the 50+ show magazine, london olympia, 12-14 july 2012

50+ Show Magazine

Your prize-winning stories - page 30

Climb to new heights - page 52

How to make the most of your money - page 46

The 50+ Awards - page 62

Programme

Show plan

Exhibitors

Gardening

Hobbies

Finance

Puzzles

Health

Travel

Competitions

and more!

London Olympia 12-14 July 2012

£3Where sold

Name that fl ower - and you may win a prize!

Th

e 50

+ S

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Is there something BIGyou’re ignoring?Retirement planning perhaps?

Look out for our elephant. You can’t ignoreit and you could win a safari trip for 2!

RETS10334_06_12_RETS10334_06_12 21/06/2012 16:19

The 50+ ShowShow Guide Magazineis published by PRo Publications International LtdFirst Floor Adelphi Court1 East StreetEpsom, Surrey, KT17 1BB

Tel 01372 743837Fax 01372 743838

Robert McCaffrey Editor, show director [email protected]

Reina Layug Deputy editor Programme coordinator [email protected]

Claire Humphries Deputy editor Show organiser [email protected]

Sales executive: David Thomson [email protected]

Margaret Masson Administration [email protected]

Paul Brown Commercial director [email protected]

Assistants: Sonal Patel Saija Nakari

Contents

The 50+ Show Magazine 3 July 2012

Welcome to The 50+ Show Magazine and Show Guide for The 50+ Show in London 2012. Despite the current recession (‘The Great Recession’

as they are calling it), this year’s 50+ Show is the largest it has ever been, with more than 150 exhibitors - it will be a real challenge to visit them all!

The 50+ Show takes place three times each year, in Manchester in March, in London in July and in Glasgow in November.

In this magazine you’ll fi nd the winners of our photography, true life story and fi ction competitions as well as features on fi nance, fashion and more. If you’d like to try to identify our cover fl ower and be in with a chance to win £25 in M&S vouchers (or try your observational skills in our Jubi-lee crown-hunting challenge), please fi ll out our on-line ques-tionnaire and include your answers - the address is below.

On behalf of the whole organising team, we hope that you enjoy both this 50+ Show Magazine and The 50+ Show itself!

50+ Show Magazine

Your prize-winning stories - page 30

Climb to new heights - page 52

How to make the most of your money - page 46

The 50+ Awards - page 62

Programme

Show plan

Exhibitors

Gardening

Hobbies

Finance

Puzzles

Health

Travel

Competitions

and more!

London Olympia 12-14 July 2012

£3Where sold

Name that flower - and you may win a prize!

T

he

50+

Sh

ow M

agaz

ine

July

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4,5 50+ Show fl oor plan and A-Z Where to fi nd the exhibitor you are after!8 Show programme and information Full details on what’s happening at the show.20 Featured exhibitor profi les29 Competitions at the 50+ Show30 Maiden Art: Short story competition winner by

Jan Johnstone.32 A True Story: True story competition winner by

Margaret Pigott.34 Being Fabulous and 50+ Apple or pear? Fashion hints and tips for all...38 50+ Show Photo Competition winners46 Don’t let your money retire when you do!48 Financial solutions to enhance your life - Understanding the options50 Protect and enjoy - money matters52 Climb new heights Climbing offers great exercise and a way to meet new friends... and

you can try it on the 50+ Show’s climbing wall!54 Gardening for fun56 Residential parks - where the living is easy60 Explore the world on foot Pack a rucksack and let’s go!61 50 plus for the 50 plus South America was just the start... it’s a big world out there!62 The 50+ Awards66 The Puzzle Page: courtesy of Take a Break’s Take a Crossword

Visitors are advised to satisfy themselves as to the bona fi des of the exhibitors and advertisers prior to fi nalising signifi cant transactions.

Fill in the 50+ Show questionnaire at http://propubs.polldaddy.com/s/50-plus-show-london-2012

Robert McCaffreyEditor

We have hidden a number of crowns throughout the 50+ Magazine - like this:

There are more than 10 but less than 20, including at least one in the adverts. Find them ALL and have a chance of winning £25 in gift vouchers. Include your answer in the on-line questionnaire - the address is below.

Happy crown hunting!

--------------------------------------------------------------------------------------------------------------------------50+ Show London 2012


The 50+ Show Exhibitor A-ZOrganisation Stand32 Senses Dental Holidays D2450 Plus Magazine A28360 Spinning Mop D10Abacus Hotels A53Abbeyfi eld C47Action on Hearing Loss D2Acumag D13Age UK C7ATG Tickets A10Art Hospita B19AAvanti Travel Insurance A54Belgian Tourist Offi ce A55aBerkeley Parks P6Bergs International D1Best of British Magazine C35Bijoux ByMe Craft ZoneBirch’s and Omar Park Homes P5Bonmarché B26Brenthams Furnishers B19Brightwater Holidays Ltd A5British Telecom B10Cancer Research HEALTH Capital Alternatives C37Centre for Sight C21Chimu Adventures A6Churchill Retirement Living C10City Asset Partnership C34Civil Service Retirement Fellowship E10Core Elements E1Crowhurst Park Holiday Village P7Cruise & Maritime Voyages A25Currencies Direct D25Deep South USA A16Designer Travel A17Diabetes Research & Wellness Foundation

B20Ecovolt B11Emphasize B22emporia Telecom C45Essex Financial Solutions C11Ethical Forestry B27Eurotherapy D23Exclusive SIPPs B4Footcare Supplies C39Forever Living Products C52Forever Living Products B16Fortina Spa Resort B2Fosters Law C18Girlings Retirement Rentals C24Global Professionals A18Go Cruise A7Grayson Clocks B41Group Travel Organisers Assocation A48Guide Dogs C17Heat in a Click B7Health Mate UK C25

Organisation StandHF Holidays C30Holiday and Dance C51Holidays and Cruises for you A27Holiday Property Bond C48Hospitadent B19A Hospital Particular Do Algarve D33House of Fraser Beauty ZoneIdeal Home Group C2Independent Age D14International Glaucoma Association C36Isle of Wight A23Jaybelle Grange P6AJoju Solar C20AKCO Beauty A56Kreativ Dental Clinic D31Lead Opinion D30

Locked up Monitored Security C6London Eye Hospital D15Macmillan Cancer Support D10BMalaysia Healthcare Travel Council D29Marie Curie Cancer Care B3Miracle Shammy C50Mundy Cruising A24MXY Ltd B13,A31Mybility UK Ltd C4myfamilyexpert.co.uk C9My Weekly, The People’s Friend, Puzzler E2National Federation of Occupational Pensioners C44New World Bathrooms E11Nikis Balms D16North America Travel Service & Tauck A30Oakdale Beds E8Obsidian Retreat D28Optimax Laser Eye Surgery Specialists B23Plan UK C27Pocock Rutherford & Co D10APrestige Park and Leisure Homes Ltd P2Prudential B17,B18Purple Bay D26Ramblers Worldwide Holidays A9Reach Skilled Volunteers B8Readers Digest Magazine B2ARetired Greyhound Trust D5Retirement Homesearch C8Retirement Today Magazine B14

Organisation StandRichardson’s Holidays A15Richmond Retreats A51RNIB C41Saga Holidays A20SavvyWoman.co.uk C20See Tickets A8SGT /Morgan MotorzoneShuffl eboard.eu E7Shuzi UK Ltd A11Silver Travel Advisor A29Simply Groups A55Sold on Cyprus B39Sparklebright D11Specsavers D19 Stately Albion P1St Anthony’s Hospital C42stonehaven C49Take a Break’s Puzzle Magazines B30TDC Implant Centre C28The 50+ Show Organisers stand C33Thermal D`or Orucoglu B19AThe Aromatherapy Company C14The Beaches of Fort Myers & Sanibel A50The Dream Lodge Group P9The Fabulous Vodka Company A23AThe Hawthorns Retirement B31The Legal Brokerage D17The Oldie Magazine C30AThe Pensions Advisory Service D9The Ramblers C32The Stroke Association C13The Wildlife Trusts C38Thornton & Baines D7Titan Travel A22Travelsphere A14Tropical Sky A12Turkish Healthcare Tourism Development Council B19AU3A C41A, C43Voyages Jules Verne A21we are bettertogether C15Wider Fit Shoes B5Wildfowl & Westlands Trust C23Wiltshire Farm Foods C29Wyldecrest Parks P8Yakult C3Yours Magazine Sponsorship of cafe area


High ReturnTimber Investments£18,000 invested over 12 years is projected to return £104,189 with the following payouts: Year 4 £5,640 Year 8 £15,595 - Year 10 £20,518 - Year 12 £62,436We offer ethical investments with unrivalled returns and environmental benefits for future generations.If you are looking to invest your savings, pension or for a discretionary trust, it’s worth considering

Ethical Forestry’s high return timber investments. Our forestry investments offer steady,

stable growth and have no correlation to the stock market, thereby avoiding the insecurity

of unpredictable peaks and troughs. Additionally they are ethical and sustainable, giving

environmentally conscious investors peace of mind knowing their money is growing in safe hands.

Projections based on Melina over 12 years

Amount invested Projected returns

£18,000 £104,189

£30,000 £173,648

£42,000 £243,108

£54,000 £312,567

£66,000 £382,026

£78,000 £451,486

£90,000 £520,945

£102,000 £590,404

We also tailor investments to meet individual investor requirements

Suitable for pensions • SIPP Approved • HMRC Compliant • Stable & Secure • Sustainable & Ethical

Ethical Forestry is not regulated by the Financial Services Authority and does not offer any advice about any regulated or unregulated investments, either within this advertisement or elsewhere. Please consult an Independent Financial Advisor prior to making any decision to buy our products. Our products are not regulated investments. Their value may rise or fall and no guarantees of future performance in respect of income or capital growth are given either expressly or by implication, and you may not get back the full amount you pay for them. Ethical Forestry shall not be held liable to anyone for any errors, omissions or inaccuracies within this advertisement under any circumstances or for any loss or damage which may arise from the use of any of the information or detail contained herein. Our projections are based on historical Melina growth data and timber values rising at an average of 7% per annum over the term of the investment.

• Wehaveaproventrackrecordforgrowing,harvestinganddeliveringinvestorstheirprojectedreturns

• Planforthefuturewithregularpayoutsthroughoutinvestment• Weownandmanageourplantationsgivinginvestorsextrasecurity

‘‘ Forestry is the only asset class in existence that has risen in three out of the four market collapses of the 20th century.’’ MoneyWeek

See us at the50 Plus ShowOlympia Grand Hall B2712th-14th July

‘‘ Timber is uncorrelated to stocks, making it an excellent way to balance your portfolio.’’ InvestmentU

HMRC and Pension

Compliant

Specialists in secure,high-return timber investments

Timber, the ultimate growth investment.MoneyWeek

‘‘ ’’

Invest direct: for your free copy of our timber investment pack, call

0800 075 30 10www.ethicalforestry.com www.ethicalforestry.com

Thursday

SEMINAR THEATRE50+ SHOW

COOKERY THEATRESEMINAR THEATRE

2

10.30-11.15 GARDENING Q&A TIMEChaired by: John Negus, Editor, Amateur Gardening MagazinePanelists: Diogo Correira, Chelsea Gardener; Caro Sanders, Caro Garden Design; Neil Miller, Hever Castle

11.30-12.00TAKE CONTROL OF YOUR FUTURE. Tips for fi nancial security from Prudential Tony Marcham / Robin Sampat

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12.15-13.00YOUR MONEY MATTERS PANELChaired by: Sarah Pennells, SavvyWomanPanelists: Tony Marcham/Robin Sampat, Prudential; Keith Kemp, St James’ Place; Simon Primmer, The Pensions Advisory Service


14.00- 14.45SEX CAN LAST A LIFETIMELorraine Grover, Sexual Advice Association

15.15-16.00BEGINNER’S DIGITAL PHOTOGRAPHY WORKSHOP Ron Coello

10.30-11.15 HOW TO COOK...FABULOUS FOOD FOR ALMOST FREE!Celebrity Chef Richard FoxRichard Fox is a TV Chef and food and drink expert. He has had his own cooking slot on BBC 1 Regional Look North and was a regular chef on BBC 2’s Food Poker. He is a regular on The Food Channel’s Market Kitchen and launched the Love Food Hate Waste concept on this channel. Richard has also written for various publications including BBC Good Food Magazine, The Daily Mail, The Daily Telegraph and The Ecologist.

12.00-12.45AN ITALIAN SUMMERStefano Borello, La Cucina Caldesi

13.30-14.15HOW TO COOK FABULOUS FOOD...FOR ALMOST FREE!Celebrity Chef Richard Fox

15.00-15.45HOW TO BUY WINE WITH CONFIDENCE IN TODAY’S MODERN SUPERMARKET. Hints & Tips, trends to follow and things to avoid when buying wineRichard Broad

10.00-10.30ENJOY RENEWED VITALITY, CALM & STRESS-REDUCTION WITH MINDFULNESSChristene Burgess, Mindfulness

10.45-11.20HEALTHY EATING IN LATER LIFEJune Copeman, Head of Nutrition and Dietetics, Leeds Metropolitan University

11.30-12.00HOW TO BECOME A SKILLED VOLUNTEERDon Hunter, Business Develop-ment Manager, REACH Skilled Volunteers

12.10-12.55 CHANGING LIFESTYLES AFTER 50Dr Meredith Belbin, We Are BetterTogether

13.05-13.35A NEW WAY TO LOOK AT EQUITY RELEASEBob Boon, Stonehaven

13.45-14.15 DIABETES: LEARNING THE FACTS & DISPELLING THE MYTHSHenrietta Mulnier RGN MSc PhD, Diabetes Research & Wellness Foundation

14.30-15.00HOW TO GET THE MOST FROM YOUR RETIREMENT IN FINANCIALLY TOUGH TIMESSarah Pennells, SavvyWoman

15.15-16.006 SECRETS TO MATURE MAGICALRELATIONSHIPS & SEXPriya & Bob Tourkow, Intimacy Works


(Signed by a BSL Interpreter)



DANCE FLOOR

TRAVELSEMINAR THEATRE

10.30TAI CHIKate Mansfi eld & The London School of T’ai Chi Chuan andTraditional Health Resources Ltd.

11.15MUSIC WORKSHOPIleana Di Camillo & Upbeat charity

Member of British Voice Association, Ileana teaches private singing lessons to students of all levels and abilities, in a friendly atmosphere, with a focus on contempo-rary vocal technique, jazz and pop, song interpretation and vocal improvisation.

