875 538 848

The collective genius of Totnes is visible right Lewis and Nicola Lang from Transition Homes,
now, and in times of so much uncertainty and Chantelle Norton from Food In Community and
pressure, it couldn’t come at a better time.” Mark Jefferys from Share Shed, who also
performed a couple of brilliant songs inspired by
Throughout the course of the day, the event the Share Shed project.
attracted approximately 350 people. The crowd
listened intently to Tom Rivett-Carnac (pictured Plus, Rob Hopkins, co-founder of Transition
above), an author and podcaster focused on Town Totnes and the international Transition
international climate change response, who spoke Network, addressed the audience to ask how we
about how we can navigate the climate crisis. can imagine a future, helping us to explore the
amazing, positive and regenerative future that we
Emily Reed from Devon Climate Emergency might choose to move towards locally.
Partnership spoke about how Devon is responding
to our challenges at the local authority level. The Visit the hub to find out about all the great things
final Devon Carbon Plan, is due for completion that local groups are already doing; learn helpful
this month, which addresses the key concerns skills or develop existing ones with advice and
raised by the public for ensuring Devon will reach support. It will also be a place for people to share
net-zero emissions. thoughts and feelings, genius ideas, workshops,
meetings and more.
A Blizzard of Stories was a celebration of incredibly
inspiring local people and projects. Among them For the most up to date information
was Paul Bradbury of Incredible Edible Totnes, about events and opening times visit
Ruth Leonard-Williams from Transition Streets, totnesclimatehub.info/events
Saif Ali of Integr8, Bob Mehew from The Apricot
Centre, Ez Yaron from Project Pondfields, Erica VOLUNTEERS NEEDED
If you’re concerned about the climate
emergency and would like to support our
community to make positive changes, you
can volunteer with Totnes Climate Hub.
The team are looking for more volunteers
to help out. Find out more about
volunteering and join the team or email us
at [email protected]

Please mention Totnes Directory when responding to adverts Transition Town Totnes.
Registered charity: 1138865

Dartington Room, The Mansion,
36A Fore St, Totnes, Devon, TQ9 5HN

01803 867358
www.transitiontowntotnes.org

29

30 Advertise from just £20 per month* | Call 07875 538 848

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Book an appointment with Carrie we can make those impossible dreams come true,
07595 323090
not just for now but also the years to come.
Located at Bliss Hair Studio, 35 Fore Street,
ToTtTontoenstens0e10s810803013886805638588888685888 [email protected]
www.lisamann.co.uk lisa mann beauty
1 The Retreat, Marine Drive, Paignton, TQ3 2NS

07581 047822

4A Warlands, Totnes

01803 862141

Opposite Victoria Street Carpark

Open Tuesday to Saturday
with late night Wednesday

Styling
Colouring
Perming
Weddings
Vouchers available

email: [email protected] or
join our Smittys Hair Salon page on Facebook!

Wednesday is senior citizen discount day!

Please mention Totnes Directory when responding to adverts 31

IMPLANT DENTISTRY

32 Advertise from just £20 per month* | Call 07875 538 848

Kung FuFengShou‘HandoftheWind’
& Ladies
Self-Defence

Self-defence
Evasions
Strikes
Kicks
Ward-offs
Locks &

Breakouts
Adhering Hands
Kung Fu Forms
and so much more
Mondays, Tuesdays,
Wednesdays &
Thursdays
6-7pm
Cost £7/£6/£5
All Classes at Follaton
Community Centre, Totnes

www.inner-depth.com
www.facebook.com/InnerDepth

t: (01803) 431847/07985 350214

Please mention Totnes Directory when responding to adverts 33

AUGUST WALK

THE SHEEPFOLD AND An OS Map of
STANNON VALLEY – 4 miles Dartmoor is
essential to be able
to follow this walk

