December 14, East algarve magazine

Dec 14 €1 from newsagents

OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO

M A G A Z I N EEastAlgarve©

GardeningChristmas herbs

and spices.

The Best Guide to the Eastern Algarve!

Golf TipFrom Benamor's Keith Ashdown.

CultureExperience

Fado in Tavira.

XocolartePeople

Blevins Franks Financial Management Limited (BFFM) is authorised and regulated by the Financial Conduct Authority in the UK, reference number 179731. Where advice is provided outside the UK, via the Insurance Mediation Directive from Malta, the regulatory system differs in some respects from that of the UK. Blevins Franks Trustees Limited is authorised and regulated by the Malta Financial Services Authority for the administration of trusts and companies. Blevins Franks Tax Limited provides taxation advice; its advisers are fully qualified tax specialists. This promotion has been approved and issued by BFFM.

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289 350 150 [email protected]@[email protected]

...to your December issue. I have to pinch myself when I realise the East Algarve Magazine is now 6 years old. That's right, this is our 72nd issue, and still we're finding new and exciting places to go and see in our very special place on this planet.This month we introduce chocolatier Frank and his wife Elza from Xocolarte in Faro, and their delicious range of chocolates and confectionary. We also visit the Fado exhibition in Tavira which offers a beautiful look into to the history of Fado, followed by a very personal, live performance by some of the best entertainers in Portugal.All this plus Christmas herbs and spices from Mark O'Shaughnessy, another great golf tip from Keith, and a huge amount of our usual essential financial advice.Finally, we'd like to wish you a very happy Christmas and an amazing new year, from us and on behalf of all our advertisers and contibuters.

Welcome...

Editor

PUBLISHER & DESIGNER Richard Bassett

EDITOR Richard Bassett

EDITORIAL CO-ORDINATORS Richard Bassett Snr.

ADVERTISING Call 961 700 200 or email [email protected]

DISTRIBUTION 3,500 copies printed. All advertisers are issued copies for distribution, along with retail outlets.

Cover Pic: Richard Bassett

All rights reserved. Except for normal review purposes, no part of this magazine may be reproduced without the written permission of the publisher. Every care has been taken in the preparation of this magazine, but the contents are only meant as a guide to readers. The proprietors of this magazine are publishers not agents or sub agents of those who advertise therein. The publisher cannot be held liable for any loss suffered as a result of information gained from this publication

Unipessoal Lda

M A G A Z I N EEastAlgarve

Casa das Portas, Rua Dr Augusto Silva Carvalho, 3 8800-324, Tavira Phone n: 00 351 281 321 025 Sobre a Ponte, Rua 5 de Outubro, nos 1 a 3, 8800-327, Tavira Phone n: 00351 281 328772

ww.casadasportas.com

“Casa das Portas” and now “Sobre a Ponte” are in the heart of historic Tavira. Come and experience the gallery of extraordinary images of the area and stunning range of gifts from Portugal and around the world.

"Casa das Portas" and "Sobre a Ponte" are in the heart of historic Tavira. Come and experience the gallery of extraordinary images of the area and stunning range of gifts from Portugal and around the world.Casa das Portas, Rua Dr Antonio Cabreira no 11, 8800 - 344 Tavira, tel +351 281 328 246Sobre a Ponte, Rua 5 de Outobro, nos 1a3, 8800 - 327, Tavira tel +351 281 328 772

Casa das Portas, Rua Dr Augusto Silva Carvalho, 3 8800-324, Tavira Phone n: 00 351 281 321 025 Sobre a Ponte, Rua 5 de Outubro, nos 1 a 3, 8800-327, Tavira Phone n: 00351 281 328772

ww.casadasportas.com

“Casa das Portas” and now “Sobre a Ponte” are in the heart of historic Tavira. Come and experience the gallery of extraordinary images of the area and stunning range of gifts from Portugal and around the world.

4 www.eastalgarvemag.com

5NOTICE BOARD Your messages.

6NEWS Local news.

7WHAT’S ON Things to do this month.

8HEALTH Introducing Supersole insoles.

12PHOTOGRAPHY The third in a series of lessons.

15PEOPLE Meet the owners of Chocoltiers, Xocolarte.

18CULTURE Experience the history of Fado.

20DRINKS Port wine, not just for Christmas.

22PROPERTY Property update.

26PROPERTY Property of the month.

32GARDENING Christmas herbs & spices.

36 FINANCE News from Blevins Franks.

37CURRENCY ADVICE From Premier Fx.

38FINANCE Finance news from Ricardo Chaves.

40BOOKS A pocket full of hopes.

42SPORT The latest from Chris Wright.

44SPORT Pro Tip from Keith Ashdown.

46CLASSIFIEDS Grab a local bargain.

20

40

15

Contents

18

www.eastalgarvemag.com 5

NOTICEBOARD

LIVE MUSIC AT PINK FLAMINGO

BAR TAVIRA Live, Blues, Soul & Rock 'n Roll, plus

ELVIS! Every Thursday from 9.30pm.

Benamor Golf

ConceiçãoEN125To Tavira

To CabanasWE ARE HERE

Pick up your FREE copy of the East Algarve Magazine here!

ENGLISH MOBILE MECHANIC

Call 00351 914 417 580

DON'T MISS...The amazing Christmas village and

Nativity at the Bombeiros in Tavira, it's the biggest EVER!!

GARAGE WANTEDTo rent in TaviraTel 961 700 200

GPS37º04'55.27"7º54'51.46"

BRITISH STYLE AUCTION

FURNITURE • ANTIQUESART • OFFICE • CATERINGTOOLS • GARDEN & SPORTS EQUIPMENT

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Sitio do Besouro,Conceição8005-416 Faro

Tel: 289 832 380Tlm: 914 774 438email: [email protected]

VISIT US, OPEN;TUESDAY TO FRIDAY 09.30-5.30SATURDAY 09.30-12.30.

São BrasA22 J14

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TRACK DAY DRIVERS WANTEDDriver's and mechanics wanted Nissan

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Nominal joining fee and share of expenses is all it will cost!

Call Richard on 961 700 200

Sat 6th Dec 10.00hrs – General auctionSat 10th Jan 10.00hrs – Stock Clearance/General auction – 50% of lots starting at €1Sat 7th Feb – 10.00hrs – General auctionSat 7th Mar – 10.00hrs – General auctionWed 18th Mar – Antiques and Collectables – 7.00pm

Open: Tues - Fri 09.30 to 5.30Sat 10.00 to 4.00Email: [email protected]: Mark – 914 774 438Office – 289 832 380Sítio do Besouro, Conceição, FAROwww.ahalgarve.com


News

We’ve got you covered for all your insurance needs!

Ibex Insurance Services Ltd 2014. Ibex Insurance Services Ltd, 68 Irish Town, Gibraltar. Registered no. 77247.Authorised and regulated by the Financial Services Commission FSC 006 43B

Motor Home Marine Travel Medical Holiday Apartment Business Pet Community

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Get the cover you need at the right price from staff you can actually chat to in a local office.

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Motor

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Travel

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TaviraT: +351 281 325 [email protected]

Rua 1 de Maio 26B r/c8800-360, Tavira

Young karate expert from

Olhão achieves huge victory in

Spain

B eatriz Gregorio and Albino Sousa, from the Casa do Benfica de Olhão, won the

14th trophy Karate Diputacion de Córdoba, in their competition level, last weekend in Spain.The tournament, which took place in Posadas, included the participation of about 500 athletes, representing 33 Spanish clubs (Malaga, Seville, Cordoba, Granada, Jerez, among others) and a Portuguese club (Casa do Benfica de Olhão). In a completely packed pavilion, Beatriz and Albino achieved victory and received huge ovation, as if they were at home.

New solar power plant is “Euromillions” for Alcoutim

T he Mayor of Alcoutim, Osvaldo Gonçalves, admitted to be surprised by the news about the

intention of a private company to build a solar power station.In a statement to the Lusa news agency, he revealed that he was unaware of the plan, but stressed that a project with the dimensions revealed by the newspaper 'Negócios', in terms

of employment opportunities, would be the “Euromillions for Alcoutim”. The newspaper reported that Portuguese Environmental Agency (APA) received an application for the licensing of a 200-megawatt photovoltaic power plant, to be installed in an 800 hectares area, in the parishes of Martinlongo and Vaqueiros, the largest of the country in terms of investment.