10.30MUSIC & DANCE FOR ALLHoliday & Dance

11.30 TEACH IN: MODERN BALLROOMHoliday & Dance

10.40-11.10CHOOSING YOUR FIRST CRUISESilver Travel Advisor

11.20-11.50A WORLD OF DISCOVERY FOR YOUR GENERATIONRamblers Worldwide Holidays

ACTIVITY ZONE

12.15ZUMBA FITNESS CLASS WITH REBECCA!Rebecca Wilkinson


14.00YOGAPatricia McLoughlin, Yogamac

15.30BELLY DANCING CLASS Roxanna Edwards

13.00HURRAY FOR HOLLYWOOD PERFORMANCEBus Pass to Broadway Group

13.45 TEACH IN: LATIN AMERICAN

Holiday & Dance



12.00-12.30HOLIDAY WITH CARERichmond Retreats

12.40-13.10 AN INTRODUCTION TO MARKETING TO GROUP TRAVEL ORGANISERSMike Newman, Group Travel Organisers Association (GTOA)

13.20-13.50CRUISING FROM YOUR DOOR-STEP - DISCOVER WHAT CRUISE & MARITIME VOYAGES HAS TO OFFERCruise & Maritime

14.00-14.30DISCOVER ASIA WITH WENDY WU TOURS. Wendy Wu Tours

14.40-15.10A JOURNEY THROUGH THE DEEP SOUTH USATravel & Tourism Ltd (T&TM)

15.20-15.50GETTING MORE HOLIDAY FOR YOUR MONEYGo Cruise

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12th Ju

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The 50+ Show Magazine 9



PROGRAMME - THURSDAY--------------------------------------------------------------------------------------------------------------------------

Thursday

CRAFTZONE

MAIN STAGE/FASHION SHOW

9.30-10.00SEED BEAD SPINNER DEMONSTRATION

10.00-10.30CHA CHA MAKINGDEMONSTRATION

10.30-11.00CHARM BRACELETDEMONSTRATION

11.00-12.00PAPERCRAFT SESSION

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12.00-13.00EARRING MAKE & TAKESESSION


14.00- 15.00SHAMBALLA MAKINGDEMONSTRATION


15.30HOW TO START YOUROWN BUSINESS SEMINAR

10.45FASHION SHOW

Make sure of a good seat for the entertaining features on the Main Stage. With live fashion shows starring real models and clothes supplied by Bonmarche and Emphasize, choreo-graphed by Mandy White of White Events Management. Model’s make-up courtesy of House of Fraser.

11.30 THE DOWNSMEN CHORUSNorth Surrey Barbershop Harmony Club

12.15FASHION SHOWBonmarche

13.00THE DOWNSMEN CHORUSNorth Surrey Barbershop Harmony Club

13.45FASHION SHOWEmphasize

14.30DISCANTVS CHOIR

15.15PRIZE QUIZ!Are you a brainiac or perhaps Britain’s next mastermind? Test your knowl-edge and join The 50+ Show Quiz! The lucky winner will be rewarded with a pair of tickets to see Ghost The Musical kindly donated by ATG Tickets.

SGT is one of the longest-established Morgan dealerships in the UK. The dealership started in 1971 and is a privately owned family business based in the Heart of the Thames Valley.There is a superb collection of new and used Morgans for sale displayed in the showroom, each as unique as the next. A full Aftersales service is also available with dedicated technicians trained and qualifi ed to look after Morgans. Morgans are hand-built, personalised to each owner’s requirements. There is no such thing as a standard Morgan. Care and craftsmanship may be from yesteryear, but Morgan engineering and technology are right up to date. Ride and handling are traditional in style yet modern in response whilst performance and safety are very much of today. To own a Morgan is to be part of an exclusive club, which is probably why so many are prepared to wait a little while to savour it.

MOTOR ZONEbrought to you in association

with Morgan Motor Company


Frid

ay

SEMINAR THEATRE50+ SHOW

COOKERY THEATRE

10.30-11.15 GARDENING Q&A TIMEChaired by: John Negus, Editor, Amateur Gardening MagazinePanelists: Diogo Correira, Chelsea Gardener; Caro Sanders, Caro Gar-den Design; Sue Fisher, My Weekly Magazine Gardening Expert


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14.00-14.45SEX CAN LAST A LIFETIMELorraine Grover, Sexual Advice Association

15.15-16.00BEGINNER’S DIGITAL PHOTOGRAPHY WORKSHOP Ollie Smallwood


12.00-12.45AN ITALIAN SUMMERStefano Borello, La Cucina Caldesi

13.30-14.15EAT YOUR WAY TO BETTER SIGHT!Professor Ian Grierson, Author of ‘Vegetables for Vision’ and ‘Fruit for Vision’

14.30-15.15HOW TO COOK...FABULOUS FOOD FOR ALMOST FREE!Celebrity Chef Richard Fox



10.45-11.20WHY DO DIETS FAIL?Andrew West, Obsidian Retreat

11.30-12.00HOW TO BECOME A SKILLED VOLUNTEERRob Peach, Business Development Manager, REACH Skilled Volunteers


13.05-13.35SLOW DOWN YOUR CLOCK!Anti-Ageing Tips with Valery McConnell, Editor, Yours Magazine




SEMINAR THEATRE 2






10.00YOGAPatricia McLoughlin,Yogamac


Member of British Voice Association, Ileana teaches private singing lessons to students of all levels and abilities, in a friendly atmosphere, with a focus on contem-porary vocal technique, jazz and pop, song interpretation and vocal improvisation.



10.40-11.10CHOOSING YOUR FIRST CRUISESilver Travel Advisor








Holiday & Dance



12.00-12.30BRUSSELS & WALLONIA, THE SOUTH OF BELGIUM, LATIN EUROPE IN A NUTSHELL...Belgium Tourism

12.40-13.10 HOLIDAYS WITH CARERichmond Retreats

13.20-13.50A WORLD OF DISCOVERY FOR YOUR GENERATIONRamblers Worldwide Holidays

14.00-14.30ACTIVE, SOCIABLE HOLIDAYS FROM TRUSTED EXPERTSHF Holidays

14.40-15.10A VIEW FROM WORLDWIDE TRAVEL SPECIALISTS WESTERN & ORIENTAL TRAVELWestern & Oriental Travel

15.20-15.50CRUISING FROM YOUR DOORSTEP - DISCOVER WHAT CRUISE & MARITIME VOYAGES HAS TO OFFERCruise & Maritime

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13th Ju

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ACTIVITY ZONE

DANCE FLOOR




CRAFTZONE



10.00-10.30CHA CHA MAKINGDEMONSTRATION

10.30-11.00CHARM BRACELETDEMONSTRATION


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15.30HOW TO START YOUROWN BUSINESS SEMINAR

10.45FASHION SHOW

Make sure of a good seat for the entertaining features on the Main Stage. With live fashion shows starring real models and clothes supplied by Bonmarche and Emphasize, choreo-graphed by Mandy White of White Events Management. Model make-up courtesy of House of Fraser.

11.30 CAPITAL CHORUSWEST LONDON BARBERSHOP HARMONY CLUB


13.00CAPITAL CHORUSCapital Chorus is an award-winning male Barbershop Harmony Club. They have won three national awards in the last four years at the BABS Convention, the annual British championship for Barbershop Singing.


14.30PRIZE QUIZ!Are you a brainiac or perhaps Britain’s next mastermind? Test your knowl-edge and join The 50+ Show Quiz! The lucky winner will be rewarded with a pair of tickets to see Ghost The Musical kindly donated by ATG Tickets.

15.30 FASHION SHOWBonmarche


MOTOR ZONECRAFTZONE


Frid

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brought to you in association



Satu

rday

SEMINAR THEATRESEMINAR THEATRE

2

10.30-11.15 GARDENING Q&A TIMEChaired by: John Negus, Editor, Amateur Gardening MagazinePanelists: Diogo Correira, Chelsea Gardener; Caro Sanders, Caro Garden Design; Geoff Hawkins, Horticultural Speaker, Broadcaster and Gardening Consultant


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14.00-14.45SEX CAN LAST A LIFETIMELorraine Grover, Sexual Advice Association

15.15-16.00BEGINNER’S DIGITAL PHOTOGRAPHY WORKSHOPRon Coello


12.00-12.45EAT YOUR WAY TO BETTER SIGHT!Professor Ian Grierson, Author of ‘Vegetables for Vision’ and ‘Fruit for Vision’

13.15-14.00HOW TO COOK...FABULOUS FOOD FOR ALMOST FREE!Celebrity Chef Richard Fox




11.30-12.00HOW TO BECOME A SKILLED VOLUNTEERDavid Collins, CEO, REACH Skilled Volunteers


13.05-13.35A NEW WAY TO LOOK AT EQUITY RELEASERose Wilson, Stonehaven


14.30-15.00WHY DO DIETS FAIL?Andrew West, Obsidian Retreat


50+ SHOW COOKERY THEATRE






DANCE FLOOR




Member of British Voice Association, Ileana teaches private singing lessons to students of all levels and abilities, in a friendly atmosphere, with a focus on contempo-rary vocal technique, jazz and pop, song interpretation and vocal improvisation.



10.40-11.10HOLIDAYS WITH CARERichmond Retreats


ACTIVITY ZONE



14.00YOGAPatricia McLoughlin,Yogamac




Holiday & Dance




12.40-13.10 TRAVELS WITH HILARY BRADT AND SILVER TRAVEL ADVISORHilary Bradt

13.20-13.50GETTING MORE HOLIDAY FOR YOUR MONEYGo Cruise

14.00-14.30BRUSSELS & WALLONIA, THE SOUTH OF BELGIUM, LATIN EUROPE IN A NUTSHELL...Belgium Tourism

14.40-15.10A VIEW FROM WORLDWIDE TRAVEL SPECIALISTS WESTERN & ORIENTAL TRAVELWestern & Oriental Travel

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PROGRAMME - SATURDAY--------------------------------------------------------------------------------------------------------------------------



Saturd

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CRAFTZONE



10.00-11.00MEMORY WIRE DEMONSTRATION


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12.00-13.00SHAMBALLA MAKING DEMONSTRATION

13.00-14.00TIGERTAIL NECKLACE MAKING DEMONSTRATION



10.45FASHION SHOW

Make sure of a good seat for the entertaining features on the Main Stage. With live fashion shows starring real models and clothes supplied by Bonmarche and Emphasize, choreo-graphed by Mandy White of White Events Management. Model make-up courtesy of House of Fraser.

11.30 ROCK CHOIR


13.30PRIZE QUIZ!

Are you a brainiac or perhaps Britain’s next mastermind? Test your knowl-edge and join The 50+ Show Quiz! The lucky winner will be rewarded with a pair of tickets to see Ghost The Musical kindly donated by ATG Tickets.


15.30ROCK CHOIRDescribed as a ‘National Phenomenon’, ROCK CHOIR is now available right across the UK. Rock Choir sings pop, gos-pel and motown music and is open to everyone as there are no auditions and no requirement to read music.


MOTOR ZONEbrought to you in association



You’ll find us especially attractive today!

STAND B31

CLEVEDON, SOMERSET BRAINTREE, ESSEX EASTBOURNE, SUSSEXCLEVEDON, SOMERSET BRAINTREE, ESSEX EASTBOURNE, SUSSEXCLEVEDON, SOMERSET BRAINTREE, ESSEX EASTBOURNE, SUSSEXCLEVEDON, SOMERSET BRAINTREE, ESSEX EASTBOURNE, SUSSEXCLEVEDON, SOMERSET BRAINTREE, ESSEX EASTBOURNE, SUSSEX

In our FREE prize draw

5 CHANCES TO WIN A VOUCHER FOR A CASE OF LAITHEWAITES QUALITY WINES

WORTH £100

£1000S A G A H O L I D A Y S

V O U C H E R

YOU COULD WIN A Hotel style living, first-class service, superb dining room, exquisite cuisine and just about everything covered in one monthly rental payment. Given all this and the economic climate, it’s little wonder we are the most attractive alternative to buying a place to retire to. And with prizes like these on offer, we’re especially attractive today! To enter our Free prize draw to win a SAGAHolidays £1000 voucher,note the numbers on our leaflet in your exhibition welcome pack and check if they match up with the numbers on our stand: B31.

Don’t be concerned if they don’t match, because your name will be automatically entered into a second Free draw to win a voucher for a case of quality wines from award winning wine merchant, Laithewaites. And whilst on our stand,please take a look at the many attractive reasons to consider a Hawthorns retirement residence: Private accomodation activities room . cable TV

cinema library hairdressing salon handy mini bus

weekly laundry service

beautiful gardens . 24/7 security and much more. Hope to see you soon.

Winners will be listed on our website at www.hawthornsretirement.co.uk from week commencing 16th July 2012

Call 01590 646400 for more information or to arrange an appointment to view.

&

FEATURED EXHIBITORS--------------------------------------------------------------------------------------------------------------------------


AVANTI TRAVEL INSURANCE Stand A54

Avanti Travel Insurance offers low cost, quality travel insurance. Call FREE on 0800 066 5604 or visit:www.avanti.co.uk. We can cover individuals, couples & families up to age 85. Pre-existing medical condi-tions also covered (terms, conditions & exclusions ap-ply). We also offer great deals on Currency, Keycare, Airport Parking, Airport Hotels and Airport Lounges. Our travel insurance policies are underwritten by Mapfre Insurance, an insurer with over 100 years of trading history and over 16 million members and cus-tomers worldwide.Telephone: 0800 0665604 Web: www.avanti.co.ukCentury House, Century Drive, Braintree, Essex CM77 8YG

CITY ASSET PARTNERSHIPStand C34

City Asset Partnership is a leading asset manager for individuals and financial intermediaries.

Our investment professionals provide strategies that span the full spectrum of asset classes including commodities, fixed income, cash liquidity, real estate and commercial property.

Telephone: 020 7153 1630Web: www.cityap.co.ukCity Point, 1 Ropemaker Street, London, EC2Y 9HT

ETHICAL FORESTRYStand B27

If you require an investment with a proven track record, then you may wish to consider Ethical Forestry’s high return investments. As one of the UK’s leading providers, their investments are pop-ular as they produce valuable timber, a commodity constantly in demand. The investments are popular for pensions, retirement income generators and as a way of investing for children and grandchildren. Visit Ethical Forestry on stand B27 and discover how you can make a decent return whilst making a difference.

