QUALITY VERTICAL BLINDS AT LOWEST PRICES Perfect Fit Blinds Ideal for Conservatories Simply clicks into UPVC VERTICAL VENETIAN ROLLER ROMAN WOOD TEL: 0161 653 3800 or 07980 733 394 We have moved to... Unit B, Mills Hill Trading Estate Mills Hill Road, Middleton M24 2FD Still 40% OFF WOOD VENETIANS Please quote ‘Chadderton Life’ on all enquiries. Free quote & fitting Made to measure blinds Choose at home! Nobody can beat us for quality or service 3 for NOW IN! VERTICAL BLINDS READY IN 24HRS 30% OFF Rollers & Venetians (When purchasing 3 or more)
Transcript
QUALITY VERTICAL BLINDS
AT LOWEST PRICES
Perfect Fit Blinds Ideal for Conservatories Simply clicks into UPVC
VERTICAL
VENETIAN
ROLLER
ROMAN
WOOD
TEL: 0161 653 3800 or 07980 733 394
We have moved to... Unit B, Mills Hill Trading Estate
Mills Hill Road, Middleton M24 2FD
Still 40% OFF WOOD VENETIANS Please quote ‘Chadderton Life’ on all enquiries.
Free quote & fitting Made to measure blinds Choose at home! Nobody can beat us for
quality or service
3 for
NOW IN!
VERTICAL BLINDS
READY IN
24HRS 30% OFF Rollers & Venetians (When purchasing 3 or more)
2
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Welcome to the September Issue of Welcome to the September Issue of Welcome to the September Issue of Chadderton LifeChadderton LifeChadderton Life
For information regarding advertising: Tel: 0161 345 0984 Mob: 07570548365
CHADDERTON LIFE does not accept responsibility for any of the products or services advertised in this magazine
Hi everyone
What happened to Summer? I hope you all enjoyed your holidays and managed to find a bit of good weather. It’s back to school time as well, so I hope the kids are prepared. We are, at present, putting a new website together and it should be up and running soon. It will contain all the advertisers and articles from the magazines each month. We also want to include more articles and pictures showing events and news from the area so take a look when it’s online and please feel free to contact me with any contributions. We will also be on Facebook and Twitter. I’ll keep you all up to date with the progress.
Thanks and best wishes Trevor
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For a free no-obligation quote contact Steve or Lynne direct on:
07584 68 48 49 Or telephone ChipsAway call centre on:
TEL 0161 654 0841 OR 07985 639512 EXTRA 10% FOR O.A.P’S.
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#03 Rewards, Cashback & Stoozing
Money Saving Tips
The typical interest rate on the vast majority of credit cards is considerably higher than that of personal loans. Therefore it is not recommended that you use a credit card to borrow money. There is an exception... Whereas some credit cards offer cashback or rewards when you spend; others offer an introductory rate of 0%. By cleverly taking advantage of this in-troductory rate, you can often make more money from this type of card than through the best reward and cashback cards. Below, I have outlined the different types of credit card...
03.1 Cashback: It is exactly as it sounds. You get cashback equivalent to a given percent-age (eg. 0.5%, 2%...) of the amount you spend on the credit card each month. But here’s a few things to look out for when picking a cashback credit card... Cashback percentage: Some credit cards offer up to 5% cashback as an introductory rate, but you must always check what the rates are after introductory offers, to make a fair com-parison between cards. If you don’t plan to change your credit card every six months, a more consistent standard rate of cashback can often work out a better option. WARNING: Applying for credit cards has a small negative impact on your credit score. Limit credit card applications to a minimum, especially if you are going to be reliant on your credit rating for something important in the near future (eg. loan or mortgage). You should also be aware of other credit searches that can affect your credit score, these include, mobile phone contracts, car insurance, personal loans, and many more. Don’t be too worried though; the effect is only small and your credit rating will recover after a short period of time. It is pretty much acceptable to apply for a credit card every six months, although there is no hard and fast rule. T&Cs: Always read the terms and conditions of a credit card before applying. Some cards limit their advertised cashback to purchases less than a certain value, and may offer no cashback, or an inferior rate to everything over. Card Issuer: Most cards are issued by Mastercard and Visa, and are accepted by the vast majority of retailers and outlets, but some of the best deals are available through American Express, which is accepted by fewer stores. It is important to check that the card you apply for is accepted by the stores you spend in, and if not, you must be willing to use an alterna-tive card in these stores. You should also be aware of potential charges for using certain cards in certain stores (particularly with Amex).
