274 July 2017 - Gryffe Advertizer

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22 the advertizer t: 01505 613340 07731 923970 e: info@advertizer.co.uk This event is being held to bring together local business people, bloggers, creatives, entrepreneurs and community members to connect, grow and collaborate. Join us in the Hunters Bar on the last Tuesday of every month from 10am - 11.30am, the next event will be on Tuesday 27th June 2017. This is a free event, with tea, coffee & breakfasts available if you wish and of course, no business event could be without the free WIFI. The format of the morning will be casual with meeting and greeting taking place first followed by a guest speaker. Run by our Assistant Manager Sarah, who has over 10 years experience running a variety of events, including business networking. Business Bites attendees will also be eligible to sign up to a members only mailing list, giving them access to exclusive events, discounts and promotions all year round. Venue; Fox & Hounds, South Street, Houston PA6 7EN. Looking for someone local? advertizer.co.uk/clients IT Blog with Colin Fyfe of Colcom I was not particularly surprised recently when EE pulled the plug on all the Wanadoo, Freeserve and Orange email accounts that they acquired through business acquisitions over the years. I was quite surprised at the cack-handed way in which they did it though. One of my customers was given no warning before the lights went out on their email. I always recommend a move away from an ISP’s mail platform. It will come as no surprise to some of you that I recommend Gmail as your primary email provider, this advice is also being touted by EE to their own customers so it’s not just me. For those of us that want secure, end to end encrypted email of the type the governments of the world will need to struggle that little harder to monitor, try Tutanota, a free email service. They have an app for mobile too. Email encryption is only ever as robust as the security methods you employ on logging into your mailbox. Most of the main email providers now offer multi factor authentication. This will prompt you for more security information on logon or will detect what device you are using and will challenge a potentially fraudulent user that wants to access your account. Your email address and your account information is valuable and sensitive to fraud. Given how much we depend on our email as a de facto first point of contact with our service providers, and as online fraud has advanced recently, so security is becoming more important every year. Remember that you are carrying the torch for the contacts you have too, as they will be targeted on a successful data breach of your account.
@GryffeAds www.advertizer.co.uk july 2017 23 23 Financial Blog by Carl Melvin, Affluent Financial Planning Ltd Final Salary Pension Transfers – who may benefit? Following on from last month’s financial blog, we revisit pension transfers and specifically why you may consider giving up a guaranteed lifetime income from a final salary scheme. 20 x revalued annual pension is considered “fair value”, but presently we see multiples of between 25 – 40 x revalued annual pension being offered, with the average around 30 x revalued annual pension. This has tempted many to consider a transfer. Retaining the final salary pension is likely to be best for many scheme members, but when might it make sense to consider a transfer? • Unmarried – No widows pension would normally be payable, but you want your family to receive benefits from your pension on your death. • Poor Health – You may not live a long life, but your pension income does not increase to reflect this. The death benefits from a transfer plan are more generous and potentially tax free. • Other sources of income – If you or your partner have other final salary pensions, rental income, earned income or other investment income, the final salary under consideration may be less vital to your retirement security. • Repay debts – releasing a cash sum to repay mortgage or other debts may allow you to retire early, but your retirement income will be less in the long term. Take advice. This information is not financial advice. If you require advice you should consult a professional adviser. The first meeting is normally free and there is no obligation. Carl Melvin is a regulated pension transfer specialist. Call us for a FREE financial review on 01505 59 50 60 or info@affluentfp. co.uk. Alternatively, pop into the Affluent office opposite Amaretto restaurant on Main Street, Bridge of Weir. www.affluentfp.co.uk LOCAL history Want to start a business but not sure where to turn or how to do it? Business Gateway Renfrewshire can give you practical help, advice and support for new and growing businesses in Scotland. Contact us on 0141 530 2406 or on Facebook www.facebook.com/ bgrenfrewshire/, or visit the website at www.yourbusinessgateway.co.uk Visit to DALGARVEN MILL MUSEUM of Ayrshire Country Life and Costume A group of Renfrewshire Local History Forum members visited Dalgarven Mill Museum on Saturday, 20th May, 2017. We gathered in the coffee room, where we met Mr Rob Ferguson, who took us on a conducted tour of the museum. The Ferguson family have owned the mill since 1922 when it was still a working grain mill. Mr Ferguson and the Charitable Trust he set up have transformed the old mill into what must undoubtedly be among the very best of country life museums in Scotland. The historic mill building has been beautifully restored and the large waterwheel, on a lade fed by the nearby River Garnock, works the machinery in the mill. All the machinery required to run a grain mill, a large collection of farm implements, old kitchen and dairy utensils, trade tools and many more country life artefacts are housed on three floors of the museum. On the ground floor we visited the current exhibition of Early Victorian Costume, 1810-1865, entitled “Corsets and Crinolines”. This excellent display is only a small part of the museum’s extensive collection of costumes. As we explored the upper floors of the museum our group was most impressed by the extensive collection of farm equipment and country life artefacts. Much of the collection has been donated to the museum by local farmers and other residents. A number of displays show typical period dwelling rooms. The sets are so skilfully designed that the characters seem alive and the viewer almost has a sense of being a welcome visitor within the characters’ home. As well as a tour of the museum, our group was privileged to have access to the storeroom which houses the museum’s extensive collection of period costumes, and some other very exciting items which, as yet, are not on display After our tour we retired to Miller’s Kitchen Coffee Room to sample its excellent menu. This was a fitting end to one of the Forum’s most interesting and enjoyable outings. © 2017 Helen Calcluth, Renfrewshire Local History Forum Images with kind permission of R. Ferguson, Dalgarven Mill Museum of Ayrshire Country Life and Costume Further information and images can be found at www.dalgarvenmill.org.uk
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274 July 2017 - Gryffe Advertizer

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