Telephone: 0800 075 30 10 Web: www.ethicalforestry.com80, Holdenhurst Road, Bournemouth, Dorset, BH8 8AQ

ABACUS HOTELSStand A53

Abacus Hotels has three AA 4 star hotels in Cam-bridgeshire and West Norfolk: BEST WESTERN PLUS Orton Hall Hotel & Spa, Peterborough, in 20 acres of parkland, offering excellent food, accommoda-tion and the Courtyard Leisure Club; BEST WESTERN Knights Hill Hotel & Spa, King’s Lynn built around an ancient farm complex, both hotels with Imagine Spa; BEST WESTERN Le Strange Arms Hotel, Hunstanton, with direct access to a wonderful sandy beach;. The hotels have on-site pubs with restaurants and real ales.

Web: www.abacushotels.co.uk

AGE UK Stand C7

Life doesn’t come with a manual. We provide accurate and reliable answers to issues which may affect you, a relative or someone you care for. Our free information and ad-vice, products and services help enrich the lives of people in later life, helping you to get the benefits and support you’re entitled to. We have a network of Age UKs across the country, including Age Cymru, Age NI and Age Scotland.

Telephone: 0800 169 6565Web: www.ageuk.org.uk1-6 Tavistock Square, London, WC1H 9NA

BEST OF BRITISH MAGAZINEStand C35

Britain’s top nostalgia monthly is at the 50+ show with EXCLUSIVE discounts & subscrip-tion savings! Most magazines have a letters section, but Best of British is unusual. We also have a much larger section for readers to write at greater length about their memories, and for 17 years we have in-corporated readers’ memories of British life into the magazine. Join us in celebrating the best of British music & entertainment, traditions and industries, arts and craft from the 40s-present.Telephone: 020 8752 8126Web: www.bestofbritishmag.co.ukThe Perfume Factory, 140 Wales Farm Road, London, W3 6UG



FOSTERS LAWStand C18

Trusted Solicitors to the Over 50s. Expert legal plan-ning is crucial to ensure that your aff airs are eff ectively managed, both during your retirement and upon your death. Be assured that whatever your requirements, with many years of experience at managing the legal aff airs of those aged over fi fty, Fosters Law will under-stand the complex legal, fi nancial and emotional im-plications, for you and your family. Our clients trust us to be professional, honest and competitively priced.

Telephone: Freephone 0800 046 1717Web: www.fosters-law.co.uk/50+Retirement Services Department, 28 Cavendish Street, Ramsgate, Kent CT11 9AL

FORTINA SPAStand B2

The 4 star Hotel Fortina and the 5 star Fortina Spa Resort in Malta are off ering 2 for 1 holidays for 14 night durations and over. Situated in the heart of the Meditteranean with fabulous views overlooking the capital city of Valetta, packages are comprised of half board and all inclusive accommodation including re-turn fl ights from Gatwick, in-resort hotel transfers and a cruise of Malta’s Grand Harbour. Please visit us on Stand B2 for full details.

Telephone: 0800 917 3001Web: www.hotelfortina.comTigne Seafront, Sliema,SLM 154 MALTA

“� e readers’ own articles and memories are what make this magazine so special and unique” – Subscriber Dan � ornell, London.

“� e readers’ own articles and memories

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JOANGREENWOOD

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FOOTPLATEWe drive an engine

3 ISSUES

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THE UK’s TOP NOSTALGIA MONTHLY

HOW WOULD YOU LIKE A MONTHLY MAGAZINE THAT…

Lives & breathes the 40s, 50s and 60s in 100 colourful pages

Is packed full of vintage collectables, antiques, and fashion

Features rural knowledge, social history, exciting events & interesting places to visit

Publishes more than 16 pages of readers letters and articles each issue

CALL 01778 392019QUOTING ‘50+ SHOW’ TO SUBSCRIBE TODAY!* UK Direct Debit only. Subscribe to Best Of British Magazine by Direct Debit and receive the next 3 issues for £3. After my trial period, my subscription will continue at £39 every 12 issues (saving 16%). If I cancel within 2 weeks of receiving my 2nd issue, I will pay no more than £3. Offer ends 28/09/12

JOJU SOLARStand C20A

Joju Solar has been installing solar PV since 2006. Our installation teams operate across the South and South East of England. Over the past 6 years our teams have carried out many hundreds of installations focussing on delivering first class customer service together with technically excellent installations. Most of our so-lar installation customers come to us from direct word of mouth - a record that we are extremely proud of. We also offer home energy assessments and energy monitoring systems.

Telephone: 0800 0542 977Web: www.jojusolar.co.uk39 - 41 North Road, London, N7 9DP

HF HOLIDAYSStand C30

HF Holidays is the UK’s largest walking and leisure activity holidays company offering sociable, guided walking holidays throughout the UK, Europe and Worldwide. Founded in 1913, the co-operative offers a wide range of over 200 active, outdoor and leisure interest breaks and holidays at its 20 Country Houses in the UK alone. Voted Best Large Tour Operator by Guardian and Observer readers in 2010 and 2011. 2012 Which? Recommended Provider for holidays. Partner of the Ramblers, Britain’s walking charityTelephone: 0845 470 7558Web: www.hfholidays.co.ukCatalyst House, 720 Centennial Park, Elstree, Hertfordshire, WD6 3SY



LEADOPINIONStand D30

The LeadOpinion Panel is a community of people living with medical conditions and the carers who support them. Panel members participate in medical market re-search studies to share their experiences about their medical conditions and the usage of medical equip-ment to treat their conditions. They can also share their experiences about caring for someone with a medical condition. If you are interested in joining our panel, call the panel registration free phone 08000128888 or visit:www.leadopinion.com. Joining is free.Telephone: 0800 012 8888Web: www.leadopinion.comUnit 2-3, Unity Wharf, Mill Street, London, SE1 2BH

GIRLINGS RETIREMENT RENTALSStand C24

Girlings Retirement Rentals offers a variety of housing options to the independently minded, active 55+ age group. When you rent a retirement property through Girlings the service charge and maintenance is included in the rent allowing you to budget effectively. The major-ity of developments offer communal facilities and a house manager is on hand for help and advice. Reas-surance and peace of mind are also covered through the 24 hour emergency Careline. We have availability throughout the UK. Telephone: 0800 525 184 Web: www.girlings.co.ukGlanville House, Frobisher Way, Taunton, Somerset, TA2 6BB

KREATIV DENTAL CLINICStand D31

Kreativ Dental Clinic offers high quality and affordable dental treatment abroad in Budapest, Hungary. Our services particularly suit the individual who needs restorative Crown and Bridge work, Dental Implants or Cosmetic Dentistry not available on the NHS. Between 120 and 150 patients from the UK and Ireland visit our Clinic each month. Regularly saving 50% to 70% on the quotes they re-ceive in the UK.

Telephone: 0203 2879 331Web: www.kreativdental.co.uk

MALAYSIAN HEALTHCARE TRAVEL COUNCILStand D29

If you’re searching for medical-tourism, look no further than Malaysia. Visit us at Stand D29 for in-depth details on our world-class medical credentials, facilities, com-petencies, and affordable prices. Once you’re done with your procedure, you can look forward to an unfor-gettable holiday in Malaysia, a melting pot-of-exotic Asian cultures where breathtaking ultramodern city-scapes meet the beauty of lush tropical forests, pristine beaches, and mouthwatering food to suit any palate. Quality and affordability, all within a tropical paradise like no other. Telephone:+603-2283 2003 Web: www.mhtc.org.myUnit A-13-8, Level 13, Tower A Menara UOA Bangsar, 5, Jalan Bangsar Utama 1, 59000 Kuala Lumpur, Malaysia

“Without doubt the best property decision we have made!”

Peace of Mind

Independence

Flexibility

Choice

0800 525 184 www.girlings.co.uk

55+? Did you know you can rent private retirement property on a Life Long Tenancy which gives you the right to remain living in the property for as long as you wish, with service charges and maintenance included in the rent?

Discover the freedom renting in retirement can bring

Come and see us at Stand C24



RETIREMENT TODAY MAGAZINEStand B14

Visit our stand and receive a complimentary copy. Fantastic show offer, subscribe today and receive 12 issues for only £9.99. Join in our celebration of Lon-don theatres by entering our competition – we have four pairs of theatre tickets to be won each day, for Blood Brothers, Dreamboats and Petticoats, Billy Elliot and Yes, Minister. Visit our stand to enter. We also have an added bonus for all animal lovers – a complimen-tary copy of ‘All About Animals’ magazine.Telephone: 01296 632700Web: www.retirement-today.co.ukAmra Media Solutions, The Old Lavender Mill, 46a Brook Street, Aston, Clinton, Bucks, HP22 5ES

RICHARDSON’S Stand A15

We are a family run company with over 50 years’ expe-rience in providing quality value for money holidays. With a Richardson’s holiday you will get memories to cherish and a warm and friendly atmosphere. Our vil-lages offer full and half board adult only breaks. Each has its own facilities and resident band who are there so you can enjoy dancing and listening to live music. You can demonstrate your fancy footwork with a mix of ballroom, line and sequence dancing.

Telephone: 01692 584021Web: www.richardsonsgroup.netThe Staithe, Stalham, Norfolk, NR12 9BX

MARIE CURIE CANCER CAREStand B3

Marie Curie Cancer Care is dedicated to the care of people with terminal cancer and other illnesses. Gifts in Wills fund 1 in 2 of our Marie Curie Nurses who work in the homes of terminally ill patients across the UK, providing practical care and support. We are also the biggest provider of hospice beds outside the NHS. Our services are FREE to patients and their families. To find out more, Come and meet us on stand B3.

Telephone: 0800 716 146Web: www.mariecurie.org.uk89 Albert Embankment, London, SE1 7TP

PLAN UK Stand C27

Plan is a global children’s charity who work with children in the world’s poorest countries to help them build a better future. A future you would want for all children, your family and friends. For over 70 years we’ve been taking action and standing up for every child’s right to fulfil their potential. With your sup-port children, families and entire communities have the power to move themselves from a life of poverty to a future with opportunity.

Telephone: 0300 777 9777Web: www.plan-uk.orgFinsgate, 5-7 Cranwood Street, London, EC1V 9LH

PRUDENTIALStand B18

Whether there’s some way to go before you retire or you are already retired, Prudential’s Financial Advis-ers will be on hand to help you with any questions or concerns that you may have. You’re welcome to come along to our stand to chat about your financial hopes and worries. We look forward to seeing you there. Oh, and look out for the elephant in the room. It’s hard to ignore, and you could win a safari trip for 2*! * Terms & Conditions of this competition are available at the Prudential stand.

Telephone: 0800 000 000Web: www.pru.co.uk

READER’S DIGESTStand B2A

Reader’s Digest is one of the UK’s best-known brands and boasts a wide portfolio of products including the monthly magazine, cata-logues, DVDs, books and lifestyle products. Reader’s Digest magazine, celebrating its 90th birthday this year, is packed full of compelling real-life stories that inspire and entertain. With a line-up of top writers, including Bob Flowerdew, Marco Pierre White, Mar-tin Hughes-Games and more, Reader’s Digest will provide you with hours of reading pleasure. Visit our stand B2A to receive a free copy.

Telephone: 0800 316 1176Web: www.readersdigest.co.uk157 Edgware Road, London, W2 2HR

SUBSCRIBE TODAYCall 0800 316 1176 Please quote 678

or subscribe online at www.readersdigest.co.uk/eventspecialo er50

Reader’s Digest is packed full of compelling real-life stories that will inspire and entertain, as well as a whole host of must-read tips to make your life easier, simpler and more fun. Subscribe today and you will receive your fi rst 3 issues for £1 followed by quarterly payments of £5.25, a 50% saving o� the cover price.

Subscribe today and you will receive a magazine that will provide you with hours of reading pleasure. With a line-up of top writers, including Bob Flowerdew, Donal MacIntyre, Martin Hughes-Games, Marco Pierre White, and a whole host more, you’ll be guaranteed a compelling and entertaining mix of features, facts and fun.

Terms and conditions – This is a Direct Debit only subscription o� er. You will receive your fi rst 3 issues, starting with the next available issue, for just £1. After the third issue your subscription will continue automatically at the regular low price of £5.25 every 3 months. If you decide you do not want to continue you need to contact Reader’s Digest or your bank before you receive the third issue otherwise your subscription will continue at £5.25 every quarter. We publish 12 issues of Reader’s Digest a year. This o� er is only available to residents of the United Kingdom and the o� er closes on 31st July 2012.

Health, Food, Gardening, DIY and Money Saving Ideas that you can trust

Subscribe to Reader’s Digest today and let us make your life

easier, simpler and more fun

Subscribe to Reader’s Digest today and receive your fi rst 3 issues for £1

TDC IMPLANT CENTREStand C28

At TDC Implant Centre, expert dental practitioners perform the revolutionary Smile in a Day implants technique. Patients are fitted for implants and receive their teeth in just one day without any traditional bone grafting. Led by Dr Michael Zybutz and Dr An-thony Zybutz, the practices in Harley Street, Peter-borough and Kent offer a swift solution to tooth loss and dentures by giving patients permanent, natural smiles in just one day.

Telephone: 0800 012 2086 Web: www.smileinaday.co.uk77 Harley Street, London, W1G 8QN

THE HAWTHORNS RETIREMENT GROUPStand B31

The Hawthorns is unique in the retirement property market offering a different and complete retirement lifestyle. Each of our three facilities provides a range of studio, 1 and 2 bedroom private apartments in a hotel-style facility. The apartments are rented on a monthly lease – there is no need to invest any capital in purchasing them. For more information, please visit us at stand B31 where you will get a chance to be en-tered into a draw for a £1000 voucherTelephone: 01590 646400Web: www.hawthornsretirement.co.ukBraintree, Essex. Clevedon, Somerset. Eastbourne, East Sussex.



TAKE A BREAK’S PUZZLE MAGAZINESStand B30

H Bauer is the largest privately owned publisher in Europe, publishing in Germany, France, Spain, Portugal and the United Kingdom. Addition-ally, Bauer publishes in the United States and Mexico. With the recent addition of the former Emap Con-sumer Media titles, Bauer is now the largest consumer magazine publishing company in the UK, playing a primary role in the Women’s Weeklies, Women’s Inter-est, Women’s Lifestyle, TV Listings, Puzzles, Men’s Life-style, Music & Film and Specialist magazine markets.

Telephone: 020 7241 8000Web: www.bauer.co.uk Academic House, 24-28 Oval Road, London, NW1 7DT

STONEHAVENStand C49

Stonehaven are thrilled to be attending The 50+ Show for the first time. We’re the leading independent spe-cialist lifetime mortgage provider. Come and visit our stand to find out how our award-winning innovative financial solutions could enhance your life. You can also enter our free prize draw to win a luxury hamper. T&Cs apply. www.stonehaven-uk.com. Equity Release may involve a Lifetime Mortgage or a Home Reversion plan. To understand the features and risks, please ask for a personalised illustration.

