Evergreen winter 2008
evergreen winter 2008 28/7/09 11:04 am Page 2
magazine for retired members of the PACE and United pension schemes
it's just around
IN THIS ISSUE: Stores get brand new look • Home sweet home? • Grand touring with coach holidays
evergreen winter 2008 28/7/09 11:04 am Page 3
Well, folks, it looks like that was our summer; over in the blink
of an eye! But November brings lots of new seasonal things to
enjoy, not least the anticipation of the festive season. But
when you're out and about doing all that Christmas shopping,
Time to celebrate
make sure you've read our guide to protecting yourself and
your wallet (pages 18 & 19).
This issue we take a look around The Co-operative Groupfamily, with articles from Pharmacy, Travel and Co-operative
Legal Services. Plus, we bring you a round-up of the huge
strides we've been making on the ethical front, and an update
REA news round-up
on the rebranding of our stores. Did you know we've now
That's the spirit
rebranded over 2000 stores, making it the biggest rebrand
programme in UK corporate history?
Preparing for winter
Scams - don't be caught out
As usual we bring you all our regulars, including news and
Grand touring in comfort and company
photos from all the REAs, your birthdays and anniversaries in
Credit where it's due
Time to Celebrate and our doctor's corner.
And don't miss this issue's great offers and competitions -
from bottles of Fairtrade wine to a coach holiday for two! And
to those battling life-threatening illnesses
in this issue we're asking you to tell us what we're doing
right (and wrong!) with our first ever readership survey. Please
Caravan - the grocery industry's helping hand
take the time to fill the survey in and send it back to us -EverGREEN is your magazine and we'd love to hear what you
think about it. And you could be in with the chance of winning
EverGREEN's Customer Relations Team can now
provide publications in Braille, large print and on
cassette. There's also a freephone minicom for
We hope you enjoy your bumper, fun filled festive issue. Until
those who are deaf or hard of hearing. Freephone
next time, we wish you a merry Christmas and a very happy,
0800 0686 727 minicom 0800 0686 717
and healthy, new year!
or write to The Co-operative Group,
See you in 2009!
FREEPOST MR9473, Manchester, M4 8BA.
We use information held by The Co-operative Group to distribute this magazine. Through EverGREEN, the REAs and direct mailing, you are advised of discounts and services available to you as a member of the PACE andUnited pension schemes. We will never sell or transfer your details to third parties for marketing purposes.
Should you not wish to receive this information, pleasewrite to The Editor, Pensions Department, FREEPOST,
New Century House, Manchester M4 8BH.
Assistant0845 3000465 (Local rate)
the Co-operative Group, New Century House, Manchester M60 4ES. Registered Number 525R
evergreen winter 2008 28/7/09 11:04 am Page 4
I'm delighted to be able to take this opportunity to write to you.
I'd also like to extend a special welcome to retired colleaguesfrom United Co-operatives who will be receiving Ever
the first time following the merger.
I was fortunate enough to have worked closely with my predecessor, Alan Murphy, for a number of years and this hashelped me settle in to my new role without too much difficulty.
It would, however, be remiss of me not to acknowledge thehuge contribution made by Alan. Alan consistently raised standards in Group Pensions Department and was integral inthe successful launch of the PACE Scheme in 2006.
When I started working in the pensions industry 20 years agosome people may have regarded pensions as being dull. Youcould say many things about pensions these days but I don'tthink ‘dull' would be one of them!
The recent economic turmoil has caused a great deal of
concern worldwide but, from a pensions perspective, it is
important to remember that pension schemes invest for the
long-term. Whilst funding levels can be expected to fluctuate,
the Group Pensions Team and Pension Scheme Trustees
remain entirely focused on ensuring that strong governancecontrols and appropriate investment strategies are in place toensure that pensions can be paid as they fall due over the
3 nights for the price of 2
next 50 years or more.
Bed & Breakfast £109 valid until
Details of the latest funding position of your scheme can be
26th March 2009.
found in the Members' Annual Report that you will receive with
Offer subject to availability.
this edition of EverGREEN. Despite recent events, the schemesremain in good financial health compared to many in the UK
Further info - www.newlanark.org
and continue to be supported by a strong business.
E-mail – [email protected] Tel: 01555 661345
The Group Pensions Team is completely committed to providinga quality pensions management service. To demonstrate this,the team has again been independently audited as having
Christmas is coming…
industry best practice level governance and management controls. In addition, the PACE Scheme won three awards in
As delicious Christmas
September, including ‘Best In-House Administration' by
products arrive on the
Professional Pensions magazine.
shelves, EverGREEN takes a
Therefore, please be assured that
closer look at the festive
your pension continues to be insafe hands.
treats of food and wine
that bring the best that
My very best wishes to you all. I'd
the season has to offer -
also like to be one of the first towish you a happy Christmas and
all available conveniently
at your local The
Co-operative Food store.
See pages 14 & 15
Evergreen is written and produced by Co-operative Group Corporate Communications
evergreen winter 2008 28/7/09 11:04 am Page 5
Thank you very much for the EverGREEN book. I enjoy reading itand seeing the people's photos in it. I would like to say thanksfor the PACE line news and update.
I do enjoy the crossword puzzle - the last one I received I was
Welcome to Rotherham
able to solve half way.
Our group would like to extend a warm welcome to any
Thanks again to the staff for all the news and tips.
retired employee from The Co-operative family group who livein the Sheffield, Doncaster, Rotherham areas and enjoy a little
social event i.e. pub lunch, day trips, make new friends.
Thomas Campbell, Belfast
Please contact Dave Herbert on Rotherham 01709 540441
Thank you for your kind comments, Thomas and glad you enjoy
Secretary or Roy Rich 01709 863514 Chairman.
Congratulations to Pam
Congratulations to retired Co-operative employee Pamela
Board, who has been recognised by the Borough of Newham
as one of its citizens of the year. Pamela works tirelessly forher local community centre, she works as the secretary,
Good day, I thank you for your
cleaner and any other job that no one wants to do - all on a
EverGREEN magazine from The
Co-operative Group. I thank you for keeping us in touch of this
Each year the local Borough
scheme. I hope God may send
Council organises an awards
his blessings and knowledge to
ceremony at the town hall
help old people from all sources.
where the nominees have a
This is a big help in their lives, you are doing a big job.
meal hosted by the mayor and receive their awards. Pamela,
When I read the magazine and see how many people are living
who also organises the London
over 100 years - what a blessing.
branch of our Retired Employees Association, said ‘I
Deborah Smith, Manchester
am really pleased to have received the award, it is good
I simply have to communicate with you about the latest edition
that the council do this it does
of ‘EverGREEN' (the first one I have seen). You must congratulate
encourage community spirit.'
the team on an excellent job done. One of the best mags of itstype I have ever seen. Concise articles supremely relevant tothe intended audience. A right good read. Well done you andyour team - from somebody who only does e-mails if I have to!
I am writing to you tell you about some voluntary work for an
Ian Mason, Director – Co-operative Group (Ex United)
organisation called BEES - Bradford Environment EducationService - part of the YMCA. I really enjoy this outdoor work,and I have learnt a great deal about nature and the environment. The volunteers are a very friendly bunch, who
Remember, EverGREEN is all about you so please keep
range in age from teenagers to retired people and are from
sending your letters in to us at:
very different backgrounds.
Evergreen Postbag, c/o The Co-operative Group,Pensions Department, New Century House,
Barbara Hammond, West Yorkshire
Manchester, M60 4ES.
We look forward to receiving them!
Thanks Barbara. Are there any readers out there who do anyvoluntary work? If so we would like to hear from you.
evergreen winter 2008 28/7/09 11:04 am Page 6
The Co-operative Groupacquires Somerfield
In the summer, The Co-operative Group exchanged contractsto acquire the Somerfield business for £1.565bn, subject toclearance by the Office of Fair Trading.
The OFT has now concluded its initial review of the proposedacquisition and has confirmed there are no national competition issues raised by the deal. The OFT has indicated
Chief Executive Peter Marks joined Simon Cowell and other celebs to
that there are a number of local areas in the UK where the
judge the Pride of Britain awards.
transaction would probably result in a significant lessening of
sponsors The Daily
‘This is excellent news,' said Peter Marks, Chief Executive,‘as it clears the way for the acquisition to proceed, subject to
Mirror's ‘Pride of
agreeing with the OFT a suitable package of store disposals(Somerfield or our own) to address the local competition
issues. In brief, this brings completion of the deal a massivestep closer.
Representatives from The Co-operative Group attended the Pride of Britain awards
‘I am confident that together we can make the most of this
in London last month. Chief Executive
fantastic opportunity to continue the renaissance of The
Peter Marks, who also sat on the awards
Co-operative Group. This is a tremendous deal which once
judging panel (pictured) said, ‘From a
completed will propel our business into the premier league
business point of view, the awards are a
of food retailing in the UK.'
fantastic chance to showcase our brand and start building public recognition before
The combined food business will
next year's launch.'
operate more than 3,000 grocery storesand generate net sales of about £8bn,
As part of the awards sponsorship, the Group also
making it a market leader in
launched our own quest to find our own Co-operative
convenience food retailing and the
community heroes. A total of 11 employee winners
fifth largest food retailer in the UK with
from throughout the business each claimed a Pride
a market share of approximately eight
of The Co-operative Award for their contribution
to their local community, winning tickets to the main Pride of Britain awards.
