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Learning about Lydiard's past
W LLS BEVIRS If you are interested in learning more about local histo ry, or even just a

fan of 'Time Team', a new course in Janua ry based at the National
Professionally drawn by Monuments Record Centre (NMRC) could be just the thing.
SOLICITORS
THE ANDREWS Understanding PastLandscapes "Documenta ry evidence before
for Independent will introduce you to the range of 1743 when it was remodelled in
PARTNERSHIP Financial Advice materials and information held at Palladian style
the NMRC and their use for histori- is quite sparse,"
A professionally prepared See us first for impartial guidance cal research. Archeological sur- said museum
on investment and money matters
will can avoid delay and veying, aerial photographs and assistant
distress for your family Offices in Swindon, Wootton buildings records are some of the Teresa Squires,
Bassett and Caine resources used to study clues hid- right. "By study-
Home visit service: den in the landscape all around us. ing other forms
Single £49.95 Contact Jeremy Angell One of the main attractions for of historical evi-
Double £69.95 on 01249 814536 West Swindon residents is that the dence we hope
Tel: (01793) 642245 Authorised by the Law Society to course will focus on the individual to learn more about the house in
conduct investment business
parish histories of Lydiard Tregoze relation to its gardens, estate and
and Lydiard Millicent. Four Satur- the parish as a whole."
Learn The Modern Jive & day morning workshops will en- There are still a few places left
able you to apply your new knowl- on the ten week evening course
Mossudrd Crafts Experience A Night of edge 'on the ground' in practical starting on Thursday 18 January.
sessions with the added attraction To enrol contact Jane Golding at
For all your CEROC of a pub lunch afterwards. The National Monuments Record
Museum staff at Lydiard House
CROSS STITCH have already signed up with the Centre on 414735. The cost is £90.
Teresa and Sarah Finch-Crisp,
Professionally keeper of Lydiard House will be
supplies Qualified Instructors aim of furthering their knowledge writing regular reports for The Link
about the house, ancestral home
Also Dance to the of the St John family. as the course progresses.
Tapestry & embroidery classic sounds of
the 40's to the 90's Finding your way through
Picture framing service
Just Turn Up
18 Apsley House Arcade the mortgage maze in 2001
Come on your own
Wootton Bassett or with friends Over the past two to three years that have been major changes in the
mortgage industry in the UK, mainly through the introduction of the
Tel: 01793 848855 No previous Mortgage Code Compliance Board (MCCB) and the various levels of
C7 experience necessary advice aimed at giving the consumer the help they specifically
require, writes Mike Rees of Mansfield Begbie Associates.
Complete
Graham Obeginners welcome There have also been a to do with a change in the
McCallion - anytime number of mortgage and _. forecasts for projected
growth rates on endowment
remortgage deals made { -
Full disco available by various lend funds in the future.
PHOTOGRAPHIC Drinks available ers which give the consumer As we are entering a pe-
STUDIO a much better choice of -' riod of low inflation and,
Every Friday at hopefully, lower interest
WEDDINGS W the Memorial Hall product and far more flex- rates, economists estimate
ibility than before. For ex-
PORTRAITS Station Road ample, no redemption penalties, that this will have an effect on fund
0 Wootton Bassett duction in growth rates. The PIA
COMMERCIA no 'tie-ins' at the end of a particu- growth, resulting in a possible re-
7.45pm to 11pm larfixedordiscountedproductand
also the ability to pay off lump (Personal Investment Authority)
Information Line: sums with no penalty at any time. has instructed all endowment pro-
All of this has made the choice for viders to review all their policies
The Barn, 116 High Street 07899 967144
Blunsdon, Swindon the general public much more ap- at a lower growth rate from now
www.ceroc.org pealing and with the introduction on. This obviously has the effect of
of 'fee free' remortgage packages showing a potential 'shortfall' at
(sometimes only available through maturity. There are a number of
brokers) there has never been a options available to deal with this.
better time to review your existing However, policy surrender is not
mortgage situation. a good choice. If clients prefer the
However, there has also been a guarantee of a capital repayment
high level of criticism (unjustified mortgage, in which there is no
in some cases) of endowment- doubt that the mortgage will be
linked mortgages, with the result repaid at the end of the term, a
Regular Entertainment that there have been record num- remortgage to a better rate is a
^t bers of endowment policies being good option but maintaining the
Music Nights, Quiz Nights, Race Nights, Membership surrendered, which is not usually endowment is also recommended,
Darts, Pool, Skittles available the best action to take. subject to budget.
0- We at Mansfield Begbie have For a general discussion about
Only £6.00
Open 7 nights a week and tried to ensure all our clients un- the options available, please call
weekend lunch-times derstand that the press specula- Mike Rees, Certified Mortgage
lion has not been due to poor per- Specialist, of Mansfield Begbie As-
The Red House Club, bring the family, and enjoy prices you probably formance of endowment provid- sociates on 01793 772779 to see
haven't seen for years. ers (although some have not per- whether a review of your finances
formed up to the levels indicated for 2001 could set you off to a good
at the start of the policies) but more start in the New Year.