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WCRAS West Cornwall Removals & Storage Will Travel at Short Notice Removal Removals Cornwall Removals Penzance Emergency numbers number uk gb 999 112 eu RSPCA PC Four Wheel Drive MPV's MPV Estate Cars Hathback Saloons Sports Convertibles Commercial Campers About GMOcars Motability Penzance Cornwall Car Sales Autocare Centre 01736 TR20 TR18 Dealer Insurance New Used Showroom Stock 4x4 7 Seaters Diesels Centre Supermarket Retail Services Vehicle Servicing MOT's Finance Bodywork Alarm System Systems Bank Holidays Valeting Repairs Parts Accessories Garage Accident Work Collection Delivery Aston Martin Alfa Romeo Audi Bentley BMW Chevrolet Chrysler Citroen Daihatsu Daewoo Dodge Ferrari Fiat Ford Honda Hyundai Isuzu Jaguar Jeep Kia Lamborghini Land Rover LandRover Lexus Lotus Maserati Mazda Mercedes Benz Mercedes MG Cars Mini Mitsubishi Morgan Nissan Perodua Peugeot Porsche Proton Renault Rolls-Royce Rolls Royce Rover Saab Seat Skoda Smart Subaru Suzuki Toyota TVR Vauxhall Volkswagen Volvo Welcome to GMOcars.co.uk GMOcars.com Cornwalls no one car Supermarket Super Market we are a family run concern and have been involved with retail car sales since 1975 we pride ourselves in customer care and we are fully committed to supplying all types of quality vehicle to customer past and present, we have over 300 used cars in stock at our Penzance and Heamoor sites our new show room at Long Rock has been open since January 2000 and has proved to be very beneficial to our customers we can now offer a full compliment of services from Sales Vehicle Servicing MOT’S Finance Bodywork and even organize a new alarm system to be fitted for you additionally we have access to over two thousand cars nationwide this is done by our computerized stock data base system unique only to GMO CARS HOW IT WORKS simply phone or e-mail us with your vehicle requirements, and we do the rest our buyers search the comprehensive database to match the criteria you have specified, we arrange the vehicle delivery or post the vehicles picture on this internet site for you to view DONT LIKE WHAT YOU SEE not a problem we then return to the database and find a vehicle YOU DO LIKE you are not committed in any way Please enjoy you visit to this site and if you have any comments or queries please contact us via email gmocars@aol.com or phone on 01736 331011 or 333999 Click here for Car Sales House Home office relocation services domestic commercial storage uk international european Van spain greece italy france portugal TR18 3QX cornish cornwallinternet internet vivian wills penwith newlyn marazion Golowan Mazey Day West Penzance Cornwall European EUs WCRAS Companies Estate Agents Furniture Carpet Deliveries Store Deliveries Penwith Office Overseas Budget Cheap Home Professional Flat Machine Vans Long Distance Removal Firm Road Haulage White Van Man,Quotes, Moving, Service, Cornish, Furniture Cornwall Somerset Dorset Isle Wight Hampshire Wiltshire Avon Gloucestershire Gwent Berkshire West Surrey East Sussex Kent London Hertfordshire Buckinghamshire Oxfordshire Hereford Worcestershire Warwickshire Northamptonshire Yahoo! 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most certainly suggest that this was the site of the Norman Mout Saint Michel Borlase the Cornish historian in his Natural History of Cornwall published in 1758 called attention to the appearance of submerged trees on 10th January 1757 after the sand had been washed away by a violent sea Even now after a severe storm the remains of the trees may sometimes be seen through the clear water between the Mount and Penzance tr17 tr18 tr19 tr20 tr21 housing ordering copies directory title see isles of scilly belfast inverness dundee glasgow edinburgh dumfries newcastle upon tyne carlisle sunderland middlesbrough york preston liverpool chester manchester sheffield stoke on trent lincoin shrewsbury nottingham leicester coventry worcester swansea cardiff bath bristol southampton portsmouth southend canterbury cambridge bedford norwick peterborough derby gatwick shetland blackpool ireland northern fylde nuneaton rugby wales scotland borders central valley fife tayside taunton weston super mare 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THE MEMORIES OF C,PEARCE,RESIDENT OF MARAZION.On the 8th of August 1916, a great event took place at Marazion, *I was born!*.Yes I was born at 1 Sea View Cottages, Oats Road, Marazion, Christened eventually Edward Clarence Pearce, always known as Clary. My reason for mentioning this is it’s now 1992, and from that you can deduce I’m no chicken,work it out, my age?.When I talk to Marazion people, those younger than myself of what we had here thay become amazed and say why dont’t you put it down on paper? because thay say if anything happens to me and it’s not recorded then a lot of History of Marazion will be lost, There are a few here about my age and several much older who probably can remember more.Starting at the bottom of the town, the place which is now a Carn-Park was at one time a Picnic Grounds and Saw-Mills, we had swings, roundabout, mapole, a sweetshop and Tea-rooms, I went to the Methodist Sunday School at the bottom of the town and each year we had our Sunday School Treat headed by Marazion Town Band, we paraded up through the town down around Chymorvah, then the Rookery, the Gew, and then onto the Picnic Grounds where we then dispersed, each child was then given a bottle of Pop (with a glass stopper) and a Saffron Bun the size of a dinner plate, games wre played by young and old, The grown-up’s had a sit down tea in the Tea-rooms at the entrance to the Picnic Grounds, on the left hand side that was the Saw-Mills, The wood was all cut to uniform size and then chopped into kindling wood by a fellow called Garfield Chapple, they were then done up into bundles of equal size and secured by a wire band, these were then sold in the shops for 2d.abundle.You must remember at that time there were 240-pence to the £1-00, not a 100 as it is now.About 150 yards further up was Morland Bungalow / Hattons Nurseries (“not for Babies though”) St.Kllda Cottage as is now was first of all the Coastguard Station, Villa-Marina at one time the home and practice of Dr.S.A.G.Penny The Sailing Pen was at one time our Tennic Club and around it we made a Putting Green all that has now gone.What we know as the Tudor Cafe was at one time John Eade - Builders eventually it was acquired by Mr.Edwards and his son John and made into a Bakery-Bob Glasson was the Baker.Jago’s Garage was at one time owned T.F.Semmens (Betty Barnard’s Father.) and it was there that I bought my first push bike a “Hercules” for th sum of £3-2s-6d.Further up the road on the same side which is now a Cafe was a Grocers Shop managed by S.L.Turner the Clipper Cafe was a Sweet Shop owned by J.N.Williams, as well as the Picnic Grounds.Right on the corner of Beacon Road was N.Laily, Grocer, Jelbarts Warehouse has always been at the top of Beacon Road, On the bank (“Frankie’s car park”) by the derelict cottage, was the Garage for the Marazion bus service it was a double deck bus, but I’m not quite sure of it’s name, it was either Defender or St. Pirin, but i do know the driver was Harry Miners and the conductor William George Hicks, (Gerald Hicks father) in the yard of the Sailing Club was S.L.Tucker carpenter.The Denture Shop (North Street,) was owned by a couple of old ladies who did a lot of Lace - Work, I remember doing an err and for them at one time and was rewarded with a box of chocolates, (“ I think the chocolates were older than what thay were for when I opened them, they were green with mildew.The Marine aquarium (opp, the square) was known as Hammills Ironmonger and Saddler The Chemists Shop was in my early days a Grocers run by Sybill and Norah Mollard, we always called it Adam M?The Post-Master was H.G.Parkin you had to go up three steps for the Post-Office which was on the corner of the Shop now called Cobbie Corner, the rest of the place was residential.The Butcher’s Shop was traded under the name of Trelawney Lid, outside the shop was a steel rail going all the way round on which they hung sides of Beef,sides of Pork,Rabbits and Chicken, that would not be allowed these days owing to the hygiene laws. Philip Calfe had a News-agents shop where Philps the bakers is now.My morther in those days loved reading the Womens Weekly 4d. novels she gave me a shilling one day (12d.) to go to the shop and get one, Mrs.Calfe served me and gave me the change, I had 2d. and what I thought was a bad sixpence, when I went home I hand’nt been in long when there was a knock on the door it was Mr.Calfe his wife had given me a half-sovereign instead of sixpence I had’nt seen one before!.At the bottom of the steel steps by the Town Hall was Arthur Bannett the Plumber, Marazion had it’s own Fire Engine at one time it was housed in the place where the Town Council are now turning it into a Museum, It was a horse drawn vehicle and as far as I can remember it was last used in the fire of Marazion Garage, for it to be used you had to have so many people on each side pumping.At the bottom of the Town Hall steps there was G.Jewell, the mens tailor, where Peggy Clayton lives now it was then James Reynolds Dairy, on the opposite side of the road was U.T.Pearce Grocer’s shop.The Ironmongers Shop (Worden) was where Stephens Estate Agent is now, at the rear of the building was Worden Print Works, I worded there on the Marazion and District Advertiser a local rag, for which you had to pay 1/2d. Although it was only a four page issue it contained