Help with rent and Council Tax bills
From October 2008, it will be easier and simpler to make
• No claim forms to complete and return.
claims for credit. Customers phoning The Pension Service
• No supplementary forms for children or non-dependants -
to claim Pension Credit will be able to claim Housing
this information will be gathered during the phone call.
Benefit/Council Tax Benefit (HB/CTB) at the same time.
• No need to forward a claim to the local authority - The
The Pension Service will take the claim information and
Pension Service will do it automatically, even if Pension Credit
pass it directly to the appropriate local authority for
is not awarded.
• Customers only need to provide information and evidenceonce.
The benefits• A simple, easy process – one phone call to claim four
For more information call the freephone helpline on
evergreen winter 2008 28/7/09 11:04 am Page 7
PACE - your award winning pensionscheme!
CFS named Company of
Congratulations to our colleagues in Group Pensions after
once again being recognised for their professionalism at theannual Pension Scheme of the Year Awards.
The Co-operative Financial Services has been named
Hosted by Professional Pensions magazine, the leading UK
‘Company of the Year' by Business in the Community (BitC).
pensions industry publication, these awards recogniseschemes which show the highest levels of service to
‘This is a tremendous achievement, of which all colleagues
members. PACE was short-listed in five categories - and
can be proud,' commented David Anderson, Chief Executive,
won the following three awards!
on picking up the award. ‘In what was a difficult year, weremained resolutely committed to our social and
• Best In-House Administration
environmental responsibilities; celebrating the 15th
• Trustee Development Award
anniversary of the Bank's ground breaking Ethical Policy,
• Pensioner Communications
committing to ring fence investment of £400m to supportrenewable energy initiatives and £25m to further develop
The communications award recognised the value of
our presence in the Microfinance sector, in order to support
small enterprises in the developing world.'
GREEN magazine which is sent to more than 40,000
Group pensioners twice a year and is produced internally in partnership with our Corporate Communications team.
At the same ceremony, The Co-operative Group, picked up the International Climate Change Award, in recognition of the
Well done to the Group Pensions team and the PACE Trustees
fantastic work undertaken by the whole Group, including The
on this fantastic achievement. This team has won 18 top
Co-operative Financial Services, and our commitment to
awards in the last five years.
leading the way on tackling climate change.
Good with Food roadshow
- simply the best!
This summer's Arts & Crafts
This summer, retired employees jumped on the Good with
exhibition was a great success,
Food roadshow as it toured the country's big county shows.
with more than 150 exhibits.
The award-winning show boasted a range of activities
The most popular categories
including information on healthy eating, a small Co-operative
this year were Paintings &
Food shop and celebrity chef cookery demonstrations.
Drawings, followed byPhotography & Needlework.
Retired employees made a valued contribution as ever, evenwinning the prize for Overall Best Exhibit for Anne Machen -retired CIS employee, for her ‘Wedding' cross-stitch submission. Other prizes went to Eileen Craig, a retiredemployee from Retail Buying, who won both the Colour andBlack and White Photography and Special Award went toretired Group employee Ray Watts for his matchstick boat andretired Group employee Andy Swanson (ex Irlam Soap Works)for his personalised stamp exhibits. Brian Green, PensionerWelfare Manager, also won a prize in the Colour Photographycategory (pictured)!
evergreen winter 2008 28/7/09 11:05 am Page 8
60 years in the jobmakes for successfulcareers
Two employees have both celebrated an incredible 60 yearslong service this summer.
Winnie Johnston (pictured) from The Co-operative Pharmacy in Belfast joined as a 16-year-old in 1948. Now, aged 76,she still works every weekday, 25 hours each week, as a pharmacy assistant at Belfast's Main Street outlet.
‘I love working in the pharmacy,' said Winnie. ‘Every day Ienjoy coming to work, being part of the team and meeting the
brings businesses under
customers. I've got no plans to retire just yet.'
John Hush, 76, from The Co-operative Funeralcare in Berwick-upon-Tweed, celebrated his anniversary, after started
The Co-operative in Peacehaven, near Brighton, has
his working life as an apprentice joiner in 1948 for the
re-opened after a £3m transformation, combining Food,
‘Tweedside Industrial Co-operative Society'.
Travel, Pharmacy and Banking all under one roof for the firsttime. The flagship store has been refitted to new brand standards and will also include a new Fairtrade espresso bar;an improved deli; a bakery; four new self-service tills and a clothing range by Peacocks.
Many of the family of businesses will be represented. The Co-operative Pharmacy will include a private consulting areaand, for the firsttime in a Co-operative Food store, an in-store Co-operative
Bank advisor will be on-hand to
introduce customers to the new
banking facilities. It will also be the
first time that The Co-operative
Travel has been located in the town.
United Co-operatives -
the biggest merger in
the history of the
Winnie Johnston gets a well-deserved round of applause from her colleagues (l to r) John Stevenson, Dana McBride, Kathy Fitzpatrick,
Natalie McKelvey and Paul Nightingale.
three million barrier
Retired banking executive David Dickman, who spent hiswhole professional career spanning nearly 44 years with The
Membership of The Co-operative Group has smashed through
Co-operative Group and The Co-operative Bank, has been
the three million barrier.
awarded an honorary degree by Salford University.
Patrick Allen, Director of Marketing, said: ‘The growth in
David's links with the university
membership underlines the fact that The Co-operative is
stretch back to the mid 1960's
enjoying a renaissance. People are trying out our new look
when he was studying for his
stores and they obviously like what they see.
banking qualifications. In hisacceptance speech, David said:
‘The combination of high quality products coupled with the
‘Having had a successful,
ability to influence our business, and contribute to our
rewarding and varied career,
community and social goals agenda, are compelling reasons
this honour really is the ‘icing
to join the award-winning Co-operative.'
on the cake'.
evergreen winter 2008 28/7/09 11:05 am Page 9
Group has committed
to reducing carrier
by May 2009.
• Making all own-brand hot beverages Fairtrade.
The Co-operative Group continues
• Launching lightweight glass with the world's lightest whisky
to lead the way amongst retailers
in the development of an ethical
• Introducing ‘naked' cucumbers - whole cucumbers strippedof their plastic wrapping.
brand. EverGREEN rounds up some of the developments of the last
First to roll out recycled plastic bottles
The Co-operative Group has become the first retailer in the UKto roll out 100% rPET (recycled polyethylene terephthalate)plastic bottles across its entire own-brand range of carbonated
Food Ethical Policy highlights
drinks and mixers. Together with the rPET in its own-label330ml sportcap juice drinks, the move will reduce CO2
priorities for action
emissions by 1,212 tonnes and save 808 tonnes of new
Last year, after a six-month consultation with members and
plastic from being made per annum - equivalent to the weight
customers on the development of a Food Ethical Policy, The
of 180 African elephants!
Co-operative Group launched the world's largest consumer pollon ethics. More than 100,000 members across the UK
Responsible sourcing for own brand fish range
responded to the poll. As well as providing a mandate for The
The Co-operative Group has launched a new Responsible Fish
Co-operative's existing policies, members highlighted their
Sourcing Policy, which means that every own-brand fish or
future priorities for action: ethical trading, animal welfare and
product containing fish, including canned and sandwiches, has
been rigorously checked to ensure it is responsibly sourced.
As a result, The Co-operative has introduced a range of
To mark the launch of the new range, The Group is pledging
initiatives to tackle these key areas of concern, including:
£200,000 support over two years to UK fisheries looking to
pursue Marine Stewardship Council (MSC) certification.
Stopping the sale of eggs from caged hens. The
The funding will help support fisheries that might otherwise
Co-operative has also committed to going free-range on all own
struggle to fund the MSC certification process, which allows
label products containing egg by 2010.
them to be recognised as well managed and sustainable.
• Launching an own-label eco cleaning range - the only brandin the UK to carry both the EU's Eco Flower and the BUAV
The Group's new range of responsibly sourced fish, which
‘Cruelty Free' logos (pictured top).
includes 30 brand new fish lines, has been developed through
evergreen winter 2008 28/7/09 11:05 am Page 10
New pet food range goes ‘freefrom' The Co-operative Group is rolling out its ‘Good with Food' message to our furry friends with a redeveloped own-brandpetfood range that's totally free from artificial colours andflavours.
Every single product in the range - be it economy, standard orpremium - will be made using ‘clean' ingredients.
a detailed checklist. It takes into account environmental and
Packaging for the newly developed products required some
ecological issues such as over-fishing, illegal fishing, bycatch,
‘co-operation' from some photogenic fluffy friends and, after a
fishing methods that destroy the seabed, and the effect on
lengthy internal casting process, the on-pack photography
other fish species, marine animals and birds. It also includes
‘models' were selected from cats and dogs belonging to
farmed fish, which has to be sourced from farms working to
members of The Co-operative's head office buying team. The
agreed farm assurance standards.
stars include Milo, a one-year-old Rhodesian Ridgeback whobelongs to Helen Cave, Category Buyer
Debbie Robinson, Director of Food Retail Marketing at The
for Health & Beauty at The Co-operative
Co-operative, said: ‘As a responsible retailer, we have to
and features on the new packaging
address the fact that dwindling stocks and poor fishing
for the core dry dog food.
practices are real concerns. Our pledge to fund new UK
fisheries through the MSC certification process demonstrates
of the new pet food
our support for the development of a sustainable UK fishing
industry, and our commitment to providing new and exciting
responsibly sourced fish products to our customers.'