Christmas brings a failed Faro shopping centre back to

life

T he municipality of Faro, with the help of the local development agency, Ambifaro, has just

come to an agreement with the Millennium BCP - the bank entity that holds the ownership rights of the old Atrium Shopping Centre - to reopen the space during Christmas.Located in one of the most emblematic streets of downtown Faro (Rua de Santo António), this centre has been empty since 2009. The idea is to open the space to creative projects, workshops, temporary pop-up stores, exhibitions and thematic markets in connection with local entities, associations, public or private companies from the region. This is not a definitive solution for the Atrium (the property is still being sold at the real estate market). It is rather a temporary one with no costs for the municipality.

7www.eastalgarvemag.com

Things to do this month

MARKETSCastro Marim: 2nd

Saturday of the month.Estoi: 2nd Sunday of

the month.Moncarapacho: 1st

Sunday of the month.Monte Gordo: 4th

Saturday of the month.Quelfes: 4th and 5th

Sundays of the month.

São Brás de Alportel: 3rd Sunday of the monthSta Catarina: 4th Sunday of the month.Tavira: 3rd Saturday of the month.Vila Nova de Cacela: 3rd Sunday of the month.Loulé: Every Saturday.

What's on

CHRISTMAS CONCERT 7 & 21 December, 18:00, Tavira Gran-Plaza. A Christmas concert with the Trainee Choir from Tavira's Music Academy.

CHRISTMAS BAZAAR 7 December, 11:00 - 16:00, Museu do Trajo There are gifts galore for lovers of simple, creative and original jewellery, handbags, small works of art, books, calendars and cards, handmade soaps and so on, there’s also the traditional Christmas market run by the Friends of the Museum in São Brás. Proceeds from the lottery go to our underprivileged four-legged friends, the municipal fire department and disadvantaged children.

MAXI ENDURANCE 32H 12 December, 12:00 - 14 December, 17:00 Autódromo Internacional do AlgarveThe 32-hour race could enter the Guinness Book of Records as the longest racing car competition with no breaks. For more information and to buy tickets: [email protected], (+351) 282 405 642 or directly from the AIA shop.Tickets: 5,00 €

CHRISTMAS CONCERT13 December, 20:00 - 14 December, 17:00, Cine-Teatro São Brás.Christmas Concert with "The Algarve Rock Choir" and "Exército de Salvação de São Brás de Alportel".Cine-Teatro São Brás, Avenida da Liberdade 208150-101 São Brás de Alportel. Tel 289 841 959

There are plenty of things to do this December, in and around

the East Algarve

NEW YEARS EVETavira, 22:00 Praça da República. 10 pm - Entertainment with DJ, 11.30 pm - IRIS Band, MIdnight - Pyromusical show, 2 am to 4 am - Entertainment with DJ.

Monte Gordo, 22:30, Posto Turismo. Concerts, DJs, entertainment and fireworks in a tent set up on the western side of Monte Gordo.

Faro, 19:00, Jardim Manuel Bívar. Music with bands and DJs. Programme to be announced.

HIP HOP DANCE CHRISTMAS GALA14 December, 16:30 - 14 December, 19:00Pavilhão Municipal Doutor Eduardo Mansinho.With students from various training centers - dancers aged from 4 to 54 years.Pavilhão Municipal Doutor Eduardo MansinhoAvenida Zeca Afonso s/n, 8800-741 Tavira, Tel 281 320 577THE BRITTLES: BEATLES TRIBUTE27 December, 22:00, Club Farense.The Brittles are four enthusiastic musicians from Ontario, who get a kick out of playing Beatles music.Club Farense, Rua de santo António, nº 30, 8000 FaroCHRISTMAS VILLAGE28 November - 6 January 10:00 - 20:00Praça do Marquês de Pombal, Vila Real de Santo António, The Christmas Village will capture your imagination and will appeal to adults and children with its wide range of entertainment, music shows and live dance in partnership with local groups and associations.Praça do Marquês de Pombal8900 Vila Real de Santo António.


Happy Feet

W e take about 15,000 steps per day and throughout our lives we take millions. Our feet take a huge

amount of punishment, and are consistantly changing, something we are oblivious to. These changes, if left untreated can be the cause of problems in the future, either in the foot or other parts of the lower limbs and/or spine, therefore it is essential for early diagnosis and proper treatment. This is not only for existing conditions, but also to prevent the onset of postural problems by providing effective and efficient use of all the biomechanics of the foot. The insole Super Sole is an innovative solution to these problems, as it can be used either to prevent or to treat existing problems.WHAT IS SUPERSOLE INSOLE?It's an insole composed of the

latest generation polymer. It treats and prevents foot, spine and posture problems. This dynamic insole continually stimulates the correction of imbalances and muscle activity, correcting biomechanical imbalances.WHY CHOOSE THESE INSOLES?Insoles are Individual and personalized, designed by Physiotherapists with a high degree of training in collaboration with the wearer. The time between assessment and delivery takes about 1 hour. The readjustment of traditional insoles takes time and costs money, this proces is much quicker with Supersoles. The insole can be molded as often as necessary until the desired correction is achieved.WHO ARE INSOLES FOR?• People with foot problems (flat foor or hollow foot, among others).

• Postural abnormalities.• Problems Column.• Insufficient circulation.• Diabetics.• People with poor lymphatic drainage of the lower limbs.• Elderly, to combat and prevent biomechanical problems due to loss of muscle mass and strength changes.• Pregnant women, to compensate for the postural and weight changes during pregnancy, which can be a source of discomfort and pain.• Athletes.PRODUCTION PROCESSThe insole is heated so as to be flexible during a period in which it is shaped according to the desired objectives.Visit Fisioclube and start taking care of your feet with dynamic therapeutic insole Super Sole!

Health

HAIR STUDIOThe

HAIR STUDIO ● CREATIVE HAIRLADIES & GENTS

Benamor Golf

Cabanas

ConceiçãoTavira

We are here

CONCEIÇÃO DE TAVIRA, OPEN ALL YEAR ROUND TEL: 916 765 082

Gents Cut 9€, Ladies Cut & Blow Dry 18€.APPOINTMENT NOT ALWAYS NECESSARY

Professional friendly service for both men and women, Cutting, colouring,

perming and re-styling.

SuperSole insoles available in Fisioclube shaped by Dr. Duarte Arrais

9

Licensed by Ordem dos Médicos, ERS, INAC, EASA, ARS, ISQ

24/7/365 Call Out Service Tel. 919 657 860

www.eastalgarvemag.com

MIX N MATCHChoose one treatment from list A and another

from list B for ONLY €25LIST A

Shellac Manicure, Full Body Massage, Anti Ageing

Facial, Shellac Pedicure,

LIST BEyelash Tint, Eyebrow

Shape, File & Poilsh, Lip Wax, Chin Wax, 1/2 leg

wax, Mini FacialSituated down the avenue from

Tavira train station in the square. I look forward to seeing you...

Tel; 919 630 [email protected]

DENTAL CLINICTIAGO ESTRELA GROUP

• DENTISTRY (Teeth Restoration)• ENDODONTICS (Root Canal Treatment)• IMPLANTOLOGY• ORAL SURGERY• ORTHODONTICS (Dental Braces)• PERIODONTICS (Gum Diseases)• PROSTHODONTICS (Crowns and Dentures)• TOOTH WHITENING/ BLEACHING

WE USE THE BEST MATERIALS AND NEWER

TECHNIQUES TO PROVIDE YOU A QUALITY WORK.

Av. Da República, Edif. Milénio, Loja 4A, 8700 301 – Olhão

Praça Alexandre Herculano nº 22 4ºD 8000 160 – Faro

TEL: 289 822 068 / 934 936 [email protected]

FisioclubeFUZETA

› Osteopathy › Physiotherapy› Global Postural

Re-education (RPG)› Nutritional Therapy

› Iris Diagnosis› MicroKenesitherapie

› Neuromuscular Balance› Auricular Therapy

› Neural Therapy › Therapy Taping

› Cupping Therapy› Quantum Therapy

Tel 962 777 701 email [email protected]

www.fisioclube.net

HOLISTIC THERAPY

HARMONYmassage and

aesthetics boutique

DEAR CUSTOMERSVISIT US AND BUY YOUR

CHRISTMAS GIFT FOR YOUR FAMILY

AND FRIENDS AT GREAT PRICES.