quite a lot of local news, everyone looked forward to reading it (Weekly.)Between the Silver Mins, and the Spinning Gallery, (on opp. side .) there was a yard, at the bottom of which W.Bartiett carried on his basket-making business. On the corner of the Spinning Gallery was Treglowns Chemist Shop, between the Chemist shop and the old Police house was John Baker’s fruit store, there we had Banana rooms to ripen them off, for when the Banana’s came in they were green and as hard as cement, you had to be most careful going into the Banana store-rooms for it was stifling hot and you never knew what was in the stems there could be Tarantula spiders or Scorpions.In the recess where the Saltings is now was Mrs,Maidments drapers shop, Opie’s the Chemist was where Neils Bakery now stands, The big house on opposite side called St.Winifreds was at one time a shop owned by Mr. and Mrs.Joe Thomas they had daughter called Maggie who eventually married and the shop became known as Satherthwaites. Part way down Leys Lane was C.Williams carpenter, The alley-way between J.Rodda and Arthur Trembath’s was Frank Edwards, the Cobbler. Going along the same side ia a house called Trefa and you will see on one end it has been newly built-that was another Grocer’s shop.At the top pf Leys Lane Hocking, the men’s Hairdresser, further along where Gwel-An-Mor has been built there was a lane leading to T.F.Hosking Coal and Seed Merchant’s yard and stores to the right of the lane was Jonny Rodda the Monumental Mason’s workshop, At the top pf the road was A.D,Little, the Draper. On the opposite side of the road was W.G.Praed boot and shoe shop, through a passage-way into the house there was a hatch from which cigarettes were sold by a lady called Mildred Bennett, The shop next to the chapel was owned by Mrs.Thomas a Sweet shop and Dairy.The yard at the top of Oates Road there was James Harris, the Basket Maker and in the top corner was George Hill, Tinsmith, he was also the town Postman and Lamplighter, our street-lighting in those days were oil-lamps, so his job was to replenish them with oil, clean the shades, and light them at night, he was called “Gloworm” by the lads, Silverthorn (now Cornor House Restaurant) was at one time a butchers shop, the meat was served by a woman who loved her Gin and Tonic, at times she got so tanked up it was not unusual to hear a clatter of glass as she threw a meat cleaver through the window.On the other side of the road there was Tom Floyd, Grocer, and C.C.Symons,another Grocer, his shop was at the top of Praed’s Lane and on the other corner was W.Pearce, you’ve guessed it a Grocer, Where Carne and Eddy carry on their carpentry business, it was then known as the “Ex Service-mens Club” where Billiards and Cards were played, In the middle of Turnpike Hill on the right hand side where East-cliff hose now stands was Eddy, “the Grocer” run by two elderly ladies one being blind. The lane leading to East-cliff house was the garage for Praed’s bus service.Just past the silver house “now Blue” at the bottom of School Hill, was Truscott the Baker and along the same side was Philp, the Basket-maker W.Honey Builder, and C.Bryant, also a Builder, In the recess opposite the Fire Engine Inn, was W.Miners Grocer, Just past Shop Hill, on the left-hand side was the Drill Hall, where the Territorials did there training and where the Marazion Town Band, had their practise night’s, over the door of the building you’ll see a Plaque depicting three cannons. To the left of the building was T.Phillips, Blacksmith. Returning and going up Shop Hill, was W.Trevaskis, Blacksmith, and J.Jewell, Wheelwright, J.Bennett, was the Milkman, in School Lane, J.J.Beer, had their Butter and Egg, business at New buildng’s Trevenner Square.Going down Gwallon Lane, there is Wheal Rodney Caravan and Chalet Park, before being built it was known as Rodney Burrows, where the mining spoil used to be dumed.The End leek 999removals 999removal 999.com 999.co.uk removals999 removal999 removals112 removal112 112removals 112removal 112.com 112.co.uk 118.com 118.co.uk 118118.com 118118.co.uk aheo.com aheo.co.uk 999,com 999,co,uk 999112 112999 removals cornwall west cornwall removals cornwall penzance tiverton scalloway unst kinbrace tongue brora shin inveran lairg ardgay laxford scourie drumbeg elphin knockan macduff huntly dyce ellon inverurie fraserburgh peterhead portlethen imac itunes iworks banchory turriff ilife shuffle jbl macbook cinema buckie keith elgin lossiemouth forres nairn cromarty tain invergordon dingwal 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One sign of meningococcal septicaemia is a rash that does not fade under pressure (see ’Glass Test’) This rash is caused by blood leaking into the tissues under the skin. It starts as tiny pinpricks anywhere on the body. It can spread quickly to look like fresh bruises This rash is more difficult to see on darker skin Look on the paler areas of the skin and under the eyelids Septicaemic rash Glass Test A rash that does not fade under pressure will still be visible when the side of a clear glass is pressed firmly against the skin If someone is ill or obviously getting worse do not wait for a rash. 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The Vision are: Jake Berriman - vocals Jonathan Hodge - guitar Graham Baumbach - keyboards/b. vocals Malcolm Edwards - bass/b.vocals Steve Arthur - drums/b.vocals The Vision are the ideal band to get your birthday party or wedding going. Up to date (Kaiser Chiefs, The Kooks) just enough to cling on to the last hair of trendiness, and plenty of oldies (Queen, Stevie Wonder) to keep grandpa dancin'! Lots of daft party stuff like Brown Eyed Girl, Lazy Sunday & I'm a Believer!...Available as always for pubs, clubs, weddings and any kind of private function. Contact Graham 01736 759085 or Malcolm 01736 719286 Apologies for the lack of mp3's available. Nobody is allowed to host covers tracks on here at the moment. Until the PRS finally see sense, in the meantime, I've dug up this little gem all the way back from 1996. The track below, Take It In Your Stride, originally featured on a CD `So It Is'. A compilation of local talent which was released in 1996 in aid of the Daniel Gray Trust. Obviously bear in mind this ain't what the band sound like now!!! We've just finished recording our demo with 4 new songs from the set. If you want to hear, please email the band using the contact below, and I can either send you a CD or email you some tracks. Also please visit our myspace site....www.myspace.com we need more friends!!! Click on the button...Forthcoming gigs: Sat 25th Nov: Mounts Bay Inn, Mullion... Thu 7th Dec: Watermans, Falmouth... Fri 22nd Dec: The Red Lion, Newquay... Fri 29th Dec: MI Bar, Falmouth Tel 01736 759085 Contact Graham Web www.lemonrock.com E-mail emma@baumbach1413.fsworld.co.uk Web-mail Send Web-mail (private) message Messaging Post (public) message Feed example TVWCB tvwcb tvwcb.com tvwcb.co.uk rock funk classic rock hint flyer mtv tr17 0bg rfc Ice skating Christmas Trees Xmas shop & bistro, enjoy Santa's Grotto Santa santer pole elf claus diploma iwisdom iapple zune pthp ivision ifree ishop tivo cbs cnn ps3 ps4 ps5 ibbc rosettastone rosetta stone myspaceebayexpress iwork iworks iweb ibed ised isalor icornwall ipenzance ipenwith isex itime icar ivan idig £ ihit icounter hit counter Adobe GoLive Folding Chairs Deck Chairs Dining Chairs Stacking Chairs Garden Seats Footstools Multi-position Chairs Extending Tables Dining Tables Balcony Tables Coffee Tables Benches Armchairs Side Tables Conversation Tables Sunloungers Steamer Chairs Drinks Tables Lazy Susans Cushions Parasols Parasol Bases Garden Decking Made On Earth Garden Furniture Made-On-Earth madeonearth birstall.co.uk birstall made-on-earth.co.uk ivision ilove ieye itit iwcras ibay express itsu Branches Canary Wharf Chelsea Soho Broadgate itic TSUNAMI ioc tsunamis UNESCO warning ghd GHD OJ oj Celebrity i'm two camps shock Contestants Malandra Burrows Myleene Klass Jan Leeming Dean Gaffney David Gest scott hanshall jungle Jason Donovan toby anstis phina oruche Lauren Booth ichat ipost al jazeera ibush iapple nec nc redirect return to sender DNR dnr wow wee robosapien RS media Lego Mindstorms NXT Robonova gizoo dab Hitec Robotics robot servo humanoid hitec fame rtw irobot gui interfaces hci cpu interface science mrs R tr18 2ey 333000 nicksy nslt flywho flywho.com flywho.co.uk istm peabody uefa qvcuk qvcuk.com snooz welcome wargames Stephen Falken countrycoach country coach finest motorcoaches dynomax prevost affinity 700 custom magna 630 intrigue 530 allure 400 inspire 360 tribute 260 designer rv wallpaper wopper ero wow met pantyhose vintage stud Transporters jcb judges judge cigarette bonanza rejected pre transported Britons Sir Tom Jones judgment Directive ba mps celeb wrinkled purchase femail girlfriend besotted Prince Harry etfe foil BOTWC botwc BOWC bowc loofa zig zag HPFOC Home Page Free Of Charge hpfoc rei rei.com rep-outlet bbsrc refugee hiking camping cycling k9 kuts 01209 861537 rosanyos hernis cat dog grooming paws 9dc 9an 01326 378808 kennels galaxie rokr e6 cellphone cellphones Miss Darryl Grieve Backbone Solutions IT Group 4xq backbonesolutions moonpig.com moonpig aes seals aef lse opt x73 mep peaceful opening choi wong eve closed grandad www.wcras.co.uk wcras.co.uk WCRAS West Cornwall Removals and Storage Will Travel at Short Notice Removals Cornwall WCRAS West Cornwall Removals & Storage Will Travel at Short Notice Removals Cornwall op37 Timber Tek Timber-Tek 0776 610 7871 01736 364617 timber.tek TTHQJ tthqj timber.tek@tiscali.co.uk