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ALL THE LATEST NEWS, VIEWS AND STORIES FROM AROUND YOUR LOCAL AREA:OCTOBER/NOVEMBER CITIZENS ADVICE


John Sandelands (Funeral Directors) Ltd.


Independent family owned Funeral Directors Serving West Cumbria since 1850


Rest Chapels at Main Road, Seaton Bridge Street, Cockermouth


and South William Street, Workington 24 Hours Service


Telephone 01900 602753 Email: andrew.sandelands@btconnect.com


PENCIL PORTRAITS by Steve Rolls


Pencil Artist in Keswick


Orders now being taken for Christmas delivery


Contact Steve Rolls on 07773 685 761


pencilportraits71@outlook.com pencilportraitsbysteverolls


BE WISE WITH YOUR PENSION


“I’ve just started a new job and am being offered auto-enrolment for the first time. Do I have to join the scheme? I’m worried about meeting my living costs if I do.”


Even if retirement is a long way off, or you’ve got immediate costs you need to cover it’s still worth starting a pension.


They are a great way to save for the future and can offer you financial security once you’ve stopped working. They’re also good value for money, as your contribution gets topped up by both your employer and the government.


If you’re worried that auto-enrolment will make it harder for you to keep up with your living costs, ask your employer how much your monthly contribution will be. Then add up the cost of your monthly expenses and take this away from your income, which should include your pensions deduction.


It’s also worth seeing if you’re able to start receiving tax credits or a benefit, such as Universal Credit to help with your living costs.


You will be automatically signed up to


Book now for


Afternoon Teas Enjoy an Afternoon Tea Treat


Book early to avoid disappointment


For that Special Occasion


Small & Large Group Bookings Welcome Licensed bar available


For bookings and enquiries contact: Camerton Hall t: 01900 603099 www.camertonhallcumbria.co.uk Visit us on Facebook


Camerton, Workington, Cumbria CA14 1LS Just 15 mins from Cockermouth WWW.THECOCKERMOUTHPOST.CO.UK 19 OCTOBER 2017 ISSUE 419 PAGE 5


Afternoon Tea Vouchers Available


auto-enrolment, so if you want to opt out you’ll need to tell your employer. Make sure you do this within one month to get a refund on the contribution you’ve made.


If you are over 50 and have a personal or workplace pension, we can offer you a free Pension Wise appointment to help make sense of your options.


For further help understanding your pension options contact us at Citizens Advice Allerdale, The Town Hall, Oxford Street, Workington 01900 604735, or visit us at www.citizensadviceallerdale.org.uk.


Homemade


Afternoon Tea £18 per person


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