A person appointed to help the executor carry out their duties. Beneficiary: A person or organisation that receives a gift in your will. Bequest: A gift in your will to a person or organisation. There are different types including: - Pecuniary bequest: A fixed sum of money - Residuary bequest: A share of what is left after debts, taxes and other gifts - Specific bequest: A particular item like jewelry or property Codicil: A document that amends an existing will. Executor: The person(s) appointed in your will to carry out your wishes and administer your estate. Guardian: The person(s) named in

1. NickHewer
shares his views
on the importance of
diagnosing pancreatic
cancer early
A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT
JUNE SENIORLIFENEWS.CO.UK
ONLINE which.co.uk
provideadviceonpayingforcare
INSIDE Traveltipsforthosewith
physicalandsensoryneeds P9
WATCH ONLINE Footageof
HamptonCourtFlowerShow
Seniorlife

2. A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT2 SENIORLIFENEWS.CO.UK
S
ome of the biggest numbers
of older people can be found
in developing countries. Clo-
ser to home, recent statistics
show there are now 11 milli-
on people aged 65 or over in
the UK, and 3 million of tho-
se are aged 80 or over, so there is no denying
that overall we are living longer and healt-
hier lives, thanks mainly to the advances in
medicine and healthier diets.
But as we grow older we all face new chal-
lenges that can put up barriers to leading
fulfilling, independent later lives. Age UK
is here for all those who have reached la-
ter life, and also to help make things bet-
ter for future generations. Whether it be ill-
ness, loneliness or poverty which affect pe-
ople, those in later life still have the right
to laugh, love and be needed. It’s important
that they have the opportunity to stay in-
dependent and to continue doing the things
they love.
Long-standing stereotypes about older
people are no longer really relevant as ma-
ny older people enjoy later life feeling fit-
ter, more active and more empowered than
ever before. Retirement is no longer neces-
sarily a barrier to enjoying the best of what
life has to offer. These days, retirement is a
new beginning and some older people are
volunteering, joining social groups, men-
toring, fundraising, home visiting and ma-
king a huge difference at all levels in their
communities, while others are opting to
continue working longer.
For some, however, life is not quite so
rosy and some of the challenges to age-
ing will be explored further in this supple-
ment. Although fewer older people suffer
from poverty than in the past, financial is-
sues remain a huge problem for a signifi-
cant minority. That people have enough
money from state and private resources
to live comfortably and participate fully
in society in later life is essential. It’s al-
so important that older people can access
high quality health and social care. The-
re are 1.2 million people in England aged
65 and over who are providing unpaid ca-
re to a disabled, seriously ill or older relati-
ve or friend. Many of them struggle to co-
pe with the demands of juggling the needs
of the loved ones they care for with their
own needs.
The social care system is massively un-
derfunded due to year on year cuts to bud-
gets, leaving hundreds of thousands of ol-
der people who need support to struggle on
alone. The lucky ones have sufficient funds
to buy in some support, or can rely on the
goodwill of family, neighbours and friends.
But many are effectively abandoned, ma-
king it more likely that they will end up in A
& E because of a health crisis.
Dementia is an increasingly important
health problem affecting later life. It is es-
timated that the number of people living
with dementia will reach one million by
2020, and so there’s an urgent and growing
Thenumberofolderpeopleintheworld isgrowing atanastonishingrate
andisexpectedtoreachover2billionby2050.
READ MORE ON WWW.SENIORLIFENEWS.CO.UK
Will writing
Remember a
charity discuss the
advtantages of leaving
a charitable donation
in your will
P4
A garden for every
retiree
Award winning garden
designerTracy Foster
provides her top tips for
gardening this summer
P12
Brain training
Help to keep your
brain active by playing
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need to support those who have the condi-
tion and their families. Currently around
686,000 people in England are estimated
to have dementia but the help available
in the community and at home is not re-
motely keeping pace. Recent studies ha-
ve found 61 per cent of people diagnosed
with Alzheimer’s disease, vascular de-
mentia and other forms of the condition
say they feel depressed or anxious, largely
because of a lack of support. In addition
only 58 per cent say they are living well
after receiving a diagnosis. Surveys show
that dementia is the illness most fea-
red by people over the age of 55, who are
understandably concerned about losing
their memory and identity, so we need to
improve the position of people with de-
mentia in our society, and fast.
Every older person should be able to li-
ve safely and with dignity in good quali-
ty, warm housing that meets their indivi-
dual needs, free from exploitation or abu-
se. Where people live goes a long way to
determining how healthy, independent
and active they can be.Too many older pe-
ople are living in poor-quality, cold homes
which are hazardous to their health and
are struggling to adapt their homes be-
cause of the hassle and cost.
Shockingly, we are becoming increa-
singly aware that many older people are
being targeted by scammers, with a huge
impact on their health and finances. Ol-
der people are at special risk of certain
types of fraud, such as doorstep scams;
bank and card account takeover; pension
liberation scams; investment fraud and
postal scams. Older people are targeted
because it is assumed they have more mo-
ney in savings, they often live alone and
because they are sometimes seen as being
gullible – which the rest of us might con-
sider to mean they are friendly and kind.
A recent Guardian columnist spoke re-
verentially of our new older generation:
“We have an ageing population of radicals
redefining what is possible as we grow ol-
der. They are passionate, worldly people
who are as politically fiery as ever - the
anti-nuclear activists, the equality and
justice protesters, the union members,
the travellers, the first generation to kick
back against the unspoken requirement
to marry and put up and shut up. They are
good at making friends and interested in
the world. None of that changes just be-
cause they’re older.”
