22
I CUTHEROEADVERTISERSiTlMES Retirement Service READER OFFER
Want to get the most from your
pension savings? Request your free guide!
W e h a v e te am e d u p w ith th e U K ’s n um b e r o n e re t irem e n t in c om e sp e c ia lis t* . S o , if y o u a re o v e r 5 5 y e a rs o ld a n d w a n t to c om p a re y o u r p e n s io n in c om e -o p t io n s to m a k e sure y o u g e t th e m o s t f rom y o u r p e n s io n s a v in g s v is it
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Call Freephone 08000 810 817
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'My Touchstone, based on equity release, annuities and income drawdown sales via financial intermediaries 2013.
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v X Affordable homes for '•0/1
New homes are available for rent by working families in Ribble Valley at 80% of the market value. At least 30% of each new
development in the borough is set aside for. affordable housing, comprising a mix of shared ownership and rented properties. And at least half of the rented properties are now being earmarked for working families. Rent can be as low as £340
a month for a one-bedroom house and from £550 a month for a four-bedroom house. . Rachael Stott, Ribble Val-
leyBoroughCouncil’shousing strategy manager, said: “There is a common misconception that affordable rented prop erties are only forout-of-work families, but nothingcould be further from the truth. “They are fast becoming
the ideal option for working families looking-for a brand new home, but without the resources to buy one. As well as discounted rent, afforda ble rented homes offer long term security and fast repair response rates.” Mum-of-five Gemma Woodward, whose partner
Gemma Woodward with Ribble Valley Mayor and Mayoress Michael and Janette Ranson, and Richard Houghton, directorof operationsat regis tered housing provider Adactus.
Chris works in a warehouse, said: “We pay £130 a week rent on our new four-bedroom home in a lovely development in Clitheroe. A property like this would have been beyond our reach on the open mar ket.” ' House prices in Ribble
Valley are way above the na tional average- a modest fam ily home now costs around 10 times the average salary- and
first-time buyers are being forced out of the communi ties their families have lived in
forgenerations.There is alsoa
. chronic shortage of accommo dation foryoung single people and the elderly. Further information about
affordable rented properties for working households is available from Ribble Valley Borough Council’s housing team on 01200 414567.
St James’ trio awarded Blue Peter badges Three pupils from St James’ CE Primary
a booklet about saving the environment, ' _ t BADGE WINNERS: Charles, Hettie and James put in the effort ■
www.clitheroeadvertisor.co.uk Thursday, November 13,2014 Thursday, Novamber13,2014
www.clitheroeadvertiser.co.uk CLITHEROEADVERIISERE. TIMES I
+ 23
Tis the season to be... careful with the cash
Nowisthetimetogetdebtad- ' different reasons find them- • work is made harder by the vice, says Ribble Valley Citi- selvesstrugglirigwithrepay- credit industry, whose an- zens Advice manager Katy ments. They may not even swer to debt is always to bor- Marshall.
think of it as a debt prob- rowmore money. “Some people are making lem but the pressure builds “The debt increases and
impossiblyhighrepayments ■ up and can reach the stage , becomesmoreseriousifitis to lenders like catalogue where it causes anxiety, secured upon your house by companies or credit cards stress and even depression, a ‘charge’, which is a second at the moment. We say, Get Relationships are affected mortgage and can lead to re- thissortedoutnowforbetter andworksufferswhichtums possession,” explained Gill. peaceofmindatChristmas.” the pressure into a serious Katy added: “Our advice downward spiral.” is about being in control of
“We want people to come and get information on how
Gill Hesketh, debt adviser ; to get in control of debt as
School in Clitheroe have been awarded Blue
drawnimagesofgardenbirds.Bothhimand Peterbadges.
