Clitheroe 422324 (Editorial), 422323 (Advertising), Burniey 422331 (Classified) 12 Clitheroe Advertiser STimes, Thursday, October 20th, 2005 ay, October 20th, 2005
www.ciitheroetoday.co.uk
Clitheroe 422324 (Editorial), 422323 (Advertising), Burnley 422331 (Classified) -
A kinder crippling debt!
JONATHAN KEANE (21) comes from Billinglon and is a former pupil of St .Augusline’s RC High School. He is now in his final year of study for a degree in English Literature at
Cambridge University, where he is a student of Trinity Hall college. Here Jonathan, pictured, writes
al)out the financial burden on today’s students, a subject close to his heart.
BY now, hundreds of fresh-faced and "^studious youngsters from this area will be settled into cramped bedrooms in
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university halls around the country. Whether immersed in some weighty tome or trotting off to the union for a drink or 10,
each is presumably making strides towards a future witli a career and a degree of finan cial security. Let’s hope so anyway, because with each
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*Tv,nir;il Pxamnie o f 'Pav nothing fo r 12 months’ : Cash price £399. Either pay £399 on or before 12 months from the date of purchase. Tot^ amount payable £399 cash price, no interest charges nrl 'Pm S w n o for 12 months' then 36 monthly installments of £20.96. Tota amount payable £754.56 at 29.8 %. All credit is subject to status. Applicants must be 18 or f r e r c r e d r o p t iS a M a b le ’ : Cash price £399. Simply pay 10 installments of £39.00, over 10 consecutive months. 0% APR. No interest
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passing year of study your average student is likely to add between £2,000 and £5,000 worth of fresh debt to their name. For the majority, the thrice-yearly instalments of the student loan will account for much of this sum, with students entitled to between £3,146 and £4,195 each year depending on household income. Even the higher amount falls short of the
yearly cost of rent, fees and general living though. Students without the financial backing of their parents are likely to resort to a mixture of part-time work and com mercial debt to plug this gap. Hardly sur prising then, th a t a five-figure graduate debt is the norm. And the financial woes of the class of
2008 pale in comparison to those that will afflict next year’s cohort. Under the new system of funding that will accompany top- up fees, a child from a middle income house hold will receive no support in grants, but will pay an extra £1,825 each year to make up the £3,000 fee. The standard loan avail able will be £4,400. As these sums will be bundled together
on graduation for the purposes of repay ment, that amounts to an expected debt of £22,200 on completion of a three-year
course. My own peer group will no doubt look
back with watery eyes to the soft-hearted funding system of the start of the millenni um - a golden era when no one ever had more than five credit cards and you could get in a round at the pub for a mini-IS.A. But there is more to the new system of
top-up fees than simply having to cough up an extra five-and-a-half grand over three years. The change from an upfront pay ment of fees to a deferred repayment will effectively lighten the financial burden on the student while studying. Combined with the more generous loan, this means that the need to take on expensive commercial debt in the form of high-interest credit cards and store cards should diminish. With any luck and a little self-discipline, the only institu tion to whom the student owes money will be the Government. And this is good news. Although the total
sum owed is likely to be high, the rate at which it is repayable is very reasonable indeed. Because repayments are linked to inflation, the money is paid back at zero interest in real terms. Moreover graduates pay nothing until their wage exceeds £15,000. After this, repayments are set at 9% of earnings over and above that amount. So a graduate earning £20,000 with a debt of £22,000 will pay £37.50 a month. If earnings fall, then so do repay ments. So it looks as if the Government has
established a scheme that will replace crushing commercial debt with a friendlier and more manageable alternative: a pack age to rival the “Bank of Mum and Dad”. But that’s an institution that will never go out of business.
Two bikers are hurt in crashes
TWO accidents involving motorcyclists occurred over the weekend in Kibble
Valley villages. On Saturday lunchtime, a motorcy
clist from Colne was involved in a colli sion with a local pick-up truck, in Mill
Lane, Gisburn. Then the following lunchtime, a
motorcyclist from Oswaldtwistle, collid ed with a wall on the Settle road, in
Bolton-by-Bowland. Both were later treated in hospital for
the injuries they received. n n
A very pleasurable chatty social fol lowed, giving mem bers the chance to catch up with all the latest news.
job.
vmw.ciitheroetoday.co.uk ews from the Villages
Annual meeting Members of Bashall Eaves WI met in the village hall for their annual meeting, presided over by Mrs Jane Spurgeon. All committee members were re-elected and are happy to continue doing their excellent
The club meets at 7-30 p.m. on the second Wednesday of the month in Bolton-by- Bowland Village Hall and new members are always welcome.
members that the next meeting will be on November 9th when the talk will be given by Mrs Jacque line Iddon, entitled “Christmas from the Garden”.
A competition tor a favourite recipe hook, which resulted in a good selection of books from the tradi tional to the more unusual, was won by Mrs G. Wetherby, with Mrs J. Spurgeon and Mrs A. Fox col lecting 2nd and 3rd prize.