And with that in mind, it’s now
more possible than ever to reconfigu-
re what it really means to be an older
person in 2015. By tackling the challenges
mentioned above, we have the ability to
change life for older people for the
better. We need to campaign and
influence policy makers so that
getting older doesn’t need to be
something to be fearful of. In fact it could
be something to get excited about and
celebrate. Let us embrace senior living.
Please RecycleFollow us MediaplanetUK @MediaplanetUK @MediaplanetUK
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IN THIS ISSUE
Senior life:
looking to
the future
By Age UK

3. REMEMBER A
CHARITY INFOGRAPHICS
alzheimers.org.uk/legacies
Registered charity no. 296645. A company limited by guarantee
and registered in England no. 2115499. Alzheimer’s Society
operates in England, Wales and Northern Ireland.
Will your legacy make a
lasting difference?
Alzheimer’s Society is the UK’s leading dementia charity. We
believe passionately that life doesn’t end when dementia begins.
Once you are sure your loved ones are looked after, a gift in
your Will to Alzheimer’s Society will make a lasting difference to
people affected by dementia.
To find out more or to order our free guide to gifts in Wills
please call 0870 011 0290 to speak to your local legacy
officer, email legacies@alzheimers.org.uk
or visit alzheimers.org.uk/legacies
Of gifts to charities in wills.
This is the equivalent of
nearly 20 Red Nose Days
£2.16
billion a year
2 OUT OF 3
dogs trained by Guide Dogs
are made possible by
gifts in wills
6 OUT OF 10
new lifeboats launched by
RNLI are made
possible by gifts in wills
74%of the UK population
support a charity during
their lifetime, however, only
7.3 per cent of the UK
population went on to leave
a charitable gift in their will
when they died
The good news is,
when surveyed,
17%of the UK population
claimed they have included a
charitable gift in their will.
This is the highest level
to date.
Many charities were founded by a
legacy and many could not
continue to exist without this
vital source of income
One third of
Cancer Research UK’s
life-saving work is funded
by gifts in Wills
£
SOURCE: REMEMBER A CHARITY
Will you leave a gift that’s full of life?
Guide dog Pippa is there for her owner Lynette all
day, every day. She’s given her the confidence to start
enjoying her whole life again without relying on others.
Please leave a gift in your Will to Guide Dogs and
help people with sight loss live every day to the full.
A charity registered in England and Wales (209617) and Scotland (SC038979). 8148 06/15 A15G18001
For a free information pack and DVD, visit
guidedogs.org.uk/life or call 0845 37 27 371
7:00AM
3:27PM 8:44PM 11:00PM
8:07AM 11:31AM

4. A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT4 SENIORLIFENEWS.CO.UK MEDIAPLANET
INSPIRATION
JARGON BUSTER
Administrator:hassimilardutiestoanexecutor,ac-
tingforestateswherethere’snowillorexecutor,orthe
namedexecutorisunableorunwillingtoact.
BeneficiaryApersonororganisationtowhomyoulea-
veagift.
Bequest : Agiftinyourwilltoapersonororganisa-
tion.Therearedifferenttypesofgifts:pecuniarybe-
quest;residuarybequest;specificbequest.Seebelow
forfurtherdetails.
Codicil:Adocumentthatamendsyourwill.
Conditional legacy: Alegacythatisconditional
uponaparticulareventhappening(forinstance,“to
mysonifheshouldbecomeadoctor”).
Demonstrative legacy:Pecuniarylegacypayable
outofaspecificfund.
Estate:Deceased’spossessions,propertyandmoney.
Debtsandgiftsarepaidoutoftheestate.
Executor: Person(s)appointedbyyoutoensurethat
thewishesinyourwillarecarriedout.
Guardian:Namedperson(s)inyourwillwhoisre-
sponsibleforyourchildrenuntiltheybecome18inthe
eventtheyareorphaned.
Grant of probate:Adocumentissuedbythe
courtconfirmingboththevalidityofawillandthe
executor’srighttoadministertheestate.
Inheritance tax (IHT):Amountpaidwhenyoudie
ontheproportionofyourestateoverthetaxthreshold
(whichvarieseverytaxyear).Giftstocharityarefreeof
IHT.Visithmrc.gov.uk/cto/iht.htmtofindthecurrent
inheritancetaxrates
Intestate:Personwhodieswithnowill.Certainre-
lativescanapplyforyourestate.Ifyouhavenone,your
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thefamilytree.
Joint property:Underjointtenancytheproperty
passestothesurvivor(s)followingadeath.
Legacy:Gifttoapersonororganisation.
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ofprobatebyacourttoanadministrator.
Life interest:Grantingaright,oftenunderatrust,to
someonewhichlastsonlyforthelifetimeoftheperson
whobenefitsbyit.
Mirror will: Onecontainingalmostidenticaltermsto
yours.Usuallyusedbyspousesorpartnerswherethe
beneficiariesarelargelythesame.
Noncupative will: Awillmadeorallybefore
witnesses.
Pecuniary bequest: afixedsumofmoney
Probate:Officialproofofawill’svalidity.Ifthevalue
oftheestateismorethan£5,000,probatemayhaveto
beappliedforbytheexecutors,whocanthenadminis-
terthewillanddistributetheestateaccordingtoyour
wishes.
Residue:Remainderofyourestateafterothergifts
aremadeanddebtsarecleared.
Residuary bequest: agiftmadefromtheresidue.
Itcanbeashare(percentage)oftheremainder,orallof
theremainder
Testator: Thepersonwhohasmadeawill.