high quality purpose made joinery tr18 4lz steve Four Wheel Drive MPV's MPV Estate Cars Hathback Saloons Sports Convertibles Commercial Campers About GMOcars Motability Penzance Cornwall Car Sales Autocare Centre 01736 TR20 TR18 Dealer Insurance New Used Showroom Stock 4x4 7 Seaters Diesels Centre Supermarket Retail Services Vehicle Servicing MOT's Finance Bodywork Alarm System Systems Bank Holidays Valeting Repairs Parts Accessories Garage Accident Work Collection DeliveryAston Martin Alfa Romeo Audi Bentley BMW Chevrolet Chrysler Citroen Daihatsu Daewoo Dodge Ferrari Fiat Ford Honda Hyundai Isuzu Jaguar Jeep Kia Lamborghini Land Rover LandRover Lexus Lotus Maserati Mazda Mercedes-Benz MercedesMG Cars Mini Mitsubishi Morgan Nissan Perodua Peugeot Porsche Proton Renault Rolls-Royce Rolls Royce Rover Saab Seat Skoda Smart Subaru Suzuki Toyota TVR Vauxhall Volkswagen VolvoWelcome to GMOcars.co.uk Cornwalls no one car supermarket, we are a family run concern and have been involved with retail car sales since 1975, we pride ourselves in customer care and we are fully committed to supplying all types of quality vehicle to customer past and present, we have over 200 used cars in stock at our Penzance and Heamoor sites, our new show room at Long Rock has been open since January 2000 and has proved to be very beneficial to our customers, we can now offer a full compliment of services from Sales, Vehicle Servicing, MOT’S, Finance, Bodywork and even organize a new alarm system to be fitted for you, additionally we have access to over two thousand cars nationwide, this is done by our computerized stock data base system unique only to GMO CARS. HOW IT WORKS:- simply phone or e-mail us with your vehicle requirements, and we do the rest, our buyers search the comprehensive database to match the criteria you have specified, we arrange the vehicle delivery or post the vehicles picture on this internet site for you to view, DONT LIKE WHAT YOU SEE, not a problem we then return to the database and find a vehicle YOU DO LIKE, you are not committed in any way.Please enjoy you visit to this site and if you have any comments or queries please contact us via e-mail gmocars@aol.com or phone on 01736 331011 or 333999 Click here for Car SalesRemovals, Removals UK, Removals EU, WCRAS, Removals Cornwall, Removal Service, Removal Companies, Cornwall Removals, Cheap Removals, Budget Removals, Furniture Deliveries, Removals Overseas, Removals Devon, Removals London, Removals Surrey, Removals Avon, Penwith Removals, Cornish Removals.WCRAS West Cornwall Removals and Storage. Big enough to Cope. Small enough to Care.Estimates,Advice,UK,European,West,East,Towing,Penzance,Family,Business,Recommended,Removals Cornwall.wcras.gmo cars, Removals, Removals Cornwall, Removals Penzance, WCRAS, Home Removals, House Removals, Removal, Cornwall Removals, Shopnick, GMO, Removals WCRAS, Removals WCRAS,Removals WCRAS.com,gmocars,Removals, Removals UK, Removals EU, WCRAS, Removals Cornwall, Removal Service, Removal Companies, Cornwall Removals, Cheap Removals, Budget Removals, Furniture Deliveries, Removals Overseas, Removals Devon, Removals London, Removals Surrey, Removals Avon, Penwith Removals, Cornish Removals.WCRAS West Cornwall Removals and Storage. Big enough to Cope. Small enough to Care.Estimates,Advice,UK,European,West,East,Towing,Penzance,Family,Business,Recommended,Removals Cornwall.wcras.GMO CarsLTD THE SHOWROOM: 01736 331011 AUTOCARE CENTRE: 01736 333999 Usual dealer facilites. Written details on request.OPEN MONDAY TO SATURDAY 9am to 5.30pm BANK HOLIDAYS 10am - 5pm Jelbert Way,Eastern Green,Penzance,Cornwall,TR18 3AS MotabilityThe leading car scheme for disabled people Lotus Elise 111R Touring 2d 2004/54,Yellow £00,000 Financial Services Authority (ref 307479). H.P.I NMR, FSB, FSA Registered. Contact KEVIN or MIKE UPTO 36 MOUTHS PARTS & LABOUR WARRANTY AVAILABLE. 7 DAYS FREE DRIVEWAY INSURANCE AVAILABLE. VISA / MASTERCARD (MAY BE SUBJECT TO SURCHARGE). 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Stairs leading to minstrel gallery bedroom with 5ft bed Service for this Apartment Full gas central heating, electricity bed linen and duvets (non-feather) included. Towels provided (one bath sheet one bath one hand per person)  Weekly linen change for stays of more than one week Parking for one car per property Double glazing  WI-FI Broadband Flat screen TV with inbuilt digital & Teletext video player DVD player CD tape player & radio Gas hob electric fan oven microwave fridge-freezer. Tea/coffee & milk provided. Hair-dryer radio alarm clock iron ironing board Cot highchair No all male female parties under 30 years Non Smokers only. Sorry, no pets Laundry room on first floor with washing machine & tumble dryer Payphone on first floor Quarter Deck Sail Loft Sleeps 4/2 bedrooms twin-bedded Stairs leading to minstrel gallery bedroom with standard double bed Wheelhouse Laura Knight First floor Stanhope Forbes Welcome to Wharf Apartments Self Catering Holiday Accommodation in Penzance West Cornwall In the heart of the busy Cornish market town of Penzance these attractive apartments have been tastefully converted by the owners from the first and second floors of an old wharf house and all have sea views The atmospheric interior of the wharf house retains many of its original features including beams some of which originate from the wood of old sailing ships and exposed granite walls In its day this 19th century building would have had immediate water frontage but is now ideally situated for the town’s many local amenities and for touring West Cornwall Enjoying views across the bay to St Michael’s Mount The Wharf Apartments are close to shops pubs restaurants cinema and art galleries Local sea and fishing trips can be booked nearby as well as daily ferry & helicopter excursions to the Isles of Scilly A good bus and mainline train service operates within a short distance of the property and the newly created Cornish Way cycle route is within a stone’s throw of the building Spectacular sandy beaches small coves coastal paths golf courses surfing scuba diving sailing etc can all be enjoyed within close proximity to Penzance Visit Newlyn and its famous fish market or St Ives where you can lose yourself in a maze of cobbled streets full of art galleries, great retaurants and quirky shops or maybe the quaint fishing village of Mousehole which during the Christmas season hosts an amazing festive lights display take in a play pack a picnic and visit the unique Minack Theatre carved into the cliffs with the mighty Atlantic Ocean as its backdrop and of course no trip to West Cornwall is complete without a visit to Land's End For further information about the apartments or to enquire about making a booking please contact us at The Wharf Apartments Wharf Road Penzance Cornwall TR18 2JY Telephone +44 01736 366888 +44 01736 754643 Facsimile Fax 01736 331129 Email info@wharfapartments.com Lamorna Birch one double with ensuite shower room one twin Tariff tariffs 2007 Per Apartment Per Week prices include VAT Winter and early spring breaks available from October to April 3 night minimum stay Contact us for details A complimentary gift of sparkling wine fruit and chocolates with all weekly Christmas and New Year bookings Booking Enquiry If you would like to enquire about availability, please help us deal with your enquiry by completing the details below You can also download our booking form here Please note that all bookings are subject to our terms and conditions here Arrival Departure Location Map Interactive map and directions to In the heart of the busy Cornish market town How To Get Here If you are not travelling by car, the public transport system offers alternative and convenient ways of getting to Penzance By Rail London Paddington to Penzance First Great Western www.firstgreatwestern.co.uk Motorail is a facility offered by Great Western which allows you to travel on the Night Riveria Sleeper and transport you car to your destination This service operates at present during the summer months only Cross Country Rail to Penzance Virgin Trains www.virgintrains.co.uk West Country based train travel First Great Western www.firstgreatwestern.co.uk By Coach National Express www.nationalexpress.co.uk Both train and coach/bus stations are located within walking distance of The Wharf Apartments By Air Newquay Airport www.newquay-airport.co.uk  Email enquiries@newquay-airport.co.uk The following flights are currently operating to and from Newquay Airport London Stanstead to Newquay - Ryanair www.ryanair.com Tel: 09096 270 5656 London Gatwick /Bristol Cardiff Dublin Leeds Bradford Manchester to Newquay Airsouthwest www.airsouthwest.com Tel: 0870 241 8202 Teeside Durham Manchester to Newquay BMI Baby www.bmibaby.com Tel: 0871 224 0224 Edinburgh to Newquay Flybe www.flybe.com Tel: 0871 700 0535 Cork to Newquay AerArann www.aerarann.com Tel: 8000 587 23 24 Isle to Scilly St Mary's to Newquay Skybus www.isleofscilly-travel.co.uk Tel 0845 710 5555 LAND’S END – CORNWALL’S MOST FAMOUS LANDMARK TEL 0870 4538 0099 www.landsend-landmark.co.uk ST MICHAEL’S MOUNT – MOUNT’S BAY’S JEWEL IN THE SEA ACCESSED FROM CAUSEWAY AT MARAZION DEPENDING ON TIDE. (TIDE & FERRY INFO 01736 710265) MOUNT TEL 01736 710507 www.stmichaelsmount.co.uk last admission 4.45pm Café Restaurant.MINACK THEATRE Open air theatre built in cliffs above Porthcurno with the Atlantic Ocean forming a magical back-drop Productions from last week in May to mid September TEL 01736 810181 www.minack.com TRENGWAINTON GARDEN PENZANCE National Trust owned garden with rare