Cricket club Members of Bolton- by-Bowland Cricket Club and friends enjoyed a well- attended presenta tion evening in the village hall. Chair man Mr Michael Smalley warmly wel comed everyone and Mr A. Clements gave a resume of the year.
Items for inclusion should he sent to;
Village News, Clilheroe Advertiser & Times, 3 King Street, Clitheroe, BBT 2EW.
Tomorrow evening Clitheroe group “Freebird” will be playing in the White Bull. Tickets are £5, including pie and peas supper, and are available on the night or telephone 445575.
who supported this.
Brownies There will be no Brownies or Rain bows during half term.Will all parents please note that this term’s subscriptions are now due. Brown ies £14 and Rainbows £15.
Fashion show
A raffle, organised by Mrs Dot Miller, was won by Mrs G. Whowell.
The next meeting is on November 7th, which falls on the 63rd anniversary of Bashall Eaves WI and the birthday party is to be cele brated with a Jacob’s join supper. The speaker will be Fr Challener, of Dunsop Bridge.
BOLTON-BY- BOWLAND
5
Garden club Guest speaker at the meeting of Bolland
Gardening Club, Bolton-by-Bowland,
was Mrs Mary Ellis, of Lakeside Garden Centre, Foulridge. Her talk was entitled “Bulbs and Baskets” and she took along a variety of plants and a prepared winter foliage hanging bas ket. During her talk she demonstrated the planting of a spring flowering basket which also provided winter
President Mrs M.A. Bosonnet presented trophies to: Chris Seed (John Theaker award tor outstand ing performance and batting trophy); N. Bunyon (Highest score); P. Smalley (Catch of the sea son); S. Booth (Bowl ing performance); T. Hall (Thursday night Trophy); S. Reynolds (Bestfielder); G. Wil son (Most improved player); D. Ashton (Player’s player); A. Clements (Clubman of the year); C. Dar lington (Chairman’s award).
James’s special recipe
BUDDING poet James Ashcroft rose to his headteacher’s challenge to write a verse that summed up the essence of the harvest festival.
James penned a verse entitled: “A Recipe To End All Suffer ing” which was read out during a harvest thanksgiving serv ice at St John’s Church in Read.
Mr Douglas Moss was presented with a bot tle of whisky for his work as groundsman and the chairman thanked Mrs Boson- net and presented her with flowers.
A Year Five pupil at Read Primary School, James came up with the poem after his head teacher, Mrs Joyce
Shaw, asked the children if they had any ideas th a t would help to cele brate the festival. Food For All was the theme of this year’s service and the church asked people to collect money rather than goods to fund tools and equipment to allow farmers in the poor est countries to gro.w their own crops.
Here is James’s spe
cial recipe: A Recipe To End All Suffering
Mix 40g of caring sugar with 60g of kindness
Add 2 handfuls of love and a bag of forgiveness
faith
Mix with a glassful of happiness and a splash of laughter
James’ poem, which is written just like a recipe, reflects this theme perfectly.
Supper was provided by “Mood Food” and the evening ended with a disco.
Young farmers On Friday night mem bers of Bolton-by- Bowland Young Farmers’ Club enjoyed their annual dinner dance at the Calls Head Hotel, Worston.
Members plied Mrs Ellis with a great many questions which she answered with humour and an astonishing amount of horticultural
interest.
Mrs Cunningham expressed thanks to Mrs Ellis for an inter esting and informa tive talk.
knowledge.
Next Monday is a ten pin bowling outing. Members wishing to go, meet in the village at 7 p.m. and take money with them.
YFC.
CLAYTON-LE- DALE
Chairman Mrs Mar garet Middleton thanked the hostesses Mrs Cooper, Mrs Owen and Mrs Walmsley reminded
WI Hot-pot President of Clayton- le-Dale WI Mrs Marie Devoy wel comed everyone to the meeting and
On Monday night many members took part in a joint sports night with Bury
introduced Mr Colin Hayes. He showed colourful slides on Cyprus and the N o r th um b r i a n Coast. Members who were not familiar with Cyprus were amazed at the con trast between the coastal area and the mountains and sur prised to see so much snow. The photo graphs were beautiful and Mr Hayes gave some interesting information. He men tioned that Nicosia k the last divided capi tal city and the Northumbrian coast is home for many birds
The prize for the best . souvenir was won by Mrs Devoy.
puffins.
Winner of the draw tor the free Hot-pot mag
Mrs Joan Pemberton gave a report on the autumn council meeting held in King
azine was Mrs Mar garet Hestletine and Mrs Helen Hebden won the raffle
WEEK TO GO!
Members were informed the Christ mas dinner will be held at the Punch Bowl, Hurst Green and there will be a quiz night on Janu ary 30th, tor which members should give their names to secre tary Miss Pauline Ormerod.
George’s Hall, Black- bum, which had been an interesting evening and well- attended.