Telephone: 0800 068 0212Web: www.stonehaven-uk.com83 Victoria Street, London, SW1H 0HW

ST ANTHONY’SHOSPITALStand C42

St. Anthony’s is an independent hospital on the borders of southwest London offering high quality patient-centred care. With intensive care and high specification diagnostic imaging, it caters for all major specialities and is a lead-ing private centre for cardiac services. Consultants are supported by a strong team of resident doctors including anaesthetists and cardiac surgeons. With a reputation for compassionate care for over 100 years, patients are assured of the best of modern medicine in the best possible environment..

Telephone: 020 8337 6691Web:www.stanthonys.org.uk 801 London Road, North Cheam, Surrey, SM3 9D

SIMPLY GROUPSStand A55

Simply Groups is an award winning ‘Group Tour Oper-ator’ specialising in tailor-made group holidays to all UK and European destinations. We offer an efficient, friendly & professional service where value is guar-anteed. Quotations are free along with a wbespoke itinerary to suit your group’s requirements. We pro-vide for all tours, personalised promotional material, Group Organiser benefits, NO single room supple-ments (selected tours) & financial security. A variety of ‘small group options’ are also available to a selection of destinations.

Telephone: 01943 605999 Web: www.simplygroups.co.ukDalton House, 1 Hawksworth Street, Ilkley, West Yorkshire, LS29 9DU

TDC_50plusShow_297x210.pdf 1 6/14/12 5:49 AM


WE ARE BETTERTOGETHERStand C15

The ideas behind our company were formed by the well-renowned Cambridge academic, Dr Meredith Belbin, after lifelong research into trying to find solu-tions to the problems of ageing. We can offer various different kinds of compatibility matching and coun-selling, that could help in finding solutions to some of the common challenges of later life. Uniquely, we combine psychology with technology, to help review your life, find a friend or a partner. Or you can just talk to us!

Telephone: 0871 7810777Web: www.wearebettertogether.co.uk 11 Bennell Court, West Street,Comberton,Cambridge, CB23 7DS

YOURS MAGAZINESponsorship of the Cafe area

Yours is Britain’s leading maga-zine for the over-50s. It’s a friendly community where you can share stories and laughter, and find all kinds of advice on topics that matter to your life today – health, beauty, travel, fashion, finance and consumer issues. You’ll find your favourite stars of today, memories of yester-day plus puzzles and giveaways galore. If it matters to you, you’ll find it in Yours Magazine – on sale at all good newsagents every fortnight.

Telephone: 01733 468000Web: www.yours.co.uk

THE RAMBLERS Stand C32

The Ramblers is Britain’s largest walking charity, working to safe-guard the footpaths, the country-side and other places where people go walking. We want walking to be an enjoyable experience for all, whether in the countryside or in the city, on gentle paths or challenging hillsides. We believe that walk-ing contributes to health and well-being and sup-ports a more sustainable way of life.We have 480 walking groups leading 38,000 walks every year. Visit us on stand C32.

Telephone: 020 7339 8500Web: www.ramblers.org.uk Camelford House, 87-90 Albert Embankment, London SE1 7TW

THE PEOPLE’S FRIEND, MY WEEKLY & PUZZLERStand E2

Pop in and see us at Stand E2, where specialists and members of the respective editorial teams can answer any ques-tions you might have regarding gardening, fiction and crafts; the opportunity to receive 20% off the reg-ular subscription price as well as the chance to pur-chase special issues, pocket novels and various Puz-zler products. Subscribers to our titles at the show will receive a free gift and there’s a chance to win a holiday by popping in to see us!

Telephone: 0800 318846, 0844 826 7285www.dcthomsonshop.co.uk www.puzzler.com

TURKISH TOURISM DEVELOPMENT COUNCILStand B19A

Founding Chairman Emin Cak-mak formed a Council to facilitate health tourism activities in and outside of Turkey. “The main objective of the Council is to improve the health of people in other countries by coming to Turkey for medical treatment. The overall goal is “to strengthen the health tourism activities and to unite the national efforts to bring more patients to come in as well as to promote Turkey as a new health destination for the patients around the globe.”Telephone: 0090 212 2351224 Web: www.thtdc.org Abdulhak Hamit Cad Mermer Ap.No:70 Kat 4 D11, Taksim Istanbul, Turkey

THE NATIONAL FEDERATIONOF OCCUPATIONAL PENSIONERSStand C44

The National Federation of Occupational Pension-ers (N.F.O.P) is the oldest and largest occupational pensioner organisation in the UK, with over 80,000 members and 180 Branches across Britain. A voice for members, actively campaigning at Parliament, locally, and constituency level, aiming to protect and im-prove pensioners’ rights - better pensions, improved NHS services, appropriate long term care provision and better access to public transport. Members ben-efit from a series of discounts and offers that are ex-clusive to them, including free helplines.Telephone:01582 721652Web:www.nfop.org.ukUnit 6, Imperial Court, Laporte Way, Luton, Beds, LU4 8FE


--------------------------------------------------------------------------------------------------------------------------COMPETITIONS


ABBEYFIELD - C47Visit the Abbeyfi eld stand and enter the guess the weight of the cake competition for the chance to win a £50.00 M&S voucher.

CHURCHILL RETIREMENT LIVING- C10Visitors to the Churchill Retirement Living Stand have an opportunity to enter a free prize draw to win a luxury Warner Leisure break which includes a three night stay with break-fast and dinner for two people, (evening entertainment and use of the leisure facilities are also included within the luxury stay).

CIVIL SERVICE RETIREMENT FELLOWSHIP - E10Everybody likes chocolate and champagne and you could be one of two lucky winners on Stand E10. Visitors can enter a prize draw to win either a bottle of champagne or a box of Thornton Chocolates. Winners can enter on any of the three days of the show by fi lling in a competition slip at the stand.

FOREVER LIVING - B16WIN A MONTH’S SUPPLY OF ALOE! Visit Stand B16 to enter a free draw and you could win a months supply of their famous drinking gel! The properties of aloe are renowned for better health, more energy, less stress and a general feeling of well being...

FOREVER LIVING - C52Dorothy Norris’ Forever Living stand C52 will be running a show off er: Buy any 5 of the same product (or products which are the same price) to get a 6th of the same price or less FREE.

GIRLINGS - C24Help Girlings celebrate their 21 year anniversary and enter their free prize draw to win a 21 night holiday in Spain! Visit them on Stand C24 to fi nd out more. *Valid until 31 Decem-ber 2012.

N.F.O.P - C44Anyone visiting the N.F.O.P stand (C44) will be entered into a competition to win FREE Life Membership of the National Federation of Occupational Pensioners. Members receive the following benefi ts: Access to FREE Helplines including: Legal, Tax, Financial, Benefi ts & Entitlements, and Computer & IT. Members also benefi t from an Accident Aftercare Service and a Basic Will Writing service. The NFOP produce a Maga-zine for members 8 times a year. 50+ Show delegates can join the N.F.O.P at the much reduced fee of £10* for a full years membership.

POCOCK RUTHERFORD & CO - D10APocock Rutherford & Co. are off ering a case of champagne to anyone who enters into their competition. Visit their stand and fi ll in a few details to be included in a prize draw. Enter their competition and enquire about their free, no obligation initial fi nancial review meeting to all event attendees.

PRUDENTIAL - B17, B18 WIN A LUXURY SAFARI FOR TWOWant to win a truly unforgettable trip for you and a guest to jet off to the sun soaked South African city of Cape Town? The highlight of this trip will however be an overnight safari experience at the Aguila Safari Park where you will get a unique close up view of the famous ‘Big Five’. To enter, just pop along to the Prudential stand at the 50+ Show. Visit their video booth and answer a few quick questions, and they will enter you into the draw.

RICHARDSON’S HOLIDAYS - A15Visit the Richardson’s Holidays stand and enter into a prize draw to win a weekend break for two at a Richardson’s Holiday Village. On off er is one prize of maximum prize value of £400 for two people at either South Downs, Mundesley or Seacroft Holiday Village.

SHUFFLEBOARD.EU - E7Shuffl eboard.eu are off ering a 10% discount on any order for Shuffl eboard Courts or Cornboards placed within 2 weeks after the show.

TAKE A BREAK’S PUZZLE MAGAZINES- B30Take a Break’s Puzzle Magazines stand will be running a take away quiz every day at the show. Customers can return their completed quizzes through the day and then at 4pm a win-ner will be drawn to win 1x£20 worth of shopping vouchers.

THE HAWTHORNS RETIREMENT - B31The Hawthorns Retirement are running a free to enter prize draw of £1000 Saga holiday voucher, and 5 further prizes of £100 wine vouchers from Laithwaites Wine Company. Just take the competition leafl et in your visitor bagto Stand B31 and if the number on it corresponds to the numbers listed on the stand then your name will be entered in the draw to win the Saga holiday - and if the number is not there, your name will still be entered into the prize draw for one of the 5 Laithwaites £100 wine vouchers. The draw takes place at close of exhibition.

WIDER FIT SHOES - B5Wider Fit Shoes will be off ering 10% off (excluding postage and packing) their current catalogue at the show and for a limited period afterwards for visitors who have taken their catalogues. (This off er excludes sale items and cannot be used in conjunction with any other promotion).

COMPETITIONS

* Please be advised that Terms and Conditions to the above competitions apply


Maiden Art--------------------------------------------------------------------------------------------------------------------------SHORT STORY COMPETITION WINNER

All her life Helen Bartholomew had been sensible. At school she’d been a swot, head bur-

ied in a book when everyone else was racing around the playground or meeting boys behind the bike sheds for a ciggy. Later she’d gone to tech-nical college; it had been no surprise when she came out with top marks for shorthand and typing, the best student in the year.

“A good background Helen my girl, is very important,” her father had in-stilled into her, “you’ll always be able to get a job if you pass all your exams.” And Helen, being a dutiful daughter, had meekly agreed staying in and practicing her shorthand when she could have been out on the town with her friends.

Her sister Carol was very diff erent, the expression chalk and cheese was uppermost in everyone’s mind when they compared the two. She was a re-bel and very attractive, and got away with things, twisting people around her little fi nger with ease as she tossed back her long blonde hair and batted her eyelashes, life was a gas for Carol.

When she left college Helen had no trouble getting a position as a junior for a large fi rm of solicitors in the cen-tre of the small town where she lived. On her fi rst day, in blue twinset and pearls, navy pleated skirt and sensible shoes, her auburn hair trimmed into a neat bob, she had climbed the narrow stairs to the fi rm’s dingy rooms noting the dark oak panels from fl oor to ceil-ing, the dusty piles of books, the nar-row windows through which the sun struggled to shine, it had seemed positively Dickensian.

Doubt formed in her mind, did she really want to be locked away here, wasn’t there a more exciting world to discover, after all, this was the swing-ing 60’s?

“It’s a job Helen,” her father had said when that night she voiced her con-cerns, “stick with it, you’ll soon settle

down, you’re a very lucky girl to have a position at all.”

So Helen stuck with it and as the years passed she’d risen to the lofty heights of the senior partner’s secre-tary. In the meantime Carol bagged herself a wealthy businessman and married well producing two blonde daughters, Evie and Sharon, minia-tures of herself and both thoroughly spoilt.

When her parents passed away Helen inherited the family home, after all, she had been the one who’d been looking after them in their declining years. Carol tried to get her to re-dec-orate, throw out the old furniture and modernise but with no success.

“I like it the way it is, its comforting,” Helen told her and after a while Carol gave up, shrugged and said no more, after all, it would mean more money for her two girls to inherit when the time came, who else would Helen leave it to?

On reaching retirement age the fi rm had given her a heavy, marble clock, the then senior partner shak-ing her hand and thanking her for her hard work over the past forty years. Helen had put on her coat and de-scended the narrow stairs for the last time and when she reached home she’d placed the clock on a small table in her living room.

That night the constant ticking drove her mad. ‘Why do they give clocks to people who retire,’ she thought, ‘all it does is remind them of how long a day is when you’re alone,’ and she banished the clock to the back bedroom closing the door on it fi rmly.

At fi rst not being in a set routine every week was a novelty but soon she realised she needed to get out more. ‘Before I forget how to’, she told herself sternly as yet another long day stretched out before her with nothing planned.

True to her word that very morn-

ing she caught the bus into town and visited the library where she ex-amined the posters in the lobby. She soon found what she was looking for, the local college was off ering night classes in art and enrolment was that night. ‘I’ve always fancied trying my hand at painting,’ Helen thought, ‘I’ll go along and register.’

She didn’t tell Carol and her nieces, not wanting them to think her fool-ish, wanting to learn to paint at her age. ‘It’ll be a surprise when I fi nally see them again whenever that is,’ she thought, ‘maybe it’ll convince them I’m not as doddery as they think I am.’

That night she arrived early at the College fully intending to sign up to watercolour painting but on the way down the long corridor she spotted something far more interesting. She paused and studied the poster tacked on the classroom door. ‘Wanted for life classes,’ it read, ‘models, good rates of pay on off er, enquire within’.

Helen hesitated, could she, should she? Well she had wanted to get out of a boring rut, kick over the traces before it was too late. Taking a deep breath she pushed open the door.

It was several weeks later when she met her sister and nieces in the town centre wine bar. Carol had stared hard when she saw Helen, gone were the twinset and pearls, in was the bohe-mian look, all fl oaty scarves, jangling jewellery and long peasant skirts.

“I hardly recognised you Helen,” she said when she’d got over the twin shock of both her sister’s appearance and her presence in a wine bar; “you have changed.”

Helen smiled, “why don’t you all join me,” she said patting the seat beside her, “its ages since we’ve seen each other, I’m sure we all have lots of news to catch up on.”

She didn’t miss the deep sighs and rolling of eyes from her nieces when Carol insisted they all sit down, poor girls they were so transparent, no

by Jan Johnstone


--------------------------------------------------------------------------------------------------------------------------

good at all at hiding their feelings. As usual Carol’s conversation turned to Evie and Sharon and their latest craze, painting.

“They’ve decided to take up life classes, haven’t you girls,” Carol ex-plained, “I’m sure they’ll do well, al-ways been good at dabbling with paint haven’t you? You’ll be able to do a painting for Aunty Helen; you’d like that wouldn’t you.”

Helen watched the girls fi dgeting with amusement and wasn’t surprised when they said they had places to go. “After all Aunty, we don’t want to tire you,” Evie had said insincerely.

“Off you go girls, enjoy yourselves,” Helen told them smiling sweetly. In-wardly she chuckled, how horrifi ed they’d be when they found out that

the life model was their meek little maiden aunt. They’d have an even greater shock when they found out that she and Gordon, the art teacher she’d met, were selling their houses and leaving the country together at the end of the month intending to travel the world until they were ready to settle down.