and sub tropical plants TEL 01736 363148 www.nationaltrust.org.uk Tea Rooms TREVARNO ESTATE GARDENS & NATIONAL GARDENING MUSEUM NR HELSTON Beautiful Victorian & Georgian gardens with lakeside walks TEL 01326 574274 Restaurant Tea Conservatory POLDARK MINE HELSTON 18th Century Tin Mine - Guided Tours TEL 01326 573173 www.poldark-mine.co.uk Dogs on leads welcome GEEVOR TIN MINE NR ST JUST One of the last Tin Mines in Cornwall to have recently operated Underground tours available TEL 01736 788662 www.geevor.com Shop Café PARADISE PARK HAYLE Wildlife Sanctuaty featuring animals and colorful birds such as Toucans, Kookaburras, Parrots & Flamingos. Home to Cornwall's National Bird, The Chough Open Daily - Take A30 to Hayle St Ives then follow brown signs TEL 01736 751020 www.paradisepark.org.uk FLAMBARDS EXPERIENCE HELSTON Ideal for wet as well as fine days, a great family experience Something for everyone shows rides victorian village tot's play zone log flume and much more INFOLINE 0845 6018684 www.flambards.co.uk GOONHILLY SATELLITE EARTH STATION NR HELSTON FREEPHONE 0800 679593 www.goonhilly.bt.com NATIONAL MARITIME MUSEUM, FALMOUTH TEL 01326 313388 www.nmmc.co.uk MARINE DISCOVERY PENZANCE Marine life trips departing from Albert Pier - Porpoises Dolphins and Grey Seals may be seen TEL 01736 758130 www.marinediscovery.co.uk HARRY SAFARI PENZANCE Join Harry for an entertaining half day tour discovering spectacular scenery & delving into 4000 years of Cornwall's history.  Tours do not exceed 8 people Book at Penzance Tourist Office on 01736 362207 or ring Harry on O8456 445 940 www.harrysafari.co.uk THE PILCHARD WORKS NEWLYN Unique example of Cornwall's fishing industry TEL 01736 332112 pilchardworks.co.uk PORTHCURNO TELEGRAPH MUSEUM TEL 01736 810966 www.porthcurno.org.uk PENLEE HOUSE ART GALLERY & MUSEUM PENZANCE Houses fine examples of Newlyn Art plus regular exhibitions Good food served in their Orangery Restaurant. Plays performed in grounds during summer months TEL 01736 363625 www.penleehouse.org.uk THE EDEN PROJECT NR ST AUSTELL Trains run from Penzance Station with connecting buses from St Austell www.edenproject.com ST IVES With picturesque fishing harbour, stunning beaches art galleries, narrow cobbled streets and excellent restaurants this is a place not to missed Trains and buses run daily from Penzance A Short History of Penzance & Cornwall Penzance was originally named Pen Sans a name which derived from the old Cornish language wherein ‘Pen’ meant point of land, or headland, and ‘Sans’ meant sacred or holy place. Pen Sans literally translates into modern English as ‘Holy Headland’ and relates to the part of Penzance town now known as the Battery Rocks and Barbican Lane. The religious site here was said to be an ancient Chapel named after St Anthony In 1750 a famous Cornish Historian, Dr William Borlase who wrote a very important book on Penzance says “The ancient Chapel belonging to the town of Penzance may be seen in a fuel cellar near the quay it is small and as I remember had the image of the Virgin Mary in it.” Penzance can boast a proud commercial history marked by the granting of a charter for the harbour in 1512 by King Henry VIII In 1595 Penzance Newlyn and Mousehole were invaded sacked and burned by a Spanish raiding fleet in the aftermath of their ill-fated Armada and only a few Mediaeval and Tudor buildings survived this experience While these invaders were soon dispatched this event marked the last time England was ever invaded by hostile forces By 1614 the damage caused by the Spanish invasion was repaired as Penzance was rebuilt and King James I granted the town a Charter of Incorporation During the English Civil War in the mid-1600s, the town was again plundered but its Charter was confirmed by King Charles II in 1663 In the same year it also became a coinage town reflecting its commercial importance in relation to the great mining era which peaked during the 19th century Life in Penzance and West Cornwall traditionally centered on the basic industries of agriculture fishing and mining and many local families can trace their West Cornwall ancestry back for many hundreds of years As these industries reduced their needs in employment over the years many people emigrated overseas particularly to countries such as Australia South Africa Canada and the USA with a major exodus in the late 1800s when mining for tin and copper declined. From these emigrants come many of today’s visitors to Penzance as they seek the restoration of links with their heritage Today Penzance although a working town is considered to be the ‘Gateway’ to Land’s End Peninsular and a popular tourist destination Amongst the historically important citizens of the town was Sir Humphry Davy 1778-1829 who was born in Penzance and invented the miners safety lamp in 1801 This was one of the most significant contributions to safety at work in gaseous mines West Cornwall has one of the most concentrated collections of ancient monuments in Europe, all within an ancient landscape that has changed very little since the Celtic Iron Age 2,500 years ago. Neolithic-Bronze Age granite-walled tombs and monuments from over 5,000 years ago stand isolated on the inspiring moorland There are legends that the Phoenicians, traders and explorers from the coastal area of Syria reached St Michael's Mount and used the area as a centre for trade While direct evidence supporting these stories is scarce it is likely that early Mediterranean peoples landed and traded with the Cornish and it is known that the ancient Romans traded with Cornwall particularly for copper and tin using the harbour of St Michael’s Mount Cornwall is a Celtic region with a background similar to the Welsh Scots and Irish and also the Breton in north western France A fiercely independent people, the Cornish value their heritage and actively seek to preserve all that is best of it Through its Celtic roots Cornwall had its own language similar to Welsh and Gaelic but quite distinct from the Saxon languages which became today’s English The Cornish language continued in use long after the end of the Cornish Kingdom through the middle Ages, and was last spoken regularly in the late 1700s The last known person to have spoken the language was called Betty Pentreath who lived in Mousehole in and Around Penzance Just some of sights around the town Get In Touch For further assistance or a colour brochure please contact Testimonials This is a great place to explore Cornwall from We had a great relaxing week POOLE DORSET Weather glorious apartment excellent Hope to be back soon W. MIDS Accommodation A1 Very handy for local amenities ST ALBANS We were so impressed with the facilities Views and atmosphere we will most definitely return READING BERKS Loved this quaint apartment really felt the  romantic atmosphere VANCOUVER CANADA Pure delight staying here HALIFAX W YORKS Very good accommodation nice view to St Michael's Mount DRESDEN GERMANY Thank you Penny and Kevin, this apartment was perfect for us everything has been so convenient CALIFORNIA Perfect MANCHESTER We enjoyed our stay so much that we brought the visitor's book back home with us BAYSWATER LONDON Excellent accommodation spotless and every need catered for Staff very helpful - will look forward to a return visit COVENTRY Super accommodation, had everything we needed great location FUERTEVENTURA CANARIES Very comfortable flat  Home from home BUENOS AIRES All the commodities, most enjoyable  All contributed to a lovely stay MONTEVIDEO URUGUAY Enjoyed our stay lovely and well equipped apartment It held what was promised on the Internet site LIPPSTADT GERMANY Wonderful stay convenient to all Sure to recommend to others from Canada ONTARIO CANADA Special Offers and Late Availability Enjoy a short winter break at The Wharf Apartments (minimum 3 night stay) Book 3 nights get 4th free Please note that this offer applies to 24 Feb - 31 March For further information about the apartments or to enquire about making a booking please contact us at AAA ACCOMMODATION AAA Apartment cornwall ACCOMMODATION cornwall holiday ACCOMMODATION cornwall holidays cornwall holiday cornwall holiday cottages touring camping holiday parks hotels bed and breakfast accommodation Tourist Board self-catering properties Luxury Log Cabin eye-catching holiday ACCOMMODATION penzance holiday ACCOMMODATION cornwall chycor area camp sites attractions bungalows bungalow Cabaret Acorn Arts Centre intocornwall pznow cornwalltoday netpz TWAPC twapc awcsw AWCSW twapc twapc.com twapc.co.uk awcsw.com awcsw.co.uk abcsw abcsw.com abcsw.co.uk tregurtha downs farm livery stables stud diamonds pride kennels cattery marazion cornwall Livery stables and stud cattery and kennels www.tregurtha.co.uk SHB GRADED IRISH SPORT HORSE STALLION Tregurtha Downs Farm is a long running family business set in the beautiful Cornish countryside 40 years of equestrian experience has built Tregurtha Downs into one of the biggest and most successful yards in the West Country We pride ourselves in offering a professional and honest service to all our customers past, present & future. Our experienced caring staff will care for your horse or pony as you would at home Tregurtha Downs is a fun sociable yard with a friendly atmosphere suiting all ages and abilities, lovely riding through bridleways and quiet country lanes also just 10 minutes hack to the scenic Marazion beach which spans four miles long Viewing by appointment or call for a friendly chat about your personal requirements open 7 days a week 01736 711422 TREGURTHA DOWNS POLICY IS TO SELL GENUINE, SOUND, QUALITY HORSES AND PONIES TO SUIT RIDERS OF ALL AGES AND ABILITIES. HORSES & PONIES ARE ALL OPEN TO VETERINARY INSPECTION AND HAVE A PASSPORT HORSES MAY BE VIEWED AND TRIED BY APPOINTMENT NO PUSHY SALES PITCH TRY WITH NO COMMITMENT, EXCELLENT TRIAL FACILITIES TREGURTHA DOWNS ARE ALWAYS LOOKING FOR GENUINE HORSES AND PONIES PART EXCHANGE SOMETIMES WELCOME FOR THE RIGHT HORSE OR PONYwest cornwall removals and storage www.westcornwallremovals.co.uk westcornwallremovals.co.uk www.westcornwallremovals.com westcornwallremovals west cornwall removals storage haulage van man penzance local uk european moving house containerised storgage towing plant vehicle recovery READY IMMEDIATELY! 