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Set up a Trust to avoid Care Home charges? If only .....


Fri 25th - Thurs 31st Jan


7.15 (excl. Sun 27th & Wed 30th) Matinee - Wed 30th Jan at 3.00


Steve Carell and Eiza González in


WELCOME TO MARWEN 12A


——————————————— Sun 27th & Wed 30th Jan at 7.15


Matinee - Wed 16th Jan at 3.00pm Bradley Cooper and Lady Gaga in


A STAR IS BORN 15


——————————————— Fri 1st - Thurs 7th Feb


7.15 (excl. Sun 3rd & Wed 6th Feb) Matinee - Sun 3rd Feb at 3.00 & Wed 6th Feb at 2.30


Margot Robbie and Saoirse Ronan in


MARY QUEEN OF SCOTS 15


——————————————— Wed 6th Feb at 7.30. LIVE SHOW Tickets: £10.00 - NOW BOOKING


An special evening of the finest Americana and Acoustic Songwriters ...


BAYFIELD & BOOTH KEV WALFORD & KELLY BAYFIELD


PLUS DREW YOUNG


——————————————— Fri 8th, Sat 9th, Mon 11th & Tues 12th Feb at 7.15


Matinee - Thurs 14th Feb at 3.00 Olivia Colman and Emma Stone in


THE FAVOURITE 15


——————————————— Sun 10th Feb at 3.00 Wed 13th Feb at 7.15


Emily Blunt, Meryl Streep and Ben Whishaw in


MARY POPPINS RETURNS U


——————————————— Sun 10th Feb at 7.15 Wed 13th Feb at 3.00 John C. Reilly and Steve Coogan in


STAN AND OLLIE PG


——————————————— Fri 15th Feb at 4.30


Sat 16th - Thurs 21st Feb at 3.00 Showing in 2D on Sat 16th, Sun 17th, Tues 19th & Thurs 21st Feb


HOW TO TRAIN YOUR DRAGON: HIDDEN WORLD PG


——————————————— Fri 15th - Thurs 21st Feb at 7.15 Melissa McCarthy and Richard E Grant in


CAN YOU EVER FOR GIVE ME? 15


——————————————— Fri 22nd - Sun 24th Feb at 3.00


Mon 25th - Wed 27th Feb at 5.00 Thurs 28th Feb at 6.00


THE LEGO MOVIE 2:


THE SECOND PART U ——————————————— Fri 22nd & Sat 23rd Feb at 7.15 Rami Malek, Joseph Mazzello and Mike Myers in


BOHEMIAN RHAPSODY 12A


——————————————— Sun 24th Feb at 6.00


Mon 25th - Wed 27th Feb at 7.30 Matinee - Thurs 28th Feb at 3.00 Christian Bale, Amy Adams and Sam Rockwell in


VICE 15 Tel: 01728 830549 www.leistonfilmtheatre.co.uk


A locAl wealth advisor Stephen long is currently serving time at Her Majesty’s pleasure, for failing to reveal where he has placed clients’ funds for investment. Funds had been remitted to a trust run by him on the pretext of ring-fencing the money against possible future care Home, or Nursing Home charges. The overall total of such funds is thought to be in the region of £25M but he cannot recall where it is. The trouble is that the scheme


that was set up and publicised by long ought to be possible and legal, but unfortunately it simply is not. A weighty Government booklet called “charging for Residential Accommodation Guide” (“cRAG”) defines all the regulations about assets and disposals and it is very strict in its operation. For example a lady who is


entering a nursing home may legally give away her personal chattels - even, say, a £10K diamond ring, without fear that the gift may be challenged, but she cannot withdraw £10K from her building society with which to buy a diamond ring which is to be the subject of a gift. That gift would be void. According to cRAG your house is safe if your spouse continues to occupy it. These regulations are severe


and are operated by the relevant county council, who are the “safety net” for care home fees, when a resident runs out of funds, but because county council’s finances are very strictly curtailed they cannot be at all relaxed or casual about enforcing recovery. By comparison,


for


Inheritance Tax purposes, it is, of course, perfectly allowable to make gifts, which remain valid and unchallenged by HMRc and which have the effect of reducing your estate if you survive the gift by seven years. In fact HMRc have publicity guidance leaflets telling you how best to do this. But these principles are not mirrored in the case of care Home fees and local authorities. There is no such parallel for the seven year survival allowance. This does not mean that


gifts cannot be made. If your son or daughter is setting up in business, or is getting married, or has financial difficulties you certainly can make valid financial gifts. What matters is the purpose of the gift. Advice should be taken and careful, detailed notes be made recording


the exact purpose of the gift. For more advice about CRAG,


Nursing Home fees and the validity of gifts contact John Pulham at:- Messrs Pulham & Co Egmere House, Market Place, Saxmundham, IP17 1AG Telephone (01728) 602084 or e-mail jsp@ pulham.co.uk