MERRY CHRISTMAS TO ALL

It`s HARMONY time

Rua 25 de Abril lote 2 r/c esquerdo,inside the Santiago clinic,

near the court.Tavira, Telm: 914 653 900


Books


Photography

Inside Quiosque o Moinho, Cachopo. The repetition of the shelves and the spread of the objects create a great sense of balance.

PHOTOGRAPHY CLASS


Lesson three; A Question of Balance

I n the last article of this short series about composition we will look at pictorial balance, sometimes known as visual weight. By balance we mean that no single area of the

photograph should draw our attention too much compared to any other area. A successful photograph is one where our eye will want to look around the whole picture. This is because being balanced it will be restful and pleasing on the eye. Psychologists will tell you our brains like the appearance of balance as it is to do with our instinct to stay upright. In other words you do not want you picture to look lop-sided. It gives the subconscious feeling we are falling down. This technique is the photographic equivalent of balancing a seesaw. If you put something on one side of the image, then to balance, put a counterweight on the other. This counterweight does not have to be just one object, but can be several. Within the photograph this sense of balance can be left to right, top to bottom, or even corner to corner. Repetition, reflections and symmetry are easy starting places. Things that repeat (rows of trees, a line of people) or reflections (boats in water, the sun on the sea) are always great subjects. The good news is that balance is not an exact science. It just has to be near enough.Give it a go. Yes this technique will need a little practice to get right, but once mastered it really will make a pleasing difference to your pictures.

Roland Imi LRPS

Boat, Olhão. Reflections are an easy subject to find and always give a

great sense of balance.

Nossa Senhora do Rosário, Olhão. The secret of

symmetrical balance is to choose the best vantage point to take the picture.

PHOTOGRAPHY CLASS

Children, Farol Jetty. Balance here is the

similarity in shape, size and visual direction of

the children.

Photography


Pink amingoFlPink amin oFl the 19th hole

Bar & Brasserie, Tavira

ENJOY THE VIEWS OF THE RIVER GILÃO & JOIN US FOR:

cocktails · champagne · fine winesa full selection of international drinks

LIVE GOLF ON LARGE SCREEN

EVERY THURSDAY NIGHT, LIVE

BLUES, SOUL & ROCK 'N ROLL,

Starts 9.30pm, with Andre,

Richard and a medley of

ELVIS songs from Richie Jnr.

email: [email protected]

tel ange: 963 398 869, rich: 961 700 200

in tavira town, located next to the tavira island ferry, open 5pm-2am Thursday, 3am friday & saturday

pink flamingo bar

ROMAN BRIDGE

VILA GALÉ

BEACH FERRY

MILITARY BRIDGE

OLD MARKET

PINGO DOCE

PINK FLAMINGO

RIVER GILÃO

TAVIRA

JOIN US FOR THE FIREWORKS AND LIVE MUSIC ON NEW YEARS EVE


Xocolarte

People

Meet the owners of this delightful tea room and confectioners in Faro.

T his month we were lucky enough to meet Frank and Elza from Xocolarte. Frank comes from 3 generations of bakers and chocolateers in Antwork, Belgium. At the young age of 12 he worked in a bakery during the day and studied

baking and confectionary in the evenings. After 10 years of studying, his school asked him to become a teacher,

which he did for a while. After teaching he worked in research and development for the confectionary trade, one of the first to use silicone moulds for jelly, and also injection moulds and polycarbonate. With 15 years of knowledge, Frank then took the step of starting his own company. 'Chocolate world' was dedicated to developing moulds and machinery. One of his first

www.eastalgarvemag.com16 www.eastalgarvemag.com

People

machines was made by the Ferrari factory. He then found a factory in Espinho and this is where his love affair with Portugal began. He sold his company and 15 years ago moved to a small Quinta in Luz de Tavira which he named 'Quinta do Xocolatl, with the intention of retiring. His chocolate making was reserved for friends and parties only, however his great work did not go unnoticed. Before he knew it, newspapers, magazines and even TV companies wanted interviews. His retirement was now over as he began making

chocolates again. Frank dreamed of starting a real chocolate shop here, just like you'd find in Belgium, but with the flavours of the Algarve. Xocolarte was born. Chocolate made with local ingredients such as flor de sal, olive oil, figo, medronho, lemons and oranges. His latest concept is chocolates for parties, which contain little sugar, great with Champagne and port wines. These are made with ingredients such as Wasabi, dried tomato and basil, goat's cheese, and anchovies. This concept is very much

on trend with food pairing, popular with top class chefs worldwide.You'll find Xocolarte in the center of Faro. A great place to enjoy a huge range of coffees, hot chocolate and desserts.You're sure to receive a warm welcome from Frank and Elza, at the sweetest shop in town.Contacts: Tel; 927 618 187Facebook; XocolarteEmail; [email protected] or visit them at Rua Dr Candido Guerreiro, 44a, 8000-319, Faro.


People

Culture

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F ado Historia is a very unique showcase of Fado in Tavira, and an excellent way to see and listen to LIVE Fado music. Together with a

short video presentation providing the interesting history of Fado, the experience is truly charming.In collaboration with UNESECO (the United Nations Educational, Scientific and Cultural Organization) who’s moto is “Building peace in the minds of men and women”, the project is the only one to be found in the Algarve.We met the founder, Virgilio Lanca who has taught Fado teachers for many years and who is from Tavira. Together with Miguel Drago who plays the Portuguese guitar and Teresa Viola, vocalist, there are

daily (except Sundays) enchanting performances set in a restored house near to the church of Misericordia on the hill towards to the clock tower in Tavira. Virgilio explained that they opened to the public on the 20th October this year to provide a first class, cultural tourist attraction. All guest artists are international, professional performers, for example Raquel Peteis and Pedro Viola have won acclaimed awards such as “Grand Niote de Fado” in Lisbon.Fado com Historia has exclusively adorned the inside of the building with a mural of a famous performance from the singer Amalia Rodrigues from The Cafe Luso, in Lisbon. Known as the Rainha do Fado ("Queen of Fado"), Rodrigues

helped popularize Fado worldwide and travelled internationally between the 1950s and 1970s. In just half an hour you will learn how Fado began, and enjoy an enchanting musical delight of the Portuguese guitar and the marvellous vocals.Fado tells a story through music and most of us have, I’m sure, listened to the Fado at various times. This, we can say, was a real pleasure, interesting and very intimate, performed to an exceptional standard.Their grand opening will take place on the 5th of December and will be attended by many dignitaries from both the area, and the tourism department. In just a short time they have already had many fabulous comments in their guest

Experience the History and a stunning live performance in the center of Tavira.

Fado today


RONALDOS BARThe food and entertainment venue!

Drinks ∙ Bar Snacks ∙ Sunday lunch. Fantastic viewing terrace, private car parking.

SUNDAY 14TH DECEMBER PRE CHRISTMAS PARTY WITH 4 COURSE CHRISTMAS FAYRE LUNCH, CABERET & DANCING 15€ DONT MISS OUT.

SATURDAY 20TH DECEMBER CAROLS AROUND THE TREE QUIZ AND SUPPER GREAT NIGHT ONLY 10€ FEW PLACES LEFT.

CHRISTMAS DAY PARTY SOLD OUT.SUNDAY 25TH JAN DANNY AND DAVE SING RHYTHM AND BLUES WITH 4 COURSE

LUNCH ONLY 10€ BEAT THAT.

Opening times; Wednesday to Sunday 10 am - 9pm. tel 964 581 213 or 966 775 417, Only 5mins from Monte Rei Golf

RONALDOS

CORTE MARTAINS

MONTE REI GOLF

Forthcoming events:

Culture

book from appreciative visitors.It was a pleasure to meet Virgilio, Miguel and Teresa, the very welcoming team, and we hope you get a chance to visit them and enjoy this exceptional experience. Contacts:Email:[email protected]: fadocomhistoria

Rue Damiao Augusta de Brito Vasconcelos no 4, 8800-343Tavira near to Misericordia’s Church.Telephone; +351 968 774613The 30 minute sessions are openDaily (except Sundays).10.15am, 11.15am,12.15pm,15.15pm,16.15pm and 17.15pm

A really beautiful experience, this glimpse of the real tradition of Portugal.

Recommend to everyone.