Trust:Awrittenarrangementwherebyanappointed
trusteeisgivenmoneyorassetstoholdandmanage
forthebenefitofthosedefinedinthedeedorwillthat
createdthetrust.
Trustee:Individualsoranorganisationnamedina
trustdeedtotakeresponsibilityforthetrustassetsand
managethem
Will: Alistofinstructionstellingyourexecutorswhat
todowithyourestatewhenyoudieand,ifrelevant,ap-
pointingguardiansforyourchildren
T
heBritishcan
alwaysberelied
upontoputtheir
handsintheir
pocketsandsup-
portacharity—
evenintheseausteretimes.Lookat
thegenerosityandenthusiasmfor
thelastRedNoseDay,forexample,
whichatthetimeofwritinghad
raisedover£78,000,000.Nowthe
goodnewsisthatmorepeoplethan
everaresayingthattheyareleaving
acharitabledonationintheirWills,
too.That’snotjustimportant.It’svi-
tal.Giftsleftinwillsareworthmore
than£2billiontoUKcharities.
RobCopeisdirectorofRemem-
beraCharity,acoalitionofcharities
setupin2000toencouragelegacy
giving.“Ourlatestbenchmarksur-
veyshowsthat17percentofthepu-
blicclaimtohaveleftadonation
toacharityintheirWills,which
isitshighestleveltodate,”hesays.
“Wealsoknowthatfarfewerpe-
ople,just11percent,havenever
thoughtaboutleavingacharita-
blegiftintheirwills.Bothoftho-
senumbersareencouraging.The
challengenowistomakethemes-
sageevenstrongerandtosaythatif
yourneighbours,friendsandfamily
areleavinggiftsintheirwills,may-
beyoushouldconsiderit,too.”Re-
memberaCharityhighlightsthat
justafourpercentchangeinbeha-
viourwouldgenerateanadditional
£1billionforgoodcausesintheUK
everyyear.
Support
Althoughmakingawillisoneofthe
mostimportantdecisionswewill
evertake,manyofusputoffdoing
so:lastyear,figuresfromRemember
aCharityshowedthatalmostfourin
10over-50sadmittedtonothaving
madeawill.Yetitisquickandeasy
todo;andleavingcharitablegiftsin
willsisInheritancetaxfree.Allyou
needconsideriswhichcharity,or
charities,youwouldmostlike
tosupport.
Question:Aremorepeopleleavinggiftstocharitiesintheirwills?
Answer: Numbers are increasing, although many of us don’t —
yet it’s an easy and important thing to do.
Writingawill?
Remeberacharity!
“Our latest
benchmark
survey shows
that 17 per
cent of the
public claim
to have left a
donation to a
charity in
their wills”
- Rob Cope
PHOTO: THINKSTOCK
Read more at
seniorlifenews.co.uk
Perhapspeoplewhoaren’tincluding
adonationintheirwillsareworried
thattheirfamilieswouldloseoutin
somewayiftheydid.ButCopepoints
outthatthereisroomtodoboth.“Your
donationdoesn’thavetobealarge
amount,”hesays.“Charitiesarethe
backboneofourcommunitiesandthe
publichasaspecialrelationshipwith
them.Sothinkaboutacharitythat
mighthavehelpedyouoryourfamily,
andwhatevenasmallgiftcoulddo.
Whatanamazingwaytosay’thank
you’afteryouhavegone.”
Donationsarethelifebloodofcha-
rities;andsomearesuffering—and
evenfolding—withoutfinancialsup-
port.“Imagineifthosegoodcauses
weren’tthere,”saysCope.“Byleaving
acharitabledonationinyourWill,you
areensuringthatacharitycanconti-
nueitsworkandbenefitthe
nextgeneration.”
By Tony Greenway
SOURCE: REMEMBER A CHARITY

5. The WRVS Benevolent Trust provides grants to help with
making everyday life easier, or at times of crisis, for present or
former WVS, WRVS or Royal Voluntary Service volunteers or
staff. The Trust also gives Youth Bursary awards once a year to
young RVS Volunteers (16-25 years old) who want to do some-
thing amazing to further their education or career prospects.
Legacies are vital to our very survival, a fact that most of our
supporters don’t realise. To raise some much needed aware-
ness, we’ve joined forces with Remember A Charity to raise
awareness of the importance of having a Will, leaving gifts to
charities and promote legacy giving.
Do you want to know more and help?
Get in touch: enquiry@wrvsbt.org.uk or check our website for
more information: www.wrvsbt.org.uk
WRVS Benevolent Trust
a registered charity in England and Wales no. 261931.
Contact the Elderly is a registered charity
in England and Wales (1146149)
and in Scotland (SC039377).
Company Number (07869142)
Registered office: 2 Grosvenor Gardens,
London SW1W 0DH.
Leave the lasting gift
of friendship in your will
“It’s not very nice when you feel lonely, you just go to bed, get up,
go to bed, get up and that’s your life; it’s nothing really.” Joan, 89
For 50 years Contact the Elderly has been offering a lifeline of
friendship to lonely people aged 75 and over through monthly tea
parties. Leave a gift in your will and make a profound difference to
the lives of the oldest and loneliest people. To find out more:
Call Debra Bollan on 0800 716 543
or visit www.contact-the-elderly.org.uk
Sue Ryder provides
incredible care for people with
life-changing conditions
We do whatever we can to be a safety net
for our patients and their loved ones
at the most difficult time of their
lives.
We need to raise £37.7m a year
to keep services running. A gift
in your will can help us transform
the lives of people living with life-
limiting conditions.