First retailer to switch cards to FSCThis Christmas, for the first time, The Co-operative's entirerange of own-brand boxed charity Christmas cards will be FSC-accredited. The Group is the first retailer to offer this across afull range, and it's the first to include gift tags and gift wrap inthe range. The standard, from the Forest Stewardship Council,guarantees the paper is sourced from well-managed forests,and is already in place for our own brand toilet tissue.
Travel Ethical Strategy offersfree carbon offset for members
To be entered into the free prize draw, simply sendyour name and address and whether you have a cat or
Members booking a holiday with The Co-operative Travel can
a dog to to The Co-operative Group, Pensions
now receive FREE carbon offset for their flights. It's thanks to a
Department, PO Box 53, New Century House,
bold new strategy that also sees the business become the first
Manchester, M4 8BH by Monday 5 January 2009.
major travel retailer in the UK to reject the building of theplanned third runway at Heathrow.
The business has also pledged to ensure the carbon neutrality
Mike Greenacre, Managing Director, The Co-operative Travel
of its business operations; encourage every customer to make
explained, ‘Within Travel we sell over three million holidays a
a £1 donation to the Travel Foundation (a charity that supports
year and this in itself could be seen to conflict with The Group's
sustainable tourism projects); fund two research projects with
Social and Ethical goals. So, in
Forum for the Future; and fund solar photovoltaic energy
consultation with our experts, we felt
systems at a school in each of its 18 trading areas in the
we needed to address how to balance
coming year as part of The Co-operative Group's Green Energy
our commercial goals with the
for Schools campaign.
Society's overall values and principles
- the result of this process is our
‘The travel industry is only just waking up to its ethical
new Ethical Strategy, which supports
responsibilities and once again, we're leading by example,'
responsible and sustainable
added Mike. ‘This Ethical Strategy will continue over the
coming years in consultation with our members - this is onlythe beginning!'
evergreen winter 2008 28/7/09 11:05 am Page 11
REA news round-up
In EverGREEN's regular pages dedicated to our RetiredEmployee Associations, Pensioner Welfare Manager Brian Green reflects on the work that goes on around the country.
to friends old and new
Retirement is a wonderful experience. All the time in the world
‘Newcomers are welcome at our
to do all those things you dreamed about while you were atwork. Idealistic in a lot of ways, and true for some people but,
informal meeting on 10 December
for others, retirement can be the loneliest time in their lives,
when there will be a buffet, quiz
especially if you lose your partner.
and bran tub.'
During the summer I visited all of our 22 Retired Employee
Associations and was made very welcome at all of them. TheSociety has a long history of supporting its staff, both in
All the Retired Employee Associations also hold a Christmas
employment and in retirement. The Retired Employee
lunch; they are the best-attended events of the year and prob-
Associations are all subsidised by the Society.
ably the most important. It is a time of goodwill, a time tomeet people you would not normally see, a time to renew
Each is run by a voluntary committee and all offer a variety of
friendships and wish people a happy Christmas and all the
activities ranging from speakers, visits to the theatre, day or
best for the New Year.
weekend trips and even a full week's holiday (see the advertsfrom the Mansfield and Nottingham Branches).
The opportunities are there for all our retired staff and theirfamilies to meet up with their ex-colleagues and enjoy the
Just to give you a few examples, Northampton has a coffee
friendships that working for the Society brought. Why not take
morning every Friday where old friends meet whilst shopping
advantage and visit your local Retired Employee Association?
in the town as well as well-attended monthly meetings; the
All the secretaries are listed here.
North East pensioners have more trips than I have room to list;Hull met up with the Guild in their area and had a joint holidayon the Norfolk Broads; the group in Sheffield have visited thelocal speedway and are planning a weekend in Dublin; and,recently, the Medway and Dartford Branches got together tovisit the summer show in Margate.
Members of South Yorkshire and Midlands REA.
"‘Where are they now,all the lads and
lasses who worked at Co-op Groupsin this area? Come and join us!'South Yorkshire & North Midlands
evergreen winter 2008 28/7/09 11:05 am Page 12
‘We would be glad to welcome anyretired members of the Co-operative
Society and can assure them of
Treasurer Mrs Barbara Hammond,
enjoying our various speakers.'
Cambridge & District Co-operative Society Retirement
Chairman Mr Bob Cole, Tel 01323 897035
"BRISTOL & SOUTH WESTSecretary Mr George Lewis,Tel 0117 924 3102
Secretary Mr Cliff Lewis, Tel 0117 951 7779
CAMBRIDGE & DISTRICT CO-OPERATIVE SOCIETY
Secretary Margaret Hoskins, Tel 01223 840259
CO-OPERATIVE COLLEAGUES ASSOCIATION (WIRRAL)
Secretary Dorothea Keelan, 30, Tel 0151 677 7352
Hull REA and colleagues from Barnsley and Manchester at Queen StreetMill in Burnley.
Secretary Jean Boon, Tel 01322 664178
ENFIELD & ST ALBANS
Secretary Mrs Jean Bigg, Tel 01992 710629
Secretary Mr Ted Perfect, Tel 0115 939 0562
Secretary Mrs K Morris, Tel 01623 484683
Mansfield and Nottingham REA
Secretary Mr John Rhodes,
17 September - 21 September 2009
Tel 07921 235 416
The Cliffe Hotel, Tenby
LONDON AREA RETIRED CO-OP FRIENDS
From £259 per person
Secretary Miss Pamela Board, Tel 0208 5550136
Contact Kath Morris 01623 484683 for further details
Secretary Mr Don Powell,
Celebrate Christmas 2009 with your friends at a Turkey
and Tinsel holiday
23 November - 27 November 2009
Secretary Mr John Anley, Tel 01582 612939 or
The Admiral Hotel, Ostend
From £194 per person
CO-OPERATIVE RETIRED EMPLO
Contact Kath Morris 01623 484683 for further details
Secretary Mr Harold Linton,
Tel 0161 827 6667
(Monday and Thursday only).
21 June - 26 June 2009Valkenburg, Holland
Bed and Breakfast
Secretary Mrs Barbara Harridge, Tel 01634 400849
From £299 per person with a single supplement of
£39 Contact Kath Morris 01623 484683 for further
Secretary Mrs Lydia Humphrey
, Tel 0191 410 4947
RACS (ROYAL ARSENAL)
Secretary Miss Joyce Tipper, Tel 0208 8600526
Hull REAChristmas Lunch
The Octagon, Walker Street
Secretary Miss Betty Davis, Tel 01604 758079
12 December - 2008
SOUTH YORKSHIRE & NORTH MIDLANDS
All pensioners and ex-employees by prior booking and
Secretary Dave Herbert, Tel Dave 01709 540441
or Roy Rich 01709 863514
Choice of menu and other details from the Secretary,
John Rhodes 07921 235416
evergreen winter 2008 28/7/09 11:05 am Page 13
Happy 100th Birthday to Grace
Nellis who celebrated her special
Evelyn Evans celebrated her
day on 23 April 2008. Grace held
100th Birthday on 12 March
an open house and her family and
2008 with a party with friends
friends joined her in celebrating
and family. Evelyn had a very
this special day.
Congratulations Mary Siddallwho celebrated her 100th
Birthday on 24 June 2008.
Happy 100th Birthday to William
Mary had an enjoyable day
Just on 13 March 2008. William
having lunch with her family
held a party in the village pub
at the local pub.
with family and friends.
Everybody enjoyed Fish and
Congratulations to Mabel Powell
Chips for lunch which was at
who celebrated her 100th Birthday
on 6 October 2008. A surprise
party with 85 guests was held at
the Cresta Court Hotel in
Annie Davison who
Altrincham Cheshire. Mabel
celebrated her 100th
enjoyed her special day.
Birthday on 27 March2008. Annie celebratedthis special day withfamily and friends.
Bessie Lee (or Bette as she was
Sidney Watson who
known to her friends) celebrated
celebrated his 100th
her 100th birthday on 17
Birthday on 14 April
September in the company of
her daughter and son in law,
Linda and John White, and staff and residents at the White House, Letchworth.
Margaret McMillan celebratedher 100th Birthday on 18 April
50 Years Usdaw Membership
2008. Although Margaret was
unexpectedly taken into hospital,
Harry and Rhoda Kell
she was able to enjoy the great
day as the staff of the Larkfield
North Eastern REA
unit of Inverclyde Royal were
able to assist.