“You’re looking very pleased with yourself Helen, retirement must really suit you,” Carol said turning towards her after watching her daughters dis-appear into the busy crowds.

“Oh yes, it suits me very well,” Helen replied happily. “Now Carol, would you like a large brandy, I think you may need it – you see, I have something important to tell you.”

by Jan Johnstone

SHORT STORY COMPETITION WINNER

Right: Model at The 50+ Show London in July 2011.

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good at all at hiding their feelings. As usual Carol’s conversation turned to Evie and Sharon and their latest craze, painting.

“They’ve decided to take up life classes, haven’t you girls,” Carol ex-plained, “I’m sure they’ll do well, al-ways been good at dabbling with paint haven’t you? You’ll be able to do a painting for Aunty Helen; you’d like that wouldn’t you.”

Helen watched the girls fi dgeting with amusement and wasn’t surprised when they said they had places to go. “After all Aunty, we don’t want to tire you,” Evie had said insincerely.

“Off you go girls, enjoy yourselves,” Helen told them smiling sweetly. In-wardly she chuckled, how horrifi ed they’d be when they found out that

the life model was their meek little maiden aunt. They’d have an even greater shock when they found out that she and Gordon, the art teacher she’d met, were selling their houses and leaving the country together at the end of the month intending to travel the world until they were ready to settle down.

“You’re looking very pleased with yourself Helen, retirement must really suit you,” Carol said turning towards her after watching her daughters dis-appear into the busy crowds.

“Oh yes, it suits me very well,” Helen replied happily. “Now Carol, would you like a large brandy, I think you may need it – you see, I have something important to tell you.”

SHORT STORY COMPETITION WINNER

Right: Model at The 50+ Show London in July 2011.

--------------------------------------------------------------------------------------------------------------------------TRUE STORY COMPETITION WINNER

Tanguera: A True Storyby Margaret Pigott

When I was a little girl, I at-tempted ballet but, being plump and unco-ordinated,

I soon gave up - perhaps I focused too heavily on sugar when trying to emu-late the Sugar Plum Fairy! Thereafter, whilst I grew up, married a very spe-cial man, brought-up two wonderful children, and had a fulfi lling career in the public sector, I only ‘danced’ at parties.

But about four years ago, well into my fi fties, I braved a Latin Dance class at my local gym. I was encouraged by the others who were also middle-aged women and novice dancers. We loved our lessons where we slowly learned basic Cha Cha, Merengue, Sal-sa, Rumba and (slow) jive, albeit with-out a partner! Sadly, nothing could induce my husband to dance. When, many months later, our teacher intro-duced Argentine tango I realised I’d found my dance and decided to try specialist tango classes.

It wasn’t easy, particularly as I wasn’t used to dancing with a part-ner, let alone in ‘close hold’! And it was even more daunting to discover that Argentine tango is one of the most diffi cult dances to master as it’s totally improvised. The leader has to decide each move, interpreting the music, lead eff ectively and navigate the dance fl oor. But the follower has to understand and follow the lead, know the moves, respond to the mu-sic including adornments if timing and partner allow, and (plagiarising Ginger Rogers) do it all backwards whilst balancing on stiletto heels!

Despite almost imperceptible pro-gress, my passion for tango grew. The exhilaration of tango is impossible to explain but most get addicted, some even a little obsessive. Many tango dancers would agree with the phi-losopher Nietzsche that ‘We should consider every day lost on which we have not danced’.

Unfortunately, I then fell ill and had to stop working – and dancing - for several months. (On the positive side, I dropped two dress sizes and bought a whole new wardrobe). Eventually I returned to work, and a little tango, but after six months, was advised to retire. Giving up a stimulating, exciting job prematurely and living with ongoing illness (as well as other medical conditions) takes a little adjusting to; so does only being able to dance when well enough. Happily my health has im-proved as I can now pace myself, there’s no morning alarm, and I’ve the perfect excuse for watching fi lms during the day. However, when I was recently diag-nosed with another disease, I did feel I was collecting ill-nesses in the way teenagers collect Facebook friends. Medicines now make up most of my daily calories and I rattle when dancing!

But retirement has brought free-dom to choose and I’ve decided fam-ily and friends, voluntary work and tango are now my priorities. When-ever I have energy I dance and when dancing I forget everything except the magic of the moment and how happy I am.

And, gradually, I have improved. I now wear glamorous shoes and exe-cute (restrained!) ganchos and boleos – entwined legs, fl icks, and kicks. I also attend ‘milongas’ (social dancing) with beautiful music and partners of all ages, backgrounds and nationalities but who share a passion for tango. It’s just wonderful and could only be improved if my husband danced too.

I’ve found dancing to be life-

changing and life-enhancing. Eve-ryone should try it – if I can, anyone can! As well as the sheer joy of danc-ing, connecting with your partner and the music, I’ve made new friends and have something fabulous to look for-ward to when well and not so well. My goals? Promotion to the Advanced Class, to tango in Buenos Aires, and dance until I drop because ‘you don’t stop dancing because you grow old, you grow old because you stop danc-ing’.

I fi nd it miraculous that a not very robust pensioner, who only started dancing well into middle age, is slowly transforming herself into a ‘tanguera’!

© Maggy Pigott 2012


Above: Dancing couple at The 50+ Show in Manchester 2011

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BEING FABULOUS AND 50+Recent research* discovered

that; 44% of women are un-sure of their body shape, 1 in 3

women buy clothes they never wear and 99% of women say they have bought clothes that don’t suit their fi gure. So how do we avoid joining these percentages and at the same time enjoy the latest trends without falling into the trap of dressing like our daughters?

It is important to always buy clothes that fl atter your fi gure. There are many online sites that can help you discover which shape you are. So whether you’re an apple or a pear, highlight your best features and cover up those areas that you don’t want to emphasise.

Soft fl owing fabrics, fl oral patterns and bright bold colours are a few of the key trends for this summer. Soft jersey fabrics are great for holi-days, comfortable to wear and easy to pack. There are a range of jersey maxi dresses available on the High Street in bold prints, great for the

fuller or pear shaped fi gure. The empire line works well, skim-ming curves and providing an elegant silhouette. The maxi dress can be teamed with a shrug or a wrap to provide a bit of cov-er to the upper arm area.

Bright bold acces-sories or metallic shoes and bag, for a party feel, can be added to en-

sure an outfi t that is right on trend. Buying clothes from High Street

stores can be exasperating as they tend to cater for the straight up and down fi gure. If you have a curvy body the best way to accommodate this is to buy separates which allows you to buy diff erent sizes to ensure a perfect fi t. Buy the next size up if necessary; don’t squeeze into that skirt because you tell your friends you’re a size 10. Get the size that looks best on you,

size really doesn’t matter! It’s important to feel comfortable in your clothes, if you feel good you’ll look good.

er to the upper arm area.

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to feel comfortable in your clothes, if you feel good you’ll look good.

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As we get older it is important to keep clothes simple.

Accessorising is essential but don’t mix too many elements within your outfi t. Frills and ruffl es can result in the “mutton dressed as lamb” eff ect, which is something to be avoided at all costs. Instead stick to beaded em-bellishments to add that extra fl ourish to any dress.

Floral prints and appliqué are also in vogue this season and can be

found on dresses and a range of skirts. Pastels, particularly metallic ones have featured heavily of the catwalks of Mi-lan and Paris. These ice cream shades can be worn day or evening provid-ing a classic look for the less extrovert amongst us. This soft feminine style is in sharp contrast to the ethnic and jungle prints which are also popular with designers this year.

These vivid patterns in vibrant, bold hues can be worn all over or if

you don’t feel comfortable in that snake print dress try a blouse or mid length skirt teamed with a plain top or trousers. Remember with all trends you don’t have to adopt every aspect embracing a few elements is enough to ensure your wardrobe is up to date.

Colour is hot this year. Red, fuch-sia and pink should feature in your summer wardrobe but if you don’t

want to draw attention to certain areas the use of block colour that can be teamed with black works well. If you really do have to wear black then add a vivid bag and shoes or for the really daring go neon. Yellow is has made a welcome return this season but doesn’t suit all skin tones, so if you can’t wear that yellow dress you can still add a hint with cardigan or

BEING FABULOUS AND 50+--------------------------------------------------------------------------------------------------------------------------

FASHION

by Mandy White

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blouse. So start experimenting with colour, the brighter the better. In this Diamond Jubilee year, red, as we have already mentioned, but also bold blue, are key colours. Add a bit of glitter with sequins or diamante to capture the spirit of the celebration. With this in mind, the 50’s are back. To create this look, team an A-line skirt with a fi tted jacket or top and add a smart clutch bag, belt and scarf to get

the look. Per-fect if you have an hourglass fi gure.

Whatever shape or size you are you can look fabulous. Many retailers off er personal shopper services to help you. Shopping with friend is also a good option and when they suggest trying something on as they think it will suit you give it a go. You never know you might be surprised. Catalogues and online are also a great way to shop as they give you the opportunity to mix and match clothes without walking miles. Fashion should be fun, so make sure you’re looking 50+ and fabulous.

Mandy White, Director at White Events Management, is the Fashion Producer of this year’s London 50+ Fashion Show.

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--------------------------------------------------------------------------------------------------------------------------FASHION

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--------------------------------------------------------------------------------------------------------------------------PHOTOGRAPHY COMPETITION WINNERS

50+ SHOW PHOTOGRAPHYCOMPETITION


Winners & runners-up in this year’s 50+ Show photo competition



Winner: Carys Evans’ ‘Strawberries on the beach’

Category: Simple Things



Winner: Graham Mealand’s‘Mexican Butterfly’

Category: Nature’s Gifts

Category: Loving LifeWinner: David Shuttleworth’s

‘1km zip slide Nicaragua’




Above: Category ‘Simple Things’ Runner-up, Fishing by Margaret Pigott

Below: Category ‘Nature’s Gifts’ Runner-up, Lady Bird by Bill Ball

Make sure your moneySince I started my website over

two years ago, I’ve had over 500 questions to my ‘ask the

expert’ panel, and if there’s one area that women – and men – are keen to get advice on, it’s how to invest when they reach retirement. There’s no doubt that in the current low interest rate environment it’s a big challenge.

Interest rates on savings aren’t keeping up with infl ation and, even though many predict that infl ation will begin to fall, it’s widely acknowl-edged that older people experience a much higher rate of infl ation than many others, because more of their income goes on heating and food, which have seen prices rise sharply over the last few years. So how can you squeeze the maximum out of your retirement fund?

1. Take expert advice, if you canI’m a big fan of good independ-ent fi nancial advice. If you’re go-ing to take professional advice about your fi nances, it’s vital that the adviser has all the cor-rect qualifi cations and specialist knowledge of the area you’re looking for advice on (whether that’s pensions and annuities or savings and investments). But their attitude to their clients is also important and the adviser can only recommend what’s truly best for you if they’ve lis-tened to you.

SAVVYWOMAN TIP: It’s important to feel comfortable with the adviser you’re dealing with. You’re entrust-ing them with your money (whether it’s tens of thousands or hundreds of

thousands of pounds), so it’s impor-tant that you can be open and honest with your adviser and that they won’t try and encourage you to take out a product that’s not right for you or that you don’t feel comfortable about.

2. Understand the relationship be-tween risk and reward

If you keep all of your money in sav-ings you will fi nd its value is eroded by infl ation over time. Having said that, if you don’t need to preserve your capital you should weigh up the ben-

efi ts of keeping it in cash and seeing it eroded by infl ation versus taking a risk with some of it in the hope it pro-duces a higher return.

Don’t assume it’s an all or nothing approach or that it’s a ‘one off ’ deci-sion. You can start by investing small

amounts and see how you feel after a while. Some people get very worried about exposing their money to any amount of investment risk whereas others don’t. What’s key is that you are very clear about what you’re investing in and understand the worst – as well as the best – that may happen.

SAVVYWOMAN TIP: Be aware that keeping money in cash isn’t risk free. Even ignoring the infl ation risk, banks can fail. There is a safety net for UK au-thorised banks and building societies

(which also covers the vast majority of overseas banks, although there are a handful based in the EU that have signed up to their own country’s sav-ings compensation scheme instead). The safety net protects saving up to £85,000, per person per authorised

--------------------------------------------------------------------------------------------------------------------------MONEY MATTERS


DOESN’T RETIREWHEN YOU DO!

bank, not per banking ‘brand’. For ex-ample, HBOS’s licence covers a range of brands including Bank of Scotland, Halifax and BM Savings.

Higher risk doesn’t guarantee a higher reward (as one investment ex-pert told me, ‘higher risk means higher risk; higher rewards are not a given’). Equally, don’t automatically assume that you can’t take any risk. With many retired people living for 20 or 25 years after they stop work, it should mean you have time to ride out the ups and downs of the stock market.

SAVVYWOMAN TIP: Although a number of investment experts are fair-ly gloomy about the prospects for the stock market over the next few years, don’t assume all stock market invest-ing is the same. There are some sound (and undervalued) companies out there. Be prepared to do a fair amount of research or to take expert advice on what to invest in.

Be aware that some advisers see people who are approaching retire-ment and who want an income from their lump sum as easy money and will

try and persuade you to take on riskier investments than you’re comfortable with. Don’t invest in anything that you don’t understand or feel happy about and only rely on information that’s been written down and given to you (not what’s said in your meetings), be-cause that’s what it would come down to if you had to make a complaint about the advice you were given.4. Work out how much of a tax free lump sum to take

One of the biggest decisions you’ll have to make is to work out how much of your pension to take as a tax free lump sum. Many people go for the maximum amount but it’s not al-ways the best approach.

If you have debts. If you owe mon-ey, especially if it’s on something like a credit card or personal loan, it’s defi -nitely worth trying to pay that off with your tax free lump sum.

Find out what you’d give up by tak-ing the maximum lump sum. You may receive £12 or £15 in cash for every £ of income that you give up but you may receive twice that in income ben-efi ts (i.e. the equivalent of £30) once

you factor in a spouse’s pension.Your tax situation is important. If

you’re a higher rate taxpayer or if tak-ing a higher income would mean you become a higher rate taxpayer, max-imising the tax free lump sum may be more attractive.

SAVVYWOMAN TIP: Taking a higher income and maximising your tax free lump sum don’t have to be mutually exclusive. You can use your tax free cash lump sum to invest in in-come-generating assets (and you can even buy an annuity, if a guaranteed income is important to you).

