Every year, around this time in my village of Kirkby in Furness, there is what has become a traditional fun event aimed at families, but much loved by all. This year it involves 96 households, placing an unusual article ‘on show’ in their garden, for the curious to wander around, peering into hedges and bushes to spot the object. The results are duly logged on a

When we are creating a financial plan for our clients, we take into account the current state benefits they might receive. When we project into the future there is no guarantee they will still apply, as women born in the 1950’s are unfortunately finding out. However, at the moment there is no reason to think for example anyone retiring in the next 20 years won’t receive