03.2 Rewards: Rewards credit cards are probably the most popular option, as they are often widely available in the form of store cards. As with cashback credit cards, there are some things to look out for... Rewards percentage: Similar to cashback cards; rewards cards offer you a cashback per-centage, but in the form of points and vouchers. This allows the card provider to disguise the real value of the percentage. For example, a card may offer 100 points for every £1 you spend. This means on a £500 purchase, you would receive 50,000 points. It may sound good; until you realise you need 100,000 for a £1 store voucher. This equates to a 0.1% cashback amount; not so good. This is why you must always calculate the value of rewards. T&Cs: As with cashback cards, always read the terms and conditions to ensure that the card is what you are expecting. Also, ensure the card is accepted by places that you wish to use it.
To get the most out of any reward, cashback or stoozing credit card, switch all of the spending you can to it, even your direct debits, mortgage/rent
(where extra charges don’t apply), but watch out for your credit limit.
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03.3 Stoozing: One of the most common ways for credit card companies to attract our attention is with 0% interest on purchases for an introductory period. Spending with a card like this, is essentially like getting an interest free loan; so if it is offered, why not take it. I am not endorsing irresponsible spending. The normal rule with credit cards is to pay them off every month in full, or even setup a direct debit to pay them off in full. However, when a card company is offering you interest free money, take advantage; simply change the way you pay off your credit card. Here is a step by step guide... 1. Apply for a 0% introductory rate credit card, with as many 0% months as possible, and the highest credit limit possible. 2. Setup the best regular savings account you can find (or maybe make use of an ISA), which allows you to save as much each month as you plan to spend on your new 0% credit card. 3. Switch all of the regular spending you can to your new credit card. 4. Instead of paying off the full balance of the bill each month, put that money into your regular savings account and make the minimum repayments on the card. 5. Watch out for your credit card limit, and stop spending if you reach it. 6. At the end of the 0% interest period of the credit card, you have two options:
Pay off the credit card in full, using the savings you have accrued, leaving you with the interest from the savings; your profit.
Transfer the balance of the card to another credit card which accepts 0% on balance transfers and with low transfer fees. Keep your savings ready to pay off the new credit card when the 0% period ends on that card.
WARNING: When transferring debt from one card to another, calculate the cost of moving the balance (transfer fee) and compare it to the interest on the savings you will accrue. Also, beware of spending on a card that you have transferred debt to. Read the terms and condi-tions of your card, or a mistake could mean you are forced to pay off the full balance of the debt to avoid charges, which would defeat the object of having the card in the first place.
Have a look at moneysupermarket.com/money to compare 0% credit cards and savings accounts.
GENERAL WARNING: You should only use credit cards for stoozing if you are well organised and can plan your fi-nances accordingly. Cashback and/or reward cards maybe a more suitable alternative, if you are worried you won’t be able to plan your savings to cover your spending. Although possessing multiple credit cards simultaneously can allow you to get as much cashback as possible; you should limit the number to as few as possible. Cancel any unused cards; as having more credit cards and a higher credit limit can damage your credit rating over time. Finally, don’t apply for credit card after credit card as soon as you are declined for one, space out applications.
When credit limits are restricting your stoozing, try using a combination of types of credit card to maximise your rewards. You may be able to make
£400 per year, just by changing the way you spend.
NEXT TIME... #04 Mobile Contracts
Information correct as of May 2011
Spending £750pm on three
different credit cards over 1 year...