Could you help us change lives?
call: 0845 050 1953
email: giftinwill@sueryder.org
visit: www.sueryder.org/giftinwill
Sue Ryder is a charity registered in England and Wales (1052076) and in Scotland (SC039578). Ref. No. 03167 © Sue Ryder. June 2015

6. A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT6 SENIORLIFENEWS.CO.UK MEDIAPLANET 7
Registered charity number 222377 (England and Wales); SC041079 (Scotland) 2015.173
020 7696 6915
legacies@mencap.org.uk
www.mencap.org.uk/legacies
A gift for the future
Mencap values and supports people with a learning disability and
their families and carers to help them achieve what they want in life.
Each week, 200 children are born in the UK with a learning disability.
Mencap provides high quality, flexible services in areas like education,
leisure, employment, housing and personal support to ensure that we
are there to support everyone that needs us throughout their lives.
Learning disability will always exist.
You can transform lives with a single gift to Mencap in your will.
For a free information booklet, please contact the Gifts in Wills
team at Mencap on:
The 4% survival rate for pancreatic
cancer has not changed in 40 years.
We are committed to funding ground-breaking research, awareness
campaigns and providing medical education to improve early diagnosis
and ultimately save lives.
A legacy to Pancreatic Cancer Action will have a real and lasting impact on
the fight against pancreatic cancer.
Call 0303 040 1770 or visit www.panact.org for more information.
© 2015 Pancreatic Cancer Action. Registered Charity No. 1137689
Leaving a legacy
today will save lives
in the future
M
artin is a successful
property developer
who lives with his wi-
fe in Guildford. He has
spent his life working
hard, securing a futu-
re for his wife and 41 year old son, managing
private investment for his company. Martin
was also the Chairman of Brentford Football
Club, a position he was proud to have held for
20 years.
Martin’s diagnosis came after suffering
periods of unexplained indigestion, he was
referred to a consultant who performed an
endoscopy but was told there was nothing
wrong. At the time Martin had no idea what
these symptoms meant or what he was about
to find out, he just knew that something
wasn’t quite right. After his symptoms per-
sisted and still with no answers he exaggera-
ted having pain in his abdomen and was gi-
ven a CT scan. On December 22nd 2012, Mar-
tin was finally provided with an answer: he
had pancreatic cancer and was estimated to
have 3-5 months to live.
When visiting the oncologist for the first
time, Martin was adamant that he wasn’t go-
ing to give in to his prognosis, telling him he
had at least another 5 years of life he wanted
to live. Seeing his determination, Martin’s
oncologist started him on a strong course of
chemotherapy,believingthatdespitethecan-
cer,Martinwasfitandhealthyenoughtodeal
with this treatment. At the end of this cour-
se of treatment Martin describes his sense of
achievement for getting through it despite
the side effects, it worked very well and fol-
lowing a positive CT scan he was able to ha-
ve four months of ‘normal’ life, and even the
opportunity to go on holiday with his wife.
In June/July 2013 Martin had a relapse
in his symptoms and it was found that the
growths had spread to his liver. Not about to
give up, his oncologist prescribed a different
type of therapy that was already available in
the US. Having investigated the clinical tri-
al information for the particular treatment,
Martin wasn’t convinced of the advantages,
but looking back he realises how beneficial it
really was. Over a period of a few months it
was able to reduce the growths on his liver to
such an extent that they were almost non-ex-
istent. Although Martin realises this is not a
cure for his condition, he feels like the treat-
menthasheldhimatamaintenanceleveland
allows him to get on with his life.
Martin says he is now ticking along qui-
te nicely, but what he finds to be most diffi-
cult is the lack of consistency in his energy
levels. He explains how he can have drastic
lossofenergyandthenlikeaswitchhasbeen
turned on, is up and running again. A keen
tennis player, Martin describes being able to
play four sets of tennis on one day, but on an-
otheronlybeingabletoplayone;thereareso-
me days when he finds it hard to play at all.
However he admits that he realises how in-
credibly lucky he is; his oncologist descri-
bing him as being in the “long tail” of the
survival curve.
Looking to the future: learning to
live with ‘Albert’
Martin has a hugely positive and resilient at-
titude towards his cancer and is an inspira-
tion for others going through a similar expe-
rience. Martin describes how he and his fa-
mily refer to the cancer growths as ‘Albert’ to
help manage the taboo of the word ‘cancer’
and battle against the negativity that sur-
rounds the condition. In the beginning he
used to think about what the end would be
like, but not anymore. He no longer feels li-
ke he is different from anyone else, he doesn’t
worry about what is waiting just around the
corner and he is determined to get on with
life and live it as best he can. Still working on
a part time basis, he finds this as a welcome
escape to take him away from his condition,
even for just a day or two a week.
Martin’s advice to anyone about to go th-
roughasimilarsituationistostopandthink,
“Itdoesn’thavetobeasbadasyouthink”,you
need to battle on and not let the cancer chan-
ge or define who you are.
Martin is a positive and strong person with pancreatic cancer whose attitude
towards his condition has kept him battling on for over two years, having been
given just 3-5 months to live at his initial diagnosis.
Theimpactofpancreaticcancer:
everydayisanewchallenge
By Natasha North, Pancreatic Cancer Action
Pores ipiet
quias ellum,
ommoluptat prae.
Ut ut et, omni
beaquis cidisquid
mod et et modi
NEWS
“Martin says he is now ticking
along quite nicely, but what
he finds to be most difficult is
the lack of consistency in his
energy levels.”
COLUMN
NickHewer:
PatronofPancreatic
CancerAction
Lord Sugar’s former
advisor and current
Countdown host Nick
Hewer discusses his
views on pancreatic
cancer and how in your
golden years to consider
our own health carefully.