(nine) produced a bird book containing hand Hettie were awarded a “green” badge, which
Hettie (10), Charles (g) and James (8), Hettie are given to viewers who care about nature (lo)wasawardedherbadgeforsendingin and the environment as Hettie also produced a poster about the presenters of the pro-
gramme and Barney the dog, while James The trio also received anID card which ena- (eight) had made a replica gold Blue Peter bles each of them togain free access to all the ship out ofhama beads to earn his. Charles BluePeterbadgeattractions.
money. We can offer light supervise^ says that self-em- ' earlyas possible. Butwealsp touchinformationorgetvery ployed people in particular want people to know that it is involved, as people wish. So often continue to struggle never too late. There is always we have self-help handouts with debt longer than they assistance that can be given to give to those who want should, hoping to work their at any stage. We can always it, including standard let- wayoutofproblems.butdig-. advise on a debt problem, terstouse ifpeoplewishto ging an even deeper hole. Please use our expertise. We contact the creditors them- . “Peoplethrowthemselves don’t judge. We don’t corn- selves. With others, we work into working longer hours mentonwhathashappened. alongside them, in appoint-.. and don’t accept that the sit- Wejustwantpeopletoknow . ments sometimes over sever- uation cannot improve,” said how to move forward andget al weeks, until they are back Gill. “Sometimes life is just ready to have a more relaxing on top of things.
• not fair. They need to take time at Christmas this year.” “Our team is very experi- stock and review their plan. Gill can be contacted at
enced. Nothing anyone says We can explain the options- Ribble Valley Citizens Ad- can shock them, we have to a debt management plan to vice on 01200 427336. The reassure people as they fi-e- make affordable payments, a office at Wesleyan Row, Par- quently think they are the : debt relief order, an FVA (In-. sonLane,Clitheroeisopenio first to end up in such a bad dividual Voluntary Arrange- am to 4 pm weekdays except situation. Wewillhavealways ment) or aBankruptcy Order. Wednesdays, and appoint- seenfarworse!
Thatiswhatweareherefor!” ments are available on Tues- “Many people, for many Gill and the debt team’s daysinLongrjdge.;
Tuesday departures, 12 May, :
8 September & 6 October 2015 Steeped In the history of past centuries, idyllic Malta boasts ■ a rich, diverse heritage and spectacular natural beauty with clear blue skies, golden beaches and pretty harbours and promenades. This 4 star holiday includes halfboard and three full-day excursions.
Look what's included.
• Return flight from Manchesterairport to Maltat •Returntransferfromtheairporttoyourhotel
.
- 7 nights stay a t th e 4 star Park Hotel, Sliema with d in n e r and breakfast • Excursion to Gozo with lunch and return ferry crossing • Excursion to Valletta, with lunch and admission to The Malta Experience • Excursion to The Three Cities; Cospicua, Senglea and Vittoriosa, with lunch and a harbour cruise • Free time in Sliema and the surrounding area • One piece of hold luggage per person (at least 15kg weight, dependent on airline)
The advertised price Is correct as of 4 November 14 and is based upon departure from Manchesterairport on 12 May 15.
Monday departures 24 November and 1 December 2014
From ___________
Manchester airport
Fancy somewhere a bit unusual this winter? Think Madeira. It's a top-cruise destination, it s got exotic flora and fauna, mountains, forest, great food and nightlife too, but none of
the party crowds. Plus it's got year-round Goldilocks weather] not too hot and not foo cold, but Just right! Look what's included
• Return flight from Manchester airport to Funchal, Madeira!
•Airport taxes and return transfer to the hotel • 7 nights stay at the 4 s ta r Hotel Raga, Funchal with full board Including drinks with meals
The advertised price is correct as of fi Nov 14 and Is based upon departures from Manchester airport on 1 Dec 14.
Organised by Omega Holidays, ABTA V4782, ATOL Protected 6081. Single supplements apply. Subject to availability.’ We have Included a reasonable budget foryour flights. Should the cost of th««*f n k«i _______
_______ _ _ For m o re information or to b o o k, please call:
01282 87 56 83 q u o te ELN or visit:
www.eastlancsnewspapers.reader.travel
MON-FRI 8.30-19.30 SAT 8.45-15.30 . SUN 10.00-15.00
these changes and therefore the price may Increase or decrease
accordingly.The final price will be confirmed at the time of K i n g OW °?nse ab°ve thl* amount we will amend the holiday cost to reflect O P EN IN G T IM E S :
[Reader uCFSlWSO
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