Credit Card Details Total
American Express
Platinum Cashback
5% Cashback for 3 months, followed by
upto 1.25%
£196.88
American Express Express Rewards
1-3 points per £1 £90 bonus points
£200
Marks and Spencer
Credit Card
0% (15 months)
4% on savings in a
regular savings acc. 1-2 points per £1
£243.83
£5000 spent in supermarkets, £1000 in department stores, £3000 in other stores
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PROFESSIONAL CARPET & UPHOLSTERY
CLEANING
Call now:0161 771 2752 www.mrhygenic.co.uk
All work is carried out using Anti Bacterial Solution &
A Fundraising Charity event to support Ward 75 Manchester Children’s Hospital was held on 23rd July at The Apple and Pear Pub in Alkrington. The evening raised a massive £3.300 from the sale of tickets for a delicious dinner and raffles, and the proceeds of informal auctions.
Vista Windows owner, Craig Wilkinson, is the Granddad of Jack Wilkinson age 7 months. When Jack was 3 months old he contracted Meningitis and was admitted to
Manchester Children’s Hospital for treatment. Jack’s life was in the balance at times but because of the care he received from all the skilled staff at the hospital he pulled through and is now a very happy 7 month old. Jack’s family would like to thank everyone who supported the fund- raising by giving time or financial support. A Big Thank You to :- The Apple and Pear for allowing us to use the room free of charge and decorating it beautifully. Andy Livesey for providing a disco and karaoke free of charge. The Round Table for provid-ing tables and chairs.
The evening began with a three course meal, followed by raffles and auction. Prizes were donated by United Trade Frames from Chadderton. Mayo Civil Engineering from Middleton. TLH Auctions from Roy-ton. The Norton Grange from Rochdale. Vision signs from Blackley. Acorn Glass from Littleborough and Stephen Stockton AKA Jobie. Many thanks to you all.
A massive Thank you to friends and family and everyone who participated in ensuring the success of the evening.
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FREE Quotations
0161 643 6218 / 07729 171 357
Extra security for your windows and doors. Sash Jammers with Keys
supplied & fitted £15 each
Misted or broken units
Changed from £30
Door
Sale now
on Too many
to show Please
phone for free estimate
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Entertainment at The Church Inn this September
Thursday 8th. Peter Sarsfield Thursday 15th. Roxanne. New to the Church Inn Thursday 22nd. Lance Stuart. Male vocalist. New to
the Church Inn. Thursday 29th. Crush. Male Duo Thursday 6th October Fantasy. Girl Duo.
For more information please contact Heather & the Team on 0161 624 6453
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WE NOW ADVERTISE ON RIGHTMOVE!!WE NOW ADVERTISE ON RIGHTMOVE!!WE NOW ADVERTISE ON RIGHTMOVE!!
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£150
SEPTEMBER SUDOKU ~ GRADED CHALLENGING!!!
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3x3 box contain the digits 1 to 9 with no repetition. That’s all there is to it!
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Stephen’s International DutyStephen’s International DutyStephen’s International Duty
After a tough selection process, Stephen Bradshaw (17) from Chadderton is on the verge of gaining his first international musical experience. Stephen has been chosen to represent the UK at the Commonwealth Heads of Govern-ment Conference in Perth, Western Australia , not on the sports field, but as a musician. He has been chosen to be part of The Commonwealth Resounds! an organisation dedicated to bringing together young musicians from across the Commonwealth. Violinist and composer Stephen, who is a student at Chetham’s School of Music, is one of only 14 young musicians from the UK who will be spending two and a half weeks in Australia working and teaching primary school chil-dren and developing partnerships with musicians from all over the world. There may even be opportunities to perform music for senior government representatives from all over the Commonwealth. Stephen is looking forward to the trip and is excited at the thought of performing on the international stage. He said: “It's the experi-ence of a lifetime to play music to such a wide audience and to Meet and share my music with people from all over the world. It'll be an honour to play and learn alongside other international standard musicians and composers”. Unlike many international sports stars Stephen has to find the money to pay for the trip himself. To raise the £2,500 he needs to pay for travel and accommodation he has been performing with fellow students at a number of concerts and is open to suggestions for fresh fundraising ideas to help him get to Perth. If you would like to see Stephen play you can catch him at Mills Hill Baptist Church on September 10th where he will be performing with young musicians from Chetham's School of Music - a varied evening of popular classics, songs and harp showpieces. For tickets please contact Stephen on 07950734580 or email [email protected]
