Visioniss25

February Issue 0025 2015

YOUR MUST HAVE

FREEMAGAZINE

ISIONV February Issue 0025 2015YOUR MUST HAVE

FREEMAGAZINE

ISIONVTuesday 17thPancake Day

What to buy forValentineDay

Sarahs Tips for theValentine Outfit

WIN a Beauty

MakeoverInside

WHATS INSIDEFEBURARY 2015INTRODUCTIONWelcome toVISION Clyde Valley & Avon

To celebrate our third year publishing the magazine we have an amazing competion. One lucky reader will get to look Fabulous this new year. Prizes include, cut & colour, nails & brow shape, makeover form SGC. Details for entry can be found on the inside back cover. The winner will feature in the magazine.

We are also set to launch our new website and facebook page, which will feature special o ers and competitions.

Pi

Sarah Mcgough is a beauty and fashion writer from Wishaw. She is a highly experienced Makeup Artist, and creator of makeup brand SGC. www.sarahgcosmetics.com

Abou

t Sar

ah M

cgou

gh With over 10 years experience in the merging worlds of fashion and beauty, she has a strong knowledge of current trends and style, she has covered and worked on fashion weeks across Europe, as well as styling and directing fashion shoots and shows.Sarah will be bringing you all the latest must have beauty and fashion trends along with helpful hints and tips to have you looking fabulous all year long with Vision magazine.

FEATURE Pauline Bulloch examines how low interest rates aff ects all of our income 3

FEATURE What to buy your loved one for Valentines Day4

FASHION Sarah Mcgough takes a look at diff erent outfi ts to help you through Valentines Day 5

FOOD Pancake day do you know the vitals ingredients6

DEBATE Fair trade fortnight is between the 23rd February to 8th March do we need it? 8

FUNERALS In our modern society what part does religion play in re-membering those that have past on 11

PUZZLE PAGE

Crossword and Sudoku

12BOOKS & MOVIE REVIEW

This months movie to go see and this months book review

13SOLUTIONS Solutions to crossword and sudos

14FYI Some important telephone numbers. For your information

15LOCAL TRADES

Local trades and businesses close by

15

PHYLLIS FORREST EDITOR

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VISION FINANCIALS

Income is important. Its an obvious statement. The diffi culty is that, in an uncertain world, investment income is hard to fi nd right now. Investors looking for income have faced an increasing challenge ever since the fi nancial crisis broke in 2008.

Financial institutions across the globe took extreme measures to protect themselves from global meltdown. Central governments across the world also reacted strongly, forcing interest rates to record lows.

Almost seven years on and interest rates in the UK remain almost non-existent. The result is real losses for savers in bank and building society deposits which fail to match infl ation. Investors wanting to secure a better level of income have realised that they must look beyond traditional cash deposits.

History shows that investing in shares, has provided investors with a better chance of outpacing infl ation over the long term versus

other asset classes, particularly if the shares are able to increase the dividend payments year after year.

With dividend payouts on the turn, the outlook for equity income funds could also be on the up. Equity income funds have a strong track record for delivering attractive, sustainable income and steady returns over the long term. But it is worth remembering that not all equity income funds are the same. Some are better for income, while others provide better prospects for total return.

A diversifi ed investment portfolio with exposure to numerous asset classes will help position your portfolio to benefi t from growth across the investment spectrum.

Commercial property felt the full eff ects of the credit crunch and the fall in property values left many investors reeling from signifi cant drops in their property portfolios.

But again, history suggests that commercial property has a place in a portfolio for income investors. Its long-term track record is strong

and, importantly, it off ers returns that are similar to other asset classes.

Investors should note that investing in real asset classes (equities, corporate bonds and commercial property) does not provide the security of capital which is characteristic of a deposit account with a bank or building society.

Those investing for income need to remember that no one asset class is the remedy. With interest rates likely to remain low for some time to come, a well-diversifi ed, well-managed portfolio which blends a range of asset classes remains the most suitable strategy for investors to satisfy their longer-term income needs.

I believe that our ability to tailor solutions to an individuals needs and attitude to risk means your income investments are in good hands.

The value of an investment will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Investing For Income

To advertise in The VISION call 07957 358 355 or Email [email protected] VISION | issue 25

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The year was 1969 and they were hopelessly in love. As two of Hollywoods biggest stars, and arguably the most famous couple in the world, Richard Burton decided to prove his undying passion for his wife Elizabeth Taylor by purchasing a huge 69.42 carat pear shaped diamond with a 1m price tag to match.

What to buy the one you love on Valentines Day

To advertise in The VISION call 07957 358 355The VISION | issue 25

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jewellery, is there anything else out there a little more unusual that will keep you in their good books, whilst avoiding one of those looks?