19


P ortugal’s most famous export, port wine, is synonymous with Christmas but is now universally accepted as an accompaniment

to most fine dining occasions. But what is port wine and how has it evolved? Port is a fortified wine by adding a proportion of grape spirit or brandy, at some point during the production process. Port is arguably the greatest

of all fortified wines and its paramount expression,

Vintage Port, ranks alongside the

f i n e s t

produce of Bordeaux or Burgundy as one of the great iconic wines of the world. Port wine is produced in the mountainous eastern reaches of the Douro Valley in northern Portugal, one of the world’s oldest and most beautiful vineyard areas where wine has been made for at least two thousand years. The first shipments of wine under the name ‘Port’ were recorded in 1678. Until well into the 20th century, the wine was carried down the river Douro from the vineyards in special boats known as barcos rabelos. The wine was then unloaded into the ‘lodges’ of the Port houses which line the narrow lanes of Vila Nova de Gaia opposite the old city centre of Oporto, to be aged, blended, bottled and finally shipped. One of the more fascinating

buildings in the city is the 18th century Factory House which is associated with the influence of Britain in the port wine industry. The building reflects the 600 year Anglo-Portuguese Alliance, and the importance of the city’s British

community and its prominent role in the port trade. The Factory

House provided a meeting place for foreign merchants to conduct their business and to defend their interests. Conceived as a meeting place for British shippers to discuss business, the house became a private club for the British where they colluded to consolidate their monopoly over the manufacture and export of

All you need to know about the History of Port wine, by Chris Wright

Port

20


port. In 1806, the Portuguese government granted the land upon which the Factory House is built to the British consulate in perpetuity "....from this day and forever." With their frequent meetings, the British shippers were able collude together on pricing and strengthened their monopoly over the trade. All business was conducted in absolute secrecy from the Portuguese. Over time the Factory House became a symbol of the British monopoly. Complaints about the business practices of the British shippers, led to the Portuguese Prime Minister Sebastião José de Carvalho e Melo, Marquis of Pombal establishing the Douro Wine Company in 1756, to bring more Portuguese influence and control to the Port wine industry. Among the Douro Wine Company's powers was the ability to set pricing for what the British shippers had to pay the Portuguese wine growers. The monopoly of the British Factors was essentially over. The British passed on their increased costs by adding them to the price of their port which angered local tavern owners and resulted in the so-called Tipplers' Riots of February 1757. Unrest broke out across the city, prompting Pombal to send 3,000 soldiers to quash the rioting and he subsequently dealt out harsh punishments. Both the British and their sympathisers faced large fines, the confiscation of property and jail time. Some were banished to Africa and India,

while Pombal had twenty-six members of the Factory House executed. Stability was restored and nearly sixty years later the building turned into more of a private gentleman's club among the merchants. It developed an air of exclusivity, holding formal balls for the British of Porto and excluding most of the Portuguese shippers who worked in the wine industry. Every Wednesday the shippers would gather for lunch, drinking port together, and play guess the vintage. Wednesday was chosen because this was the day when no post arrived, so there wasn't much work to be done. While sometimes Portuguese dignitaries and government officials were invited, until the end of the 20th century there was an official decree of the Factory House that excluded any Portuguese military officer below the rank of Field Officer from attending. Today there are now more Portuguese than British members of the Factory House due to the extensive integration of Portuguese workers into the corporate structure of many of the British Port shipping firms. The Factory House, which is open to the public and is still decorated as it would have been 100 years ago, is truly a piece of living history.

1 A selection of expensive vintage ports2 The Factory House ballroom 3 Barco rabelo with Porto in the background

4 The Factory House, Porto

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4

Port


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Happy Homes Algarve is currently looking for additional good quality rental Villas and Apartments to offer to our customers for next season. If you have a property to let, please contact us for more details'

h a p p y h o m e s l da. R u a D r . P a r r e i r a 1 3 7n e x t t o B a r c l a y s B a n k8 8 0 0 - 3 46 T a v i r a

Advice from property expert Robert Bijker from Land and

Houses Algarve

Every year in December we have made it a habit to reflect on the past year and to provide an outlook for the

property market in the year ahead. Twelve months ago we predicted that trading conditions for real estate would improve which proved to be an accurate assumption. The increase in transaction volume which started in 2013 continued in 2014 at even a higher pace. Also, property prices are somewhat improving, which is good news for vendors. These are positive signs in light of a lacklustre economic recovery in Europe with unemployment staying at stubbornly high levels versus previous economic recoveries. There also has been little help from banks as new mortgage origination has been low and expensive with spreads of around 4% over Euribor. To put this in perspective, during the years before the financial crisis the spread was between 0.5 – 0.9% over Euribor. The Algarve has always attracted buyers from all over the world, therefore it is important to watch how other economies are performing when analyzing trends in property prices. The big themes for 2015 that could have a negative impact on the property market are the possibility of economic stagnation in Europe, the possibly of deflation, and the need for further strengthening of banks balance sheets. To start with the first, Europe needs higher economic growth in order to bring unemployment down and to be able to lower budget deficits. Unfortunately, there are signs that the eurozone economy is slowing to a halt, with a key indicator of manufacturing activity, the PMI index (purchasing managers index) falling to 51.4 in the month of November 2014, just above the important 50 level marking an expansion. There is some positive tailwind from lower energy prices and a weak Euro, but this is not enough for a real economic recovery. Structural reform will also play a big role, not only in Portugal but also in France which is Europe’s second largest economy after Germany. For Europe it is important that the economy of both

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Covering the whole of the Algarve as independant real estate agents, we can provide you with unbiased advice when you decide to purchase a property and can introduce you to a wide choice of reputable mortgage banks, architects, lawyers, builders, chartered surveyors and interior designers. We have been in business for over 16 years, finding the right property for countless satisfied clients. We currently have over 900 properties available online and would be very pleased to help you find your ideal home.

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T A V I R A R ua J osé P i r es P a d i n ha 1 7 88 8 0 0 - 3 5 4 T a v i r a

V I L A MOURA N1 2 5 , B en f ar r as, B o l i que i me 81 0 0 - 0 6 8 B o l i q ue i m e

Property

Market update


France and Germany are performing well. The ECB will do everything in its power to avoid deflation, however, it may well be that inflation will remain low and well below historical levels not just for a couple of years but for the coming decades. There have been long periods of very low inflation before in the past two centuries. The current low inflation environment is due to technological and energy innovation, the deleveraging by corporations, government and households all at the same time as well as an aging European population. The year 2014 was also the year that Portugal exited the 3 year bailout program. During this period of austerity some progress was made with structural reform and the reduction of the budget deficit. However, progress has been slow and too little and makes you wonder what the future beholds now that Portugal is no longer required to negotiate with its lenders. Economic growth is forecasted at 0.8% for 2014, moving to 1.2 and 1.3 percent in 2015 and 2016 respectively. Furthermore, the government expects the budget deficit over 2015 to come in at 2.7 percent, which is already above the agreed target of 2.5 percent agreed with its international lenders. However, the troika (ECB/IMF/European Commission) thinks the government forecast is overly optimistic and expects the deficit not to drop below 3.3 percent of GDP in 2015 from a projected 4.8 percent in 2014. Moreover, the outlook from bank analysts is more in line with the numbers of the troika which will put pressure on the government to hit their targets during the 2015 election year. Issues hampering economic growth are a slow judicial system, inefficient public administration (e.g. hidden unemployment), restrictive labour regulations and a lack of

competition in some sectors. On a positive note, we believe that programs like the Golden Visa and the NHR (Non-Habitual Resident) will continue to be successful in attracting foreign buyers in 2015. Especially the latter as more and more people from Northern Europe will learn about this program and the benefits. The NHR program is a scheme for individuals who have not been a resident in Portugal during the past 5 years. Once an individual has been granted the NHR status, he or she will be exempt from income tax (work, royalties, pension, interest and dividend) for a period of 10 years. This program in combination with an undervalued property market is an attractive proposition for many foreigners who like to capitalize on a recovery in property prices while having a 10 year tax holiday. The market benefits more from this type of buyer versus ‘flippers’, as they have a strong incentive to hold on to their property during this 10 year period. Recent changes to local lodging legislation make investment in real estate more attractive, especially in a low interest rate environment. The new legislation requires owners who rent out their property on a short term basis to holidaymakers to register

at the local tax department as a business activity. The advantage of this so called ‘simplified regime’, is 85% of rental income is automatically considered as expenses. In other words, you are only taxed on 15% of your invoiced rental income. There is a flat tax rate of 25% percent, which results in a final rate of 3.75% of total rental income. This compares favourably with the tax rate on savings. Moreover, the rental returns also compare favourably with gross yields varying between 5 to 8 percent depending on the type of property, location and marketing.To summarize, despite of political and economical challenges we expect 2015

to be a good year for real estate with both transaction volume and prices to increase during the year especially if economic growth in the eurozone picks up. As there is not much new construction coming to the market in 2015, we also expect supply and demand to be more balanced which also will contribute to the recovery in property prices. In addition, we believe banks will continue to strengthen their balance sheets in 2015 – something we always considered to be a process and not an event – which in the future will lead to a more liberal approach towards the issuance of new mortgages and a reduction in the spread.