Music at Mills HillMusic at Mills HillMusic at Mills Hill. Saturday 10th Sept. 7.30pm Mills Hill Baptist Church
Jet Wash Service availableJet Wash Service availableJet Wash Service available Block PavingBlock PavingBlock Paving Concrete reConcrete reConcrete re---seals & Flagsseals & Flagsseals & Flags
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Contact John: 0161 653 4616Contact John: 0161 653 4616Contact John: 0161 653 4616 Mills Hill Rd. Mills Hill Rd. Mills Hill Rd. 077875754090778757540907787575409 email: [email protected]
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September
This summer my porch has got me thinking about the plant hunters, those daring (some would say mad), men that traversed the globe to find new plants. It's hard to imagine that before the Tudor period gardens looked very different with only a small number of plants available. It was the Tudors that got gardening cracking. By the first half of the 17th century English gardeners were collecting plants with gusto and the new English hobby of plantsman-ship had begun. An indulgent hobby for wealthy gentlemen which grew, like our gardens, into a glorious obsession. Collecting plants in person or funding expeditions for others became the very in thing. John Tradescant, a gardener at Hatfield House in Hertfordshire became such a successful and re-spected plant hunter that he was later employed by king Charles I. When Tradescant died in 1638, his son continued in his father's plant hunting footsteps and between them they completely changed our gardens with countless flowers, fruits, trees and even the humble Privet ! The plant hunters aren't well known and whilst most will have heard of Cap-tain Cook and his voyage aboard the Endeavour to the East coast of Austra-lia, few will know that Joseph Banks hitched a lift and collected thousands of plants including Eucalyptus and Callistemon (bottlebrush plant). Even Cap-tain Cook was impressed, hence the botanically named 'Botany Bay'. On their return Banks' achievements almost outshone Cook's. Banks planned to travel again with Cook, but he never did, Cook refused his demands for 15 staff which included two French horn players ! Banks stayed in England where he became the unofficial director of Kew Gardens and he sent others to do the plant hunting for him. Thanks to him and the other Kew botanists, Kew became the envy of all the other botanical gardens.
Of course plant hunting was a dangerous business and plenty lost their lives.- " Good God, when I consider the melancholy of so many of botany's vota-ries, I am tempted to ask whether men are in their right mind who so desper-ately risk life and everything else through the love of collecting plants" So said Carl Linnaeus, the man who is largely responsible for the way we name
By Shelagh Stewart
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plants, a much safer occupation than finding them ! Two Kew gardeners, David Nelson and William Brown were aboard Captain Bligh's ship the Bounty when the voyage ended in mutiny and ultimately their deaths. Much closer to home the Duke of Devonshire, along with his head gardener Joseph Paxton were transforming the gardens at Chatsworth and were hungry for new plants. The Duke helped to fund an expedition to California and the Pacific North-West and in March 1838 two Chatsworth gardeners, Peter Banks and Robert Wallace, were warned about the dangers of bears and women, paid £1 4s per week and sent off on the three year expedition. Sadly, just a little over a year later news reached Chatsworth that both young men had perished in the Colombia river rapids. Plant hunting was not for the faint hearted and Paxton never organised another expedition. Of course not everything the plant hunters collected was such a good idea, plants like Japanese knotweed, Himalayan balsam and Rhoddodendron pon-ticum have turned out to be invasive and expensive mistakes. You'd be wrong if you thought hunting for plants was something confined to the past, or that there's nothing new left to discover. There are still plant hunters who continue to risk life and limb to study, collect and help conserve plants in far flung places. Thankfully, there's more of an emphasis on conser-vation these days and finding ways of making plants work for us. Tom Hart Dyke, a modern day plant hunter, was looking for orchids near Colombia when he was captured and held hostage for 9 months. He was lucky to es-cape with his life, especially when you discover he drove his captors batty by
building gardens in his prison and end-lessly talking to them about orchids ! So, back to the porch....My porch is tiny, two plants is a squeeze and it gets a lot of sun. This year it's home to a pepper plant with a fabulously showy, Gloriosa lily scrambling through it. The glossy green peppers are perfect com-panions to the crimson, spiderlike lilies- fabulous ! They've grown like triffids and I'm a slave to the tomato food, but
it's worth it. My porch looks and smells super-tropical and that's exactly what they are, a small slice of South America in Middleton !