Vintage Clicks CAMERA OR


LENS TO SELL? We are interested in


purchasing good quality secondhand SLR and


Medium Format Cameras, also Lenses


Tel: 0792 9340709 pturnerphotographics@gmail.com


ALL-NEW FORD FIESTA ST AVAILABLE FROM £19,495


TEST DRIVE THE


Marathon Challenge For Meningitis Saxmundham Sports


Suffolk Runner Takes On Twelve


MUlTIPlE marathon runner John Fensom will be running an incredible twelve marathons – all to raise money in memory of a family friend’s son who sadly died of meningitis. John, from Halesworth, decided to run the races in the space of a year after his childhood friend Bryan Hall and wife Georgie’s six-year- old ollie died from Meningitis B in october 2017. The marathons, which take place all over the country including Ipswich, Edinburgh, and Richmond, will culminate with the london Marathon in April. “After seeing the devastation


to Bryan and Georgie and his younger brother charlie by oliver’s tragically sudden death from meningitis I knew I wanted to do something,” John said. “I’ve never seen such loss and sadness.” Although John will be running to raise money for Meningitis Now in memory of ollie, he will also have his father in his heart on the day. “I’m grateful that my twelfth and final marathon of the


challenge will be at london 2019. It’s a special event for me not only because it was my first ever marathon but also because my father was dying of cancer at the time. “I had to make the hard decision to run it as I knew that’s what he wanted. luckily, I was able to get back to him to show him my finishers medal – but he died four days later. “london 2019 will not


only be a special end to the challenge, it’ll also be two years to the day since his passing. I’ll be running with both dad and oliver in my heart – it’ll be emotional, that’s for sure!”. John only started running seriously four years ago after going through what he called a “pretty bad mental and emotional breakdown”. He said he fell in love with the sport, finding it to be very meditative as well as a way to gain space for his thoughts. “It’s not that I stop thinking as I run,” he said, “but it helps untangle my thoughts and create space”.


Cricket Club


BElATED Happy New Year 2019 to everyone!!! After England's winning Test Match series in Sri lanka our thoughts turn to the caribbean, The West Indies and the 1st Test on Wednesday 23rd January. Meanwhile back in Suffolk


we will content ourselves with organising indoor training and finalising our plans for 2019. our 2019 Two counties fixtures are now in place with T20 fixtures yet to be finalised. Remember If you are interested in cricket in any form then please contact Saxmundham Sports cricket club on 'saxcricket.co.uk' or text Graham on 07962 124069 or Tom Feveyear on 07816 856103.


Children (2-12yrs)


Carvery Main £10.95 £5.95 Under 2’s FREE


01986 784347 CALL TO BOOK


Every Sunday 12 - 2.30pm www.highlodge.co.uk


Find us just off the A12 near Blythburgh, near Southwold, Suffolk IP17 3QT. THE GUARDIAN


WARM ROOF FOR YOUR NEW AND


OLD CONSERVATORY ROOF


Charcoal - Antique Red - Burnt Umber Moss Green - Ebony


Call us for a quote today on: Free House


Treat your loved one to a special meal on Valentine’s Day


Meal Deal Thursday 14th February 2 Meals for £12


Starters & Puddings Night Fri 17th July


Don’t forget Mother’s Day Sunday 31st March food served 12pm-8.30pm


Book now to avoid disappointment email: avril.wardrop7@icloud.com


4 courses at £21.95 per person


Tel: 01728 746505 email: adamandavril.thelioninn@live.co.uk


For further info www.lioninnlittleglemham.co.uk


The small company with a huge reputation,


our aim to maintain


New roofs, old roofs, leadwork, epdm single ply, grp fibreglass, chimney re-pointing, guttering work, upvc fascia, soffits and cladding. Timber treatment, damp/condensation problems, cellar tanking, wall tie replacement, ventilation issues. Sovereign approved, P.A.M TIES approved contractor.


All word guaranteed for 30 years from the chemical company. We are proud members of consumer protection association (CPA) Licence Number 2722.


Aldeburgh Office: 01728 453347 Woodbridge Office: 01394 331645


“The Fiesta ST is the best small hatch on sale; quite possibly the best one ever built.”


Main A12, Little Glemham (between Marlesford & Stratford St Andrew)


01986 874241


Celebrating over 40 years of business same name, same owners!


The Guardian Warm Roof Conversion system has been designed to provide a high performance thermal and structural solution with zero condensation risk over the life of the roof.


For more information please visit our website


www.waveney-windows.co.uk Unit 6, Halesworth Business Park, Norwich Rd, Halesworth, Suffolk, IP19 8QJ


Wyevale Garden Centre, WOODBRIDGE Homebase, LOWESTOFT


Showsites: Bloom, Bressingham, DISS Wyevale Garden Centre, WOODBRIDGE Homebase, LOWESTOFT


Head Office, Norwich Rd, HALESWORTH Head Office, Norwich Rd, HALESWORTH Showsites: Blooms, Bressingham, DISS


LAND ROVER SPECIALISTS


GENERAL REPAIRS • SERVICING • PARTS • MOT PREPARATION TRADE PARTS DELIVERED


LAND ROVER DIAGNOSTICS & PERFORMANCE UPGRADES 1, Bridge Works, The Street, Bruisyard


MOORE’S YARD, BENHALL, SAXMUNDHAM Tel: 01728 604615 www.offroadrovers.co.uk Email: info@offroadrovers.com


Tel: 01728 663938 www.offroadrovers.co.uk Email: info@offroadrovers.com


FEBRUARY 2019


A W & D HAMMOND FORD Norwich Road, Halesworth, IP19 8BU


01986 244077


www.hammondgroup.co.uk Fuel economy and CO2* results for the All-New Fiesta range Mpg (7.0l/100km) (combined):* CO2 emissions: 40.4g/km Figures shown are for comparability purposes; only compare fuel consumption and CO2 figures with other cars tested to the same technical procedures. These figures may not reflect real life driving results, which will depend upon a number of factors including the accessories fitted (post-registration), variations in weather, driving styles and vehicle load.* There is a new test used for fuel consumption and CO2 figures. The CO2 figures shown however, are based on the outgoing test cycle and will be used to calculate vehicle tax on first registration. Images for illustration purposes only. Please note that calls may be recorded for training & quality purposes.


LEI 3/FRAM 3/WOOD 3


019959


09123864 117567


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Trade Counter


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