If togetherness is your thing, you can buy a pair of love gloves for around 20, but if you fancy something more thrilling, how about a lovers leap bungee jump at around 120? That will certainly add some excitement to a relationship!

If adrenalin rushes are your lovers thing, why not consider indoor sky diving, fl ying lessons, dumper truck racing, and a super car thrill experience where you get to drive a real sports car? Snooker and other sports coaching lessons can also be purchased for around 150 a time.

If pampering is more palatable, how about a spa package, or a make-over followed by a photo shoot, or for around 25 a design your own perfume set?

If food is the way to a mans heart, then chocolate is defi nitely the entry to a womans! For something diff erent, why not get her a pizza made entirely of chocolate, or chocolate-shaped spoons that melt in hot milk making a deliciously smooth drink?

Finally, what could be more romantic than naming a star after your loved one, or giving them the chance to name one themselves? You can purchase this privilege for around 20.If you havent found an idea here to suit your taste or your pocket, try searching some for yourself.

The following websites are a good place to start: thepresentfi nder.co.uk; prezzybox.com; notonthehighstreet.com.

Though this extravagant act hit the headlines, it is by no means unique. In 1648 emperor Shah Juhan built the Taj Mahal, the crown of palaces, in memory of his wife Mumtaz Mahal. More recently, Chelsea football club owner Roman Abramovich gave his girlfriend a bronze sculpture worth $14m - one of the most expensive gifts ever made.

At the other end of the spectrum, the less rich and famous have earned themselves a place on the Internet if not in the history books, by presenting their loved ones with less salubrious off erings. An empty suitcase, with not a hint of surprise tickets to a romantic destination, a deep fat fryer with left over Christmas chocolate hidden inside, and divorce papers delivered while dining out, are just a sample of these gift-giving gaff s.

With Valentines Day almost upon us, you may be wondering what to buy your loved one. Apart from the usual fl owers, chocolates and

Gifts that say I Love You

Though this extravagant act hit the headlines, it is by no means unique. In 1648 emperor Shah Juhan built the Taj Mahal, the crown of palaces, in memory of his wife Mumtaz Mahal. More recently, Chelsea football club owner Roman Abramovich gave his girlfriend a bronze sculpture worth $14m - one of the most expensive gifts ever made.

At the other end of the spectrum, the less rich and famous have earned themselves a place on the Internet if not in the history books, by presenting their loved ones with less salubrious off erings. An empty suitcase, with not a hint of surprise tickets to a romantic destination, a deep fat fryer with left over Christmas chocolate hidden inside, and divorce papers delivered while dining out, are just a sample of these gift-giving gaff s.

With Valentines Day almost upon us, you may be wondering what to buy your loved one. Apart from the usual fl owers, chocolates and

Are you are somebody who gets all misty eyed and loved up on the 14th of February, or someone who sees the occasion as a love heart infested nightmare? There is no reson why you shouldnt look fabulous whatever your view. As Valentines day also falls on a Saturday this year, my guide will have you looking great whether you are enjoying a fun day out with the girls or a hot date with your crush

I love to dress up and embrace everything about Valentines Day, love hearts? Yes please!

OUTFIT 1

OUTFIT 2

This is a cute yet dressy outfi t, perfect for a fi rst date, as you still look great without looking like you have tried too hard, add a pop of pink lippy and your good to go!

Valentines day? Humbug!! Im off shopping with the girls!

You certainly dont need a man to feel inredible, so make a statement with this fun and cute outfi t

I have a dinner date and I want to look HOT

OUTFIT 3

Make a break away from the traditional LRD (little red dress) and stand out from the crowd in a sassy jump-suit instead

Out t 1Jumper; Oasis, 38. Dark Jeggings; River Island 45. Shoes; New Look 27.99Out t 2Boots; H&M,29.99. Red Jeans; M&S,35. Trench; Primark,28 Tshirt; River Island, 17.99Out t 3Statement Neclace; River Island 20. Jumpsuit; H&M, 29.99 Shoes; ASOS,45Happy Valentines everyone, Sarah. xxx.

VALENTINEFASHION


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Ingredients115g (4oz) plain fl ourPinch salt1 large egg285ml (half a pint of milk)115g (4oz) butter, meltedJuice from 2 lemons, strainedCaster or Demerara sugar to taste.

MethodTo make the batter: sift the fl our and salt into a large mixing bowl and make a well in the centre.

Beat in the egg and a little of the milk until smooth. Gradually beat in the remaining milk and add 4 tablespoons of the melted butter. Cover the bowl and leave to stand for one hour.

In a small non-stick frying pan heat some of the butter until sizzling, but taking care not to let it burn. Pour enough batter into the pan to coat the base evenly.

Cook over a moderate heat until the pancake is light golden brown underneath and looks dry on top. Flip over (try to do this with style!) and cook the other side until golden. Continue until all the batter is used. The recipe should make 10-12 pancakes.