August is a good time to wander into visitors. In the summer, as many as 30 buses will
the high moor to enjoy the blazing pass through its car park. But don’t worry, their
purple of the heather as it comes into passengers will not make it up the East Dart valley!
flower. This walk is an easy half-day Having parked by the Visitor Centre (there is a
stroll up the East Dart valley and then charge), walk over the East Dart and turn left
back down the Stannon valley with up the footpath. The ground here was where
magnificent views all around. Markham’s Show set up each year in the early
20th century, with its swing boats, coconut shies
The walk starts at Postbridge, one of Dartmoor’s etc. The ground was however too uneven for the
prime “honeypots”, always full of visitors in the roundabouts. The path runs parallel to the river
summer. But it doesn’t take long at all to get alongside a marshy meadow, then goes left and
away from the crowds. The village of Postbridge continues along the river bank. To your right are
is a modern settlement by Dartmoor standards the lovely gardens of Hartyland. These enclosures
(and thought to be the inspiration for the village of used to be the ancient tenement of Hartland with
Grimpen in The Hound of the Baskervilles). The a fine medieval longhouse that was knocked down
impressive clapper bridge for which it is famous and replaced with a modern house at the start of
was built in the late medieval period when tin the last century. As you emerge onto the open
miners, packhorse trails and monks travelling moor and continue walking up the East Dart valley,
between monasteries on different sides of the you’ll see a large round enclosure on the other
moor all needed to get across the East Dart. The side of the river. This is Roundy Park, a prehistoric
ford was fine if it hadn’t rained much, but if the settlement. Just outside the walls are the remains
river was in spate, travellers had to sit and wait of one of the largest kistvaens (granite burial
until the water level dropped sufficiently for them chamber from the Bronze Age) on Dartmoor.
to make it across, which could take several days. Keep walking northwards up the valley, and after
As commerce developed, it became apparent you’ve crossed two boundary walls look for a
that a bridge would prevent these kinds of delays, path that heads off to the right over the top of
and so the clapper came into being. Then in 1790 the hill. You’ll see as you walk along it that you’re
the turnpike road and new bridge were built, and heading for a most extraordinary structure
the settlement of Postbridge began to develop. known as The Sheepfold. Its massive walls (50m
A toll-house with accompanying residence was long, 30m wide and 2.2m high)are an impressive
built, as was an inn. Then came a church, used sight. Dartmoor historian Eric Hemery describes
also as a school, and the inn became a shop and it thus: ‘An astonishing display of manual labour
post office, and so the village was born. Because is revealed in the courtyard walls, which consist
of the clapper bridge and its position on the only of carefully laid courses of stones with frames, or
trans-Dartmoor road that is wide enough all the ‘panels’ formed by granite posts, of menhir size,
way to take buses (previously stagecoaches), it set vertically at intervals of eight to nine feet...’
has always been a prime stopping off point for

34 Advertise from just £20 per month* | Call 07875 538 848

Stannon ponies

Sheepfold

It is said the Sheepfold was originally built as a Having explored the Sheepfold, follow the wall that
starch factory. The plan was to bring potatoes runs southeastwards towards Stannon Brook.
grown near Moretonhampstead and convert them After crossing a wall running at right angles to this
to starch. It never worked out and later it was wall, the route heads down to cross the brook.
used by a Scotsman to keep his sheep in. Around To your left is the track to Stannon Cottage,
the 1820s, there was a fire in the small habitation built it is thought to house the would-be starch
at one end, in which a child died. After that the manufacturers. There’s no other reason to live in
place was abandoned except for tales of a small this remote spot, other than the natural beauty.
girl who haunts the ruins of the “cott”. In the 70s, one of the Rolling Stones had it as a
holiday retreat and abandoned it abruptly when
Sheepfold the band encountered UK tax issues.
Follow the track southwards down the lovely
Stannon valley as far as Higher Meripit Farm. Turn
right here and the track takes you back across the
brook to rejoin the path you started on just above
Postbridge.