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For a fast, efficient commercial mortgage you can call us on TEL: 01736 757123 A professional commercial mortgage service. With an independent view for your mortgage or re-mortgage, investments, business purchases, insurances & tax- efficient requirements. cornwall, tax, finance, financial advice, south west, truro, hayle, mortgages, mortgages in cornwall, financial advice, remortgage Debt Free Day are all about saving money in every area of your life. Globe House, 56 Commercial Rd, Hayle, Cornwall. TR27 4DH TEL: 01736 757123 FAX: 01736 755966   PAUL MATHEWS FRC Paul Mathews NetSmartz Kids teaching children what to watch out for online with fun interactive games and activities netiquette netsmartz netsmarts internet security safe sites safe sites only safe internet internet filter internet filtering internet control parental control child safety online safety blocking software web filters web filtering content filtering internet security filtering software KidSafe browser kid site webwatchers children kids child internet resources internet lessons internet education educational tools clicky nettie webster child safety filters internet safety resources safety tips safety rules safety organizations safety websites internet safety games educational games video games internet advice internet safety guidlines internet safety guide safe surfing surfing tips protecting kids online online safety child internet safety online safety lessons online programs teen safety cybercrush internet 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R P Mathews CeMAP Independent Financial Management Service (Europe) Ltd. is registered in England and Wales at Brazemoor Farm, Lanreath, Looe, Cornwall PL13 2PG. Registered in England No. 5510496 Authorised and regulated by the Financial Services Authority Globe House 56 Commercial Road Hayle Cornwall TR27 4DH TEL: 01736 757123 FAX: 01736 755966 Email: office@ifms.net Life Assurance Mortgages Inheritance Tax Capital Raising General Insurance Unit Trusts Long Term Care Fees Business Plans Health Insurance ISA's Protecting Against Remarriage Banking Plans Commercial Insurance With Profit Bonds Succession Planning Interim Management Pensions Advisory Services Company Pension Schemes Accountancy Services Insurance Services Financial Services Legal Services Corporate Services General Life Assurance Health Insurance Commercial Insurance Insurance Buildings Insurance Term Assurance Medical Insurance Professional Indemnity Contents Insurance Mortgage Protection PHI Cyber Liability Accident Sickness Unemployment Critical Illness Income Protection Public Liability Wedding Insurance Mortgage Services Investment Services Mortgage Sourcing Investment Trusts Mortgage Protection Unit Trusts Accident, Sickness, Unemployment ISA's Home Insurance Investment Bonds Building Insurance Youngster Bonds Offshore Investments Pensions Company Pension Schemes Savings Plan OEICS Inheritance Tax Long Term Care Protecting Against Remarriage Succession Planning Capital Raising Business Plans Banking Plans Interim Management Advisory Services Accountancy Services ABI Association of British Insurers, trade body through which insurance companies can air views on matters of common concern Accrual Rate The rate at which your pension benefits build up as pensionable service is completed in a Final Salary Scheme. Actuary Someone qualified to consider financial issues, particularly ones involving probabilities such as life expectancy AER (Annual Equivalent Rate) The interest paid from current, deposit or savings accounts AIFA Association of Independent Financial Advisers, industry trade body for financial advisers who are not tied agents AITC Association of Investment Trust Companies, the industry trade body of investment trust companies. Analyst Person who studies a particular market or industry sector and gives a generic opinion as to the future value of a companies shares. Annual volatility A measure used to assess the risk of a portfolio Annuity This is the contract you purchase from an insurance company using a lump sum of money (e.g. the proceeds of your pension fund) to guarantee you an annual income for a period of time (e.g. for ten years) APR (Annual Percentage Rate) The percentage you are charged over a year on the outstanding balance when you borrow money or make a purchase on credit. Assets Anything of value can be referred to as an asset, such as your home, jewellery or antiques. Within investments, assets are another word for investments in a unit trust portfolio AUTIF The Association of Unit Trusts and Investment Funds, the industry trade body of unit trust and investment trust management companies. AVCs (Annual Voluntary Contributions) Extra payments you can make in addition to your main occupational pension scheme contributions to boost your retirement benefits AVCs can be paid either to your employer's scheme or to a separate arrangement. See also FSAVCs Base rate The interest set by the Bank of England on which other banks base their rates. Basic Rate Tax The income tax paid on taxable income above a certain figure, currently 22%. Basic State Pension The single person's flat rate State pension paid when you reach state pension age (60 for women, 65 for men, although set to increase to 65 for women by 2020) if you have paid sufficient National Insurance contributions during your working life Bid-offer spread The difference between the prices at which you buy units and sell them back Bid price The price at which you sell units in a unit trust back to the investment manager Bonus An extra payment that with-profits policyholders may have added to their contract depending on the profits the company makes in any one year, or over a period of years Capital A lump sum of money. Capital Gains Tax The tax payable on profit made on the sale of assets or property other than your home Capital growth An increase in the value of shares or other assets in a fund Capital and Interest Mortgage A mortgage product where the payment you make each month covers the capital and interest on your loan Carry Back Facility for members of personal pension schemes to have their contribution, or part of it, treated as being paid in the preceding tax year Carry Forward The facility for members of personal pension schemes to carry forward any unused tax relief from any of the six years prior to the year in which the contribution was to be paid. Carry forward of unused relief was abolished in April 2001 Cat Standards Stands for (reasonable) Charges, (easy) Access and (fair) Terms and is a mark awarded by the Government to mortgages which meet these standards. Commission The means by which financial advisers or salespeople are paid by an insurance company for placing business with them Contracting in/out The process by which you can elect to stay in or opt out of the State Second Pension Corporate bond A form of investment offered by a corporation with the purpose of raising capital, in which the lump sum is repaid with interest at maturity. Corporate bonds can be bought and sold on the stock market. Corporation tax Applies only to limited liability companies and is chargeable on the company's profits Critical illness insurance Pays a lump sum if you are found to suffer from one of a range of designated illnesses (normally including cancer, heart attack, and stroke among others). When a condition requires you to stop working for some time, worries are eased So, normal practice is to have enough insurance to cover the mortgage, plus provide a year or two's income if your savings or other insurance will not provide. The policy usually pays out after surviving 28 days after diagnosis Death after Retirement Benefits The pension and lump sum paid to the deceased member's spouse and/or other dependants where death occurs after retirement or after the member's normal retirement date if s/he is retiring late Death in Service Benefits The pension and lump sum paid to the deceased member's spouse and/or other dependants where death occurs while still working for his/her employer before his/her normal retirement date Debit card Operates like a credit card except that the normal amount is deducted directly from your bank account so that no debt is accrued Deed of Covenant An agreement in a deed to transfer income from one person to another in a tax efficient way Defined Benefit Scheme Also known as a Final Salary Scheme. This is the traditional form of company or occupational pension where your pension is calculated as a proportion of your salary in the last few years of work - with the proportion depending upon how many years you have been in your company scheme Defined Contribution Scheme Also known as a Money Purchase Scheme. A scheme where the amount of a member's retirement benefits depends on the contributions paid into the scheme in respect of the member. The rate of the