--------------------------------------------------------------------------------------------------------------------------MONEY MATTERS


If you found this article interest-ing, come and see me at my stand, come to one of the ‘Money Matters’ panels, which I’ll be chairing, or sign up for free fortnightly email newsletters on: www.SavvyWoman.co.uk, which have advice and tips on how to get more from your money.

- Sarah Pennells, SavvyWoman

7

Come chat to us at the 50+ show at Olympia (C15)

If you are over 50

• Life review • Holidays • Interests • Home • Heart.

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WE ARE

Visit www.laterlife.comthe leading over 50s web site

Packed with useful information, informativemonthly articles, later life guides, self-assessors, competitions and offers, all

specifically aimed at those of us over 50.

And when you visit do try our new free‘What shall I do today?’ one-armed bandit

at www.laterlife.com/bandit.htm

Financial solutions to enhance your life –

I can aff ord my daily living costs, but how do I actually get to enjoy myself?You are not alone in thinking this, many of us wonder how to treat our-selves or take on that redecoration or home improvement project. We know what we would like to do, but worry how we can fi nancially man-age it. There are diff erent options we can consider; like mini savings plans, selling things we don’t mind doing without, or maybe releasing some of the value within our homes through an equity release product.

I’ve heard of equity release, but what actually is it?Put simply, equity release is a meth-od for releasing some of the money stored up in your home, without the need to move. There are two main types of equity release, home rever-sions and lifetime mortgages. The most popular by far is the lifetime mortgage.

What is a lifetime mortgage?A lifetime mortgage is a safe way to access some of the money in your home and as you will always retain ownership of your home, and your home will never be repossessed, it also means you can stay in your home for the rest of your life or for as long as you wish to do so. Lifetime mortgage products are regulated by the Financial Services Authority (FSA) and have many safe-guards built in to provide protection and ensure the products are safe and reliable for consumers. If you are considering fi nding out more about the diff erent types of equity release products, you should always seek professional fi nancial advice and en-sure you are dealing with a reputable lender who is authorised and regu-lated by the FSA.

So how exactly does it work?A lifetime mortgage works much in the way of a standard mortgage but for the over 55s and the money is paid to you as a lump sum, to spend in any way you so wish. However you can choose to not make any repay-ments if you wish and in that case the loan amount and the interest will be added together and repaid at the time of your death or move into long-term care, using the cash gener-ated from the sale of your home. The rest of the proceeds from the sale will go to whichever benefi ciaries you have specifi ed.

The other option available is to pay all or part of the monthly interest; therefore the end loan amount will be the same, or close to, the original loan amount. By paying the inter-est monthly, it allows you to protect a greater proportion of the value in your property for inheritance pur-poses.

What safeguards are there?All lifetime mortgage providers will off er similar safeguards, although there may be some diff erences from lender to lender. Your fi nancial advis-er will be able to talk to you about the diff erent options and who the diff er-ent providers of lifetime mortgages are. As an example, Stonehaven (the leading independent specialist life-time mortgage provider) have the following safeguards on their prod-ucts: 1 - No negative equity guarantee – you will never end up owing more than the value of your property and your family will never be left with any debt. 2 - Portability - if you move home, you can move the loan under the same terms and conditions.

3 - Fixed interest rate - the rate of interest is fixed for the duration of the loan, ie: fi xed rate for life.4 - Retain ownership - you keep ownership and control of your prop-erty.5 - Not Repossessed - you will be able to stay in your home until your death or move into long-term care, without the concern of your property being repossessed. Regulated - au-thorised and regulated by the Finan-cial Services Authority.6 - Free Protected Equity option - you can choose to protect a per-centage of the eventual sale of your home. This means that the percent-age you choose to protect is guar-anteed to be available to you or your benefi ciaries in the future. There is no charge for this guarantee. 7 - Avoid interest roll-up - if you choose to pay all or part of the inter-est on a monthly basis by direct deb-it, you can avoid interest roll-up and

------------------------------------------------------------MONEY MATTERS


UNDERSTANDING THE OPTIONSBy Rose Wilson, fi nancial expert, Stonehaven

lessen the impact upon later inherit-ance for family members.

In what circumstances do peo-ple consider a lifetime mortgage?The truth is that a lifetime mortgage can potentially suit many diff erent circumstances and can be a sensible fi nancial solution for consideration. Some of the most popular reasons for a lifetime mortgage to be taken out are the following: Retirement funding - we all want to be able to enjoy retirement; whether this is by taking a luxury holiday, buy-ing a new car, throwing a retirement party, or just having more funds to live day by day in comfort. Inter-generational gifting - to be able to gift some inheritance sooner rather than later; a popular reason for this is to help out a child or grandchild get onto the property ladder by pro-viding them with a deposit, or to help with university fees. Home-improving - to fund home-improvement; a new kitchen, build a conservatory, re-decorate, landscape your garden. We all have something we would love to improve about our homes and a lifetime mortgage can provide the fl exibility and means to do it.House purchases - maybe you want to purchase a new property and re-quire funds in addition to the value you will be able to generate from the sale of your current home to aff ord the new purchase; a popular reason

for this is the desire to move closer to family members or to an area you are particularly fond of, which happens to be more expensive to buy in than your current area.Second homes - maybe you would like to purchase a second property; somewhere that can be enjoyed at weekends or for holidays, whether this is home or abroad.Consolidating - sometime we may want to consolidate and clear out-standing debts, allowing fi nances to be more manageable and on better rates; one reason for this is if you had an interest-only mortgage and the endowment or investment attached to it has underperformed leaving a shortfall on capital repayment on the existing mortgage.Long term care funders - funding a partner or parents care needs or pri-vate medical bills.

Isn’t equity release just for old or desperate people?No, equity release should not be seen as a product of last resort aimed at an elderly audience, this simply is not the reality. It is the sensible and fi nancial-ly savvy person who looks into all of the options out there, that is now the typical equity release customer. The times have changed and the average borrower is getting younger all of the time, and will often have a beautiful home they are proud of and a zest for enjoying life.

So how do I know if I am eligible for equity release?

If you are over 55 years old, a home-owner and a UK resident, you are likely to be eligible for an equity release product. There are however diff erent factors to be considered and the amount of money you can generate can diff er, but your fi nancial adviser will provide guidance and rec-ommendations and will fi nd you the best possible fi t for your requirements and situation.

Equity release may involve a life-time mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration.

Rose Wilson is a Senior Manager at Stonehaven and passionate about the benefi ts equity release can bring to many people. She has worked within the Financial Services industry for 12 years, having built up experience at many of the large banking groups, she now says she feels much more at home in the smaller, independent and in-novatively-minded Stonehaven. Rose has been involved with understanding customer needs and concerns about fi nancial products and services, using this knowledge to then help build bet-ter fi nancial solutions.

--------------------------------------------------------------------------------------------------------------------------MONEY MATTERS



It is heartening to know that, as a nation, we are living longer with the average life expectancy in the

UK soaring to more than 80 years old. As visitors to this week’s 50+ Show clearly understand, there are plenty of opportunities to make these later years, the ‘Golden Years’.

It is, however, increasingly impor-tant to consider and plan how your aff airs will be managed for the future. With this in mind, it is a diffi cult but inescapable fact that sadly, there still may come a time when you or your partner become either unable or un-willing to make important decisions; at such a time, assistance is required to manage your property, fi nancial af-fairs or personal welfare.

This situation is all too common, compelling many people to take the decision to formally appoint a friend,

relative or professional to act on their behalf in certain predefi ned areas of their aff airs. Usually, this takes the form of a Lasting Power of Attorney

(LPA) –a legal document that, quite simply, enables one person to act as an ‘attorney,’ making decisions on behalf of another.

Types of Lasting Powers of Attorney

Property and Financial Aff airs LPA - This gives your attorney authority to deal with your property and fi nances, as you specify and subject to any re-strictions or conditions you might have included; this could include pay-

ing bills, collecting income and bene-fi ts or selling your house (as required). It can only be used once it has been registered at the Offi ce of the Public Guardian (OPG).

Health and Welfare LPA - This al-lows your attorney to make health and welfare and care decisions on your behalf when you fi nally lose the capacity to do so yourself. This could also extend, if you wish, to giving or refusing consent to the continuation of life sustaining treatment.

Who can make an LPA?Anyone aged 18 or over with the men-tal capacity to do so can make an LPA, appointing one or more attorneys to make decisions on their behalf.

Who to appoint?Clearly, this is an important document and you should take care in deciding who you appoint. They should be trust-worthy and have appropriate skills to make the necessary decisions on your behalf. If you appoint more than one attorney, you can appoint them to always act together (jointly), together and/or sep-arately (jointly and severally) or a combination of the two.

Your attorneys must follow the principles set out in the Mental Capacity Act when they are making decisions or acting on your behalf. They must always act in your best interests and consider your needs and wishes as far as possible. When possible, at-

--------------------------------------------------------------------------------------------------------------------------MONEY MATTERS

PROTECT ENJOYANDPROTECT by Edward Foster

torneys should take all practical and appropriate steps to help you make a particular decision. An attorney must consider your past and present wish-es.

The attorneys must not take advan-tage of your position to gain any ben-efi t for themselves. They must keep any of your money and property sep-arate from their own and from that of other people and they must keep ac-counts of any dealings on your behalf.

Attorneys must keep aff airs relating to the LPA private unless otherwise stipulated on the LPA form or if it can be demonstrated that it is in your best interests to pass on information to somebody else.

The role carries with it power and responsibility and should not be en-tered into lightly.

You may also choose to appoint a successor to your attorney, in case they die or otherwise cannot act for you.

When can the Attorney act?The attorney will only be able to act when the LPA has been signed by you and your attorney, and certifi ed by a professional person (confi rming that you understand the nature and scope of the LPA and have not been unduly pressured into making the power). This could be a solicitor, your doctor or another independent person that you have known personally for at least two years. A family member, attorney or relative of your attorney cannot be such a “Certifi cate Provider”.

The certifi cate will also need to confi rm there has not been any fraud or another reason why you cannot make the power.

The LPA must then be registered with the Offi ce of Public Guardian be-fore it can be used by your attorney.

The property and fi nancial aff airs LPA can be used both when you still have mental capacity to act in relation to your own aff airs, as well as if you lack mental capacity to make a fi nan-cial decision.

The health and welfare power can only be used if you lack mental capac-ity to make a welfare or medical deci-sion.

How do you make an LPA?There are separate forms to be com-pleted for each type of LPA.

The forms must be registered at the Offi ce of the Public Guardian before they can be used.

Although you do not have to seek legal advice when preparing an LPA, it is a powerful and important legal document and it may be prudent to seek advice from a qualifi ed Solicitor, with appropriate experience, in ad-vance.

Edward Foster is Senior Partner at Fosters Law – Solicitors skilled at managing the legal aff airs of the over 50s. Edward is a Full Member of Solicitors for the Elderly.

--------------------------------------------------------------------------------------------------------------------------MONEY MATTERS


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CLIMBNEW HEIGHTS

Article written by: Andrew ReidImage by Peter Keeble, runner-up in The 50+ Show Photography Competition 2012

For many people of our age, climbing means ‘that chap Chris Bonington,’ some terrible deadly

mountain called the North Face of the Eiger and slightly mad lads climb-ing Everest fuelled by mint cake. It doesn’t sound like an activity to get in-volved in…or rather it wasn’t. Climb-ing has come in from the cold… liter-ally, and there are few large cities and towns without an indoor climbing wall these days. Venture through the door of one and you’re presented with a mass of multi faceted climb-ing surfaces, all dotted with a rainbow of climb-ing holds. Observe the climbers and one thing is clear, this is no longer just a young person’s activity. That silver-haired lady glid-ing over the surface may be the grandmother of the young lad in the climbing lesson but her style, grace and neat footwork bring to mind vertical Tai Chi.

All the old excuses of ‘I’m old, unfi t, weak and too stiff ’ are redundant as this is a great state to be in when starting. Too much muscle and you’ll try and haul yourself up the walls, huffi ng and grunting like Hollywood’s fi nest. It may look good on the screen but it doesn’t work on a climbing wall. A bit of balance and the ability to stand on your feet will do nicely to start with. You walk up stairs, you walk up a hill and it’s the same with climb-ing. The upward motion comes from your legs and your hands and arms do more to help your balance. Climb regularly and you’ll begin to notice a few things. You become more fl ex-ible. Your body begins to tone up and surplus weight starts to disappear. Don’t ask me where it goes, one day you had a wobbly bottom and then sometime later a prodding fi nger en-counters defi nite fl eshy resistance. Climbing is about 3D movement, thinking and fi nessing your way up the climbing holds and conserving energy. We’re not talking the bulky muscle of the gym-bound metal mover; we want the slim grace of the long distance runner.

When you go into a climbing wall there’ll be lots of diff erent climbing surfaces. Some at easy angles, some steep and overhanging but all cov-ered with climbing holds of diff erent sizes and shapes. A few are so large you can grasp them with both hands. Others may require a bit of help from your bifocals...or at least will appear that way on fi rst acquaintance. Don’t worry.

You’re go-ing to be amazed just how

little you need to support yourself as experience grows. The holds will be set out in a sequence and that sequence will have a grade of diffi -culty. This will allow you to see how you are progressing; and for some ‘grade chasing’ becomes quite se-ductive. It is usual for these holds to be removed, cleaned and replaced in diff erent sequences on a regular basis. This means you’re constantly getting new ‘problems’ to try. Some climbing surfaces will have impact mats below them and these are climbed without the back-up of ropes or harnesses. We call this ‘bouldering’, just like climbing all over a large natural rocky boulder. Not too high so if you fall off it prob-ably wouldn’t hurt. Other walls are much taller and these require the use of ropes and harnesses. You are still

climbing using the climbing holds for your hands and feet (the proper meaning of free climbing); but should you fall off , your partner can control the rope using a small simple friction ‘belay’ device and stop your fall. You can either get back on to the wall or be lowered down to the ground. The devices are very eff ective and simple

to use, and you often see daugh-ters and sons belaying their par-ents.

So how do you start? It’s quite easy really. Do a web search for climbing walls near you. Most of them do taster sessions or beginner courses. A course will teach you to put on a harness, tie the rope to the harness with a simple but eff ective knot and use a belay device. The course will include climbing techniques and movement and you’ll use these on both the roped climbing walls and the un-roped bouldering walls. Afterwards you’ll be able to visit climb-ing walls and practice your new skills, wob-bly at fi rst but they soon get better. You’ll fi nd climbing very

sociable because everyone’s in the building for the same reason; and one of the nice things is the way climb-ers all talk the same language and share the same sensations despite their diff erent levels of performance. Watch climbers talk and they don’t just describe, they re-enact the climb. It is a tactile activity and amusing to watch the hands and bodies shape and twist. Then one day, you too will look up at the rock face, and in your mind you will be sliding your fi ngers over each and every curve, weighing their shape, assessing how best to use them…and you will be a climber.