50 years membershipof USDAW this year.
evergreen winter 2008 28/7/09 11:05 am Page 14
Percy and Betty Davies celebrated their DiamondWedding Anniversary onSeptember 25th 2008. BothPercy and Betty commencedtheir careers with the WalsallSociety. Percy in theMenswear department andBetty in the office. During the
war, Percy served 5 years inthe R.A.F. and Betty 3 years
Percy and Betty Davies
in the A.T.S.
Wilfred and Mary Wilsher
celebrated their DiamondWedding on 15 May 2008.
Wilf joined the CIS in April1964 and retired in October1991. They enjoyed a wonderful couple of days -their children did themproud. They took familyand friends for lunch onthe Saturday and enjoyeda garden party on the
Wilfred and Mary Wilsher
Congratulations toThomas and DoreenBirch who celebrated
Raymond and Ada Inskipp
their Golden WeddingAnniversary on 19 July.
Raymond and Ada Inskipp
They had a wonderful
celebrated their Golden Wedding
on 26 October 2007. Their
celebrated their special
children and a friend, Tom Scott,
day in Scotland with
organised a wonderful surprise
friends who celebrated
party for them. Ray worked at
their 40th Anniversary
the Shoe Repair Factory from
in March. They also
14 years old and was a Manager
celebrated with a lovely
when it closed. Ray and Tom
meal with family.
Scott worked together at the
Thomas and Doreen Birch
factory for 45 years.
Ernie and Muriel Wood celebrated their Diamond WeddingAnniversary on 14 August 2008 with Sunday lunch for family
Congratulations to Kathleen and
and friends at the Royal Chace Hotel in Enfield. A wonderful
Eric Geddes who celebrated their
day. Ernie was the
special day Golden Wedding
Anniversary on 26 March 2008.
They were joined by family and
Co-op for 16 years
had a wonderful day.
and retired in 1987.
Kathleen and Eric Geddes
John and Doris Foxford celebrated theirDiamond Wedding Anniversary on 19 June2008 at home and at the Bristol REA meeting, Wicklea Community Centre, with a surprise celebration cake. John wasemployed by the Bristol Co-operative Society's Bakery Department as Head of Confectionery cake decorating department.
Doris was a shorthand typist in the
Ernie and Muriel Wood
General Office at Fairfax House.
John and Doris Foxford
evergreen winter 2008 28/7/09 11:05 am Page 15
With slavish adherence to tradition, many houses will hold no
Twinkly lights, glittering
surprises on the big day. Dinner will involve a juicy roast turkey,crisp roast potatoes, and the best seasonal vegetables - buttery
decorations and jubilant
brussel sprouts, sweet honey roasted parsnips, and tender red cabbage slowly braised with apples and spices, and a rich marsala
gatherings herald the start
gravy. All followed by the best heavily fruited, alcohol soaked,flaming Christmas pudding, with thick pouring cream and brandybutter. For those who want something different, a slice of intensely
of the celebration season.
rich, chocolately yule log always goes down well or try the newTruly Irresistible Berry Bliss dessert.
EverGREEN welcomes The
Although the month culminates in the great Christmas dinner,December celebrates a collection of great culinary traditions and is brimming with other eating occasions; Christmas Eve supper, a
luxurious Christmas day breakfast, the great Boxing Day spread,lazy holiday brunches, late suppers for family and friends, and
Carla Mills to tempt you
New Year's parties. And as the month also brings us more freshand bright foods, don't let the Christmas dinner planning
with the delicious
overshadow the other gorgeous treats.
delights of Christmas.
A traditional stocking filler, tangy clementines are a favourite
delights of Christmas.
December treat to brighten up the dark days of winter. Their brilliant orange flesh, juicy and sweet, makes the perfect healthysnack or delicious dessert served warmed in a caramel sauce withice-cream. They are also great for winter salads, with sliced fennel,rocket, crumbled cheese and a few black olives. Another magicalingredient of Christmas, ruby red cranberries, are delicious cookedwith sugar and spices for a classic sauce or compote to accompany turkey and other cold meats, but are equally goodserved as a dessert; warmed with sugar, vanilla and orange zestand poured over vanilla ice-cream and warm pancakes.
Dried fruit and nuts make more of an appearance during December- warm sugar-crusted mince pies, a dark, damp Christmas cakeand, of course, the aforementioned pudding. But they are also stars in their own right, served on their own. Gorgeously sticky andfudge-like, dates make the perfect end to a meal but are also great for moist tea breads and steamed puddings.
Richly indulgent, this is the most satisfying month for tasty treats.
Christmas food should be luxurious, sumptious and festive; so welcome in the season, and enjoy a delicious taste of December.
evergreen winter 2008 28/7/09 11:06 am Page 16
Christmas cheerBeverages expert Vicky Wood rounds up thebest drinks to celebrate the season.
Christmas is a time for celebration and what better way to celebrate than to crack open a bottle of
The Co-operative's new Fairtrade Cape Sparkling
Brut? This comes from the same winery as our
other Fairtrade Cape wines so the Fairtrade
premium goes back to the same fantastic community projects in the Western Cape of SouthAfrica. It has aromas of citrus and a smooth
biscuity palate and is perfect as an aperitif.
If bubbles aren't your thing, try one of our exclusive
Christmas half price wine deals. The Otterbrook Mill
Chardonnay and Shiraz are a brilliant pair
Beech and Oakwood
from Australia which are both typical of their
grape varieties and are reduced from £7.99
the perfect light
Also repeated from last year is the ever
popular Spy Mountain Marlborough
Sauvignon Blanc, this is a dry, crisp
wine from New Zealand, packed with
flavours of gooseberry and lemons
and a must for Christmas day.
Reduced from £9.99 to £5.99.
All deals valid from 17/11/08 to 31/12/08
WIN a FREE bottle
of Fairtrade wine!EverGREEN has six bottles of Co-operative Fairtrade wine to
give away. To be in with a chance of winning one, simply
send your name and address to ‘Christmas Cheer
Competition' at The Co-operative Group, Pensions
Department, PO Box 53, New Century House,
Manchester, M4 8BH by 19 December:
Get down to your local The Co-operative Food store to check out the best the season has to offer!
evergreen winter 2008 28/7/09 11:07 am Page 17
life will benefit from it.It follows a strict order of priority applied
to the specific family situation. The family cannot control who administers the Estate and who benefits, potentially leading todisputes. The Rules of Intestacy do not cater for charities,friends, indirect family members and unmarried cohabitees,so they will miss out.
The consequences of having an
unsuitable WillMany changes in family situations and circumstances can render the Will inappropriate. These could include, the death ofpeople already named in the Will, a significant change inassets, or changes in legislation relating to taxation, in
planning particular Inheritance and Capital Gains Tax.As a result,many
people die with a Will which no longer caters for their currentwishes.
We'd all like to think we've done all we can to ensure future
If you think any of the statements below apply to you, or if you
provision is made for our loved ones and families after we're
are in any doubt, then it is worth writing a Will or reviewing
gone. But how do you ensure that your property, savings and
your existing one to ensure that it caters for your specific
significant assets go to those you wish and how do you
guarantee who will administer your Estate when you are gone?All of this may seem complicated after all, you're right as rain
• I wish to specifically nominate or change Executors and who
now, aren't you? However this is one of those small jobs that
will benefit from my Estate on the event of my death
should not be put off. Currently over 70% of adults in the UK
• I wish to leave specific gifts or items to friends, charities,
have no Will, and many have unsuitable Wills, which means
pets, unmarried partners or other distant relatives
that their specific wishes are not taken into account should
• The family situation has changed, including (re) marriage,
they pass away.
civil partnership, divorce, cohabitation, new children,stepchildren or grandchildren, children reaching the age of 18,
The consequences of having no Will
death of a spouse or a family member
• I wish to put aside specific assets for (grand)children and
When you die without a Will, your closest surviving relative -
appoint adults to look after it on their behalf
whether it's your other half or your children - gets everything,
• I wish to make clear my wishes in terms of funeral
right? Not necessarily.
arrangements• I have substantial assets in my own name
If you die intestate, the Rules of Intestacy laid out by the
• I wrote a nil rate band Discretionary Trust Will before
government dictate who will administer the Estate and who
changes in government legislation in October 2007.
