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Beautiful setting and superb decor
Warm and friendly welcome
Delicious cuisine charcol grilled meat and fish a speciality
Excellent selection of wines
Bright and relaxing bar area
Watch the world go by from the front patio or savour the magnificent mountain views from the balcony at the back.
Open Every Day exept Monday

BOOKINGS PHONE 952869848

Telefono 952869848


Tuesday 24 April 2012

exploding the common myths about which foods are good for us

Myth: Salt in your diet causes high blood pressure

In the 1940s, Walter Kempner, a researcher at Duke University, North Carolina, became famous for using salt restriction to treat people with high blood pressure. Later, studies confirmed that reducing salt could help reduce hypertension. But you don't have to avoid salt entirely, says Sara Stanner, of the Nutrition Society. "Adults need a small amount of sodium in their diet to maintain the body's fluid balance."

Average salt intakes have come down in recent years, mainly due to product reformulation. But it's still the case that many of us consume too much salt – around 9g a day instead of the maximum recommended dose of 6g per day – around 75 per cent of which is in processed foods such as soups, sauces, sandwiches and processed meat.

"People often think it's really bad to add salt into cooking or on to your plate, but that forms no more than 10 per cent of your total intake," says Stanner. "So you can get people who never have salt at their table, but have a very high salt intake, while others put salt on most meals, but have a lower intake."

Myth: Carbohydrates are bad for you

"Carbohydrate-rich foods are an ideal source of energy. They can also provide a lot of fibre and nutrients," says Sara Stanner. "Potatoes, for instance, are one of the best sources of vitamin C, yet potato consumption in the UK has fallen considerably."

One of the main reasons carbohydrates have fallen out of favour is that they are perceived to be fattening. "Foods high in carbohydrates have had a rough time in the past few years, thanks to the success of low-carb diets, such as the Atkins diet," explains Juliette Kellow.

"But there's no proof that carb-rich foods are more likely to make us gain weight than any other food. Ultimately, it's an excess of calories that makes us pile on the pounds – and it really doesn't matter where those extra calories come from. More often than not, it's the fat we add to carbs that boosts the calorie content, such as butter on toast, creamy sauces with pasta and frying potatoes to make chips."

Myth: Dairy products are fattening and unhealthy

In a study by the Curtin University of Technology in Perth, Australia, slimmers on low- calorie diets which included cheese, yoghurt and milk lost more weight than those on low-dairy diets. Those on the diet including dairy also had the least stomach fat, lower blood pressure and a significantly better chance of avoiding heart disease and diabetes.

Dairy products are packed with essential nutrients that help keep us healthy, says Juliette Kellow. "As well as being good sources of protein, zinc and some B vitamins, dairy products are packed with calcium, a mineral that helps to build strong, healthy bones – and the stronger the bones are, the less likely you'll be to suffer from osteoporosis in later life."

There are loads of low-fat versions of dairy, such as skimmed or semi-skimmed milk, low-fat yoghurts and reduced-fat cheeses, she says – and low-fat versions don't mean less calcium. "Skimmed and semi-skimmed milk actually contain slightly more calcium than full-fat milk."

Myth: Red meat is bad for you

Publishing what it called "the most authoritative ever report of bowel cancer risk" last year, the World Cancer Research Fund recommended that people limit their intake of red meat to 500g a week, or just over a pound in weight. The net result of such studies is always the same – people panic.

But 500g is roughly the equivalent of five or six medium portions of roast beef, lamb or pork. "Red meat is a valuable source of minerals and vitamins, particularly iron, and we know that large numbers of women have such low intakes of this nutrient that they're at risk of anaemia. There's no need for people to think, 'I should be eating fish' when they have a steak,' provided they eat it in moderation," says Sarah Schenker.

Another myth about red meat is that it's high in fat, says Juliette Kellow, dietitian and advisor to Weight Loss Resources. "Thanks to modern breeding programmes and new trimming techniques, red meat is now leaner than ever.

Processed meat of all kinds, however, should be avoided.