contributions is decided by the employer Depolarisation depolarization The new depolarisation rules are aimed at increasing customer choice and making it easier for people to understand the services and scope of advice available to them, along with the likely costs of that advice. Now, financial advisers can offer advice across the whole market (IFAs) from a limited number of providers (often referred to as multi-tie)from a single provider (often referred to as singel-tie) Distribution Payments made to investors of income generated by an investment fund Dividend The distribution to shareholders of a company's profits in proportion to the number of shares held EMU (European Monetary Union) The process by which the national currencies of the European Union are being replaced by the Euro Endowment Policy A life insurance and savings policy which pays a specified amount of money at the end of an agreed term or on the death of the life assured. Often linked to a mortgage. The most common form of mortgage-linked endowments does not guarantee to return the mortgage amount on maturity Equities The ordinary shares of a company ERM (Exchange Rate Mechanism) An agreement by which most EU countries maintain the exchange rates between their currencies within certain limits EURO The currency adopted by some European countries in place of their national currencies Final Salary Scheme Also known as Defined Benefit Scheme. This is the traditional form of company or occupational pension where your pension at retirement is calculated as a proportion of your salary in the last few years of work, with the proportion depending upon how many years you have been in your company scheme Fiscal Policy Influencing an economy through taxation Fixed Rate Mortgage A mortgage product where your monthly payments do not change over a certain agreed period Your home may be repossessed if you do not keep up repayments on your mortgage If we arrange mortgages we can be paid by commission or a fee. If this is the case it can be found on our How We Are Paid page Flexible Mortgage A mortgage product where you can vary the amount you pay each month, reduce the term by making extra or increased payments and take breaks from your monthly payments Your home may be repossessed if you do not keep up repayments on your mortgage If we arrange mortgages we can be paid by commission or a fee. If this is the case it can be found on our How We Are Paid page Flexible Pension Plan A pension product where you can vary the amount you pay each month and take breaks from your monthly payments FOOTSIE (FTSE 100) The popular name for the Financial Times Stock Exchange 100, the main UK share index which represents the prices of the top 100 shares in public limited companies FSA The Financial Services Authority, the main regulatory body of the financial services industry FSAVCs (Free Standing Additional Voluntary Contributions) Extra payments you can make into an individual plan, which runs alongside your company pension scheme, to top up your pension fund. The plan is independent of your employer's main pension scheme Fund General term for an investment vehicle which pools the money of investors and invests it according to a defined set of investment objectives Fund Manager A professional who takes decisions on what to buy and sell on behalf of a fund's investors Fundamentals The underlying economic factors such as industry output, wages, cost of materials and fluctuations in currency which affect a market, country or sector FURBS (Funded Unapproved Retirement Benefits Schemes) This is an occupational pension scheme that is not designed to be approved. This type of scheme saves up assets to pay members' benefits, unlike an unfunded scheme. Most FURBS are top-up pension schemes Futures A contract to buy or sell a fixed amount of currencies, shares or commodities at a fixed rate in the future at a fixed price Gilt (Gilt Edged Security) A fixed-interest bond or security issued by the British Government GPP (Group Personal Pension) An arrangement made for employees of a particular employer to participate in a personal pension scheme on a group basis Hedging A strategy designed to offset investment risk IDD (Initial Disclosure Document) This will explain the type of service the adviser is allowed to give and the range of products on offer. This will enable consumers to decide whether the services offered are appropriate to them IFA (Independent Financial Adviser ) A professional financial expert who must by law give impartial "best advice" on financial companies, markets and products. IFAs are a type of financial advisers who are able to select from all the products available in the marketplace IFAs are bound to the Financial Services Authority rules, which oblige them to provide advice most suited to your personal requirements In addition, when making recommendations they have to provide written reasons why they think that it is right for you - again to make sure that you are fully informed before committing yourself to anything. An advisor is not independent if they do not offer a fee only option IMRO Investment Management Regulatory Organisation, the body that regulates the management of unit trusts. Now taken over by the FSA Income Drawdown Facility by which you can draw an income from your pension fund while keeping the rest fully invested until the age of 75 at the latest Income Tax Tax payable if you have income above the minimum level taxable in the UK Index The means of measuring movement of statistics over a period of time used as a benchmark by unit trust managers Index-linked Payments protected against the effects of inflation by increasing in line with the changes in the index of retail prices Inflation The amount in percentage terms by which prices rise or fall year on year Inheritance Tax Tax payable after you die on the value of your assets in excess of a certain threshold value although gifts between husband and wife are exempt. It is also chargeable in certain circumstances while you are still alive. The inheritance tax threshold is £285,000 from April 6 2006/2007 and will be raised to £300,000 next year and £312,000 in the following year Initial Charge A charge levied by your investment manager to cover administration and sales commission when you invest in a fund Interest-only Mortgage A mortgage product where you make a monthly interest payment and rely on the a savings plan or other monies to pay off the capital at the end of the mortgage term Your home may be repossessed if you do not keep up repayments on your mortgage If we arrange mortgages we can be paid by commission or a fee. If this is the case it can be found on our How We Are Paid page Investment Trust A company, quoted on the Stock Exchange which invests in other companies' shares ISA (Individual Savings Account) Tax-efficient savings plans which can hold cash or investments, or a combination of the two, which were introduced in 1999 to replace TESSAs and PEPs Joint life Joint life plans cover two (or more) people, usually a husband and wife. Benefits can be paid following the first death, or following the death of both Keyman insurance This provides cover, in the short term, against the loss of profits a company is likely to suffer following the death of a key employee Key Facts Document Advisers must now provide customers with two ‘keyfacts’ documents, explaining their status, the services they offer and a menu of their charges. This will enable consumers to properly understand the value and cost of the adviser’s proposition, and to shop around for the best type of advice for them. The menu applies solely to investment business. Mortgage and General Insurance advisers do not use Menus Liability A debt, or amount of money, owed to others Listed company A company whose shares are quoted on a recognised stock market Managed exit The point at which management and other investors enjoy a return on their investment, by selling the business either on the stock market, to a competitor, or to another institution such as a VCT. A Managed exit will be initiated according to a careful strategic plan which is often compiled with professional advice Management Accounts Accounts which are prepared for use when managing the business Market Capitalisation The value of a company measured by the total stock market price of its shares, calculated by multiplying the number of shares by the current market price of a share Micropal Star Ratings Micropal is an independent Mutual Fund analyst which monitors all the UK's unit trust and OEICs and awards stars on a scale of 0-5, with the highest scores being awarded to the best performing funds Monetary Policy Influencing an economy through control of the money supply Money Purchase Scheme Also known as Defined Contribution Scheme. A scheme where the amount of a member's retirement benefits depends on the contributions paid into the scheme in respect of the member. The rate of the contributions is decided by the employer Multi-tie adviser The multi-tied adviser will offer a choice of products from a limited range of companies they have selected. These advisers must also disclose their association with the providers they work with Mutual company A company which has no shareholders but is owned instead by its with-profits policyholders Mutual Fund An open-ended fund operated by an investment company which raises money from shareholders and invests in a group of assets in accordance with a stated set of objectives. Shares are issued and redeemed on demand NASDAQ Index of the leading technology stocks in the USA National Insurance