Robert BijkerLand & Houses Algarve – Yellow

Homes www.landandhousesalgarve.com

www.landandhousesalgarve.deTavira Office

Rua Dr. José Pires Padinha 1788800 - 354 Tavira

Tel: 281 320 281Fax: 281 321 901

(AMI – 6232) Vilamoura Office

EN 125, Benfarras Boliqueime8100 - 068 Boliqueime

Tel: 289 301294Fax: 289 301439

Property

Luís de Brito - Contabilidades, Lda.

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ACCOUNTANTSAll your accountancy issues

explained and translated. Professional & Friendly Service

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Rua 1.˚ de Maio, n.˚45-1.˚ Esq. 8800-360, Tavira. Near VILA GALÈ TAVIRA HOTEL

Tel 281 324 962 Fax 281 324 222 [email protected]

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www.eastalgarvemag.com24

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There are two living rooms, one with ac and lit the terrace and garden. A large well equipped kitchen, and a covered outside with a large dining table and BBQ terrace. And a beautiful swimming pool (45m2) for a more relaxing day.

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Modern Four Bedroom Villa with Pool & Sea

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This modern style villa sits on the top of a hill allowing the most stunning sea and country views. The location

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home. ESTOI

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Four Bedroom Villa – Tavira, 325.000€ Ref. 3579845

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within a few minutes’ walk of two restaurants, three bars/cafés, and ten minute walk to the historical town of Tavira. This property is in

great location for permanent living or for use as a holiday home.

Modern Four Bedroom Apartment – Tavira, 219.000€ Ref. 3579019

This modern four bedroom apartment is located just north of the N125 in Tavira. Ideally located for an

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Tel: (00351) 281 951 360 Tlm: (00351) 917 925 031

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GPS: N – 37º 11' 12" W – 007º 33' 00"€40,000 (Neg)

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FOR A 360˚ VIEW OF THE PARK, SEE OUR WEBSITE; WWW.CALICO-PARK.COM

Company AMI 7673Office: Tel/Fax 281 952 820Mobile: 00351 911 041 861/2SALES: www.algarvemantaproperties.comRENTALS: www.algarvemanta.pt EMAIL: [email protected]

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MANTA ROTA €275.000 REF: 1460• Fantastic finishes• Shared pool• Air con cool and heat• 3 Double bedrooms• 3 Bathrooms• Private garden and terrace• 5 Mins on foot to beach• Great rental

COURT ANTONIO MARTINS €495.000 REF: 706 • Close to golf course• Detached generous bungalow• 4220M2 land• 4 Bedrooms (3 suites)• Private pool• Solar for hot water• Air con heat and cool• Enormous garage

PROPERTIES REQUIRED TO SELL! PLEASE CONTACT US.

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monthProperty of the

Property

3 Bedroom Villa with Pool and good Country,

Hill & Sea views - sitting in a fenced plot of

2.580m² with garden.


* Borehole & cistern * gas water heater * 3 Phase electricity * SAT dish * wood burner * air condition-ing in the lounge and 1 bedroom * 6 x 10m pool * poolside shower * terra-cotta sun terrace surrounded by lawns * Irrigated mature garden * large rear plot waiting for 'green fingers' * Covered outdoor kitch-en, BBQ and picnic table * Fenced * electric entrance gates, gravel drive-way * ample parking space * carport * Storage shed and 2 dogs houses.

LOCATION: Near MoncarapachoREF 1492V

€265,000www.algarve-pt.com

RUSSELL & DECOZ REAL ESTATE

Tel: 00351 289 792 785 Mobile 963 085 580

Email: [email protected]

AMI License nº 870 - Member of APEMIP nº 1178Av. Maria Lizarda Palermo 43a,

8700 - 081 Moncarapacho, Algarve, Portugal

Property of the

PROPERTY REQUIREDMoncarapacho, São Brás,

Estoi, to Tavira area, please call or email.

Property


EastAlgarveM A G A Z I N E

PROMOTE YOUR BUSINESS WITH US

FROM ONLY €65, UP TO €295 FOR

A FULL PAGEIf you would like to

promote your business with the East

Algarve magazine contact us on

[email protected] or Tel 961 700 200.

As an advertiser you automatically become a distributer, and will be

provided with a number of copies to issue to

your customers.

TAVIRARua Dr. Augusto Carlos Palma, Nº 268800-345 Tavira AMI 4515

(+351) 281 320 080 - [email protected] - www.remax.pt/tavira

Contact us for free Comparative Market Analysis of your property

PROPERTY OF THE MONTH

Praia Verde3 bedroom townhouseroof terrace & 2 yards

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Reservas | BookingsXicken Piripiri +351 281 328 635

EN 125 - Caiana - 8800-072 Conceição de Tavira

EMENTA | MENUEntradinhas Xicken | Xicken TapasSalada de Marisco | Seafood Salad

Bacalhau do Lagar | Grilled Cod and Olive OilFrango no Churrasco | Chicken PiriPiriPiano de Entrecosto | Grilled Pork Ribs

Batata Xicken | Homemade CrispsMousse de Laranja | Orange Mousse

Vinhos Branco e Tinto “Selecção Xicken”White and Red Wine “Xicken Selection”

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C

M

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xichen reveillon Arte final.pdf 1 20/10/14 14:34

31www.eastalgarvemag.comAs reservas serão con�rmadas com o pagamento Bookings will be con�rmed after payment

Desconto de 50% para crianças até 10 anos 50% Off for kids up to 10 years old

Reservas | BookingsXicken Piripiri +351 281 328 635

EN 125 - Caiana - 8800-072 Conceição de Tavira

EMENTA | MENUEntradinhas Xicken | Xicken TapasSalada de Marisco | Seafood Salad

Bacalhau do Lagar | Grilled Cod and Olive OilFrango no Churrasco | Chicken PiriPiriPiano de Entrecosto | Grilled Pork Ribs

Batata Xicken | Homemade CrispsMousse de Laranja | Orange Mousse

Vinhos Branco e Tinto “Selecção Xicken”White and Red Wine “Xicken Selection”

Aguas, Refrigerantes e CervejaWater, Sodas and Beer

Café | Coffee

ÀS 2H00 | OVER 2AMCaldo Verde e Pão Quente

Traditional Soup and Hot Bread

Noite de Dança “Remember”Com ½ Garrafa de Espumante

“Remember” Dancing Night½ Bottle of Sparkling Wine / Pax

PESSOAPAX

45.00€

C

M

Y

CM

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xichen reveillon Arte final.pdf 1 20/10/14 14:34

32

Gardening

Your comprehensive guide to the uses and history behind festive herbs and spices

Christmas Herbs & spices

Believe it or not, in times past there were things more valuable than gold, silver, and even diamonds. They were the items people

coveted, and those who could afford them really wanted -- they were spices and herbs. In the days before refrigeration and modern cookery, food was pretty bland without spices and herbs. There are many spices and herbs that are generally associated with the Christmas period that we've all heard of, but others many may not know much about. So, let's explore some of the more popular Christmas Time herbs. In traditional Christmas stories and songs, especially those revolving around the birth of Christ, you hear a lot about frankincense and myrrh. How many of us can raise their hand and actually say what they were? Even better, how many of us can say where they came from? Well, frankincense and myrrh are both dried tree sap resins, meaning that they come from trees whose common names are frankincense and myrrh. Frankincense is genus and myrrh is Commiphora. They were considered so valuable that they were taxed at each place they passed through. The clearer and darker the resins, the higher the quality and price they fetched. By the time they reached Jerusalem, only the kings could afford them. CINNAMON