Myth: Fresh is always better than frozen

Frozen fruit and vegetables can be more healthy than fresh. "Research shows that freezing vegetables such as peas as soon as they're picked – when they are at their nutritional peak – means they retain higher levels of vitamins, particularly vitamin C," says Sarah Schenker. "Once frozen, the deterioration process stops, locking in goodness. The fresh variety often travel long distances and sit on grocery shelves and along the way, heat, air, water and time can lead to a significant loss of nutrients."

Frozen or canned fruits and vegetables can also be as nutritious as fresh ones, if not more so. Again, they are often packaged within hours of being picked, retaining their nutritional value. "Always check salt and sugar levels though by comparing labels," says Sarah Schenker, of the British Dietitic Association. Even dried fruit can be healthier than fresh. "When you eat dried fruit you usually eat more than the fresh equivalent – for instance six dried apricots instead of three fresh ones. This is more calorific but you get a bigger amount of nutrients," says Schenker.

Myth: Soy eases menopausal problems

For years, the fact that Asian women have fewer menopausal symptoms has been attributed to high levels of soy in their diet. Soy products such as tofu contain natural plant oestrogens and there have been increasing claims that these might help women going through the menopause whose own oestrogen levels are dwindling.

But a University of Miami study has found that soy does nothing to abate hot flushes and bone-density loss. In fact, the women given soy appeared to experience more hot flushes than those given a placebo.

Experts including Dr Malcolm Whitehead, a menopause expert at King's College Hospital in London, aren't surprised. "In my clinical experience, women say this doesn't work for them," he says, adding that HRT is a safe and effective treatment for most women.

Others point to previous studies showing that soy can work, but the British Dietetic Association's Sarah Schenker, says, "This research has always been weak. People got excited about those early small studies, but the more research that was done, the more doubts appeared."

Myth: Brown bread is better for you than white

A darker loaf of bread does not necessarily mean it's made with whole grains – it could simply contain caramel colouring or such a small amount of whole wheat that its nutritional benefits are no different to white bread. "The real health benefits come from eating wholemeal bread instead of white," says Sarah Schenker.

Wholemeal is made from flour containing all the goodness of wheat grains. The outer husk has not been removed, so the resulting bread is much richer in fibre, protein and vitamins B1, B2, niacin, B6, folic acid and biotin. Brown bread, in contrast, is made from finely milled wheat, from which the bran has been extracted.

Look for the words "whole grain" or "100% whole wheat" on packaging and ensure the first ingredient listed is whole wheat, oats, whole rye, whole grain corn, barley, quinoa, buckwheat or brown rice. Seeded bread is even better, since it contains even more vitamins, minerals and healthy fats.

Myth: Everyone needs a lot of protein

Protein is essential for growth and development, but experts agree that most people eat far too much of it. "The Department of Health recommends that protein should make up around 10-15 per cent of your daily diet – that's around 55g for men and 45g for women," dietitian Azmina Govindji says. "Yet, according to the British Nutrition Foundation, men are probably munching their way through an average of 88g and women around 64g."

So what's fuelling this notion that we need so much? "Some diets, such as the Atkins diet, advocate speedy weight loss on cutting the carbs and piling on the proteins", Govindji says.

Another contributory factor is that in the past, it was believed nobody could eat too much protein. In the early 1900s, people were told to eat well over 100g a day and in the 1950s, health-conscious people were encouraged to boost their protein intake. But high protein can put a strain on liver and kidneys and other bodily systems.

Saturday 21 April 2012

Britons living overseas defrauded 43 million pounds in benefit fraud in 2011


The British Secretary of State for Work and Pensions, Iain Duncan Smith, has been visiting the Department of Work and Pensions benefits and healthcare team in Madrid. He warned Britons living abroad not to break the strict rules on what benefits they can and cannot claim. People who are pretending to live in the UK so they can collect benefits, but in fact are living overseas cost the British taxpayer 43 million pounds last year. Most of the reports of such benefit fraud came from Spain. Iain Duncan Smith commented, “We are determined to clamp down on benefit fraud abroad, which cost the British taxpayer around £43 million last year. This money should be going to the people who need it most and not lining the pockets of criminals sunning themselves overseas. The vast majority of British people overseas are law abiding, but fraudulently claiming benefits while living abroad is a crime and we are committed to putting a stop to it.” He also encouraged Britons to use the dedicated Spanish hotline to report benefit thieves. 900 554 440 or you report a benefit fraud here. The hotline has resulted in 100 people being sanctioned or prosecuted, and 134 more cases are currently under investigation. 3.1 million pounds in over payments of benefit have been identified and will be reclaimed. Source – UK in Spain - http://ukinspain.fco.gov.uk/en/news/?view=News&id=754530182 Duncan Smith made the most of his visit to Madrid and took the chance to meet with Health Minister, Ana Mato, and the Mayor of Madrid, Ana Botella. They discussed the response to the crisis with Duncan Smith calling for an end to the culture of ‘unemployment and dependency’, increasing the control on public spending and eliminating ‘the subsidies which don’t resolve problems because in some cases ‘they trap the poor’.