”I’m aware first hand, through the
lossofafamilymemberandanum-
ber of close friends, of the devas-
tating impact of a pancreatic can-
cer diagnosis, and I know that so
much more needs to be done to im-
prove survival rates for patients”.
“The key to change is getting more
people diagnosed early in time for
surgery, currently there is no test
for pancreatic cancer. Surgery is
theonlychanceforsurvival”.
According to the National Can-
cer Database, 68.5 per cent of pan-
creatic cancers were diagnosed in
those over age 65 years. This raises
the importance of those in their
senior years to take care of them-
selves, “People need to take con-
trol of their own health, if instin-
ctsayssomethingisnotrightthen
follow it up with your Doctor. This
could save your life.”
To find out more
seniorlifenews.com
PHOTO:PANCREATICCANCERACTION

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MY
CY
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generic-ad-100.8-112.pdf 1 16/06/2015 10:20:12
Do you need a break?
Tourismisgettingeasierforseniorsand
peoplewithphysicalandsensoryneeds
D
on’tletageorworriesaboutacces-
sibilitydeteryoufromtaking
leisurebreaks.Manytourist
destinations,attractionsand
accommodationprovidersare
usedtodealingwithseniorsandpeoplewith
accessibilityneeds.
VisitEnglandfiguresshowthat9.8mover-
nighttripsweretakenbyBritonswithanim-
pairmentinEnglandalonein2013and271m
daytripsincludedapartymemberwithanim-
pairment.Domesticovernighttripsbydisabled
travellersandtheircompanionsincreasedby
19percentinthefouryearsto2013andover-55s
took14mdomesticholidaysinEnglandin2013–
26percentmorethanin2006.
“Thekeytoplanningasuccessfultripforpe-
oplewithphysicalandsensoryneedsisinforma-
tion,andweareencouragingtourismbusines-
sestoimprovetheiraccessibilityinformation”
saysRossCalladine,whoisresponsibleforacces-
sibletourismasheadofbusinesssupportat
VisitEngland.
Whenchoosingadestination,considerthese-
venareasofEnglandwhereselectedbusinesses
suchashotels,B&Bs,attractionsandfoodand
drinkoutletsaretakingpartintheAccessforAll
project,aimingtoincreaseaccessibility.
These destinations currently cover Brigh-
ton, Margate, Nottinghamshire, Northum-
berland, Derbyshire, and the cities of Lincoln
and Birmingham. Areas which have already
been involved are Newcastle/Gateshead,
Bath, and Leicestershire.All are home to
businesses which have committed to
increasing accessibility.
Whereveryourdestination,however,lookfor
businesseswithaccessstatementsontheirweb-
sites.Theyofferdetailsaboutthevenue’saccessi-
bility,suchasseatingatreception,hearingloops,
largeprintmenus,orwaystogettodifferentareas
ofthebuilding.“Insomecasesvenueshaveused
newtechnologysuchasvirtualtoursonscreens
andtabletstoprovideinterpretationoflessacces-
sibleareas”saysCalladine.
Lookforaccommodationwhichdisplaysthe
yellowlogooftheNationalAccessibleScheme,
whichincludesover400businesseswithimpro-
vedaccessibility. ConsulttheAccessforAllAward
WinnersBrochuretofindalistoftouristattrac-
tionsandaccommodationthathavewon
theawardforgoingtheextramileto
ensureaccessibility.
ForhelpwithplanningtripsseetheVisitEng-
landandTourismforAllwebsites.Manylocaltou-
ristboardwebsitesalsoallowyoutosearchforbu-
sinesseswithaccessibilityinformation.
Followthesetipstoenjoydaytripsandleisurebreakswithfeweraccessworries
carrysmallbagsofcompost,plantpots,garden
toolsetcaroundthegardenandIalsousethe
walkertohelpmeaccesstheborderswhenlo-
weringmyselftothegroundandgettingback
upagain. Despitethepathwayinmygardenbe-
inguneventhewalkerisalwaysstableandpro-
videsmewiththepeaceofmindandconfidence
Ineed”continuedJayne.
Jayneisatrueinspirationandwearedeligh-
tedtohearabouthercontinuedhorticulturalsuc-
cess. Webelievethatawalkercanopenupawho-
leworldofopportuntiesthatmightotherwisenot
beaccessibleduetoalackofmobilityorconfiden-
ce andJayneisafantasticexampleofthis.
THINKSTOCKPHOTOS
By Geoff Morris
PHOTO: UNISCAN
By Linda Whitney

8. A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT10 SENIORLIFENEWS.CO.UK MEDIAPLANET
NEWS
O
ften the hardest decision to
make when considering wri-
ting a Will is finding a profes-
sional who has the necessa-
ry knowledge, expertise and
who you can trust to carry out the work for you.
The Society of Will Writers was established in
1994 to offer an independent regulatory fram-
ework for Will Writers and Estate Planning Pro-
fessionals. The SWW’s ranks now number 1800
members and it is estimated that our mem-
bers write in excess of 200,000 wills a year.
Our role as a self-regulatory organisation
means that the consumer can have confiden-
ce in using one of our members, the same way
they would a solicitor. SWW members adhe-
re to a strict code of practice, train on an an-
nual basis, and hold professional indemni-
ty insurance as mandatory requirements.
Once you’ve made steps towards using
a regulated professional you need to decide
how you would like to distribute your estate.
Remember that your Will must be a paper do-
cument with a ‘wet’ signature. It must be wit-
nessed and signed properly to be a valid docu-
ment. Thorough and careful thought should
be given to the distribution of your estate.