When someone dies
If you have recently experienced bereavement and
A 15% discount on standard Wills for single people
need advice on what to do, what Probate is and
and couples is available to all EverGREEN readers
whether it applies to the Estate of the deceased,
from The Co-operative Legal Services. If you would
call us on 0845 603 7160.
like to find out more ring us on 0845 600 5207.
evergreen winter 2008 28/7/09 11:07 am Page 18
From medicine checks to a prescription collection service, there are manyways your local Co-operative Pharmacy can help prepare you for the coldmonths as winter approaches. EverGREEN investigates…
Our pharmacies run a free Prescription Collection Service to
During a Medicines Check would be an ideal time to ask your
their local surgeries. This means that you can drop your repeat
pharmacist for advice on any winter remedies that may help
prescription off at your pharmacy, they will take it to your
you through the colder months. There are some excellent
surgery and collect it when it is ready and have it waiting for
vitamins available in The Co-operative Pharmacy which the
you. Most of our pharmacies also run a delivery service - please
maturing body needs on the run up to winter. Ask your
ask any member of our pharmacy team at your nearest
Co-operative Pharmacist for advice on which vitamins and
Co-operative Pharmacy for further information on this service.
minerals are best for you. Ladies in particular should be considering supplements for bone strength to help prevent
Are you getting the most out of your medication? Since the
Osteoporosis. Cod Liver Oil capsules are great to improve
implementation of the Pharmacy Contract in 2005, pharmacies
joint movement in people of any age. Many people benefit from
that have Consultation Rooms and Accredited Pharmacists
taking a tonic daily - Metatone seems to be particularly good
(our aim is to have both in the majority of our pharmacies)
after a bout of illness to re-juvenate yourself.
can perform annual Medicines Check. If you haven't beenapproached already by one of our keen pharmacists, this
Remember that our pharmacists can be the first port of call for
review is nothing to be worried about and our pharmacists
any of your Minor Ailments. A lot of our pharmacies are enrolled
enjoy nothing more than spending some quality time with their
in a local Minor Ailments Scheme so you would be able to
access cough, cold remedies, simple pain relief and muchmore through the scheme. The beauty of this scheme is that
To be eligible for one of these you have to have had your
if you don't pay for prescriptions then this scheme is free.
prescription dispensed at the same pharmacy for at least three
Unfortunately, this scheme isn't available in all areas yet but the
months, the pharmacy has to have a Consultation Room and a
Government has plans to roll it out nationwide. Check if your
trained (accredited) pharmacist. The review is quite basic but
local Co-operative Pharmacy is already accredited to do this.
can be very helpful. The pharmacist will cover things like; How
and when you take your medication, what
you take your medication for, if
you have noticed any side
£1off Night Nurse
effects and if you have any
concerns about your
Offer can only be redeemed with this voucher. Offer is valid from 12/11/08
to 02/01/09 and is subject to availability. Cannot be used in conjunctionwith any other offer, discount or promotion. This voucher cannot beredeemed for cash and is valid for one use only. No cash alternative isavailable and only one voucher can be used per transaction. Photocopies,
It should take about 15
defaced or damaged vouchers will not be accepted.
Colds and flu are viral infections that
minutes and, as experts in
TO THE TILL OPERATOR:For branches with EPOS: Scan the product and then the barcode on this
can't be treated with antibiotics*
medication, your pharmacist
voucher to trigger the offer price. For branches with manual tills: Enter the
should have some helpful
full transaction onto your till, press subtotal, enter the value of the voucherand press the coupon button to deduct this from the total. Submit the
advice. Numerous patients
vouchers in the normal way. The Co-operative Pharmacy, Sandbrook Park,Sandbrook Way, Rochdale OL121 1RY. The Co-operative Pharmacy is part
have found this time with our
of The Co-operative Group and is a trading style of
pharmacists invaluable with helping them
National Co-operative Chemists Ltd, Sandbrook Park,Sandbrook Way, Rochdale OL11 1RY.
with queries about their medication.
*Associated symptoms may be treated with antibiotics.
To find your nearest Co-operative Pharmacy, visit www.co-operative.co.uk/pharmacy
evergreen winter 2008 28/7/09 11:07 am Page 19
don't be caught out
Every year an estimated threemillion of us fall victim toscams sent by post, email, text,the phone and internet, costingconsumers £3.5 billion a year.
EverGREEN exposes the risks offinancial crime and looks atways to protect yourself thisChristmas.
From bogus lotteries and investments to deceptive prize draws,
help them get money out of a foreign country in return for a
and from fake psychics to ‘miracle' health cures, scams can
large sum of money and may ask for a ‘advance fee' to cover
take advantage of particularly vulnerable older people.
insurance before the funds can be released.
The Office of Fair Trading (OFT) has recently taken action to
Avoid scams offering money guaranteed solely on
ban many unfair sales practices and tighten controls on
signing up new members. Pyramid selling and free gift
traders, but mass-marketed scams remain to exist and
schemes claim to award you large amounts of money or ‘hi
consumers continue to fall victim.
tech gifts' by recruiting new members. The most likelyapproach may be an advert or even a personal approach from
The OFT advice to those that receive a possible scam offer
a friend who has been taken in. The likelihood that you will
is: ‘Stop, think, and think again'. Be sceptical and do not be
receive your award is very slim.
rushed into sending off money to someone you do not know.
A scam scheme is designed to con you out of your cash and
Get independent financial advice before making an
there are scams out there for everyone. If you let down your
investment in what looks like a golden opportunity,
guard then you too could become a victim.
remember if it looks too good to be true, it probably is. Offersfor ‘rare' high value items like fine wine and gem stones that
So how can I protect myself?
usually come with a ‘promise' to rocket in value but are often
There's value in information. Never give your bank details
dealing from traders not authorised by the Financial Services
to people you don't know. Fraudsters will use the information
Authority therefore making if difficult for you to get your
to empty your bank account. Alternatively they will ask you to
money back when things go wrong.
‘Remember if it looks too good to betrue, it probably is'.
evergreen winter 2008 28/7/09 11:07 am Page 20
‘Protect your PIN
Top tips for saferspending this
at entry by shielding
with your hand and
In the run up to Christmas you may find yourself using yourplastic cards more regularly. This can provide thieves with a range of opportunities. If you are rushed, tired and
ensuring no one is
stressed you might not be as on your guard as usual.
Fraud can happen both while out shopping and in buyingover the phone or internet. By following a few simple steps
looking over your
while you're out Christmas shopping, you can cut the risk of it happening to you.
Take as much care of your card as you would your cash.
Don't let your card out of your sight when making a transaction and protect your PIN at entry by shielding with
Don't be intimidated into replying to direct
your hand and ensuring no one is looking over your
unsolicited mail and consider registering for the Mailing
Preference Service. Common types of unexpected letters arefrom so-called psychics promising life changing predictions
When shopping online, try to use reputable merchants and
for a fee, Promises for miracle health cures or a
look for the security lock. Speak with your bank about
‘Congratulations' headed letter claiming you have win a
added security services such as verified by visa that
lottery of sweepstake without having entered.
protect you from the risks of internet fraud.
Be suspicious of advertisements offering paid work
Ask the retailer to confirm the amount being debited from
from home most make exaggerated claims about potential
earnings and will require money upfront for materials. It'sunlikely you receive these materials or get paid for the work
Don't use a cash machine that looks odd or tampered
you do. The ad's can be found in local newspapers, on lamp
Be wary of possible devices or cameras fixed to steal
posts or on the web.
your PIN and the information on your card so that the criminals can go shopping with a copy of your card while
Never send money to someone you don't know
you are left unaware.
however plausible they sound. A dream come true whenyou find a new love through an online dating site. After a few
Carefully discard your receipts from card transactions.
months they tell you they live abroad and require money for a
Shred all your receipts and documents that contain your
flight to visit you. You help your friend only to find they
disappear with your cash.
Check your receipts against your statements carefully. If you find an unfamiliar transaction contact your bank immediately.
Don't leave your cards unattended in a bag, briefcase or
jacket pocket in a public place or while you are having a
well earned rest and cup of coffee, consider the use of a
money belt to keep your valuables close to hand.
Park your car in a well lit, busy public place, time will fly
whilst your shopping and the close evenings could leave
r you unstuck.
If you do lose your card,
report it immediately to help
prevent it being used fraudulently by the wrong hands.
evergreen winter 2008 28/7/09 11:07 am Page 21
Let a coach tour take you to the treasures of Europe without lifting a finger
in comfort and company
Sometimes, we can be so busy haring around the world seeing
A Co-operative Travel coach holiday takes you to the best of the
all the sights we're told to see that we forget all the wonders
British Isles, driving you in company and comfort to places that
on offer without leaving these shores.
would take hours to reach on your own.
Sometimes, we're in such a hurry to get to the airport that we
You can tour Ireland from north to south without worrying about
forget you can go on holiday without the expense and carbon
getting lost. You can visit the Scottish Highlands and enjoy a
emissions of flying overseas.
wee dram at every stop on the way. You can even visit thestarkly beautiful islands of the Hebrides, Shetlands and
And sometimes, we're so concerned with being independent
Orkneys, exploring places barely touched by the modern world.
that we forget half the fun of a holiday is sharing it with others.
And you can visit the inaccessible treasures of England, delving
Going away doesn't have to mean going abroad. A relaxing
deep into our country's long and storied history while letting
holiday can begin on your own doorstep. And you don't have
someone else do all the driving.
to get in a car and puzzle your way through a maze of B-roadsto find out-of-the-way delights.
The old-fashioned charabanc shuttling families to the seasideduring Factory Fortnight is nothing like today's coach holidays.
Modern, air-conditioned comfortable coaches mean that evenlong journeys are pleasant, sociable experiences.
Choose whether you're picked up at the coach station, at oneof many pick-up points or even at your own front door. You
won't see your bags until they're delivered to your hotel room.
Or if you haven't got time for the drive or the ferry, you can fly
mean that even long
straight to your destination and meet the coach as the holidaybegins. Either way you'll enjoy a break in the company of like-minded people, and there couldn't be a more eco-friendly
journeys are pleasant,
way of seeing the sights.