Anti-Corruption prosecutors to be strengthened in Málaga

 

The State Attorney General, Eduardo Torres-Dulce, has said that there are plans to designate ‘one or two prosecutors’ more to the specialist Anti-Corruption section in the province of Málaga. He made the comment at an event where Juan Carlos López Caballero took possession as Chief Prosecutor for Málaga, a job which he was sharing with his post as Delegate from the Anti-Corruption Prosecutor, where three prosecutors work. There have been complaints from prosecutors that only 8% of civil servants who work for the administration of justice do so in the prosecutors’ office, a number described as ‘totally insufficient’.

Health Minister announces crackdown on foreigners using the Spanish Health Service


The cabinet on Friday decided to crack down on foreigners using the Spanish Health Service as part of an additional 7 billion € of cuts. They intend to toughen the conditions for inclusion on the Padrón census. Minister for Health, Ana Mato, said ‘We are going to end the abuses committed by some foreigners’. She is going to change the Ley de Extranjería which intends to put a limit to the so-called ‘health tourism’, which has seen family members of foreign residents to come to Spain ‘exclusively’ to receive health attention. Ana Mato insisted that from now it will not be so easy to come to Spain, sign the Padrón census, and obtain a health card, as it has been. ‘Just getting on the Padrón they all had the right to the health card’, said the Minister. ‘Now there will be a series of additional requirements when the Padrón is issued’. She said to guarantee the universality of the Health Service ‘for all the Spaniards’ it was necessary to stop the illegal and undue use which some foreigners have been making of this service. On Thursday the Minister met with the regions and they agreed on a new article which will ‘explicitly prohibit a person moving regions in search of health attention'. The Minister considers these measures will do away with health tourism and save 1 billion €. Ana Mato also said that she was going to revise some international conventions on the matter, given that ‘many’ countries do not repay the money they owe Spain for the health attention given here to their citizens. Among the other measures approved, the end of paying for some medicaments ‘with little therapeutic value’. A list of included medicines accepted nationally is to be prepared. The Minister said ‘We all have to collaborate with those who having a worse time’.

Ryanair threatens surcharge on flights to Spain

 

Millions of its passengers – who have already booked and paid for their flights in full – may now be asked to pay an extra fee upon departure, or be told they are not allowed to board. The airline sent an email to customers this week warning them of the backdated fare. “We may be forced to debit passengers for any government imposed increases in airport charges prior to your travel date,” its message read. “If any such tax, fee or charge is introduced or increased after your reservation has been made you will be obliged to pay it (or any increase) prior to departure”.

Wednesday 18 April 2012

10 things not to say to someone when they're ill

Get well soon card
'People really did feel the need to reassure me that my hideousness was plain to see.' Illustration: David McCoy for the Guardian

What no one ever tells you about serious illness is that it places you at the centre of a maelstrom of concerned attention from family and friends. Of course it does. That's one of the nice things. It's actually the only nice thing. But it's also a rather tricky challenge, at a time when you may feel – just slightly – that you have enough on your plate. Suddenly, on top of everything else, you are required to manage the emotional requirements of all those who are dear to you, and also, weirdly, one or two people who you don't see from one year to the next, but who suddenly decide that they really have to be at your bedside, doling out homilies, 24 hours a day. It's lovely to hear from people when you're ill. But it's also lovely when they add: "No need to reply." The biggest shock, when I was diagnosed with cancer the summer before last, was quickly observing that people can be quite competitive in their determination to "be there for you", and occasionally unable to hide their chagrin when some other chum has been awarded a particularly sensitive role at a particularly sensitive medical consultation. Nobody means to be intrusive or irritating. It's all done with the finest intentions. But, God, it's a pain. Yet by not saying 10 simple things, you too, can be the friend in need that you want to be.