HAPPY GARDENING!
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All major brand appliances supplied. Worksurfaces in granite, smartstone & bushboard. Replacement kitchen doors. Coloured glass splashback options. Quickstep laminate flooring. New Range of sliding doors on display.
Contact Andrew or JamesContact Andrew or JamesContact Andrew or James on telephone: on telephone: on telephone: 0161 637 78090161 637 78090161 637 7809
Showroom at: Unit D11 Pandora business park
Moston Road, off Greengate Middleton, Manchester M24 1RU
Monday-Thursday 9.00am-5.00pm, Friday 9.00am-4.00pm and Saturday and Bank Holidays 10.00am-2.00pm CLOSED SUNDAY
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LOCAL BUILDER REQUIRES WORK
Brickwork & Pointing Specialist
All Aspects of Building Work Undertaken.
Contact Colin on:
0161 681 1935 07949 514 959
58 Owler Lane, Chadderton
26 Years Experience in Building Tradesman Bricklayer
MANUFACTURING UPHOLSTERERS
Have your new sofa and chairs hand made to order in
sizes of your choice.
All work done by British craftsmen in our factory.
We also offer a friendly, reliable re-upholstery service.
Call now for a free estimate without obligation.
Telephone: 0161 624 4477 Unit A2, Falcon Centre
Victoria Street, Chadderton Oldham, OL9 0HB
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26
The Club celebrated one of its most successful seasons at two packed out Presentation Events over the weekend of the 12th June at the prestigious Middleton Arena. Ex Oldham Athletic favourite and current Leicester City player Ritchie Wellens pre-sented squad trophies to players from our Soccer School though to our U16s team in recognition of their season’s endeavours. Each team also received individual awards for Clubman, Most Improved, Players’ Player and Manager’s Player of the season. The following teams also had their successes acknowledged:-
Under 7s – East Manchester - Cup Winners Under 8s – East Manchester - Cup Finalists Under 10s – Tameside and District Junior League - League Winners Under 12s – East Manchester - League and Cup Double Winners
Tameside Sunday - League and Cup Double Winner Under 13s – Tameside and District Junior League - Cup Winners
From a Club perspective it was pleasing to note that the majority of players in our trophy winning teams had graduated from our highly successful soccer school. Our U7s Manager Danny Kevens was presented with the David Knight Memorial Trophy for outstanding contribution to the Club. We also presented awards to Dave Coleman who was the u13s Tameside Sunday League official of the year, James Larty who was the U13s Tameside Sunday player of the year and Shane Taylor who won the Tameside and District Junior League U11s player of the year. All accolades for the club. The Club was also presented with the prestigious FA Charter Standard Community Award at the Oldham Athletic v Brentford home game on 22nd January 2011. This was a fantastic achievement and a testament to the hard work and commitment of the Club’s committee, team managers, assistants and volunteers whose efforts, week in week out, provide football to some 250 youngsters from within the borough. The club is also looking to run a vet’s team and would welcome contact from any inter-ested parties. Also any volunteers or youngsters who would like to be involved with the Club please contact: Peter Hamilton (Chairman) on 07932 485175 or visit our website www.chaddertonfcjuniors.co.uk
As from Sunday the 4th September our soccer school is moving to:- The 3G All Weather Pitch at Bare Trees Primary School Holly Grove Chadderton OL9 0DX Every Sunday 11.00am to 12.00 noon.
We are delighted to confirm that we can now offer power drain jetting from £45, gutter replacement and repair -
a complete building maintenance care service from roof to drains for your home or business.