With evermore complex family situa-
tions it is important to have a clear idea about
how you would like to distribute your perso-
nal effects. It is not always as simple as lea-
ving a gift to a relative. There may be squabb-
les after you have passed and your Will should
be clear as possible to avoid any ambiguity.
Aprofessionalwillhelpyousetthisoutinpaper.
If you work with a professional to have your
Willdraftedtheywillmaketheprocessassimp-
le as possible and it is their job to help you plan
for the future. Will Writers or Estate Planning
Consultants are experts when it comes to suc-
cessionlaw.Thisisafieldinwhichtheyarespe-
cifically trained and continue to update their
technical knowledge. They will help you with
all the possible factors you may need to think
about when considering the distribution of
your estate. This will include the appointment
of guardians, executors and trustees. They will
adviseyouonhowtoeffectivelyprovideforyour
family and they will give advice on how to mi-
tigate your tax liability. A Will writer can help
you set up a trust fund to provide for your child-
ren, grandchildren, make provision for your
pets,ortoleavemoneytoacharityorgoodcause.
As a lay person (someone who is not adept
in Will writing) you are not expected to un-
derstand the changes in legislation and the ef-
fects that they can have on your estate. In the
lastyearalonewehaveseenchangestothelaws
ofintestacy,whichdefinewhereyourestatewill
pass if you were to die without a Will or if a gift
failed because of an invalid clause in your Will.
There have also been changes to the rules go-
verning the provision of care for the elderly or
vulnerable as introduced by the Care Act. Addi-
tionally, 17th of August brings about the intro-
duction to a European regulation (Brussels IV)
governing cross-border succession. This will
have an impact on those that have holiday ho-
mesorpropertyinotherEuropeanjurisdictions.
Generallywedonotwanttothinkaboutour
mortalityandmakingawill.Ifyouhaven’tgota
Willyetthenyoumakeuppartofthe67percentof
theUKadultpopulationwithoutone
Leavinga
legacyand
writinga
will
“With evermore complex
family situations it is important to
have a clear idea about how you
would like to distribute your
personal effects”
What is probate and
when is it required?
By Carmen Cottingham
SWW Trust Corporation
A Grant of Probate is an order from
the High Court of Justice which
provides the legal authority to the
Executors or Administrators to
distribute the estate of a deceased
person.
Generally, Probate (Letters of Adminis-
tration) is required when the deceased
held more than £5,000, held property
solely or as tenants in common, owned
stocks and shares and held certain insu-
rance policies.
A Grant of Probate will also be requi-
red where the deceased benefited from a
trust during their lifetime.
A Grant of Probate is not always requi-
red for example, if the deceased’s assets
were held jointly with someone else. In
these circumstances the assets will pass
over to the other party under the
term ‘survivorship’.
The probate process can be an onerous
one especially for close friends or family
members who are appointed as the Ex-
ecutors. Their duties include the preser-
vation of assets in the estate, payment of
all of the estates liabilities, maintenance
and often sale of the property and finally
distribution of the estate according to the
terms of the Will or the Intestacy Rules.
PHOTO: THINKSTOCK
By Thomas Stansfield, Society of Will Writers

9. Ever since 1753 the British
Museum has told the story of
human cultural achievement, from
the dawn of human history over two
million years ago to the present.
By leaving a donation in your Will
you can help us to continue telling
that story to future generations.
As a charity we rely on the
generosity of people like you.
For more information,
please call 020 7323 8421
or email legacymanager@britishmuseum.org
Let us tell your story
This enamelled gold locket is called the
‘Lyte Jewel’. It was bequeathed to the
British Museum by Baron Ferdinand
Rothschild in 1898 as part of the
Waddesdon Bequest. Set with diamonds,
it contains a miniature portrait of James
VI (of Scotland) and I (of England)
by Nicholas Hilliard. Made in London,
1610–1611.
Legacy_advert.indd 1 23/06/2015 16:24
leave
agift...
and be
remembered.
One man’s legacy has
been keeping children
safe for over 145 years.
Yours can do the same.
Will you help?
For more information about remembering
Action for Children in your Will:
actionforchildren.org.uk/legacies
legacies@actionforchildren.org.uk
0300 123 2112
Registered charity nos. 1097940/SC038092. Company no. 4764232. 14/15 0353
actionforchildrenactnforchildren actionforchildrenUK
actionforchildrenactnforchildren actionforchildrenUK
When Thomas Bowman Stephenson arrived in London
in 1869 he couldn’t believe how many homeless children
there were. He set up the National Children’s Home to
reach out and support children across the UK.
Today we are Action for Children and we work relentlessly
to fix problems early and give every child and young
person the love, support and opportunity they need
to unlock their potential.
Thanks to the generous support of amazing people
just like you, who leave a gift to Action for Children
in their Will, we make children’s lives better – now,
tomorrow and every day.
Despite Rethink Mental Illness’
amazingwork,therearestillover1.5
million people affected by mental
illness such as schizophrenia, bi-
polar and personality disorder in
this country.
ByagreeingtoleaveagifttoRethink
Mental Illness in your will you can
help give us the guaranteed funds
we need to pay for crucial services
today and tomorrow.
It means that any gift, no matter
how large or small, will help to
provide essential care and support
for people affected by mental
illness now and for generations to
come.
The difference
your legacy
will make
Call us now on
020 7840 3032
or visit
www.rethink.org/legacy
Reg. Charity No. 271028

10. Ever since 1753 the British
Museum has told the story of
human cultural achievement, from
the dawn of human history over two
million years ago to the present.
By leaving a donation in your Will
you can help us to continue telling
that story to future generations.