Dartmoor Walks This Way offers regular

guided walks on Wednesdays and Sundays
as well as leading bespoke walks on request.
www.dartmoorwalksthisway.co.uk

Please mention Totnes Directory when responding to adverts 35

Organ Donation Saves Lives

Everyone has a choice as to whether or not they want patients were added to the lists. There are now over
to become an organ donor after they die, and if you double the 2018 number waiting for liver transplant,
choose to donate, you can choose to donate either including my daughter Sarah.
some or all of your organs.
Sarah, 29, has battled the fatal chest symptoms of cystic
By registering to become an organ donor you have fibrosis all her life until late 2020, when a new drug
the option to donate organs such as your heart, lungs, proved almost curative. Tragically, a few months later
liver, kidneys, pancreas and small bowel. All of these her liver disease became so serious she was placed
forms of donation can greatly enhance or even save on the transplant list. Sarah’s life of suffering could be
the life of someone in need. transformed with a new liver, but 10 stressful months
later she is still waiting and deteriorating. Her hopes
Before you decide please consider the following: faded further when she heard that a 22 year old with CF
liver disease died on the transplant list last week.
1. Whatever you decide, please talk to your loved ones.
They will always be consulted, and can overturn The law changed to an opt-out system in 2020. Despite
your decision if they aren’t sure what you want. this, the NHS acknowledges the need for people to
join the Organ Donor Register and, importantly, talk
2. Organ donation in some parts of the UK has to their families, because if they are not certain of their
changed. loved ones wishes, a huge proportion deny consent
and the precious organs are lost.
3. To donate only some organs, register a decision
and record your preferences. The UK lags behind and is 10th amongst EU countries.
Although most of the UK public agree with organ
4. Withdrawing your name from the NHS Organ Donor donation, it requires greater exposure to become
Register is not the same as recording a decision the norm. Thus, we urgently ask families to have this
not to donate. important conversation and ideally sign the Organ
Donor Register - because organ donation will never
Further information can be found at www.organ go ahead without relatives’ permission.
donation.nhs.uk/helping-you-to-decide along wide
real life case stores of the truly life changing impact Anyone can need a lifesaving transplant. It is a
organ donation has on people living in this country. miraculous treatment, returning terminally ill patients to
normal lives. Like insurance, we all need to pay in for
One such story currently being lived by a local resident the system to pay out when we need a transplant. We
is told below by her mother, wisth her permission. This are one of so many families living in fear that the call
shows the importance of registering a preference if will not come in time.”
you are happy to donate.

“Post pandemic, there are now over 6,300 critically ill
people waiting on UK organ transplant lists. Last year
1,167 children and adults died, either on the list, or
having been removed as they were too ill to survive
the operation. The number of deaths is likely to rise
because centres closed during covid while more

www.organdonation.nhs.uk/register-your-decision/

36 Advertise from just £20 per month* | Call 07875 538 848

Where confidence takes shape

Permanent Fat Loss
Where conFfaidt eFnreceezitnagkes shape

VagPeinrmaal nReenjtuFvaet nLoastsion
FFaetmFrie-eczuinrge

NVoang-iSnualrgReicjuavleFnaatcieonlift
PlasmFeampi-ecnure· HIFU
NSokni-nSuPlTarsmgigaipcehna· tlHeIFFUnacinelgift
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Instant Inch LossRadio Frequency · HIFU · Laser Lipo
InsCatvaitantiotnI·nLcahser LLioposs
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HHyyaalluurroonnPPeen n

MuMsucslecleBBuuiillddiinngg&&ToTnoinnging

SSuuppeerr SSccuulplpt t

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Before After

Before After

Before After Before After

Before After Before After

Please mention Totnes Directory when responding to adverts 37

HSE & OFSTED Compliant
Local Ambulance Crew Trainer

Workplace & Paediatric First Aid
First Aid for Mental Health
Fire Safety

In-House Courses
Monthly Public Courses in Totnes
www.certifi.co.uk • [email protected]

01803 446002

We can help with: FLORENCE DIAZ
Lic Ac BSc (Hons) MBAcC
• Companionship acupuncture
• Escort to appointments
• Cleaning and tidying Headaches and migraines
Fertility and pregnancy
• Laundry and ironing
• Shopping errands Digestive health / Chronic pain
• Meal preparation Women’s health / Sleep issues
• Parents’ help
I practice from the Chapel House Studios, Totnes
and so much more!
[email protected]
Call us now 01803 266246
07903 121 542
www.extra-help.co.uk
Advertise from just £20 per month* | Call 07875 538 848
38

WE HAVE MOVED!