COMMERCIAL DOMESTIC INDUSTRIAL
A.C.S.
77916
Plumbing and central heating maintenance
Part P
REGISTERED PLUMBING COMPANY 77916
We will price match any company'sWe will price match any company'sWe will price match any company's estimates like for likeestimates like for likeestimates like for like
A complete building maintenance care service from roof A complete building maintenance care service from roof A complete building maintenance care service from roof to drains for your home or business.to drains for your home or business.to drains for your home or business.
The North Manchester & Bury Myeloma Support Group (1pm – 3pm) Elizabethan Suite, Bury Town Hall - 0161 766 4669 (Joan) Emotional and educational support for people with myeloma, their carers, family and friends. There will be a talk from John Joshua from Cancer Network on ‚Cancer Survivorship,‛ but there is always time to chat, share experiences and give one another practical and emotional support. If you would like to come, you are very welcome.
191919ththth
Two Brothers and One World Cup £6 - £10 (7.30pm) Oldham Coliseum - 0161 624 2829
202020ththth
Family Friendly Film Club (up to 6yrs) FREE - Please Book (2pm) Gallery Oldham - 0161 770 4653
Royal London House| 56-58 Long Street| Middleton| Manchester| M24 6UQ|
T: 0161 653 5299 | F: 0161 653 3161
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SERVING THE PEOPLE OF MIDDLETON FOR 6 YEARS
625A MANCHESTER OLD ROAD, RHODES, MIDDLETON M24 4PN TEL: 0161 643 9399
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Police Enquiries* (0161) 872 5050
Chadderton Fire Station* (0161) 909 8603
Crimestoppers*† 0800 555 111
Chadderton Neighbourhood Police* (0161) 856 8825
NHS Direct*†† 0845 46 47
The Royal Oldham Hospital* (0161) 624 0420
ASDA Pharmacy (open ‘til late) (0161) 484 1060
Why advertise in Chadderton, Why advertise in Chadderton, Why advertise in Chadderton, Middleton and Alkrington Life?Middleton and Alkrington Life?Middleton and Alkrington Life?
Chadderton Life, Middleton Life and Alkrington Life have a total monthly circulation of almost 8500.
The magazines have longevity. The majority of householders keep each magazine for a whole month until their next edition is delivered - giving unbeatable value for money.
The three publications don’t merely contain adverts. Quality editorial and relevant advertorial content ensure that the magazines are highly readable.
Advertising rates are unbeatable within the area, for such high quality, respected and established publications.
Rates start from less than £22. Can your business afford NOT to advertise?
Chadderton Life www.chaddertonlife.com (0161) 345 0984 [email protected]
*These numbers are not for emergency use and you should always dial 999 in replace of these in an emergency. †0800 numbers are free from BT landlines, other providers may vary. ††0845 numbers are charged at a local rate from BT landlines, but can be charged at premium rates by other providers. 0871 numbers are premium rate.
National Rail Enquiries†† 08457 48 49 50
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Gas Safe Registered Ex British Gas 27 Years Experience Power Flushing Boiler Upgrades & System Upgrades Cookers, Fires, Water Heaters
WARM HYDRO BATH NAIL CLIPPING EAR CLEANING CLIPPING, TRIMMING & HAND STRIPPING LOTS OF T.L.C
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0161 633 1572 Stockists of Quality Pet Foods
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Please note: WE ARE CLOSEDPlease note: WE ARE CLOSEDPlease note: WE ARE CLOSED From 26th Sept until 3rd OctFrom 26th Sept until 3rd OctFrom 26th Sept until 3rd Oct
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Accountants TaxAssist
Aerials & Satellite Visual Solutions
Bathrooms Complete En-Suites
Blinds Retail & Cleaning Archer Blinds Sonic Kleen
Building & Home Developments Colin Gibbins McGinty Projects Ltd. Middleton Property Maintenance
Carpet & Furniture Cleaning Mr Hygenic
Carpet Retail & Fitting Chris Kelly’s Carpet Market
Car Repair & Valeting Chips Away
Central Heating Blue Flame Fourways Gas Services Kwik Plumb
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