Our award winning chefs, proudly create dishes that follow nature and it’s season, giving ultimate taste and flavour. 01283 346047 thebootatrepton.co.uk The Boot, Repton, Derby DE65 6FT Rick Graham, Manager, will ensure you have a first class experience. The Boot is a traditional pub serving a selection of award-winning classic and contemporary dishes, fine wines and real ales that are hand-crafted in our micro-brewery. We have 9 uniquely designed and furnished bedrooms offering luxury accommodation. Ideally situated for business and for touring the Derbyshire countryside. We produce our own Boot Beer, in a 6 barrel micro-brewing plant, offering a series of ales with exciting, dynamic tastes created by Head Brewer, Jon Archer. The recent addition of our beautiful garden room has now enabled us to offer a dining experience for larger groups of people.
H2SJP 3506 1/19 Winter 2019/20 | THE Derbeian Media Editor Chris Varty 3 V Media Limited 01332 749187 07841 474758 Advertising Chris Varty 3 V Media Limited 01332 749187 07841 474758 Graphic Design Jonathan Horne JHCreative 07765 404356 email@example.com www.jhcreative.co.uk Print Buxton Press Limited 01298 212000 www.buxtonpress.com MEMBER OF All information is correct at the time of going to press. © Copyright 2019/20 The Derbeian Magazine. All rights reserved. Welcome Hello and welcome to the ‘Winter’ issue of The Derbeian, a quarterly magazine dedicated to stories and information about my home town of Derby. Some of you may already be reaching for a pen or keyboard to tell me that Derby has been a city for many years now, but when I was born here nearly 65 years ago, Derby was a town and walking through the Cathedral Quarter today, it can still feel like one. I feel privileged and proud to be able to bring this magazine to you and I hope that with each issue we will stimulate some happy, forgotten memories, provide a little bit of the history of the city and for others a connection with the city that is so close to my heart. I’m sure there are also many of you who have stories to tell about your area of Derby, so if you would like to share them in The Derbeian, we would welcome contributions from local writers. Contents Winter 2019/20 Chris 5 Travel Counsellors Do you love holidays but find there is too much choice? Do you not have enough time to plan your ideal holiday? 6 Steel Rose Photography Specializing in wedding and portrait photography across Derbyshire and South Yorkshire. 7 Paula J Fordi I’ve never met a dress yet that I can’t alter! 9 White Peak Wealth Management How to take care of yourself and your loved ones in later life. 14 Derby Local Studies: The Moon Struck Philosophers A remarkably rich collection of material, available on request, relating to the activities of a group of people known collectively as ‘The Derby Philosophers’. 22 Else Solicitors The order of death – commorientes rule explained. 30 Oltco Oltco, the UK’s leading sustainable resin driveway specialist, has launched in Derby ran by local businessman Adam Smith. 34 Motoring with Syd Taylor Skoda Fabia – Monte Carlo 1.0 TSI 95PS. Kia Ceed – Sportswagon. 40 Bespoke Inns Traditional Country Inns in the villages of Willington, Repton and Melbourne. 46 Old Derbeian Society Visits made to WW1 and WW2 Belgium and French Cemeteries. www.thederbeian.com @TheDerbeian @TheDerbeian THE Derbeian Bookstore Download the Kindle edition of the Derbeian Magazine at buff.ly/2yhnPcu or search for ‘The Derbeian’ on Amazon. Pick up from Derby Local Studies & Family History Library Riverside Chambers Derby 01332 642240 Melbourne News 35-36 Marketplace Melbourne 01332 863156 Darley Abbey Village Stores 7 Abbey Lane, Darley Abbey 01332 551247 Duffield Art Gallery 7 Bridge Street Belper Derby’s DE56 1AY 01332 840845 Holbrook Village Store and Gift Shop 61 Chapel Street, Holbrook, Belper DE56 0TQ 01332 883050 FEATURED ARTICLE White Peak Wealth Management More and more people are facing a financial dilemma as they grow older. WHITE PEAK WEALTH MANAGEMENT LTD Partner Practice of St. James’s Place Wealth Management Tel: 01773 828768 | Email: firstname.lastname@example.org | Web: www.whitepeakwm.co.uk 30A Town Street, Duffield, Derbyshire, DE56 4EH ADVERTISING FEATURE HOW TO TAKE CARE OF YOURSELF AND YOUR LOVED ONES IN LATER LIFE See page 9 More and more people are facing a financial dilemma as they grow older. Many people would like to make monetary gifts to provide immediate benefit to loved ones as soon as po sible. But there is a growing fear that money could run out, leaving them unable to maintain a standard of living later in life, especia ly if long-term care is required. The cost of care can vary considerably acro s the country, and wi l be dependent upon the type of care and level of support you wi l require. This wi l often be determined through a care needs a se sment. However, with the average annual cost of residential care around £31,200, rising to over £43,732 for nursing care (LaingBuisson, Care of Older People UK Market Report, December 2017), the spectre of having to se l a property to meet care costs looms large for many. Even if people choose to remain in their own homes and receive care there, the cost is significant. And, on top of a l this, there is the threat of Inheritance Tax (IHT), which can have a serious impact on people’s estates. IHT used to be the preserve of the very wealthy, but escalating property values in the last ten years have put paid to that, with more and more people a fected every year. In April 2019, the residence nil-rate band rose to £150,000, for those who qualify, and is due to increase to £175,000 in 2020. Coupled with the fact that the first £325,000 of an individual’s estate is exempt from IHT, this wi l mean that, subjec to certain conditions, a ma ried couple and civil partners could have a combined tax-free estate worth £950,000, a figure that wi l rise to the mi lion-pound mark in 2020/21. However, there are other financial implications to consider, particularly if you are a widow, widower or divorcee. Individuals often do not take the time to understand the impact that care fees or IHT could have on their wealth. Many people are confused by IHT policy and many mistakenly believe they are unlikely to be a fected by this or the need for care in later life. This lack of preparation could have serious consequences later in life. The good news is tha there are solutions to help safeguard your wealth in later life. Understanding what you can gif to love ones now, or place in trust for later, can give you acce s to the income you need today and also help to mitigate any future exposure. Something as simple as ensuring your Wi l is up to date could reduce the risk of your estate being severely reduced through IHT and the high cost of long-term care. PEOPLE SHOULD CONSIDER THE BIGGER PICTURE WHEN PLANNING FOR LATER LIFE. More detailed planning advice wi l always need to consider your personal circumstances. The best action anyone concerned abou these i sues can take is to seek profe sional advice and establis how you can protect your hard-earned assets. For further information, or to a range a no obligation meeting, contact White Peak Wealth Management on the details below. The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances. The writing of a Wi l involves refe ral to a service that is separate and distinct to those o fered by St. James’s Place. Wi ls and trusts are not regulated by the Financial Conduct Authority. Contents | 3 Simon Dixon and Simon Annable Directors of White Peak Wealth Management Between us, we have over 40 years of experience in the wealth management industry. We met in 2001 when we were both focused on providing mortgage and protection advice. We built up a good professional relationship over the years and in 2009 we decided to join forces and work together with the shared common goal of striving to provide sound financial advice to individuals and business owners. We specialise in providing face to face expert advice in investment and retirement planning at our offices in Duffield or, if you prefer, at your home or workplace. We are commi ted to helping each of our clients realise their financial aspirations by building a long term relationship based on trust and an in-depth understanding of each client’s unique financial circumstances. It is no coincidence that most of our new clients come to us as a personal recommendation by existing clients. For further information, or to arrange a no obligation meeting, please phone us on 01773 828768 or email at email@example.com. White Peak Wealth Management Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.
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