THE NARR TOTNES
CASTLE
SOUTH ST HIGH ST
OWS CASTLE ST

Find us at:
8 High Street,
Totnes, TQ9 5NN

Complete Foot Care: Rosanne Hunt BSc (Hons) MRCPod
• Removal of corns and hard skin Alexandra Snape BSc (Hons) MRCPod
• Nail cutting and ingrowing toenails Harriet Bragg BSc (Hons) MRCPod
• Fungal nail treatments (instant Peter McLernon BSc (Hons) MRCPod

testing for fungal toenails available)
• Diabetic foot care

Nail Surgery:
• Ingrowing toenails
• Local anaesthesia

Biomechanical / Musculoskeletal Tailored Exercise Programmes
Assessment: Including 3D gait analysis. Improve muscle strength and stability.
This assessment would be ideal if you’re
suffering with heel, foot or ankle pain or Toenail Reconstruction
have had an injury to your lower limb. Wilde Pedique cosmetic gel treatment.

Custom Made Foot Orthotic Devices / Lower Limb Circulation Assessment (ABPI)
Insoles: Help correct and prevent foot and A detailed assessment of your circulation in
ankle pain, stabilise joints in your feet to to your lower limbs and feet with a written
reduce risk of injury and improve mobility. report sent to your GP.

Shockwave Therapy: (FDA approved) Used Verruca Treatment
to treat Heel pain, Achilles tendonopathy, shin Including the latest technology using Swift
splints, acute arthritis and chronic injuries. microwave therapy.

Foot Mobilisation: Involves specific www.footworks-podiatry.co.uk
movement of the joints within the feet
to improve and restore foot, leg and Call: 01803 868888
ankle function.

Please mention Totnes Directory when responding to adverts 39

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the 2022 Totnes Town Council Community Grants.

Applications open on Thursday 1 September and close at 5pm on Friday 30 September.
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Keep in touch. This update gives you quicbkufdlagveotuwr aosf soormigeinoafllythaegdreifefedr.ent ways Totnes

Town Council is working to support the local community and to make our town a better
Kpelaecpeintotolivuecha.nTdhwisorukp. date gives you quick flavour of some of the different ways Totnes
Town Council is working to support the local community and to make our town a better
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1.

Money Matters

PENSION CREDIT

The one thing everyone aged
OVER 66 needs to know

By Martin Lewis @martinlewis

It is a national tragedy that getting Q. Can I get it if I’m a homeowner / claim
on for a million pensioners, many other benefits / live with grown-up family?
of whom have been paying into the Yes.
system for years, are missing out on Q. What counts as ‘total income’?
a critical boost to their income. It’s Income from work, pension, state pension, some
called pension credit, and this year it benefits, and savings/investments over £10,000
also means you get an extra £650 to (this is counted as £1 a week in income per £500
help with energy bills. of savings above £10,000 – if only).
So as we’re slap-bang in the middle of a
cost of living crisis, it’s crucial we spread Now the nitty gritty –
the word as quickly as possible, as this
payment is worth on average £3,300 a year, what is pension credit?
and it may stave off physical and mental
health risks in what I suspect will be a You could just stop with the info above, but if you
dangerously expensive coming winter. want to know more, read on...
A 10-second summary (spread word)… Pension credit’s a naff name for what’s simply
an income ‘top-up’ payment. Technically it’s
My simple rule of thumb is... if you are of state a means-tested benefit to help those without
pension age (so currently 66 or older) and have enough to live off, with two parts:
total weekly income under roughly £200, then get • Guarantee credit: This tops your income up
online at www.gov.uk/pensioncredit or call the to at least £182.60 a week for single people or
pension credit helpline on 0800 99 1234 (or 0808 £278.70 a week for cohabiting or married couples
100 6165 in Northern Ireland) to see if you’re due. of state pension age. The average top-up is £65 a
I’m not saying everyone in this position is entitled week, so that’s £3,300 a year.
to pension credit, but many are, so this is the The reason I say check if you’ve income under
point at which it’s worth spending five minutes to £200 is first as you may get more if you’ve got
check. The worst that can happen is they say no. extra ‘responsibilities’, such as a severe disability,
So don’t stall, just call (actually, try the website you’re a carer or look after an under 20-year-old,
first if you’re more comfortable with that, but I and second because of…
couldn’t think of a rhyme for going online). • Savings credit: If you hit state pension age
before April 2016 (so you’re roughly aged 71+),
you may be due a top-up if you have savings,