There's no end of variety; city breaks, trips to the coast and
Terms & Conditions for British offer: Holidays are available from Shearings Holidays UK & Ireland January - December 2009 brochure and are subject to availability and terms &
conditions of Shearings Holidays Trading Charter. Offers are valid for new bookings only made between 03/11/08 and 31/01/09 and are not available in conjunction with any other offer.
Shearings Holidays reserve the right to withdraw offers/promotions at any time and without prior notice. Details correct at time of going to press.
evergreen winter 2008 28/7/09 11:07 am Page 22
tours of spectacular mountain ranges are all available. Visits tothe Emerald Isle are enduringly popular, both for the beauty ofthe landscape and the traditional warm Irish welcome.
The 100-mile circular tour of the Ring of Kerry is a favourite,taking in stunning seascapes and soaring mountains as itencompasses the Atlantic Ocean, the breathtaking Gap ofDunloe and the Torc Waterfall. Along the way there's Waterville,a favourite holiday retreat of Charlie Chaplin, Ladies View, sonamed because Queen Victoria's ladies-in-waiting admired thescenery from this spot on their 1861 visit, and the town ofSneem, known as the Knot in the Ring.
You can even combine coach and cruise, going by road to thegreat waterways of Europe - the Rhine, the Moselle, the
Visits to the Ring of Kerry can be combined with days in Dublin,
Danube - then changing to a dedicated river cruise shIp for a
the rose gardens of Tralee, a visit to Waterford Crystal or
leisurely meander through the heart of the continent. See the
kissing the Blarney Stone.
Dutch tulip fields, the Black Forest, the vineyards of Germanyand the palaces of the Russian Tsars from the deck of your
In the north of the country there are trips that take in the
Antrim coast and the hexagonal columns of the Giant'sCauseway, the Glenveagh National Park and 19th-centuryGlenveagh Castle, the home of Ireland's High Kings in CountyMeath, and the countryside immortalised in Yeats's poetry.
a trip to Ireland
If you prefer the magic of the age of steam to the open road,
We've got a pair of seats to give away for a tour of beautiful
there's plenty of choice for you. Rail enthusiasts can enjoy the
Southern Ireland, courtesy of leading coach operator
unique experience of travelling on Northern Ireland's Bushmills
Shearings. The seven-day trip takes in Dublin, medieval
Railway, the many vintage railways in the Isle of Man, the South
Cashel, Killarney, known as ‘the jewel of Ireland', the
Tyndale Railway in the Lake District, the East Lancashire
awe-inspiring Ring of Kerry, and the dramatic Dingle
Railway, the Ffestiniog Railway and the Llanberis Lake Railway.
Peninsula on the Atlantic coast. On the way you'll enjoy
Steam nuts aren't the only enthusiasts catered for, either. There
Irish music and hospitality, shop in traditional market towns,
are coach holidays themed around activities like chess, digital
and explore the busy capital for yourself.
photography, watercolour painting, gardening, fishing, walkingand whist, so you can spend your holiday learning something
The trip should cost hundreds of pounds but is available
new or improving the skills you already have.
for two lucky EverGREEN readers free of charge. Send yourname, address, email and contact telephone number to:
There are Singles Breaks for those who like holidaying in good
Ring Of Kerry Competition, The Co-operative Group
company, and walking breaks, where you can take special
Pensions Department, FREEPOST, PO Box 53, New
comfort in tramping across the hills knowing you'll be met by
Century House, Manchester, M4 8BH. Closing date
your driver at the other end.
Monday 5 January 2009.
Winners will receive two free places on Experience Killarney Holiday by coach or air, departing between April 5 and October 18, 2009. Includes six nights dinner, roomand breakfast, return coach travel or flights, and resorttransfers.
Reader offerThe Co-operative Travel has teamed up with Shearings tobring you two exclusive offers. You can save £20 per person on all British departures next year, or save £50 perperson on all river cruises between May and Septembernext year. Pop into your local branch of The Co-operativeTravel or call 0870 112 0163 and quote code TCG845.
Terms & Conditions for River offer: Holidays are available from Shearings River Cruises brochure and are subject to availability and terms & conditions of Shearings Holidays Trading Charter. Offer is valid on new bookings only made by 31/01/09 for River Cruise holidays that are exclusive to Shearings departing between 05/05/09 and 23/09/09. Offer is not available in
conjunction with any other offer. Shearings Holidays reserve the right to withdraw offers/promotions at any time and without prior notice. Details correct at time of going to press.
evergreen winter 2008 28/7/09 11:07 am Page 23
In the wake of the credit crunch, most of us are probably more in need ofborrowing money than setting any aside for a rainy day. Fortunately, aspart of The Co-operative Group family, you could take advantage of a safeand convenient way to look after your money with The Co-operative CreditUnion. EverGREEN investigates…
A credit union is essentially a savings and loans co-operative.
Why should I think about joining
Members are linked by a ‘common bond', either through an
The Co-operative Credit Union?
association or the community in which they live, e.g Leeds City
The Co-operative Credit Union puts co-operative values such as
Credit Union, or in this case, an employer such as The
self-help, self-responsibility, social responsibility and caring for
others, into practice.
Credit unions are run by members for the benefit of members.
‘Becoming part of a credit union isn't just about convenient
Members save together which forms pool of funds which can
saving and borrowing,' Eleanor Murdoch, Membership
then be lent back to members in a way that encourages
Development Manager told EverGREEN. ‘Members of credit
responsible savings and loans. As a not-for-profit co-operative,
unions help each other - co-operatively. Being part of The
the surplus profits are shared with members by way of a
Co-operative Credit Union means that not only can we provide a
dividend, calculated on what members have saved with the
safe and convenient way to save (via pensions payroll), we can
help members who find themselves in financial difficulties orcannot access affordable credit. For different reasons,
What is The Co-operative Credit Union?
colleagues can find themselves in financial difficulties such as
The Co-operative Credit Union was established in 1998 by a
through poor money management, sickness, unemployment,
group of employees with the support of The Co-operative
etc. Some find it extremely difficult to get affordable credit. If
Group, Co-operative Insurance Society and The Co-operative
someone borrowed £500 from the CCU, repaid over a year it
Bank. Originally membership was only open to employees and
would cost additional £33 in interest (12.7% APR). The same
pensioners in the Greater Manchester area but in 2007 the
loan from Provident would cost an additional £341 in interest
Financial Services Authority approved an extension of the
(183.2% APR). Other lenders, such as cash converters and
‘common bond' to the whole of UK. That means it's now open
pawnbrokers, can charge APRs from 1300 - 10000%!
to all 86,000 staff and 43,000 pensioners and their families.
‘The Co-operative Credit Union gives
The organisation is growing too, and currently has 2,200
colleagues and retired employees access
members. Over the last 10 years, The Co-operative Credit
to affordable credit, and helps them to
Union has helped members to save assets over £1m and, has
get control of their finances and, in many
lent around £9m.
cases, get back in control of their life.'
‘The Co-operative Credit Union is open to all 86,000 staff and43,000 pensioners and their families.'
evergreen winter 2008 28/7/09 11:08 am Page 24
What are the advantages?Convenient and safe - Savings and loan payments are deducted straight from your pay or pension (before it is spent). Unlike hamper firms and unofficial savings or Christmas clubs, Credit Unions are regulated by theFinancial Services Authority and members' savings are protected by the Financial Services Compensation Scheme.
Affordable credit - The Co-operative Credit Union currentlycharges interest on loans at 1% per month on reducing balance (12.7% APR). And, unlike other money lenders,
credit unions are restricted to a maximum of 2% per month(25.4% APR).
Credit Union gives
Free life assurance on savings and loans. That means if amember dies, the loan is paid off and shares are doubled (upto age 70).
Share profits with members - unlike other banks and building societies, there are no external shareholders to
Affordable flexible credit - the average loan is around
£800 - you don't have to commit to huge loans when all youneed is a small amount to manage your finances.
No hidden charges - with no set up or early settlement
fees, members can pay loans off quicker and pay less interest.
and helps them to
Responsible lenders - a credit union will consider a member's capacity to repay a loan because it doesn't want toput a member into a situation of unmanageable debt. This is
get control of their
also because, as a co-operative, it's other members' moneythat is lent out, and this risk must be managed.
For more information, contact:Phone: 0845 6023554 or 0161-827 6983
back in control of
evergreen winter 2008 28/7/09 11:08 am Page 25
of fascia has been
new look height of Mount
As The Co-operative's 2,000th outlet receives the new-look brand, EverGREENtakes a closer look at the largest corporate re-brand in UK corporate history!
‘This year alone we will have transformed more stores than thecombined UK operations ofMcDonalds and Starbucks.'
‘But there's far more to our identity than just the logo on ourown-brand goods and the fascia outside our outlets. The mainobjectives of the re-branding are to improve overall standardsand promote our co-operative difference, thereby enhancing the customer experience.
‘And there's clear evidence that it's working. Food stores thathave been refitted continue to perform very well showing like-for-like sales growth of around 12%.'