The spice, cinnamon comes for the bark of a tree and it is probably one of the oldest known spices used by man, since it is known to date back to 4000 B.C.As a medical herb, it is used with digestion and the spice is antiseptic. It is now thought to lower blood pressure.CLOVELook at the head of a nail, and you'll see the reason why the name of this herb evolved. The word clove comes from the Latin word clavus, meaning nail. the shaft and head of the clove bud looks like a nail. In the 16th and 17th centuries, cloves were one of the most precious spices of Europe and they were worth more than gold. The primary uses of cloves in herbal medicine are to relieve nausea and vomiting. It is also used to treat flatulence. Before the invention of Novocain in dentistry, cloves were given for tooth aches.FENNELFennel, the perennial variety with the yellow flowers, has majestic feathery leaves. It originates from the Mediterranean, but can be found growing throughout much of the world. It is very pungent, fragrant, and has a wide variety of uses. It is an invasive species in both the U.S. and Australia. Fennel seeds are ancient medicinal remedies, when it comes to digestion and hunger. Starving Puritans would chew on them during religious fasting to keep from growing hungry. Some cultures chew on them to relieve the feeling

of being over-fed. Ancient Romans chewed on the stalks because they believed it would keep them from becoming fat.GINGERGinger is a favourite medicinal herb and spice used not only for cooking -- but to aid digestion and treat stomach upsets, diarrhoea, and nausea for thousands of years. Thanks to popular children's literature, Christmas wouldn't be Christmas without ginger, gingerbread biscuits, and gingerbread houses. LAVENDERJust about everybody loves the scent of lavender. It's said that it must have been present with Adam and Eve in the Garden of Eden. In medieval times, lavender was considered a holy safeguard against evil. The myth was in many Christian homes, which a cross of lavender hung over any door, what protection from evil.MINTMint, which is actually Minthe -- is a sweet scented herb that contains menthol, which is what gives it the unique quality of being a known aid to digestion. Crushed mint leaves are one of life's treasures to smell. Mint’s true name is Mentha. This hearty aromatic perennial is probably one of the most easily recognized herbs, just for its aroma. It grows best in wet area and can be considered to be invasive.MISTLETOEMention mistletoe and it brings


33

Gardening



Wor

ds: M

ark

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Gardening

smiles and warm memories of being caught under the mistletoe for a stolen kiss. The tradition of hanging sprigs of this herb as an emblem of love and good fortune goes way back before 200 B.C. It's not known exactly why or when the tradition of kissing under the mistletoe started, but it is generally accepted that it was in the 16th century, possibly in England. ROSEMARYIn terms of Christmas legends, rosemary has a special place. The flowers of rosemary were supposed to white, but it's said that after Mary laid her blue cloak upon the branches of a rosemary bush, the flowers took on the blue colour of her garment. Therefore according to folklore, rosemary was said to bring happiness for anyone who smelled it on Christmas Eve.SAGESage is a common meat rub herb that started its

herbal career, as a healing herb that was thought to have cured everything from snake bits, eye problems, infections, epilepsy, intoxication, memory loss, worms, and intestinal problems. The truth is that it is a good food preservative.

THYMEToday, aside from being a common herb for roasting meat, it is also used in dried flower arrangements, bouquets, and potpourri. Many people would identify thyme as a kitchen herb used in roasting,

especially with holiday meals.NUTMEGNutmeg may not look the most interesting of spices but it has been used for everything from embalming Ancient Egyptians; a treatment for piles in the Middle Ages to being a well-known alternative to marijuana. Natives of the Banda Islands, Indonesia rub nutmeg oil on the stomach as a treatment to flu and also rub it onto the forehead to treat headaches. It would seem the reason so many of these herbs and spices appear in the foods we eat at Christmas is due to the fact they are all associated with treating colds and flu.


LANDSCAPING & GARDEN CENTER

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MONTE da PALHAGUEIRA VILLAGE

DESIGNED FOR THE OVER 55’S Monte da Palhagueira offers 33 houses and apartments, exclusively designed for the over 55’s. Set within a traditional village development of 22 acres, just 20 minutes drive from Faro International Airport, the village nestles in the tranquil and picturesque hillside of Gorjões, Faro in the Algarve.

COMPLETE PEACE OF MIND In addition, village properties all have access to British trained medical staff, on duty at all times, via an aid call system linked to the village nursing home.

MAKE AN ENQUIRY For further information please contact Clive Roberts on ++351 289 990900 E-mail: [email protected] Ι Web: www.retirementvillageportugal.co.uk Monte da Palhagueira Village, Gorjôes, 8005-488 Sta. Barbara de Nexe, Algarve, Portugal.

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EXCELLENT FACILITIES The village offers many unique features, including its own own Anglican Church, public restaurant, tennis court, two swimming pools and an ornamental lake, all set within traditional village surroundings, bounded by stone walled lanes and terracotta tiled buildings.

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By Gavin Scott, Senior Partner, Blevins Franks

Expert financial advice

A utomatic exchange of information on a global scale will become a reality in 2017, as 51 countries

signed an agreement to share financial information. Another 35 jurisdictions will join the following year. All Organisation for Economic Cooperation and Development (OECD) and G20 countries, as well as most major international financial centres, have signed a “multilateral competent authority agreement” that will activate the automatic sharing of financial data for tax purposes. It shows the determination of governments across the globe to prevent tax evasion and capture lost tax revenue. Tax authorities of participating countries will be able to gather much more information on the assets their taxpayers hold abroad. The OECD explains that automatic exchange of information “can provide timely information on non-compliance where tax has been evaded either on an investment return or the underlying capital sum, even where the tax administrations have had no previous indications of non-compliance”.58 jurisdictions, known as the “early adopters”, have pledged to make the first exchange in 2017. This includes Portugal, the UK, most EU countries, Isle of Man, Jersey, Guernsey, and Gibraltar.A further 35 jurisdictions have said they will start in 2018, including Switzerland, Singapore, Monaco and Hong Kong.The US will start automatically exchanging information with countries

around the world from 2015.After the signing ceremony, OECD Secretary-General, Angel Gurria, commented: “We are making concrete progress towards the G20 objective of winning the fight against tax evasion… The world is quickly becoming a smaller place for tax cheats.”The global “Standard for Automatic Exchange of Financial Account Information in Tax Matters” is different from most current bilateral agreements, where authorities have to make formal requests for information. Now they will automatically receive information on all their taxpayers who hold assets in the participating territories. The standard sets out the financial account information to be exchanged, including, balances, interest, dividends and sales proceeds from financial assets. It covers accounts held by individuals and entities, including trusts and foundations. Cross border tax planning has completely changed over recent 15 years; particularly since the move towards global tax transparency escalated in the wake of the financial crisis. Where once we used to take financial privacy for granted, we now have to accept that it is history. Tax authorities will have information on our income and assets, wherever we hold them. One thing has not changed however, which is that every individual has the right to structure their assets in a tax efficient manner. You need to establish how you can use approved

tax advantageous structures here in Portugal to reduce your tax liabilities. It is important to be compliant with local tax law, but it is also important to protect your wealth from taxation wherever possible. You can do both if you take specialist advice. To keep in touch with the latest developments in the offshore world, check out the latest news on our website www.blevinsfranks.com

No hiding place as 50 countries sign deal to share

your information

Rui Horta Law Office ESCRITÓRIO DE ADVOGADOS

LAWYER

Telephone: 281 325 635 or 281 325 636 Fax. 281 325 612 Mobile Phone: 96 4043 380 or 96 207 6556 E-mail: [email protected] or [email protected]: www.taviralawyers.comRua 1° de Maio, no 9, 8800-360 Tavira - Portugal

Purchase of Commercial and Residential Property • Mortgages on Property or

Shares • Formation of Trust Companies • Banking & finance advice • Taxation Advice Development and Planning Law • Personal Injury • Contract Disputes

• Powers of Attorney • Will and Probate • Debt Collecting and Process Service • Enforcement of Judgments • Mainte-nance Orders • Family Law and Divorce • Nationality and Residency Applications PORTUGUESE, ENGLISH, SPANISH

AND FRENCH SPEAKING SOLICITORS OFFERING CLIENTS THE BENEFITS

OF LOCAL REPRESENTATION.


Premier FX's Account Manager Cathryn Evans keeps us up to date with the latest currency news.