As a charity we rely on the
generosity of people like you.
For more information,
please call 020 7323 8421
or email legacymanager@britishmuseum.org
Let us tell your story
This enamelled gold locket is called the
‘Lyte Jewel’. It was bequeathed to the
British Museum by Baron Ferdinand
Rothschild in 1898 as part of the
Waddesdon Bequest. Set with diamonds,
it contains a miniature portrait of James
VI (of Scotland) and I (of England)
by Nicholas Hilliard. Made in London,
1610–1611.
Legacy_advert.indd 1 23/06/2015 16:24
leave
agift...
and be
remembered.
One man’s legacy has
been keeping children
safe for over 145 years.
Yours can do the same.
Will you help?
For more information about remembering
Action for Children in your Will:
actionforchildren.org.uk/legacies
legacies@actionforchildren.org.uk
0300 123 2112
Registered charity nos. 1097940/SC038092. Company no. 4764232. 14/15 0353
actionforchildrenactnforchildren actionforchildrenUK
actionforchildrenactnforchildren actionforchildrenUK
When Thomas Bowman Stephenson arrived in London
in 1869 he couldn’t believe how many homeless children
there were. He set up the National Children’s Home to
reach out and support children across the UK.
Today we are Action for Children and we work relentlessly
to fix problems early and give every child and young
person the love, support and opportunity they need
to unlock their potential.
Thanks to the generous support of amazing people
just like you, who leave a gift to Action for Children
in their Will, we make children’s lives better – now,
tomorrow and every day.
Despite Rethink Mental Illness’
amazingwork,therearestillover1.5
million people affected by mental
illness such as schizophrenia, bi-
polar and personality disorder in
this country.
ByagreeingtoleaveagifttoRethink
Mental Illness in your will you can
help give us the guaranteed funds
we need to pay for crucial services
today and tomorrow.
It means that any gift, no matter
how large or small, will help to
provide essential care and support
for people affected by mental
illness now and for generations to
come.
The difference
your legacy
will make
Call us now on
020 7840 3032
or visit
www.rethink.org/legacy
Reg. Charity No. 271028

11. A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT12 SENIORLEIFENEWS.CO.UK MEDIAPLANET 13
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The RNLI is the charity that saves lives at sea
Royal National Lifeboat Institution (RNLI), a charity registered in England andWales (209603) and Scotland (SC037736). Registered charity number 20003326 in the Republic of Ireland.
If you would like to know more about helping the RNLI’s courageous crews with a gift in your Will,
please contact the Gifts in Wills Team on 0300 300 0124
IS/06/15
It will be the lifeboat that launches to answer a call for help, the
training that helps our volunteer crews reach a vessel in distress
and the rope that pulls someone out of the water to safety.
It will save lives at sea.
5
NEWS
AboutTracyFoster
Keeping your
garden accessible
Tracy Foster began gardening
when she was just seven years
old – claiming a little section of
her parents’ garden. Since then
she has turned her childhood love into a
highly successful and fulfilling career –
creating some beautiful, memorable and
purposeful gardens.
Sheholdsadegreeinplantbiologyfrom
theUniversityofNewcastleuponTyneand
adiplomaingardendesignfromtheInstitu-
teofGardenDesign. Sheisalsoaregistered
memberoftheSocietyofGardenDesigners
andstillfindstimetogivetalks,runcourses
andworkshopsingardendesignaswellas
actingasamentorfortheSocietyof
GardenDesigners.
Duringhercareershehaswonnumerous
awardsforhergardendesignsincluding
aGoldMedalandPeople’sChoiceAward
forBestSmallGardenattheRHSHamp-
tonCourtPalaceFlowerShowin2014and
theChelseaGoldMedalandPeople’sChoice
MedalattheRHSChelseaFlowerShow.
Andifthisdoesnotkeepherbusyenough,
Tracyalsowritesarticles,hasmadeTVap-
pearancesandspokenasagardenexpert
onlocalradio.ShelivesinLeeds,WestYork-
shireandispartofawonderfulcommunity
gardeninggroupinwhichbothretiredand
workingvolunteersbringawealthofcreati-
vityandpracticalskillstoencourageothers
toenjoygardening.
T
hissummer,award-
winninggardende-
signerTracyFoster
andJustRetirement
Limited,aleadingspe-
cialistinretirement
productsandservi-
ces,willunveilashowgardenatRHS
HamptonCourtPalaceFlowerShow(30
June-5July)thatcelebratesthejoysofre-
tirement.AGardenforEveryRetireewill
depicttheeverydaygardenofanactive,
creativeretiree,demonstratingjusthow
enjoyableretirement,andgardening,
canbe.Here,RHSGoldmedal-winning
Foster,andretirementspecialistsJust
Retirement,sharetheirtoptipsforcrea-
tingagardenwhichreflectsthediffering
needsofretireesintheUKtoday.
Fosterexplains:“Retirementcan
providethetimetodevelopagarden
richinsensoryelementswhichevo-
kepowerfulandpleasurablememories
andexperiences.Asweage,someofour
sensescanbecomelesssharp,butwith
thoughtfulplantingandlandscaping,
agardenistheperfectplaceto
stimulatethem.”
Award-winninggardendesignerTracyFosterand
retirementspecialistJustRetirementLtdteamupto
providetheirtopfivetipsforgardeningthissummer.
Agardenfor
everyretiree
3
Taste:Growingherbsisaneasyundertakingforagardenerofanyexpe-
rience.Theydon’trequireasmuchspaceasavegetablepatchbutaddplen-
tyofflavourtoyourmeals.Ifyouhavemoretimeonyourhandsandare
lookingtostarta‘growyourown’sectionthenwhynotstartwithorega-
no,sage,fennel,thyme,chivesandrosemary.