You can keep the pancakes warm in the oven (Gas mark 1 / 140C) until they are all cooked, but in our house theyre barely out the frying pan before theyre scoff ed.Serve with the lemon juice and sugar...Enjoy!

PANCAKETuesday 17th February 2015

Shrove Tuesday (widely known as Pancake Day) is a day in February or March, preceding Ash Wednesday (the fi rst day of Lent), which is

celebrated in many countries by consuming pancakes.

Shrove Tuesday, a moveable feast, is determined by Easter. The expression "Shrove Tuesday" comes from the word shrive,

meaning "confess". Shrove Tuesday is observed by many Christians, including Anglicans, Lutherans, Methodists and Roman Catholics,

who "make a special point of self-examination, of considering what wrongs they need to repent, and what amendments of life or

areas of spiritual growth they especially need to ask God's help in dealing with."

Being the last day before the penitential season of Lent, related popular practices, such as indulging in food that one sacrifi ces

for the upcoming forty days, are associated with Shrove Tuesday celebrations, before commencing the fasting and religious

obligations associated with Lent. The term Mardi Gras is French for "Fat Tuesday", referring to the practice of the last night of eating richer, fatty foods before the ritual fasting of the Lenten season,

which begins on Ash Wednesday.

DAY

Please mention The VISION when responding to advertisementsThe VISION | issue 25

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Fairtrade fortnight takes place this year between 23 February and 8 March 2015, and aims to continue to raise awareness and change behaviour around this important topic. Research shows that whilst 78% of the UK population recognise the Fairtrade Mark, over 50% still do not actively choose Fairtrade products.

Fairtrade FortnightWhat is

and why do we need it?

Fairtrade is about getting better prices,

working conditions and fair terms of trade for farmers and workers. Its

about supporting the development of

thriving farming and worker communities,

so that they have more control over

their futures and protecting the

environment in which they live and work.

It is now possible to buy around over 4,500 products officially branded Fairtrade including: Tea, Coffee, Bananas, Chocolate, Gold, Flowers, Cotton and Sugar. Sadly however, only 1.2% of cocoa and 10% of tea globally are traded on Fairtrade terms. Did you check the packaging for the Fairtrade logo when you last bought some tea?

The Fairtrade mark means that the Fairtrade ingredients in the product have been produced by small scale farmer organisations or plantations that meet social, environmental and economic Fairtrade standards. These standards help to protect workers rights and environment. They also ensure payment of the Fairtrade Minimum Price for the commodity, and an additional Fairtrade Premium which is invested into the business or community projects.

Small scale farmers and workers are amongst the most marginalized globally, and Fairtrade helps them through trade, not aid, providing stable income to help them plan.

Fairtrade only certifies small scale farmer organisations for products such as cocoa, cotton and rice, but does certify plantations with larger numbers of employees for goods such as tea, bananas and flowers. The standards required for larger organisations

include allowing them freedom of association and collective bargaining, and prevention of discrimination and child labour.

The producers decide how the Fairtrade premium is invested. Often this will be in schools, transport, health care and better business equipment and practices. There are over 1.4 million farmers and workers in 1,140 producer organisations within the Fairtrade System. These are across 74 different countries and four continents.

Fairtrade.org.uk would love people to get involved during Fairtrade fortnight. Here are some suggested activities to increase awareness and raise money. Create a Fairtrade Trail around your local area highlighting those selling Fairtrade products.

Build a model of something funded from Fairtrade premium such as a school or health centre, and display this in a prominent place to make it a talking point.Have some fun creating a special event. This could be a film evening showing the Fairtrade film, or something more elaborate such as a Come Dine With Me experience. Tasting events featuring Fairtrade produce are also popular.


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Planning Your Wedding

Here are some of the best local businesses in the area to help you with all the important and di cult decisions on planning your perfect day.


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Over the past ten years things have been slowly changing and there are now different options available when planning a funeral. Traditionally the funeral service has fallen into two camps - religious, conducted by a Minister of the Church or non-religious, usually conducted by a Humanist Celebrant.

Obviously the former follows a set pattern of worship within the traditional funeral service structure and the latter honours anyone who wants no religious content in the service whatsoever. But what about the growing majority of people who fall somewhere in the middle of these two extremes? What if the elements you would like include both religious and non-religious elements? What if you would like

FUNERALS IN A CONTEMPORARY SOCIETY

How often have you attended a funeral only

to leave the ceremony with the feeling that the

service did not wholly represent the character

and personality of the deceased?

a truly bespoke ceremony in an unusual place?

In this instance a Civil Celebrant can be engaged by the family directly or contacted by your Funeral Director and it is their job to create a funeral ceremony that truly reflects the life of your loved one. A Civil Celebrant will create a ceremony that brings together the wishes of the family and those of the deceased.