And sales growth is also dependent on a consistent delivery ofthe customer experience, as Terry Hudghton, Head of Brand,explained. ‘Having agreed what the standards were, we set
In September, The Co-operative reached a milestone in its
ourselves benchmarks against our leading competitors because
re-branding programme, with the refit of the 2,000th outlet
we knew from the beginning that we have to be at least as
with the new The co-operative brand.
good as the best of our competition before any branch couldget the new brand. We employed a rigorous programme of
The Co-operative Food store at Locks Heath, near
Mystery Shop too, any shop wanting the brand had to pass a
Southampton, became the milestone outlet when it opened its
92% pass mark twice in a six-month period.'
doors to reveal a £1.6m refit.
At the time of this refit The Group, which has a total of 4,200outlets in all, has now re-branded 1,074 food stores; 298 pharmacy branches; 374 travel agencies; 90 bank branchesand 164 funeral homes.
‘We have the largest retail network of any corporate organisation in the UK, so to re-brand and refit every outlet is a massive undertaking,' commented Patrick Allen, Director ofGroup Marketing. ‘In fact, The Co-operative Group is undergoing the largest re-branding exercise in UK corporatehistory. This year alone we will have transformed more storesthan the combined UK operations of McDonalds and Starbucks!
evergreen winter 2008 28/7/09 11:08 am Page 26
over a million new
‘Food stores that havebeen refitted continue to perform very well showing like-for-likesales growth of around12%.'
‘Any shop wanting thebrand had to pass a92% pass mark (in theMystery Shop) twice in a six-month period.'
evergreen winter 2008 28/7/09 11:08 am Page 27
Respect & dignity
to those battling
The Co-operative has long been asupporter of St Ann's Hospice,one of the UK's biggest and longest-established hospices.
But it costs more than £9 million a year for the Hospice to provideits free care to more than 3,000patients, families and carers fromacross Greater Manchester andinto Cheshire.
Patient care at St Ann's Hospice
The Hospice movement is one of Britain's biggest charitable
Although 95% of patients admitted to St Ann's have cancer
causes - raising more than £300 million a year in donations to
related conditions, the Hospice is available to patients with any
provide free care for people affected by life-threatening
life-threatening illness, and contrary to popular belief, more
than 40% of St Ann's inpatients return home again.
What makes a hospice unique is that each one is an
Bridget Lyons, Inpatient Service Manager for St Ann's Hospice
independent charity in its own right, employing highly
at Little Hulton, Salford, said: ‘Some people think you come in
specialised doctors and nurses - and supported by a dedicated
here and you stay here, but many of our patients are
team of volunteers who help out in many different ways.
discharged. It's not always a sad place either. There's a lot ofhumour and laughter.'
Vital volunteersVolunteers play a key role in helping hospices. There are morethan 600 at St Ann's serving teas and drinks to patients onthe wards, driving outpatients in for day therapies, as well asfundraising and manning its chain of charity shops. Withouttheir help it would cost St Ann's at least another £300,000 ayear to operate.
One such volunteer is Judith Lacy (pictured) who began helping out after her partner, Kevin Rowland, for several yearsan IT consultant for The Co-operative Bank at Skelmersdale,died from melanoma last Christmas at the age of 49.
Judith Lacy, St Ann's Hospice volunteer
evergreen winter 2008 28/7/09 11:08 am Page 28
Judith, aged 43, an IT project manager, now helps out in theHospice fundraising office and is training to be an ambassadorrepresenting St Ann's at events and presentations. ‘I reallywanted to give something back to St Ann's in return for thesupport that was offered to me and the rest of Kev's familywhich was much needed and given freely,' she explained.
‘The respect and dignity that was given, both before and after his death, was inspirational. It helped remove so muchstress and anxiety. I will be raising funds for St Ann's over the coming years so that other people's last days together can be as good as ours were.'
Support and fundingIt costs more than £9 million a year for St Ann's Hospice toprovide its free care. Although NHS funding covers one third of the cost of patient care, the remainder - equivalent to£16,000 a day - has to be raised through charitable donations.
The Co-operative has long been a supporter of St Ann'sHospice, sponsoring the charity's annual Will Week promotionwhere participating solicitors write a will free of charge inreturn for the client making a donation to St Ann's.
Through efficient management, 91.2p in every £ donated to St Ann's Hospice is spent on providing patient care. Althoughpeople's generosity is far-reaching, the gap between the costof care and the amount provided by Government funding isgrowing ever wider.
However in July the Government announced England's firstEnd of Life Care Strategy for adults, which emphasised theneed for Primary Care Trusts to provide sufficient funding toaid the development of specialist palliative care services.
St Ann's Chief Executive Terry McDonnell said: ‘We need tosee the detail of how this new Government strategy equates
To support St Ann's
to fairer funding of hospice care. We look forward to working
To support St Ann'
closely with NHS colleagues to produce the best range of
Hospice or to become a
end of life care services that we can for the people of GreaterManchester.
volunteer contact their
‘Like many hospices, St Ann's has in-built expertise invaluable
Fundraising Office on
for effective end of life care. Many people don't know aboutthese additional capabilities, such as specialist education fornursing homes and NHS hospital professionals, as well as the
0161 498 3631, visit
provision of specialist skilled staff who can act as rapidresponse teams in the community. This can only be done if
hospice care is more fairly funded.'
Editor's noteAll hospices need volunteers - let us know your experiences.
for more information.
evergreen winter 2008 28/7/09 11:08 am Page 29
Whatever our age, a comfortable,decent home makes all the difference to our quality of life.
EverGREEN looks at the latestGovernment strategy for improvinghomes and neighbourhoods forolder people and at a new, freehomes and care advice service.
Older people live in nearly a third of all households, and are
information, pay for small repairs and minor adaptations and to
predicted to account for nearly half of all household growth by
provide extra cash for local authorities to pay for disabled
2020. But older people have been largely ignored by the
housing and planning world.
The strategy also highlights the importance of making ordinary
Before the current panic about property prices and a stagnant
housing and neighbourhoods better designed for living,
market, affordable housing for younger people and families was
whatever our age and physical ability. Some 90% of people over
the story of the day. The social rented sector has focussed on
retirement age live in general housing ie. in properties that were
family housing, and in the private sector much of the new build
not built specially for older people, so ensuring that all homes
has been ‘executive flats'- many of which are now standing
are designed with growing older in mind makes sense.
empty. It's time that planners started taking the longer-termview of housing for all ages.
In fact, the Government has said that it wants to
Housing charity Care & Repair England has carried out a review
see all new housing ‘future
of the 18 regional housing and spatial strategies that largely
proofed', meaning they
determine what sort of housing is built, and where. It found
should be better designed
that older people hardly get a mention. It is now trying to do
for people to live in
something about this by working with local older people's
across the lifespan. As
action groups and forums to influence local decision makers.
part of the new strategy,16 key features have
been developed for a
Earlier this year, a report called ‘Lifetime Homes, Lifetime
Neighbourhoods: A National Strategy for Housing in an Ageing
standard that should
Society', set out the Government's ideas and plans for making
become part of every
homes, neighbourhoods and housing related services better for
social rented homeshould be built to
It calls for new ideas for better-supported housing options for
these standards by
older people, and funding to help improve housing advice and
evergreen winter 2008 28/7/09 11:08 am Page 30
A challenge for everyone
Firststop – a one-stop-shop for
But there are limits to what national Government can do alone.
housing and care advice
Sue Adams, Director of the housing charity, Care & Repair
Four of the UK's leading advice services have come
England and co-chair of the Government's advisory body on
together to launch the first ever joined up advisory service
housing and older people explains.
about housing and care options for older people. Firststopoffers a single telephone number and a website with free,
‘Most decisions about housing and services are made by local
independent advice and information.
and regional government. These bodies need to be persuadedto act now to meet the housing needs of a rapidly ageing
It's a ‘one-stop-shop' provided by Help the Aged, Elderly
Accommodation Counsel, Counsel and Care and NHFA Care Fees Advice. Through a high-tech, web-based
‘Winning over the hearts and minds of everyone concerned
customer management system, all four partners can
with housing and planning and persuading them to take
access client records and have some input into the advice
ageing seriously will require a great deal of effort by everyone
and information process.
concerned. Older people's groups and forums can play a keyrole in championing this issue locally.'
• Money and benefits.
Lifetime Homes Diagram
• Care in any setting from your own home to a care home.
• Housing options from adapting your own home or choosing retirement housing to care homes, includingsearchable databases of accommodation available throughout the UK.
• Rights to help older people get the help, care and support they need when they need it.
Call 0800 377 7070, visitwww.firststopcareadvice.org.uk or email [email protected]
Lifetime Homes, Lifetime Neighbourhoods: A NationalStrategy for Housing in an Ageing Society is the first ofits kind in the world. It represents a major shift that puts housing in the frontline in both supporting older people's aspirations and preventative care, placing the needs of olderpeople at the heart of policy making.
Some 90% of people
Hazel Blears said:
"Demand for housing is high - being driven to a large
over retirement age live
extent by older people. Not only do we need to buildmore homes, but the right kind of homes too. That
in general housing ie, in
means ‘lifetime homes' suited to families withpushchairs right through to older people in
properties that were not
"By making age friendly changes both inside and
built specially for older
outside of homes we can help to break the linkbetween old age and dependency."
evergreen winter 2008 28/7/09 11:08 am Page 31
non-diabetics the sugar level will be low but, of course, in
Type 2 diabetes now affects
diabetics it will be high despite not having eaten anything.
around 1 in 20 people aged over
What problems can it cause?