Payments made out of earnings by employees, employers and the self-employed to the Government that entitle you to a state pension and other benefits National Insurance Rebate The amount by which a persons National Insurance Contributions can be redirected into an Appropriate Personal Pension if contracted out of the State Second Pension (S2P) Negative Equity This is when the market value of your house is less than the amount outstanding on your mortgage Net Yield The return on an investment after tax has been deducted Occupational Pension Scheme A legal contract set up by an employer to provide pensions and/or other benefits for one or more employees on retirement, death or leaving pensionable service OEIC (Open Ended Investment Company) Managed funds which hold a portfolio of investments which you can buy into. They issue shares instead of units and normally quote a single price Offer Price The price at which you buy units from a unit trust manager Offshore Funds Funds based outside the UK OMO (Open Market Option) Your right at retirement to buy an annuity from a provider other than the one who has administered your pension fund OPAS The Occupational Pensions Advisory Service. This organisation is now called TPAS, which stands for The Pensions Advisory Service, a voluntary organisation which advises on problems with any type of pension scheme other than state schemes OPRA The Occupational Pensions Regulatory Authority. In April 2005 OPRA were taken over by The Pensions Regulator. A body with wide ranging powers to regulate work based pension schemes in the UK Option In investment terms, a contract giving the right to buy or sell commodities, currencies or shares at a fixed date in the future at a fixed price PAYE (Pay As You Earn) Where income tax and National Insurance contributions are collected from your salary, before it is paid to you, by your employer and passed to the Inland Revenue Pension Forecast A service provided by the Department of Work and Pensions which tells you what your state pension is worth Pensions Ombudsman An independent arbitrator for pension disputes with statutory power to enforce his or her decisions PEP (Personal Equity Plan) Tax-efficient savings plans replaced by ISAs in 1999. You can no longer invest in a new PEP but you can still transfer your existing PEP into an ISA Personal Pension Scheme A pension scheme for those who are self-employed, or, if employed, are not members of an occupational scheme and so make their own pension provision Phased Retirement The facility to use small amounts of your pension fund to buy annuities as and when you need income, rather than buying one annuity at retirement with your whole pension fund PHI (Permanent Health Insurance) Insurance that pays a level of income in the event of long term sickness or disability PLC (Public Limited Company) Any company with a share capital of at least a statutory minimum PMI (Private Medical Insurance) Insurance which will pay for the cost of medical treatment in accordance with the policy cover Portfolio A collection of shares owned by an investor Price/Earnings Ratio Calculated by dividing the market price of a company's ordinary shares by its earning-per-share figure as an indicator of the company's performance potential Qualifying (life policy) a type of insurance policy that can have tax benefits Quartile Most UK funds are grouped into sectors and each sector is divided into four quartiles with the best performing funds being in the top quartile Return The amount by which the value of your investment increases Rights Issue New shares sold by a company to raise capital Risk Refers to the fact that the value of your savings and investments can fall as well as rise RPI - Retail Price Index The official measure of inflation calculated by weighting the costs of goods and services to approximate a typical family spending pattern Scrip Issue The issue of new share certificates to existing shareholders to reflect an accumulation of profits on a company's balance sheet Securities The general name for stocks and shares SERPS (State Earnings Related Pension Scheme) A state pension in addition to the basic state pension based on earnings. Replaced by the State Second Pension (S2P) on 6th April 2002 Shares A stake in a company which entitles you to vote at annual meetings and benefit from the company's profits in the form of a dividend Single-tie Adviser These advisers can only sell products of a single provider and must make a full disclosure of their link to the provider. The same advisers will also be allowed to sell another company’s products to fill any gaps in the range of products offered by their employer Small Caps Another name for small companies SOFA SOFA has now merged with the LIA now to become the PFS (The Personal Finance Society) SSAS (Small Self Administered Scheme) Small Self Administered Scheme, an occupational scheme where the members are trustees and are directly responsible for administering the fund and paying out the benefits. Some funds are invested in assets other than insurance premiums Stakeholder pension Low cost pension schemes introduced by the government in 2001 to encourage people to make provision for their financial future. They are aimed at those who may not have been able to afford a personal pension and were not eligible for an occupational or group scheme Stock market The marketplace for the sale and purchase of shares, government bonds and other securities Switching Moving an investment out of one fund and into another Term Assurance A life assurance contract with a fixed term and a sum assured which is paid out only if the life assured dies within the term specified TESSA Tax-exempt special savings accounts replaced by ISAs in 1999. You can no longer invest in a new TESSA but you can transfer your existing TESSA into an ISA Tied Agent Financial advisers who have an agreement with one particular company to recommend its products. They can range from self employed individuals to banks and building societies and can give you advice on your financial circumstances but they cannot survey the whole market for you Total Return The combination of capital growth and reinvested income at the end of any given period Transfer Value The amount of money which is available to be transferred to another pension or investment arrangement UCITS Undertaking for Collective Investments in Transferable Securities. A Ucits fund is theoretically one that is authorised for sale in any of the EU member states. However, many EU countries also have their own requirements which must be fulfilled if a fund is to be offered for sale there Unit Linked Policy An insurance policy in which the benefits depend on the performance of units in a fund invested in shares, bonds and property Unit Trust An investment contract which invests in a variety of different stocks and shares and is divided into units which are issued to its members instead of shares Variable Rate Mortgage A mortgage product where the amount of the monthly payment goes up or down in accordance with variations in the interest rate, based on the Bank of England rate Your home may be repossessed if you do not keep up repayments on your mortgage If we arrange mortgages we can be paid by commission or a fee. If this is the case it can be found on our How We Are Paid page Venture Capital Trusts (VCT's) VCT's were devised in the 1993 budget as a way for new and unquoted companies to obtain money from investors. VCT's are essentially investment trusts. Like other investment trusts their shares are often traded in the stock market. Investors receive tax relief at 40% on the money they put in Any dividends or capital gains will also be free of tax VAT (Value Added Tax) A form of indirect taxation levied on goods and services Volatility The degree by which share prices in a particular market or sector go up or down Whole Life Policy A life insurance policy which pays a specified amount on the death of the life assured Winding Up The legal termination of a pension scheme With Profits Policy A policy which usually has annual bonuses added to the sum insured. On death or maturity a terminal bonus may also be applied to the fund value Working Capital The amount of money tied up in the day to day operations of the business Work-out solutions An informal reorganisation of the business and settlement of its affairs outside of formal insolvency proceedings XD - Ex-Dividend The interval between the announcement and payment of the next dividend or, in the case of a unit trust, the next income distribution Yield The annual dividend or income from an investment Zero Rated Goods or services that are taxable for VAT but with a tax rate of zero westcountryremovals.co.uk westcountryremovals west country removals Welcome to Westcountry Removals marshalls-removals.co.uk marshalls-removals westcornwallstorageanddistribution.co.uk westcornwallstorageanddistribution west cornwall storage and distribution frudles.info frudles.org frudles.net frudles.com frudles..co.uk money my cornwall money my personal finance and investing Marshall's Financial Services Ltd 01736 369333 FSA Register financial Services cornwall financial Services Penzance financial Services cornwall London the vision band cornwall thevision band cornwall citizen 2007 tokyo fas FAS FSA fsa FT.com The Boring Stuff Pockets with MONEY MONEY MONEY Finance RELIES on you Soda drinkers My Personal Finance My Personal Finance My Personal Finance cornwall My Personal Finance Penzance My Personal Finance Hayle My Personal Finance Penwith My Personal Finance London Money Money