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Pension credit
has a
superpower...
it’s a gateway
entitlement
triggering many
other boons

even if you’re not due guarantee credit – the aim • Free TV licence for over-75s – worth £159.
was to stop those who’d put something aside for Those over-75s on pension credit can claim a free
their future being disadvantaged. one for their household.
I’m going to explain how it works, but it is really • Council tax reduction – potentially worth
complex, so if that scares you don’t read the next £1,000s a year. Depending on your local
paragraph, just call and check if you’re due. authority’s rules, this may cover your entire
Here goes... if some of your current income is council tax bill.
from savings (it’s counted as £1 a week income • Help with heating and energy costs – worth
per £500 of savings above £10,000) and that £100s. Pension credit entitles you to the warm
takes you above £158 a week in income (£252 home discount, which is a £150 credit on your
for a couple), then you get 60p extra paid per £1 energy bill, normally given by the end of March.
of income up to a maximum of £14.50 a week. You could also get extra payments in weeks where
Simple, eh! there is very cold weather.
If you’re entitled to the guarantee credit element, • Housing benefit for renters – potentially
this also entitles you to a host of other state worth £1,000s a year. It isn’t a fixed amount, but
protections. Here are just some of them: you could get £100s a month, and even have your
• URGENT: One-off £650 lump sum to help rent paid in full.
with energy bill rises (£325 paid in July, £325 • FREE dental and optical care. You’re entitled to
autumn). The Chancellor announced this cash free NHS dental care and vouchers for glasses or
in May. And while for those on other benefits, you contact lenses.
needed to be claiming them at the time to be due
the first payment, for pension credit, provided Martin Lewis is the Founder and Chair of
you claim by 24 August 2022 it’ll be due (as long MoneySavingExpert.com. To join the 8.5 million people
as you were state pension age in May), so that’s a who get his free Money Tips weekly email, go to
major boon. www.moneysavingexpert.com/latesttip

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PENSIONS ARE NOT THE ONLY ANSWER

NICK DREW Independent Financial Adviser

Pensions are the default option for saving towards retirement and investments to run alongside your pension.
can be a very astute way to make the most of your money. However
they may not be the only way you need to prepare for your future Making regular payments into an ISA might be the solution for
financial security. many people. You will not enjoy the same tax efficiency as with
pension savings. Contributions to your ISA will have to be made
Why pensions have their limits from your income that has already had tax deducted.
Pensions are excellent long-term savings vehicles, but there are two
potential problems if they are your only investment. However once that money is inside your ISA it may offer the
Firstly, the maximum you can contribute each year is currently potential to grow faster than investments outside an ISA because
£40,000, or your entire income, whichever is the smaller. Also, you it can do so tax free. When you come to take money out of the ISA,
will usually pay tax if your pension pots exceed the Lifetime under current legislation you will have no tax to pay on any growth
Allowance, the maximum currently £1,073,100. While this seems a and income from an ISA investment is currently also tax free.
high figure, 40 years of contributions and some successful
investment growth can easily reach it. What’s more, with an ISA and unlike a pension, there is no
restriction on when you can access your cash.
You could find yourself in the position of being
unable to contribute as much as you want into What should you do?
your pension, without running into tax penalties.
Whether or not you should be making ISA or other investments
The second problem is that your pension pot will be locked away alongside your pension will depend on your personal
until you reach 55. The proposed rise in state pension age is likely circumstances and your plans. If you are likely to go over the
to mean a similar rise in the date you can access your private annual and lifetime limits on your pension, or if you have plans to
pension. access your wealth before you reach retirement age, you may
want to consider it.
With some think tanks proposing changing the
state pension age to 70 by 2028 and to 75 by Making the decisions that are right for you will be a great deal
2035, your private pension could be locked away easier if you have an expert to help you take a clear look at your
for longer than you might wish. finances.

At Continuum we have the expertise in pensions and investments
you need. Simply call us to get it working for you.

Should you be investing outside your pension?