Expert currency advice

Managing your International payments

W ith Christmas on its way and 2015 in sight, how is the GBP/EUR going to sit at the end

of the year, will we see it going back up and get to 1.30? Unlikely. For those of you who wanted to transfer GBP to EUR at the beginning of November Mario Draghi was the one to thank for the exchange rate, as the outcome of the monthly ECB meeting boosted the sterling against the Euro to nearly a 2 year high, but this was short lived as the inflation report from the Bank of England on the 13th November saw the GBP/EUR take a downward turn and we began to see it go to the 1.24’s. Looking in the short term we would like to say anything above 1.24 is an acceptable rate. On the other hand if you are looking at moving funds back to the UK keep in touch with your currency broker, as when those dips happen it is the time to act quickly.

Over the Christmas period many of us visit family, and need to transfer funds for the visit. We offer no minimum amount, we can send direct to family and friends if required, all with no fees or charges. So if you are looking for a secure and fast way to send funds we are on hand to help with all your currency needs worldwide.At Premier FX we not only help private clients get the best exchange rates, we are also able to support business’s that may need to purchase supplies worldwide or transfer funds. Like with our private clients we offer a tailored service to suit your needs.We are pleased to announce you can now make your transfers using your

UK debit card with our online system as well as the option to do a

bank transfer, whether you are looking to

set up a regular payment or making a one off transfer, with no bank charges, and no minimum a m o u n t s ,

Premier FX is on hand to help;

we are here to make your currency

transactions stress free and simple.

From all the team at Premier FX we would like to wish you a Happy Christmas and a Happy New Year.Premier FX is authorised by the FCA (530712) and regulated by HMRC.

CONTACTCathryn Evans

Tel: + 351 289 358 [email protected]

"We are pleased to announce you can

now make your transfers using your

UK debit card with our online system as well as the option to do a

bank transfer".


TLM: (+351) 912 448 103 TEL (+351) 281 029 059EMAIL: [email protected] WEB WWW.ALLFINANCEMATTERS.COM

As you may be aware by now, since the 27th of November there are tighter regulations with

regard to private holiday lettings. The decree-Law 128/2014 recently published, created independent regulations for local lodging (AL - Alojamento Local), and some of our readers that were not aware of this, where caught by surprise and sent us some questions.We will try in this article to clarify some of the main questions arising from this law, and clear the subject a bit more.First of all, if you rent your property in Portugal the income needs to be declared in Portugal. This is not a matter of personal preference, but a matter of law. Secondly, the Tax Authorities (Finanças) state categorically that property owners letting directly to holidaymakers (for less than 30 days) are viewed as having a business activity that must be reported in Portugal under Category B. Several taxpayers have been declaring rentals under Category F, this should be reserved for either

“long-term” rentals (more than 30 days) or “locação turística”, which is when the property owner makes a contract ceding the property to an agent for ongoing letting to tourists.Please note that as we mentioned in a previous article, the main reasons for you to comply with this new law are:Fines are very high for those that do not comply with this law; both the property owners, and property agents that advertise the rentals.Tax is quite low if you are on this scheme; as a non-resident you pay 3.75% tax, instead of being taxed at 28% (this is not a typing error you have read it correctly, 3.75% opposed to 28%)So why take unnecessary risks and not obey the law? Please find below some questions and answers, to help you understand a bit more about the local lodging:

QAs a business, will there be complicated accounting/

reporting requirements?

A No, unless your income is over €200,000 per year, you would be

classed on the “Simplified Regime”, and as the name says, everything will be simple.

Q What is the simplified regime, and what expenses can I

offset against my rentals?

A Most of the Sole Traders in Portugal elect to operate under

the Simplified Regime when opening their business activity. Under the simplified regime taxpayers cannot deduct professional or business expenses against their annual gross income. The taxable income of this category will be computed automatically, based on their income.

Q What is the tax payable on the simplified regime on my

rentals?

A The effective tax rate on Category B, in the simplified

regime, for a non-resident property owner will be 3.75%. So for earnings of €10,000 the taxable income, equates to €375. Please note that under Category F, on the same income taxed autonomously at 28%, the tax liability would be €2,800, nearly 8 times more!

Q Do I have to issue invoices to holidaymakers?

A Yes, you need to issue invoices, however this is a service included

Keep up to date with our Finance expert, chartered accountant Ricardo Chaves from All Finance Matters.

Expert financial advice

Rental Licence / Local Lodging Questions and Answers

Offering a friendly personalised service. If you have any questions or need a helping hand,

come in and say hello. We are located only a few minutes walk from Vila Galé Hotel in Tavira &

or Albufeira Marina.

Specialising in Accountancy & Reporting, Mortgages

& Finance. foreign exchange taxation services fiscal

representation insurance brokerage


in our package, so we will do this for you. We will also simultaneously report the arrivals and departures to the Immigration and Borders Service (SEF) at no additional cost. This is also mandatory under the new law.

Q Will I need to be VAT registered?

A You can be VAT registered by choice or when your income

exceeds €10,000 per year. However as the VAT charged to holidaymakers is 6% as a tourist activity and as most of your operating expenses has VAT at 23% rate, normally you should be in credit in terms of VAT.

Q Do I have to pay Social Security contributions?

A There are various full and partial exemptions that apply in most

cases:a) Many people are eligible for full

Social Security exemption if they already contribute to or are beneficiaries of a National Insurance system any-where in the EU and beyond; b) Those earning less than €16,768.80 in Local Lodging income are also fully exempt; c) Those who earn more have contributions based taxable income (15% of gross Local Lodging invoices) and should be eligible for partial reductions from the normal contribution of €145.Amongst other goals, the Simplified Regime tax savings are designed to encourage and stimulate this newly recognised and important segment of the tourist industry. Creating a reasonable compliance environment with sensible taxation levels may come as common sense to some and revolutionary to others. Whatever your

perspective, this is the system now in place and compliance is a must.We strongly advise our clients to stay legal and compliant with these rules and regulations because not only are the fines very high (starting at 2.500€ for private individuals) but also because these law opens an opportunity to mitigate the tax currently paid on rentals. Rentals under this law will be taxed at 3.75% opposed to the normal 28% rate.If you have any other questions, please feel free to contact us, we aim our expertise and know-how to work in your benefit, keeping you tax compliant while paying only the legal minimum. Pass by our office for a friendly chat, and find out more about the tax strategy that might be more effective on your specific situation.

L ynne Whiteley discovered a poignant story when she and her family started to trace their ancestors. The result has been a remarkable first novel, A POCKET FULL OF HOPE. Based on

fact, a family's struggle during the desperate times of World War One is brought to life as Lynne delves into the emotions surrounding a Sheffield community. Loyalty and love abound along with cruelty and tears and the author takes very special care in making us really know the characters. Life was harder than most people know during these years and the author certainly demonstrates the hardship and trials of life in a northern industrial city As the story unfolds you will be drawn into the intricate web of joy and despair and also probably shed a tear or two on the way. A percentage of each sale will go directly to the Royal British Legion. Lynne Whiteley was born in Sheffield but now lives at Fuseta. The first three chapters of the book can be read at: www.apocketfullofhope.co.uk

Chris Wright introduces Fuseta author’s emotive first novel.

full of hopeA pocket


Books


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All the latest sports news from Chris Wright.