2Sound: Encouragingnatureintoyourgardenwillprovideanaturalcho-
rusofsoundstoneutraliseurbannoiseifyouarespendingmoretimeat
home.Placingseatingneartowaterfeaturesprovidesabackdropofrelax-
ingtones,andcrunchygravelorcrushedshellmulchprovideaudibletex-
tureunderfoot.
Smell: Scenthasastrongassociationwithmemorysobesuretoinclu-
descentedplantsaroundyourgarden.Scentedclimberslikejasmineand
honeysuckle,orrosesaroundarchesanddoorwaysprovidescentathead
height.Ifyoustrugglewithyourmobility,thenraisedbedsareagoodop-
tionwhileseatedasyoucanworkonthemwhileseated,allowingscented
flowerstobringtheirperfumesclosertoyou.
4Touch: Lamb’seariswoollyandsofttotouch–greatifyouhaveyoung
grandchildrenexploringyourgarden.Andsurfacessuchassmoothpebb-
leswarmedbythesun,coolgranitecopings,carvedwoodorpolishedme-
talcanallbringinterestingtexturesintothegardentoo.
1Sight:Forthosewithpooreyesight,flowers,fencingandfurnitureinthe
coloursofblue,whiteandyellowcanworkbest,whileberries,barkandfo-
liageaddnaturalcolourthroughouttheseasons,andtheuseofevergreens
provideall-year-roundstructuretoyourspace.
Retirement can also provide an opportunity to
develop an accessible garden which can be
enjoyed for many more years to come.
lThinkaboutnewgarden-relatedhobbiesyoumightlike
totakeupinyournewleisuretime,suchasbeekeeping,
willowweavingorkeepingchickens.Gardenscanbe
easilyadaptedtoincorporatespacefornewactivities.
lAdaptedtoolscansaveyouasorebackortiredarms–do
yourresearchtofindoutwhichonessuityoubest.
lGrowingyourownvegetablescansaveyoumoney,in-
creasetheamountofexerciseyoudoandgetmoreheal-
thyfoodintoyourdiet.
lGardeningwiththegrandchildrencanigniteanear-
lypassionforgardeningandcreatetreasuredmemories.
lIfyoustruggletogetoutsideallthetime,thinkabout
placingsomebeautifulfeaturesnearthebackdoorso
thatyoucanseethemallyearround.
COLUMN
It takes three weeks to build a show garden & two weeks to build a small garden at the Hampton Court Palace Flower Show
PHOTO: RHS/ BETHANY CLARKE
PHOTO: TRACY FOSTER PHOTO: TRACY FOSTER PHOTO: TRACY FOSTER

12. A SUPPLEMENT BY MEDIAPLANET DISTRIBUTED WITHIN THE INDEPENDENT14 SENIORLIFENEWS.CO.UK
Risk Warning: The value of your investment can go up or
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Invest
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Thepensionreformsmeanthatthoseapproachingretirementnowhavegreaterflexibilityoverwhat
theycandowiththeirpensionsavings.Itisevenmoreimportanttoconsiderhowmuchmoneyyou
willneedtomaintainthelifestyleyou’dlikeforthefulllengthofyourretirement.You’llalsoneedto
considerincome,taxandinheritance
Pensionsreforms
andplanning
NEWS
Dipping in and out – taking
small cash sums
Youcanleaveyourpensionpotinvested
andtakeoutlumpsumswhenyouneed
them.Thefirst25percentofanywithdra-
walistax-freeandtherestistaxable.Not
allschemesprovidethisoptionandsome
providersallowyouamaximumnumber
ofwithdrawalseachyear.Becausethein-
vestmentsinyourexistingpensionpot
arenotdesignedtoproducearegularre-
tirementincomeandthevalueofthese
investmentscouldfallit’sespeciallyim-
portanttokeepthemunderregularre-
viewtoreducethechancesofrunningout
ofmoney.
Buy an annuity
Alifetimeannuityprovidesyouwithare-
gularretirementincomeforlife–withthe
guaranteethatthemoneywon’trunout
beforeyoudie. Therearedifferenttypesof
annuitiesavailable:
• Basiclifetimeannuitiesofferarangeof
incomeoptionstosuitdifferentperso-
nalcircumstancesandattitudestorisk.
• With investment- linked annuities,
your income will vary depending on
the performance of the funds your
annuity invests in.
• Flexible annuities offer flexibility
over income payments, investment
options and death benefits.
It’s important you choose the type
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sonal circumstances, your life expec-
tancy and your attitude to risk. Shop
around!
You can take up to 25 per cent of your
pension pot as a tax-free lump sum
and use the rest to buy an annuity.
Flexible income drawdown
With a flexible income drawdown
your money is placed in various in-
vestments and you can draw an in-
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scheme can be with your own or an-
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lump sums you take, the income is
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Youcanchoosetotakeupto25percent
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sumattheoutsetandyouthenpayyour
highestrateoftaxonanywithdrawals.
Leave your pension
pot untouched
Ifyoualreadyhaveenoughincometoli-
veon,youmaybeabletodelayusingyour
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mentdate,oryourscheme’snormalreti-
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reliefonpensionsavingsofupto£40,000
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yourpotwillcontinuetogrowuntilyou
needit
Mix your options
Youdon’thavetochooseoneoptionwhen
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yourneeds.Whicheveroptionyouchoose,
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reviewsotheycontinuetomeetyourlong-
termretirementincomeneeds.
To find out more
seniorlifenews.com
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