55 in the UK and its early
A high sugar level in the blood can damage the blood vessels.
diagnosis and treatment is
Where it affects the large blood vessels of the heart and thoseleading to the brain, it can increase the risk of a heart attack or
essential. Here our resident medic
a stroke. It can also cause damage to the small blood vessels
Dr Nicolle Green explains why.
of the eyes and kidneys.
What is type 2 diabetes?
Sometimes a raised blood sugar can also affect the nerves,
Our bodies need a certain amount of sugar (in the form of
causing, for example, numbness and pain in the feet. That's
glucose) within the blood at all times so that the brain and
why people with diabetes must undergo regular checks with
other organs have a quick, constant access to the energy they
their doctor for changes in the eyes or feet, and to ensure that
require. But too much sugar in the blood is harmful to the
other contributors to heart attacks and strokes are kept to a
blood vessels so the hormone insulin removes any excess
sugar, mopping it up from the blood and storing it in the muscles and the liver.
So, for example, blood pressure and cholesterol levels will bemonitored and controlled, and smoking is strongly discouraged.
Insulin is produced by the pancreas in healthy individuals, but
There are also two different tests for blood sugar levels which
in diabetic patients it is either not produced at all (Type 1
are regularly carried out; one tests for the sugar level on that
diabetes) or, if it is produced, it is not able to fulfil its role as
particular day and the other gives an idea of how well the
the muscles and the liver do not respond to it and the sugar
sugar has been controlled on average over the preceding eight
therefore remains in the blood (Type 2 diabetes). Type 1
diabetes is normally present from childhood and is not generally related to lifestyle factors. Type 2 diabetes normally
begins later in life and, although it may have a hereditary
Fortunately, once a patient is diagnosed with type 2 diabetes,
component, it is often triggered by an unhealthy lifestyle of
there are ways in which it can be controlled. The most
too many calories and insufficient exercise.
important of these are lifestyle considerations; a reduction incalorie intake and an increase in regular exercise are very
How is it diagnosed?
important here and may be sufficient to control blood sugar. If
Diabetes may show some warning symptoms such as a
these do not work alone, then there are several medications
constant thirst, frequently needing the toilet and weight loss.
that can be tried. These work in different ways.
Perhaps more commonly, however, type 2 diabetes may showno symptoms initially, and it is only revealed through routine
A common tablet which is used is metformin, which reduces
checks. It is then confirmed by checking the level of glucose
the amount of sugar in the blood by decreasing the amount of
in the blood first thing in the morning before breakfast - in
sugar released by the liver. Other drugs, such as glibenclamide,tolbutamide and gliclazide, increase the amount of insulin
Dr Nicolle Green,
produced by the pancreas. Another group of medications, which
includes pioglitazone and rosiglitazone, increases the response
Although Dr Green cannot
of the muscles to the body's own insulin. Over time, these
reply to personal requests for
medications may become less effective and it may eventually
information, if there is any
become necessary to use insulin injections to control blood
subject you would like to be
covered in future articles,please contact the Welfare
Controlling blood sugar levels can significantly reduce the risk
office who will be pleased to
of damage that accumulates from high blood sugar. The best
pass on any correspondence.
way of achieving this is through a healthy lifestyle.
evergreen winter 2008 28/7/09 11:08 am Page 32
industry's helping hand
Caravan is the charity for
In such cases Caravan assists with an annual payment,
people in the grocery, provisions,
currently £778 per annum (paid quarterly). This can more
than double their disposable income.
greengrocers and off-licenceindustries. It was founded as a
Many ex-grocery industry workers cannot afford to replace abroken cooker, a washing machine or even a bed. Caravan
dedicated fund in 1964 and now
believes that all our beneficiaries should possess these basic
supports more than 1450 retired
essentials of modern day living and we do our best to supplythem where needed.
workers who, for a variety of reasons, are struggling to cope.
Special helpWe may also help with: telephone response units; the cost of
They include a wide variety of
mobility equipment such as electrically powered scooters,
people from warehousemen and
wheelchairs, riser/recliner chairs and stairlifts to enable ourbeneficiaries to lead fuller, more independent lives.
delivery drivers through to salesrepresentatives and checkout
Emergency grants may also be made towards the cost ofitems such as walk in showers, boilers or roof repairs.
Our trained CRB approved Welfare Assessors visit each of ourbeneficiaries at least once a year.
It runs with just seven membersof staff, and over 120 volunteers
One-off payments Occasionally we are able to award one-off payments for applicants who do not meet all the criteria for assistance.
How do we decide who we help?
One of our beneficiaries says: ‘I worked for 25 years in the
Each case is assessed on its individual merits, but to qualify
grocery industry, retiring at the age of 70. I could cope with
for Caravan's assistance prospective beneficiaries must be
the everyday basics but when an unexpected bill came in it
able to demonstrate the following:
was very difficult to get by. It is such a relief to know that Ihave got this extra money coming in. It's one less thing to
• A minimum of 10 years service within any part of the
industry • A degree of financial hardship
For more information on Caravan go to the website
• That they have no more than £12,000 in savings or capital
(excluding their home)
Do you have any free time on your hands?Caravan are always looking for people to visit
The majority of Caravan's beneficiaries are ex-grocery industry
beneficiaries. Call 01252 875925 or email
workers living only on the state pension which, after day-to-
day living expenses are deducted, leaves them with only a fewpounds in their pockets.
evergreen winter 2008 28/7/09 11:04 am Page 1
would like to apologise
to all you avid crossword fans.
There was an error in the last
(April 2008) crossword -
we asked for the letter not
used, in fact it was an
Optical instruments used to produce greatly magnified
Rome is known as the _ City (7)
10. Heavenly creature (5)
11. Plant fibre used for making rope (5)
12. Cosmetic applied to darken the eyelashes (7)
13. Elizabeth, whose films include ‘National Velvet' and
‘Butterfield 8' (6)
15. Predatory arachnid with eight legs (6)
18. Scandinavian raiders (7)
20. Open spaces under a roof (5)
22. Collection of hidden treasure (5)
23. John Lennon's most famous post-Beatles song (7)
24. BBC historical mystery series (4,7)
Mr I H Ivison of Clwyd was the lucky winner of our last Crossword
competition. He won £100 of Co-op vouchers. You could too if you
complete this issue's puzzle.
Plans and schemes (5)
Portuguese footballer who helped Manchester United win
Please return your completed entry along with your name,
the 2008 Champions League (7)
address and daytime telephone number to:
Highly spiced sausage (6)
Precious stones with shimmering, changing reflections (5)
Kevin Pietersen is this country's cricket captain (7)
The Co-operative Group, Pensions Department,
Understanding well the needs and feelings of others (11)
FREEPOST PO Box 53, New Century House,
Large sea-birds with very long wings (11)
Manchester M4 8BH.
14. She was married to John Lennon (4,3)
16. 1970s TV series set in Cornwall and based on historical
The closing date is Monday 5 January 2009.
novels by Winston Graham (7)
17. Italian town associated with Saint Francis (6)
19. Daughter of your brother or sister (5)
The Co-operative Group, New Century House,
21. _ Tuck, a companion of Robin Hood (5)
Manchester M60 4ES. Registered Number 525R
EverGREEN is written and produced by The Co-operative Group Corporate Communications
COMUNA DE SAN JOAQUIN PLAN DE SALUD COMUNAL PRESENTACIÓN De acuerdo a lo dispuesto en el articulo 58 de la ley 19.378 Estatuto de Atención Primaria Municipalizada ( 13 abril 1995) y en el D.S Nº 2.296 (10 octubre de 1995) corresponde a las entidades administradoras de salud municipal la elaboración anual de un programa de salud municipal. Este plan debe contener los siguientes aspectos: a.- Lineamientos de una Política Comunal de Salud, que recoja los problemas locales de salud en el marco de las normas técnicas y programáticas impartidas por el Ministerio de Salud y las prioridades fijadas por el Servicio de Salud respectivo. b.- Diagnóstico Comunal participativo de salud, actualizado. c.- Evaluación de las acciones y programas ejecutados anteriormente. d.- Escenario mas probable para la salud comunal en el período a programar. e.- Asignación de prioridades a los problemas señalados, a partir del diagnóstico y los recursos existentes y potenciales en base a criterios de prevalencia, gravedad, vulnerabilidad y a la intervención e importancia social. f.- Determinación de actividades frente a cada problema priorizado, considerando en ellas: acciones de vigilancia epidemiológica, acciones preventivas y promocionales, acciones de carácter intersectorial que contribuyan a la ejecución de las actividades del programa; y acciones curativas. g.- Indicadores de cumplimiento de metas programadas.
Caregiver Lifeline Program Resources for Transplant Families This document is a good starting point for identifying potential transplant-related resources for patients, their caregivers and families. We've included a variety of information about transplant, transplant fundraising resources, grant assistance providers, travel assistance, prescription coverage, and living donor support.