Sport

Mixed Fortunes And More Foreign

Investment

November was a month of mixed fortunes for SC Olhanense who overcame Algarve rivals Portimonense,

lost heavily at high flying Benfica ‘B’ then surprised everyone with a stunning away win at league leaders Freamunde. Against Portimonernse manager Jorge Paixão gave a league debut to goalkeeper Svedkauskas and recalled Celestino to bolster the midfield. It was second-half substitutes Weldon, Gonzalez Prado and Giraldo who were instrumental in the 2-0 win. With ten minutes remaining former Benfica centre-forward Weldon jinked his way into the box and was delighted to see his weak shot slip under the diving Ricardo Ferreira. This was the confidence booster that Olhanense needed to kill the game off, which they duly did two minutes from time, when Gonzalez Prado calmly slotting home. Away at Benfica ’B’ it was the visitors who were 1-0 up at the break thanks to a Rodrigo Antonio strike but the game turned dramatically

when Olhanense pressed the self destruct button shortly after the interval. A silly free-kick allowed Helder Costa to level the score and then centre-back Ubay Luzardo picked up two yellows cards within the space of two minutes. Down to ten men against the young Eagles was too much to overcome as Helder Costa helped himself to a hat-trick. Rui Fonte and Ruben Pinto adding further goals in the 5-1 win. It was fortunate that 17 year-old Gonçalo Guedes, considered by many to be the new Cristiano Ronaldo, had a quiet game otherwise the final score could have crept towards double figures! The Benfica starlet, who is being chased by many of Europe’s top clubs, is high on Arsenal’s wanted list but with a release clause in the region of €50m he may prove to be expensive for the north London club. Olhanense then moved north to take on league leaders Freamunde without defenders Ubay Luzardo, sent-off, and Duarte Machado who picked up a fifth yellow card against Benfica. Surprisingly the Algarveans were two

goals to the good inside fifteen minutes thanks to a Paulo Regula penalty and a Celestino rocket from well outside the penalty area. This win keeps the team in mid-table and with three winnable home games in December the players should be striving to perform to the best of their capabilities prior to the opening of the transfer window in January. The Olhanense SAD (limited by liability company) are negotiating with French investors to bolster the financial investment of the current Italian backers which could result in changes of playing personnel. Olhanense captain Semedo made his debut for Cape Verde in their 1-0 defeat by Zambia in a 2015 Africa Cup of Nations qualifier. Cape Verde had already qualified for the finals which will now be played in Equatorial Guinea after Morocco declined to host the tournament because of the Ebola virus epidemic in West Africa. Another debutant was centre-forward Bedi Buval who scored for French overseas province Martinique in their 2-0 Caribbean Cup victory against Antigua & Barbuda.


Sport

CRISTIANO RONALDO DELIGHTS CROWD

C ristiano Ronaldo became the highest goal scorer in European Championship history when he scored the only goal of the game against Armenia at the Algarve Stadium in their EURO 2016 qualifier.

With twenty minutes to play substitute Ricardo Quaresma cut in from the right and his angled shot was beaten away by the goalkeeper. Nani pushed the ball to Ronaldo who swept it past Roman Berezovsky at the far post much to the relief and delight of the crowd. This was Ronaldo’s twenty-third goal in European Championships and his fifty-second for Portugal. Eusébio, the greatest player ever to wear the Portugal shirt, was honoured by Loulé Câmara on the eve of the Armenia game. The southern access road to the Estádio Algarve will be named ‘Avenida Eusébio da Silva Ferreira’.

FootGolf, a combination of football and golf, is growing fast and becoming established at the

Colina Verde Golf & Sports Resort at Maragota, near Moncarapacho. The premise of FootGolf is so simple that it seems strange it was not invented decades ago: instead of using clubs and a golf ball, players use their feet and a football. The winner is the one who completes the course in the fewest shots. A special hole, to take a football, is located on the fairway adjoining each green. While the cost of the necessary equipment and the time required to complete a round of golf are dissuading would-be players, FootGolf is immune from both

problems. You only need a pair of trainers and a spare hour or two. The Federation for International FootGolf (FIFG) now has twenty-two member nations including Portugal, UK, Holland, Argentina, Spain, Germany, Belgium, Norway and the latest addition Saudia Arabia. Last month the first Portugal Open Tournament featuring some of the world’s top players was held at the Quinta da Marinha Golf Course in Cascais near Lisbon. The nine hole Colina Verde course has been extended to include three additional holes for FootGolf and the winning team of Paul Martin, Mike Wreford and Paul Shawe had a combined score of 160 (par 126)

with Paul Martin holing a tremendous eagle on the, par four, third hole. This first tournament resulted in ten birdies including one by top female player Tanya Fox. Andy Smith won the award for Top Player with a round of forty-five (par forty-two). Such was the enthusiasm of the participants that it is proposed to make the event a monthly competition with new members particularly welcome. The next event will be on the afternoon of Wednesday 10th December and anyone interested should contact Chris Wright: email - [email protected] or phone 916 504 903

Footgolf takes off

Phot

o: La

rry B

awde

n

44

What it takes to make a champion

This months tip from Keith Ashdown, golf professional at Benamor golf.


I wonder how many aspiring young professionals will make it to the top in 2015. Listed below are 12 very important qualities needed.

1 The desire. This has to be an obsession, a passion.2 An understanding of your swing.3 The will to practice, practice, practice.4 Competitive experience means making the effort to travel.5 Concentration. Means trying on every shot.6 Good vision. To judge distance and lines on the green.7 Feel or touch. For gauging force to be applied.8 Starting early in life. To have acquired co-ordination.9 Emotional control. To be able to make the knocks and the good breaks with equanimity.10 Clean living habits. Goes without saying.11 Muscular build. To stand practicing and playing long courses.12 Strong hands, help in allowing wrists full freedom without club slipping.I will also add one more to the above list but not number 13, a little bit of luck along the way.

Merry Christmas and good golfing in 2015.

Pro stats Name: Keith AshdownTitle: P.G.A. Resident professionalPro since: 196Born: Crowborough, Sussex, U.K.Tournament History: •Winner of more than 100 professional golf tournaments in Europe.•Represented G.B. and Ireland in the P.G.A. Cup against the U.S.A.•16 Hole in ones (4 on par 4’s)•Course record holder at Benamor, 65 (6 under par), although has scored 60 strokes on 3 occasions (Not counted as a course record as they were not scored in a professional competition)•European tour player member 1968 - 82•European seniors tour player/member 2003;2004;2005


WWW.BENAMORGOLF.COM

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WE MEASURE! WE MAKE! WE FIT!Hand sewn, made to measure curtains, HUGE selection of fabrics, Complete range of window furnishings, Furniture re-upholstered all in our workshop!NOW WORKING WITH PROFESSIONAL SWEDISH DESIGNER- KRISTINA DOLVEN.

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FULL SERVICE CURTAIN MAKERS AND UPHOLSTERY


3 heated towel rails, two electric, one small one for plumbing in to hot water system (new) Offers accepted over €10. Phone: 289 792 024 or email [email protected] Press. Phone: 289 792 024 or email [email protected] Jacarandar Trees for sale. Height 35-75cm. €2.50 - €5.00. Call 964 434 566. Tavira areaGentleman's good quality clothing, tall slim fit, trousers, shirts, jackets, nightwear, shoes size 11-12. Phone: 289 792 024

ACTIVITIES

Yoga lessons in Loule, November 7, 14, 21,28 From 6-7.30pm Donation. For more information contact [email protected] 912696185Scottish Country Dancing at the Casa do Povo Moncarapacho, Thursdays 5.30 ~ 7.30PM.Tel 289 791 998 or 914 798 833 or email [email protected] Painting for pleasure. Beginners onwards every Wed 10.30-12.30 Mesquita, Sao Bras T. 289 845 561

MISCELL ANEOUS

Home Made Sausages, Pies, Pasties etc, [email protected] phone 919 915 815Alcoholics Anonymous Do you have, or is there someone you know that has a problem with alcohol? There is a solution. Please call: (00351) 916 457 733. English speaking.

PROPERTY

Winter season rental: 2-Bedroom villa in Estoi area. See casadaencosta.wordpress.com. Email: [email protected] required for purchasing clients in the following areas; Moncarapacho, Tavira, Estoi and Sao Bras area for established real estate company Russell and Decoz, Lda. Telephone 289 792785 – email [email protected]

SERVICES

English mobile mechanic, repair/servicing/electrical etc. No job too big or small. Quote you happy, all makes and models of cars, vans and light commercial vehilcles. Call Paul on +351 914 417 580 or +34 642 458 853, email [email protected] help with your PC? Want to speed it up or fix a problem? Has a virus? Your laptop broke? Need lessons facebook, internet ...? Call Ricardo Cabrita at +351 963 752 393 or email [email protected] UK INSURANCES. Best rates. Personal service. Details to [email protected] handyman, construction, plumbing, painting, gardening and solar energy Tavira \ Olhao area 75€ a day 96 5719191NOVAVET Consultório Veterinário, Dra Sarah Langridge. 13a,Rua Antonio Pinheiro (near Porta Nova Hotel), TAVIRA. Open 1000-1200 mon-sat no appointment nec.or call 935581822/[email protected]

FOR SALE

Indesit fridgefreezer €100 as new little used 968786135Bicycle for Sale Only €50 used twice age 7 to 10 years complete with safety helmet. Cost €78 new. Contact Ellen and Roger Tel 00351 289 791 122 Moncarapacho or email [email protected]

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December 14, East algarve magazine

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Transcript of December 14, East algarve magazine