Add 2 pinches of hope and a sprinkle of
Le Beau Cheval are holding a fashion show in the White Bull, Gishurn, on November 10th at 7- 30
p.m.Tickets are £5 including a glass of wine for adults and £2 including non alcoholic cocktail for children. All proceeds to go to Marie Curie Cancer Care. Tickets available from Janet Dewhirst 445137 or Gillian Whittle 445500.
CHIPPING
al new tenants. The secretary reported on financial matters and allotment business. Rents were collected and comments and ideas invited. Any villager wishing to be put on the waiting list for an allotment should contact the secretary, Mrs Sheila Blackburn,
tel. 429718.
Jumble sale A jumble sale will be held in Chatburn School hall next Fri day, October 28th at 7 p.m.
Joseph's Chapel on Sunday and the fol lowing Sunday.
More news from ihc village snews turn to pages 14 and 15
Cancer charity cash
KIND-HEARTED staff at Calderstones NHS Trust have raised almost £200 for breast cancer by holding a coffee afternoon
at the Whalley hospital. More th an 50 people a t ten d ed the
event, including Graham Parr, trust chair man, and Russ Pearce, chief executive. The event was held as part of the current breast cancer awareness campaign, which is running throughout October. Staff Nurse Anita Sorrell, who helped to
Proceeds from the event will go towards the Chatburn senior citizens’ Christmas party. For items to be collected on the pre vious evening, tele phone 01200 441185 or 441549.
HURST GREEN
Add 20g of enthusi asm with a spoonful
of giving Topped off with 60g of sharing flour.
including
Members were informed of a Women’s Fellowship meeting held every two weeks on Tues day at 2-15 p.m. in Wilpshire Methodist Church.
GISBURN
Silent auction A sociable atmosphere prevEiiled in the Festi val Hall on Tuesday as members of Gis- bum Mothers’ Union held their annual silent auction which
Raffle winners were: Mrs B. Smith, Mrs S. Jackson, Mrs L. Farnworth, Mrs N. Hudson, Mrs O. Stannard, Mrs M. Norcross.
raised £270. Bargain hunters made writ ten bids tor the great variety of goods on display. Coffee and biscuits were served and home-made cakes and other good ies soon disappeared from the cake and bring-and-buy stall. At the close of the evening, branch leader Mrs C. T h i s t l e th w a i te thanked everyone for their support and donations of auction items and other goods and to all who worked so hard in arranging the event.
Ladies’ night The Ladies’ night held in the White Bull, Gisburn,
£358.50 for Marie Curie Cancer Care. Thanks were expressed to everyone
raised
Theatre trip Chipping Welfare Committee is organ ising an evening trip on Wednesday, November 16th to see the musical “Carousel” at Pre ston Charter Theatre. Discounted tickets cost £8 per person, cost of transport will be funded by a Small Community Projects Fund grant. The coach will leave Chip ping bus stop at 6-30 p.m. All residents of Chipping, Thornley, Leagram, Little Bow- land and Chaigley aged 60 and over are eligible to attend with partners. Anyone wishing to go should put their name on the list in Chipping Post Office by November 1st (limited tickets available—
WI The next meeting of Hurst Green Wom en's Institute takes place next Thursday, October 27th, at 7-30 p.m. in the Memorial Hall. This month's speaker is Mr Peter Watson, who will be talking on "North Country Folklore". New members are always welcome.
organise the event, said: “The afternoon was a great success and was a really good event. “We had a fantastic response to the afternoon and managed to sell loads of pink ribbons and raffle tickets.”
Band aid for Katrina appeal
FOUR American bands will entertain crowds a t
the
Aspinall Arms, Mit- ton, this weekend in aid of a good cause. The charity event
of
will take place from 5 p.m. onwards on Sunday, to raise funds for the Hurri cane Katrina appeal. Donations are welcome.
j e h J N Y - B A R N S t e Y (
9 9 - 9 Twesolivy - prt-clivy
- 5 y:wx CMtSf
UtoM; etc-
first served). For fur ther details please contact Martin and Barbara Butters on 01995-61586.
first come, CHATBURN
Produce The annual meeting of the Chatburn and District Garden Pro duce Association, held in the Pendle Hotel, was very well- attended. I t was announced that there are now more than 50 allotments and sever-
Appeal cabaret Many Hurst Green vil lagers are currently involved in secret rehearsals, preparing for next month's cabaret evening in aid of the Hurst Green and District Tsunami Appeal. For your chance to see your fel low citizens as you have never seen them before - and will prob ably never see them again - you will need to keep Saturday, November 19th, free in your diary. Tickets for the event, which will include a hot pot supper, cost £8, and are available from Mrs Gill McDonnell (01254 826378) and Mr and Mrs David and Gill Jacques (01254 878222).
Remembrance Remembrance Sunday falls on November 13th this year, when the annual parade will take place in the village.
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9 Castle Street • 01200 422283
All are welcome to accompany the pro cession from the Memorial Hall car park, which will set off at 10-45 a.m.
Village Mass As it is half-term next week, 10 a.m. Mass will be held in St
DOWN Saturday
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Clitheroe Advertiser STimes, Thursday, October 20th, 2005 13
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