Andrew Reid is the CEO of Mile End Climbing Wall and the Chair of the Association of British Climbing Walls.

For more information visit:www.mileendwall.org.uk

movement and you’ll use these on both the roped climbing walls and the un-roped bouldering walls. Afterwards you’ll

ing walls and practice your new skills, wob-

STAYING ACTIVE--------------------------------------------------------------------------------------------------------------------------


--------------------------------------------------------------------------------------------------------------------------GARDENING

We all know that gardening is good for you – but it can be a lot of fun too, espe-

cially with a bit of forward planning. Even with our unpredictable British weather! As we approach the highs and lows of retirement years, the ben-efi ts of gardening really come into their own. First off there is the gentle exercise - yes, it doesn’t have to be a marathon workout, especially if you choose light weight and long reach tools to help you out. Then there are the positive therapeutic eff ects gar-dening has on our mental well-being, which are thoroughly documented now. The exercise and fresh air helps with a good night’s sleep too. It gives us the opportunity to grow our own fruits and vegetables,which means wonderful fresh tasty food at a frac-tion of supermarket prices. And last but not least it gives us a fantastic out-look from the window, all year round.

Working for a garden design com-pany, I often get asked to create a low maintenance garden for people

whose lifestyles are changing, and I’d say that these are the most important factors to consider when planning a garden revamp:

1. Do you really need a lawn? How about some interesting natural paving, gravel or cobbles, with lots of planting around to soften the space? I like a stretch of green grass myself, but believe me it’s not essential. Love them or hate them, lawns are hard work. Or you could even consider an artifi cial one – they are getting much better than the “greengrocers shop window” look they used to have. Give the lawn mower to a neighbour and put your feet up.

2. Raised beds are much easier to tend than beds at ground level, especially if they have properly designed sides which also provide comfortable seating.

They can be traditional - in London we often use yellow stock brick to match the house walls - or more mod-ern, such as rendered walls painted in white or indeed any colour you like. Or they can be made simply from wood or railway sleepers. They are defi nitely worth considering if you want to spare your back. You get ex-tra seating too, which is a bonus!

3. And the most crucial factor – the planting. How much work you do in the garden often comes down to the choice of plants.

If you put the right plant in the right place then you won’t be fi ghting to make it survive, it’ll just do what comes naturally. If you plant lots of annuals you’ll be kept busy all summer, plant-ing up, watering, deadheading, and so on. Instead, plant brightly coloured perennials that come back every year, and life gets easier. If you really need to cut down on gardening but don’t want to look out on a desert, plant a mix of evergreen and deciduous fl ow-ering shrubs and climbers to give you an everchanging vista throughout the year.

Don’t forget, the garden is there to give you pleasure, not work you to the bone - if it’s not fun, then something needs a rethink.

Even a tweak can make all the diff erence!

Caro Sanders is the Principal Designer at Caro Garden Design in West London

www.carogardendesign.co.uk

GARDENING FOR FUN by Caro Sanders


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Visit Caro at the Gardening Q&A panel, or call 020 8566 3750

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Residential parks… where the living is easy ‘Residential parks... where the living is easy.’

For thousands of people, a resi-dential park home lifestyle has come to mean security, peace of

mind and a delightful living environ-ment - plus real fi nancial benefi ts…

For many people, the prospect of retirement can be daunting. With less income available, is seems inevitable to them that compromises will now have to be made. But for tens of thou-sands of others, quitting work or sim-ply easing off has signaled the start of a much more comfortable lifestyle.

These people own residential park homes - and have discovered that a dreamt-for paradise of security, beau-tiful surroundings, and a worry-free living environment is well within their fi nancial grasp.

All it can take to make this dream a reality is the sale of a bricks-and-mortar house – and the purchase of a park home. For many, such a move has left them thousands of pounds in the black, and provided the means to enjoy a comfortable and secure living.

So what exactly is a park home?

Most look exactly like traditional de-tached bungalows - and have their own gardens, and often a private car-parking area. There’s very little dif-ference in appearance to a conven-tional brick-built property - and once you step inside, there is even less to suggest that this home was built in a workshop rather than on site.

The fact that the home is transport-ed, complete, from the workshop to the park gave rise to the old term “mo-bile home”. In most cases, the destina-tion park is where the home spends the rest of its life.

Bedrooms, living rooms, kitchens, bathrooms and hallways are all gen-erously proportioned with plenty of natural light. There will be built-in cupboards and wardrobes, central heating and double glazing: even the high quality furnishings and carpets are workshop fi tted by skilled crafts-

men, allowing the home to be occu-pied immediately after it has been sited on the park.

Park homes are designed to be extremely low-maintenance throughout their long lives, mean-ing there’s little risk that you will ever be faced with major structural head-aches or sudden high repair bills. Consider the amount of time and money you probably spent looking after a bricks-and-mortar house, and this represents another major ben-efi t of park home living.

Sky-high heating costs could also become a distant memory. Park homes are extremely well insulated, and in many cases off er energy sav-ing values which are superior to brick-built properties.

It’s warm inside, but what many park home dwellers also appreciate is the warmth of the community into which they have moved, helped by the fact that most other park home owners are likely to be of a similar age and outlook to them.


Some examples of park homes: above and right, Kings Park Village, Canvey Island, Essex; below right, Willow View Park, near Dartmoor, Devon

--------------------------------------------------------------------------------------------------------------------------RESIDENTIAL LIVING

‘Residential parks... where the living is easy.’

Many residents say that what they really enjoy about park home living is the old-fashioned sense of ‘neigh-bourliness’ which seems to have disappeared from most aspects of urban life.

In practice, this means that everyone respects each others’ privacy on a residential park – but that there is a strong feel-ing of being within a friendly community of like-minded people, always willing to lend support or provide assistance if required.

That’s why, for those in or

nearing retirement, a residential park in the area of their choice can off er a much better alternative to settling amongst strangers in a range of diff er-ent age groups.

Then there’s also the advantage of the park environment itself which is designed specifi cally with the conven-ience and enjoyment of its residents in mind. Most parks invest substan-tial sums in creating and maintaining very high quality surroundings, from well-lit walkways and sitting-out areas to community meeting centres and

landscaped gardens.In fact, the quality of the natural en-

vironment on many residential parks has prompted conservationist David Bellamy to institute an award scheme which recognises the achievements he has found.

Professor Bellamy says he was “ab-solutely amazed” at the superb ef-forts being made on residential parks to protect and enhance the natural world from bird boxes and special wildlife zones to the planting of indig-enous trees and the creation of natural habitats such as ponds.

Certainly the lifestyle off ered by a residential park is one of which most people only dream… yet it can be an easily aff ord-able proposition, especially if you have an existing house to sell.

But what of the value of your park home? Can it, like a bricks and mortar property, also be regarded as an ap-preciating asset un-der the right condi-tions?

The answer is ‘yes,’ for the change in value of park homes has been found to refl ect the conventional property market… increasing by similar per-centage fi gures when housing costs rise.

Purchase costs compare very fa-vourably with conventional proper-ties, and many people fi nd that the sale of a larger family house provides suffi cient cash to buy a luxurious,

modern park home – with enough funds left over to ensure fi nancial se-curity in later life.

As to the actual costs, these of course vary according to the model chosen, and the market value of the land on which the home is situated – precisely the same factors, in other words, which infl uence the price of a conventional house.

The greatest choice is to be found within the £60,000 - £90,000 price range, although prices do start from as little as £40,000 and rise to well over £100,000 in traditional retirement ar-eas in the South of England.

It’s little wonder then that park liv-ing is gaining in appeal all the time to more and more people.

But as with any investment, care needs to be taken when making a de-cision - so be sure to do your home-work, says the British Holiday & Home Parks Association.

You can fi nd details of over 800 parks on the Internet at www.park-home.co.uk – the web site includes maps and simple-to-use tick boxes to help match your precise requirements to a short-list of residential parks in your chosen area.

‘Many residents say that what they really enjoy about

home park living is the old-fashioned sense of ‘neigh-

bourliness’ which seems to have disappeared from

most aspects of urban life ’

--------------------------------------------------------------------------------------------------------------------------RESIDENTIAL LIVING


How do park homes diff er from conventional houses?The only real diff erence is the method of construction - even though many have the appearance of an attractively designed and traditionally built bun-galow with a pitched roof. Once in-side, there’s nothing to suggest that you are anywhere other than in a fully-equipped and luxurious modern dwell-ing. There will be good sized living areas and a separate kitchen, built-in cupboards and wardrobes, two or three bedrooms and fi tted bathroom. Central heating and double glazing are usually installed as standard, and so is carpeting throughout.

So how is the home actually built?It’s not so much ‘how’ as ‘where’ which makes the main diff erence. Park homes are constructed under carefully con-trolled workshop conditions to British Standard BS3632 before being thor-oughly checked and transported to the park. Here they are sited on a concrete base and connected to all mains ser-vices such as electricity, drainage and sometimes mains gas. In theory, the home can be disconnected and taken by a low-loader to another location – but in practice most park homes stay throughout their lives on the original plot.

What materials are used?A park home is timber framed and pro-vided with a tough and durable weath-erproof exterior, plus a textured fi nish. Particular attention is paid to achiev-ing a high level of insulation – often of equal or superior value to cavity wall buildings. This keeps heat loss and fu-ture energy bills to a minimum. Park homes are designed for easy mainte-nance, and owners are most unlikely to be faced with the sudden high repair bills, which are a common feature of bricks-and-mortar life.

How do the costs compare with conventional housing?They compare very favourably, and many people fi nd that the sale of a larg-er family house provides suffi cient cash to buy a luxurious, modern park home with enough funds left over to pro-vide fi nancial security. As to the actual

costs, these of course vary according to the model chosen, and the market value of the land on which the home is situated – precisely the same factors, in other words, which infl uence the price of a conventional house. The greatest choice is to be found within the £30,000 - £80,000 price range, although prices do start from as little as £40,000 and rise to over £100,000 in traditional retire-ment areas in the South of England.

How much should be budgeted for park fees?These vary up and down the country depending on the location of the park, and range from £70.00 to £120 per month. The income is largely used by park owners for the maintenance and improvement of the park environment. Increases in fees can only be made in accordance with the requirements of the Mobile Homes Act 1983.

Does this legislation off er any other protection to owners?It does indeed. The Mobile Homes Act 1983 give owners of the park homes se-curity of tenure – and that is probably its single most important safeguard. It also gives the owner the right to sell the home on the park, and the right to leave it to certain members of the family.

Are most park residents retired?Yes: about 80% are in or near retirement – although some parks do have a high-er proportion of couples where one or both go out to work on a full-time or part-time basis. In future we may well see more younger couples opting for home park life. For the present, however, they mostly benefi t indirectly through the release of lower-cost housing onto the market when elderly couples sell up and move into park homes. There are currently an estimated 200,000 peo-ple living on home parks, representing some 96,000 park homes.

Apart from economics, what are the other advantages of park home living?The social benefi ts are most readily ap-preciated by many. Home parks are very much communities where no-one need suff er the sense of isolation so often felt by people in retirement - especially those who move away from familiar surroundings. Individual privacy is, of course, respected as it would be anywhere. However, most park home

owners do enjoy being drawn into the activities, committees, clubs and other social opportunities which develop as a result of initiatives by residents them-selves. Other members of the family liv-ing elsewhere also have peace of mind from the knowledge that parks are semi-sheltered environments often with a resident owner or manager to provide additional security. Many park owners invest heavily in creating carefully land-scaped and well laid-out surroundings with plenty of pathways, sitting-out ar-eas and other facilities for residents to enjoy. Parks making exceptional eff orts to improve and protect the natural envi-ronment can win a David Bellamy Con-servation Award through a scheme run in conjunction with BH&HPA.

Must it be a licensed residential park?Yes, most defi nitely. The protection of-fered by the Mobile Homes Act 1983 are applied to licensed residential parks – and are not available to holiday parks. There are also important diff erences be-tween a residential park home, which is designed and built for year round liv-ing, and a caravan holiday home, which is constructed to diff erent standards to refl ect its use as leisure accommoda-tion. So in your own interests, and to safeguard the value of your investment, always ensure that your prospective park has a local authority site licence for residential (not holiday) use, and to make sure that it is in membership of the BH&HPA.

How do I fi nd out more?The BH&HPA Residential Home Parks Directory is a complete listing of parks in membership of the BH&HPA through-out Britain. Any of the parks featured will be pleased to send you literature about themselves and the homes they have to off er. You should then take the opportu-nity to visit a few diff erent parks in your chosen area: the owner or manager will be delighted to show you around, and to answer any questions. Take time also to chat with some of the residents: they, after all, are best placed to tell you about day-to-day life on the park and the ben-efi ts they enjoy. You can fi nd details of over 800 parks on the Internet at:www.parkhome.co.uk – the web site includes maps and simple-to-use tick boxes to help match your precise re-quirements to a short-list of residential parks in your chosen area.Images by BH & HPA


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FAQRESIDENTIAL LIVING

50+ Show Guide

--------------------------------------------------------------------------------------------------------------------------TRAVEL

Explore the world on foot...Ramblers Worldwide Holidays’ enticing range of long-haul walking tours tempts Beverly Glickto pack her runsack.

Now that I have reached what is politely termed A Certain Age, I require

more from my holidays than a nice hotel that’s within spit-ting distance of a beach. Noth-ing wrong with sunbathing, of course, but these days I’m much more interested in hav-ing an authentic, memorable experience with professional types who don’t mind getting stuck in to a bit of adventure.

I fi rst encountered a small group of such people on my fi rst walking tour with Ram-blers Worldwide Holidays in the foothills of the Apennines in Tuscany. While they were all superbly well-equipped for the terrain with stout hiking boots, rucksacks and poles, they were anything but po-faced and serious – in fact they were exceptionally good fun and warmly welcomed this solo novice into their fold.

The great thing about a Ramblers tour group is that you know everyone else will be well-travelled and happy to share tips about what not to miss.

You are also guaranteed to have an engaging expert lead-er at your beck and call who will be able to introduce you to exciting things off the beat-en track while making sure you see the best of local cul-ture, history and landscapes - and get to sample some tasty cuisine.

That’s why, when I started thinking about exploring more of the world on foot, I went straight to Ramblers Worldwide Holidays. The company has been providing great-value walking holidays for 65 years now, but there’s much more to it than that.

You can book cruise and walk, rail and walk, pedal and walk, hutting, trekking and bird-watching holidays too. Age isn’t a barrier and holidays are carefully designed for dif-ferent abilities, ambitions and interests.