With their tax advantages, pensions should be the foundation for
most people’s retirement planning. But, if you are in danger of
going over the lifetime allowance or want to be able to access funds
before state retirement age, you might want to consider long term

The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation
to suitable retirement or investment strategy, you should seek independent financial advice before embarking on any course of action. The
value of investments can fall as well as rise and you may get back less than you invested. The Financial Conduct Authority does not regulate
taxation advice. A pension is a long term investment. The fund value may fluctuate and can go down, which would have an impact on the
level of pension benefits available. Pension income could also be affected by interest rates at the time benefits are taken. The tax treatment
of pensions in general and tax implications of pension withdrawals will be based on individual circumstances, tax legislation and regulation,
which are subject to change in the future. Accessing pension benefits early may impact on levels of retirement income and your entitlement
to certain means tested benefits. Accessing pension benefits is not suitable for everyone. You should seek advice to understand your
options at retirement.

MORTGAGES LIFE INSURANCE SAVINGS INVESTMENTS PENSIONS ESTATE PLANNING

FOR A FREE INITIAL CONSULTATION CONTACT

NICK DREW Independent Financial Adviser:

T: 0797 4072 605 E: [email protected]
2 Bridge Farm Offices, Harberton, Totnes, TQ9 7PP
www.mycontinuum.co.uk

Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: [email protected] www.mycontinuum.co.uk
Continuum (Financial) Services LLP is a Limited Liability Partnership. Company registration number OC393363. Registered in England & Wales.
Registered address: As above. Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is
authorised and regulated by the Financial Conduct Authority

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www.darnells.co.uk
[email protected]

We provide the full range of accountancy and business services.

If you’re looking for a fresh eye and clear practical advice,
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Call us today for a free Accounts & Auditing
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You know where you need to be, we can get you there.

We’re ready when you are:

01803 403403 boycehatton.co.uk

FOR BUSINESS AND PERSONAL LAW 47
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Jason Mountjoyʼs - Independent financial guidance

Your purchase of units

Understanding that market cycles are a necessary Sales of units for financial independence are
component of both the financial markets and our market declines.
individual investment journeys is essential for being
a prudent investor. History has taught us that the Within this framework, a market downturn offers you
best indicator of whether an investor will experience the unusual chance to purchase more units for each
life-changing long-term gains is their capacity to act Pound you invest.
rationally under pressure from both fear and greed.
Should you be delighted or unhappy if the thing on
The prudent investor can distinguish themselves from which your future financial independence depends
speculators, whose lifetime earnings are likely to be is on sale? Would you increase your purchases or
destroyed by bad decision-making during important reduce them until the price rises once more? Mindset
periods, in particular by being able to maintain the is crucial if you’re investing for a lifetime.
proper mindset throughout transitory market drops.

The False Perspective on Market Declines Embrace each cycle
Putting your attention on short-term market History has taught us that markets tend to rise rather
fluctuations is the surest way to make bad investment than fall. This eases the investment process and
choices. What we forget in uncertain times is that enables you to reserve your emotional stamina for the
our progress toward financial independence is not few periods of decline.
reflected in the value of our portfolio (or that of an
index mentioned in the press) on any given day. You can choose to see the good in every cycle.
A market downturn is an opportunity to acquire
The first step on the path to worrying about more properties more quickly. Your path toward
innumerable variables that are out of your control independence is accelerated by a growing market
is obsessing over one number. This is not a recipe since your units become more valuable.
for profitable investing. We think there is a better
approach. Both ends of the cycle are appreciated by
experienced investors. Additionally, they have a
You’re Swopping Money for Financial respect for market history and a confident belief
Independence Units that those who are patient and disciplined will be
A different strategy that has a higher chance of rewarded by the capital markets.
success (and a more sensible investing experience)
is to value your portfolio according to the number of Are you mature enough to see the markets in this
fund units you have. This quantity appears on your manner and “just keep buying”?
statement and is not subject to arbitrary changes in
the market from one day to the next.

Jason Mountjoy DipFA / Independent Financial Adviser (Diploma) & Life Planner
Based at Waterside House, The Plains Totnes TQ9 5DW / [email protected]

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For a free,
no obligation consultation,

contact Melanie now.

2 Bridge Farm Offices
Harberton, Totnes, Devon TQ9 7PP

Get in touch
01803 867655 / 07973 837556
[email protected]

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