One of the key features of a civil funeral is a highly personal tribute created by the Celebrant in conjunction with the family. This tribute is a celebration of the person's life, recounting their experiences, attributes and qualities. Every effort is made to capture the very essence of

the deceased and their lasting spirit. The tribute forms a part of the whole ceremony that the Celebrant will create in partnership with the family and readings, poems and favourite music (of any kind) can also be included.

First and foremost speak to your Funeral Director about the different options available, they are there to help you and your family throughout a difficult and emotional time and they will be able to put you in touch with the right person be that a Minister, a Humanist or a Civil Celebrant.

Sue Butcher - Civil Celebrant www.civilceremonyscotland.co.uk


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Puzzles to keep the brain fi t and active

Across1. Male cat4. Making much noise8. Weapons9. And so forth10. No longer in existence12. To put to use13. Suspended14. Sweatbox17. Merits20. Collide with22. Points of entry and exit23. Rather yellow24. Cooking oil25. Cricket ground26. Rigid27. Musical

Down1. Female tiger2. Pad3. Long narrow excavation5. Antiquated6. Sleeping car7. Infant11. Abdomen15. Former Soviet republic16. Gathering of pus in body tissue18. Exhausted19. Heavenly colour?21. Artifi cial leg22. Ruse

Medium Hard

February is National Heart Month - the time of year the British Heart Foundation asks the UK to look after their heart health and the heart health of their loved ones.

Smoking is one of the major causes of cardiovascular disease, and smokers are almost twice as likely to have a heart attack as people who have never smoked. Smoking can increase your risk of developing several diff erent types of cancer and it's the main cause of some lung diseases. Smoking harms your heart by damaging the lining of your arteries reducing the space for blood to pass through, carbon monoxide in cigarette smoke reduces the amount of oxygen that the blood can carry to your heart and body, nicotine in cigarettes stimulates your body to produce adrenaline, which makes your heart beat faster and raises blood pressure, and results in your heart having to work harder, your blood is more likely to clot. All of these things increase the risk of developing coronaryheart disease and having a heart attack or stroke


13

review books screen

Retirement is meant to be relaxing, isnt it? You do what you love doing, and enjoy yourself. But what if you suddenly receive a letter out of the blue?

A woman who worked in your office many years ago has cancer and is dying. She just wants you to know. This touches you for reasons you cant quite explain, so you write her a note to say that you are sorry to hear that. Putting on your coat and your yacht shoes you leave with the note. Your destination? The post box. Just as far as the end of the road.

And so starts Harold Frys extraordinary journey: 627 miles in 87 days. With no plan, other than to reach Queenie, he sets off on a journey of faith. Scribbling on the note he tells her to wait for him. This debut novel from radio and TV writer, Rachel Joyce, will take you on a gentle journey with Harold and the various people he meets along the way. Totally unprepared for what he will encounter, his faith in positive thinking keeps him going as he learns more about his life and relationships with his wife and son.

The Unlikely Pilgrimage of Harold Fry By Rachel Joyce

Gargoylz: Get up to MischiefBy Burchett and Vogler

If you thought your time at primary school was exciting, then you have nothing on nine-year-old

Max and his best friend Ben. Their school is next to an old church and to their delight, they discover that the stone figures on the church come to life. In this, the second book in the series, Toby, a mischievous young gargoyle with the ability to fly, manages to create havoc at the school, much to the disgust of Mrs Hogsbottom who, after an incident with a skateboard, reminds pupils of school rule number 27: the head teacher must not be run over without permission.

Max spends most of his time trying to keep Toby and the other gargoylz under control: not easy when they can make themselves invisible and so avoid all the blame! When he suggests that Toby runs a bath to clean himself up after eating a packet of chocolate biscuits, its not difficult to imagine the rather wet chaos that ensues. Written for readers age 6+, with an interactive website to explore the stories and characters more, this is sure to keep both boys and girls engrossed, with the added bonus of many more books to enjoy.

FIFTY SHADES OF GREYRelease Date some cinemas 13th Feb 2015

When Anastasia Steele, a literature student, goes to interview the wealthy Christian Grey, as a favor to her roommate Kate Kavanagh, she encounters a beautiful, brilliant and intimidating man.

The innocent and naive Ana startled to realize she wants him, despite his enigmatic reserve and advice, she finds herself desperate to get close to him. Not able to resist Ana's beauty and independent spirit, Christian Grey admits he wants her too, but in his own terms. Ana hesitates as she discovers the singular tastes of Christian Grey- despite all of the embellishments of success - his multinational businesses, his vast wealth, his loving family - Grey is consumed by the need to control everything.

As they get close Ana starts to discover Christian Grey's secrets and explores her own desires.


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