Ramblers’ clients travel solo, with a partner, a group of friends or fellow enthusiasts.

And what a choice of desti-nations – there are more than 250 holidays on off er in more than 70 countries. So where to begin? I’ve already visited South Africa and absolutely loved it but a friend had rec-ommended Namibia, with its vast, empty landscapes and abundant wildlife. On the 19-night walking holiday in Namibia, I’d get to visit Etosha National Park, one of Africa’s largest game reserves, which boasts 114 species of mammal including the rare black rhino, the black-faced impala and the cheetah. By contrast, the tour also visits stunning Sos-susvlei, an arid area of beauti-fully coloured dunes.

I’ve also been to China but had the urban experience rather than the rural one, so the itinerary that appeals to me

is Sichuan Province – the King-dom of the Giant Panda. I’d get to revisit Beijing, the Great Wall and the Summer Palace before fl ying to Chengdu, then Jiu-zhaigou and the Nine Villages Valley - an area of outstanding natural beauty with sparkling lakes and endless forests. Then there’s a whole day to explore the Bifengxia National Park, one of a handful of places where you can see beautiful giant pandas.

I also feel that I haven’t seen enough of New England, so the 14-night holiday that takes in Salem - home of the 17th-century witch trials - Boston, Mount Washington and Ver-mont is very attractive - espe-cially in September when the autumn colours will be at their most beautiful.

If I’m really going to go for it, though, then the only op-tion would be the life chang-ing 28-night Australian Grand

Tour. As they say, there’s only one way to visit the land down under – and that’s to do it big. Starting in the cultural centre of Melbourne, the tour visits Adelaide – gateway to Kanga-roo Island – then Alice Springs, travelling along the Western MacDonnell ranges to Glen Helen, where the tour follows the famous Larapinta trail on foot.

Then it’s on to iconic Uluru (aka Ayers Rock) before con-tinuing to Darwin to explore the extraordinary rock forma-tions and vast landscapes of the Kakadu National Park.

After that we can snorkel or dive in a remote part of the Great Barrier Reef before fl y-ing to Sydney and visiting the remarkable Blue Mountains. Whatever I choose, I can rest assured that I will be in the capable hands of an experi-enced leader and in the com-pany of like-minded explorers.

When you have reached A Certain Age, having that confi -dence is extremely important - along with the promise of an astonishing set of stories and images to bring back home.

Expert tipWhichever holiday you choose, in these days of digi-tal photography you should take more than one memory card for your camera and take pictures of everything. Remember, it costs nothing to delete unwanted photos - but it is expensive if you need to go back to get the missing photo.

World of contrasts:main picture, Stowe Village - New England, USA; far left, Ayers Rock - Australia; far right, Meerkat - Namibia


I’m quite obsessed with traveling and it just so worked out that I visited my 50th country on my 50th birthday.

Even better than that- two months later I was off for a year’s sabbatical round the world. It seems that every young Tom, Dick and Jessica is at it these days so it was about time the balance was redressed for the mature man!

I had a rough itinerary, a guidebook and the fi rst stop was Venezuela to see the highest waterfall in the world- the An-gel falls. There’s no easy way to get there. It’s a trip by car, tiny plane, four hours on a small boat bouncing over rapids and a 90-minute walk through the rainforest. We slept in hammocks on the way and swam in the fast fl owing river for an evening shower.

The plane ride alone was worth the money - watching the savannah and the rainforest stretch below for hundreds of miles, patterned by meandering rivers giving birth to ox bow loops straight from a geography textbook. You might even be the one lucky enough to sit next to the pilot!

The boat ride is a fair match as it cruis-es past the fl at top mountains that gave Arthur Conan Doyle his inspiration for the Lost World novel. They rise up sheer for 6,000 feet with waterfalls sprout-ing from them like a bag punched with holes, as they don’t always emerge from the summit.

The Angel falls were truly magnifi cent towering 3,000 feet above, surrounded by swirling clouds, which merge with the spray.

But almost as impressive, was a side trip to the waterfalls back down near the air-fi eld. A wide series of falls thunder into a lagoon and it is possible to follow a path that takes you along roughly hewn ledges behind them.

It was one of the most intense experi-ences I have had as the white foamed wa-ter crashed in front of my face in its never ending, almost hypnotising descent. The water actually bounces back upwards and the wind whips it round and round and and it’s the nearest you can probably get to looking into the eye of a tornado. You can’t actually see anything for a few dozen steps as there’s so much water swirling around so you feel your way along the rocks and you can hardly breathe because the water just comes pouring at you from every direction and your eyes sting and you feel like a fl y in a washing machine set on ultra wash though strangely unharmed

by this battering of sensory overload. The accompa-nying thunderous sound helped to complete a sense of immense power and en-ergy and we emerged from the other end with an in-tense feeling of exhilaration and excitement.

And this was just my fi rst week!

What followed was an action packed journey across fi ve continents, twenty countries and fi ve of

the modern world wonders.I felt the joy of exploring a diff erent

place every few days, seeing a new in-credible sight every few weeks. It’s hard to imagine a holiday that encompasses ‘lifetime must-sees’, one after the other. The Galapagos, Machu Picchu, Patagonia, Rio, Antarctica, Ayers rock, the great wall of China, the deserts and temples of India and encountering orang utangs in the wild, to name a few.

And there’s the strangeness that seems so normal to everybody around you, the helpfulness and friendliness of casual en-counters, sometimes inviting you into their homes to stay and the camaraderie of fellow travellers, some of whom you will stay lifelong friends with.

It certainly was a privilege to indulge in something that not too long ago could have only been undertaken by the very privileged or the very brave.

The 50+ Show Magazine July 2012

50 plus countries for the 50+Travel Story by David Shuttleworth

--------------------------------------------------------------------------------------------------------------------------TRAVEL

David Shuttleworth has been in-volved in photography, video, drama, fi ne art, music and educational visits for the last twenty years. Recently he has decided to create a new beginning that would bring all of these skills together. After taking voluntary redundancy, he has started his own video/ photography business. David intends to take another year out in the near future and try and fi nish off the list of countries!

You can see his work on:www.bigbangbolton.co.uk.

Images below: David at Ayres Rock and at the Train Graveyard in Bolivia

Best 50+ UK holiday providerSagaShearingsWarners

Best 50+ UK day outKew GardensLondonNational Trust

Best 50+ UK theatrical showLes MiserablesMama MiaWar Horse

Best 50+ UK destinationCornwallLondonYork

Best 50+ UK hotel groupBest WesternHiltonPremier Inn

Best 50+ UK coach companyJust GoNational ExpressShearings

Best 50+ overseas holiday providerSagaThomas CookThomson

Best 50+ cruise providerFred OlsenP & OSaga

Best 50+ overseas destinationItalyNew ZealandSpain

Best 50+ overseas hotel groupBest WesternHiltonMarriott

Best 50+ AirlineBritish AirwaysEmiratesVirgin

Best 50+ tour operatorSagaThomas CookThomson

Best 50+ travel agencyCo-op TravelSagaThomas Cook

Best 50+ adventure travel providerRamblers Worldwide HolidaysSagaTrailfinders

Best 50+ health tourism destinationBathCyprusSpain

Best 50+ medical charityBritish Heart FoundationCancer Research UKMacmillan

Best 50+ non-medical charityAge UKRNLISalvation Army

Best 50+ housing providerBarrattChurchill Retirement LivingMccarthy & Stone

Best 50+ assisted living providerAge UKChurchill Retirement LivingMcCarthy & Stone

Best 50+ NewspaperGuardianMailTelegraph

Best 50+ MagazineGood HousekeepingSagaYours

Best 50+ TV ChannelBBC 1BBC 4ITV 1

Best 50+ radio stationBBC Radio 2BBC Radio 4Classic FM

Best 50+ websiteMoneySavingExpert.comSaga.co.uksilvertraveladvisor.com

Best 50+ dating sitesagaconnections.co.ukmatch.com50plussinglesdating.com

Best 50+ campaignGreenpeaceFairtradeCo-op bank

------------------------------------------------------------50+ Awards 2012


The best of the best - 50+ Awards 2012By Dr Robert McCaffrey, 50+ Show director

Back in February, we asked our visitors to nominate their favourite companies in a number of different categories. We then tallied up the nominations and shortlisted those companies that had been most nominated. There followed a four-month-long online voting period during which a total of 211,465 votes were recorded in a total of 53 different categories from 6590 voters from around the UK. Voting closed on 30 June and we have shortlisted only the top three in each category - they are all listed alpha-betically below. The 50+ Awards will be presented at a Gala Awards Reception on Friday 13 July at London Olympia’s Pillar Hall. The winners will be posted on the 50+ Awards website, at www.50plus-Awards.com. Thanks for voting!

50+ Awards

Best 50+ ad campaignCompare the Market.comM & SSpecsavers

Best 50+ personalityHelen MirrenJoanna LumleyJudi Dench

Best 50+ digital cameraCanon IxusNikon CoolpixPanasonic Lumix

Best 50+ computerAcer AspireApple IpadDell inspiron

Best 50+ mobile phoneApple iPhoneNokia 700Samsung Galaxy

Best 50+ beauty productBoots No 7 protect and perfect night creamNivea creamOil of Olay

Best 50+ health productBoots multivitaminsHealthspan Vitamin B6 supplementsHolland and Barrett glucosamine sulphate

Best 50+ fi nancial productNational Savings ISANational Savings Premium bondsSaga Fixed Rate ISA

Best 50+ carFord FocusHonda JazzToyota Yaris

Best 50+ clothing retailerBon MarcheM & SSlaters

Best 50+ bed retailerDreamsJohn lewisSealy

Best 50+ furniture retailerHarveysIkeaJohn Lewis

Best 50+ SupermarketMorrisonsSainsbury’sWaitrose

Best 50+ Product designApple iPhoneSerious Readers Alex lampStressless recliner chair

Best 50+ employer of those aged 50+AsdaB & QWaitrose

Best 50+ small business (fewer than 50 employees)Ruby SlippersSimply GroupsThe Chocolatier

Best 50+ continuing education providerOpen UniversityUniversity of the Third AgeWorkers Education Association

Best 50+ ready-meal providerM & SWaitroseWiltshire Farm Foods

Best 50+ healthcare providerBootsBUPANHS

Best 50+ genealogy services providerAncestryco.ukGenesReunited.co.ukSociety of Genealogists

Best 50+ broadband providerBTVirgin MediaTalk Talk

Best 50+ legal services providerAge UKCitizens Advice BureauSolicitors for the Elderly

Best 50+ fi nancial services providerBarclaysNationwideSaga

Best 50+ insurance providerAvivaLVSaga

Best 50+ electricity providerBritish GasE.ONScottish Power

Best 50+ gas supplierBritish GasE.ONScottish Power

Best 50+ telecomms supplierBTTalk TalkVirgin Media

---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------50+ Awards 2012


Don’t agree with the selection of fi nalists? If you have registered for the 50+ Show with an email, you will be contacted in February 2013 for your input into the 50+ Awards 2013. Next time, make your vote count!

MANCHESTERCentral

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11-13 July 2013

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Solve the crossword, then read down the letters in the shaded squares to reveal something you might like about our puzzles.

Puzzle Answers Across 1 Combat, 4 Meagre, 9 Mouthwatering, 10 Steadfast, 13 Treat, 15 Thyme, 17 Feather, 20 Camera, 21 Advise, 22 Rap, 24 Lilac, 26 Elect, 27 Opera, 30 Serene, 32 Eraser, 34 Steal, 35 Maggie, 37 Lizard, 39 Grime, 41 Organ, 43 Ratty, 45 Peg, 47 Strata, 48 Editor, 49 Earnest, 53 Opium, 55 World, 58 Great Dane, 59 Blood pressure, 60 Dreads, 61 Parent. Down 1 Commit, 2 Mousse, 3 Athlete, 5 Elevate, 6 Guilty, 7 Engine, 8 Bandit, 11 Taffeta, 12 Shrivel, 14 Relative,16 Massacre, 18 Afar, 19 Heap, 23 Awe, 25 Consign, 26 Earlier, 28 Peter, 29 Realm, 31 Rag, 33 Sea, 36 Airstrip, 38 Rational, 40 Ire, 42 Amateur, 44 Aniston, 45 Pair, 46 Gene, 50 Amended, 51 Nature, 52 Swansea, 53 Outbid, 54 Ignore, 56 Refuse, 57 Deceit. Secret word: Challenging.

ACROSS1 Warfare (6)4 Scant (6)9 Delicious, delectable (13)10 Unwaveringly loyal (9)13 Behave towards (5)15 Herb (5)17 Plume (7)20 Photographic apparatus (6)21 Counsel (6)22 Hit sharply (3)24 Shrub with scented

purple blooms (5)26 Vote into offi ce (5)27 Musical theatre (5)30 Calm, unruffl ed (6)32 Pencil rubber (6)34 Pilfer (5)35 - - - Smith, veteran

English thespian (6)37 Iguana or gecko, eg (6)39 Dirt (5)41 Church instrument (5)43 Bad-tempered (5)45 Wooden pin (3)47 Layers (6)48 Newspaper

boss (6)49 Serious and

sincere (7)53 Drug derived from

poppies (5)55 Universe (5)58 Large canine (5, 4)59 One uses a

sphygmomanometer to measure this (5, 8)

60 Fears greatly (6)61 Mother or father (6)

DOWN1 Execute — a crime? (6)2 Light fl uffy pudding (6)3 Sportsperson (7)5 Lift up, raise (7)6 Culpable (6)7 Motor (6)8 Robber, outlaw (6)11 Stiff satin used for

ballgowns (7)12 Wither (7)14 Family member (8)16 Slaughter (8)18 At a great distance (4)19 Mound, pile (4)23 Wonder, amazement (3)25 Dispatch or deliver (7)26 Previously (7)28 Saint at the Pearly Gates (5)29 Kingdom (5)31 Scrap of fabric (3)33 Small ocean (3)36 Landing area for planes (8)38 Logical (8)40 Fury (3)42 Nonprofessional (7)44 Jennifer - - -, Friends star

more recently seen in Horrible Bosses (7)

45 Couple (4)46 Unit of heredity (4)50 Corrected or improved (7)51 Character (6)52 City on the south coast of

Wales (7)53 Beat someone at an auction (6)54 Turn a blind eye (6)56 Rubbish (6)57 Dishonesty (6)

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Is there something BIGyou’re ignoring?Retirement planning perhaps?

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RETS10334_06_12_RETS10334_06_12 21/06/2012 16:19 Page 1

the 50+ show magazine, london olympia, 12-14 july 2012

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