Money Cornwall Money Money Money Paid Money Matters equity investments Global Investor Bookshop Management of Equity Investments Legal Considerations Initiating the MBO The acquisition MBE MMM RRR manage my money manage my accounts manage my cash manage dosh payroll cashbook etc accounting trusted cnn nnc enews cash-online cashfacts manage management managing tr18 wcr tr27 ifms ifmsc fmsis oasis risk personal effectiveness wcras ilive imoney icash idosh ipost imobile pgp gpg tags itag iview icornwall iprofile iedit imanage icup iglass iclock imood ifarm istrip strip proper job ijob iproper izoo ipet izoom iboom cornwall commercial purchase cornwall business planning cornwall mortgages cornwal remortgages cornwall tax cornwall inheritance planning cornwall inheritance tax planning cornwall investments cornwall pensions cornwall life protections cornwall life protections insurance cornwall business risk assesment's cornwall business risk assessments cornwall vroom vroom ivroom igirl harley.com harleyd.com harley.co.uk harleyd.co.uk harley.info harleyd.net harley.net harleyd.info harley.org harleyd.org iboat iship ipen ikettle kettle jmb schott Cornwall inheritance tax planning cornwall Cornwall inheritance tax planning cornwall my money cornwall cornwallmoneymatters money cornwall cornwall money matters cornwall Objective One Cornwall needs share of housing money Gordon Brown’s announcement of increased spending on affordable housing has left leading Mebyon Kernow members saying What about Cornwall? Prospective parliamentary candidates Conan Jenkin (Truro and St Austell) and Hilda Wasley (Falmouth and Camborne) said Once again the Government’s investment in housing is geared to parts of Britain that do not include Cornwall It must sadly come as no surprise to people in Cornwall that the priority for Labour is the South-East the Midlands and the North Recent reports have shown that the affordable housing crisis in Cornwall is as bad as anywhere in the UK with house prices having totalled outstripped local wages Cornwall needs its own Housing Board to deliver real affordable housing for local people in Cornish communities The Government today announced its spending plans for the next three years through its comprehensive spending review Mr Brown pledged £1 billion to be spent on housing and related infrastructure matters Of this £400 million will be geared to social housing while £400 million will go to regeneration projects in the North of England and the Midlands The remainder will go on subsidising commercial development in the Thames Gateway Ashford Milton Keynes & the South Midlands and the London-Stansted-Cambridge corridor mebyon kernow the party for cornwall MK mk this is money thisismoney he housing market cooled this month after recent rises in interest rates put off potential buyers new figures from Nationwide indicate the budget has left low earners without children worse off. 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This full guide includes template letters to send Water Bills: Can you cut the cost? It's not just stopping the tap dripping that saves on your water bill. Deciding to choose a water meter can save some people hundreds of pounds Find the cheapest Gas & Elec supplier and earn cashback Use a comparison service and in five minutes you can find your cheapest supplier, possibly saving £100s. Plus the scale of MoneySavers consumer power has forced a price war, so the comparison services will pay you cashback to switch too! Cheap Car Insurance: a speedy, powerful cost cutting system It's possible to flay chunks off car insurance costs using this special four step plan. The real powerhouse is step two, which shows how to get quotes from scores of insurers and brokers with virtually no effort Best Bank Accounts: Interest free overdrafts or 6.2% in-credit interest Moving to the best paying bank account can add £100s a year to your pocket; right now banks are fighting for current account business so ditch switch and save Cheap Loans: How to get your lowest possible rate Loan rates at just 5.3% are now possible. This article speedily shows you how to choose the right loan and then compares the cheapest standard flexible insured and low credit scorer personal loans International Calls: Cheapest way to call every country Find the cheapest way to call any country or even how to do it for free. The savings are often huge and can be done without even needing to change your home phone provider A full step-by-step guide multimarine.co.uk maryslim irecord irec real time video record in one touch Food Weight Loss Diet and Weight Loss Tips Weight Loss Resources Atkins and the low carb eating plan smuggling smugglers cornish pirates senior xv of penzance & newlyn rfc Cornwall RFU (the CRFU) is the Constituent Body for Cornish Rugby clubs and Cornish Rugby associated bodies frudles.toucansurf.com frudles.toucansurf aheop ifms.net IFMS Independent Financial Management Service Hayle Cornwall 01736 757123 Email: office@ifms.net ifms cornwall ifms penzance ifms hayle ifms uk ukonlineservices.co.uk jargonBuster jargon Buster The Ultimate Guide to Financial Jargon We believe there shouldn’t be any mystery about the terms used in our business, so here in plain English we have defined some of the jargon you may find confusing This guide is only intended as a brief summary of day to day 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They will discuss with you what you would like in your dream Kitchen Bathroom and look at various design and equipment options to establish a basic design concept The designer will then take this information back to the design studio to create an inspiring design for you Second design consulation The designer will again visit you in the comfort of your home, this time bringing a design proposal with them, at this point, if you wish, you can make alterations to and finalise the design for your new room. Once you have reached a final design we will be able to quote you an exact price for supply and installation If you are happy with your final design and quotation then we will arrange for a technical survey to be carried out Your equipment will now be ordered and a suitable date for your installation arranged Installation will take place with one of our expert installation teams. The designer will be closely involved during the installation process, ensuring that every detail is perfectly to plan Now you have your dream Kitchen / Bathroom backed by an unrivalled aftercare / warranty package If you do not require our complete service we can also offer design only, supply only or install only services or any mix of the three To take the first step towards your new dream Kitchen or bathroom Call us on 01273 674612 or Email: cooper_clinton@yahoo.com Clinton Cooper 81 Wilson Avenue Brighton East Sussex BN2 5PA Home Page Heavily imaged based with the main images being image nos.1 and 2 Both logos need to appear on the home page as well If we could have 5 buttons on the home page Kitchens Bathrooms Commercial (Hotels and Bars/Restaurants) Our Service Enquiry Form Home page text Total Kitchen and Bathroom Group For truly indulgent Kitchens and Bathrooms Our Service Text What Makes us Unique We are a company with a very strong background in interior design who offer an unrivalled all in one design, supply and Installation service on all our Kitchen and Bathroom designs There are several key points that raise us above our competitors We do not employ sales people, only experienced interior designers will be sent to meet you We are not restricted to products from only a few chosen suppliers, we offer products from all UK and European manufacturers as well as, bespoke services The Service Our service is available in London the South South East and South West other areas in the UK can be arranged by special appointment Kent Initial Design consultation An interior designer will visit you in the comfort of your home to discuss your new Kitchen / Bathroom They will discuss with you what you would like in your dream Kitchen / Bathroom and look at various design and equipment options to establish a basic design concept. The designer will then take this information back to the design studio to create an inspiring design for you Second design consultation The designer will again visit you in the comfort of your home, this time bringing a design proposal with them, at this point, if you wish, you can make alterations to and finalise the design for your new room. Once you have reached a final design we will be able to quote you an exact price for supply and installation If you are happy with your final design and quotation then we will arrange for a technical survey to be carried out Your equipment will now be ordered and a suitable date for your installation arranged Installation will take place with one of our expert installation teams. The designer will be closely involved during the installation process, ensuring that every detail is perfectly to plan Now you have your dream Kitchen / Bathroom backed by an unrivalled aftercare / warranty package If you do not require our complete service we can also offer design only, supply only or install only services or any mix of the three To take the first step towards your new dream Kitchen or bathroom Call us on 01273 674612 or Email: cooper_clinton@yahoo.com Clinton Cooper 81 Wilson Avenue Brighton East Sussex BN2 5PA http://www.totalkbgroup.co.uk totalkbgroup totalkbgroup.com www.totalkbgroup.co.uk totalkbgroup totalkbgroup.com totalkbgroup.co.uk tkabg.com tkabg.co.uk tkabg info@totalkbgroup.co.uk consulation