1 "I feel so sorry for you"

It's amazing, the number of people who imagine that it feels just great to be the object of pity. Don't even say "I feel so sorry for you" with your eyes. One of my friends was just brilliant at mimicking the doleful-puppy-poor-you gaze, and when I had been subjected to a sustained bout of it, I used to crawl over to the local pub for lunch with him, just so that he could make me laugh by doing it. Don't say "I feel so sorry for you" with your hand either. When someone patted my thigh, or silently rested their paw on it, often employing the exasperating form of cranial communication known as "sidehead" at the same time, I actually wanted to deck them. Do say: "I so wish you didn't have to go through this ghastly time." That acknowledges that you are still a sentient being, an active participant in your own drama, not just, all of a sudden, A Helpless Victim.

2 "If anyone can beat this, it's you"

Funnily enough, it's not comforting to be told that you have to go into battle with your disease, like some kind of medieval knight on a romantic quest. Submitting to medical science, in the hope of a cure, is just that – a submission. The idea that illness is a character test, with recovery as a reward for the valiant, is glib to the point of insult. Do say: "My mum had this 20 years ago, and she's in Bengal now, travelling with an acrobatic circus." (Though not if that isn't true.)

3 "You're looking well"

One doesn't want to be told that one's privations are invisible to the naked eye. Anyway, one is never too ill to look in a mirror, and see a great big moon-face, bloated with steroids and sporting the bright red panda eyes that are triggered by that most aggressive and efficient of breast-cancer drugs, Docetaxel. I knew I looked like death warmed up, not least because I felt like death warmed up. Nobody wants to be patronised with ridiculous lies. They are embarrassing for both speaker and listener. If your sick pal wants to discuss her appearance, she'll ask you what you reckon. It'll be a leading question, so take your cue from her.

4 "You're looking terrible"

 

I know it sounds improbable. But people really did feel the need to reassure me that my hideousness was plain to see. One person told me that while I'd put on a lot of weight, I'd of course be able to go on a diet as soon as I was better. I wouldn't have minded quite so much, if she hadn't arrived bearing a giant mound of snacks and cakes, a great, indiscriminate pile of stuff that suggested she'd been awarded four minutes in Whole Foods by Dale Winton, in a nightmarish haute-bourgeois version of Supermarket Sweep. And, in fact, I haven't gone on a diet. Somehow, being a size 10 doesn't seem tremendously importantany longer. On the other hand, when I said: "Don't I look monstrous?" I was asking people to help me to laugh at myself – which many did – and to tell me that this too would pass. One of my friends took photographs of me, behind a curtain in the hospital, looking comically interfered with by surgeons, and festooned with tubes and drains full of bloody fluid. We laughed so much that I probably came nearer to death right then than at any other point.

5 "Let me know the results"

 

Oddly, one doesn't particularly want to feel obliged to hit the social networks the moment one returns from long, complicated, stressful and invasive tests, which ultimately delivered news you simply didn't want to hear. Of course, this request is made because people are worried. But, a bit of worry is easier to bear than the process of coming to terms with news that confirms another round of debilitating, soul-crushing treatment. If people do want to talk about such matters, they really need to be allowed some control over when, how and to whom. Contacting their very nearest and dearest instead is fine, as is volunteering to spread the bad tidings to others who are also anxious.

6 "Whatever I can do to help"

Apart from anything else, it's boring. Everybody says it, even though your assumption tends to be that people do want to help, of course. That doesn't mean that help should not be offered. But "Can I pick the children up from school on Tuesdays?" or "Can I come round with a fish pie and a Mad Men box set?" is greatly preferable to: "Can I saddle you with the further responsibility of thinking up a task for me?" If you do happen to be on the receiving end of "whatever I can do to help", be shameless. Delegate with steely and ruthless intent.

7 "Oh, no, your worries are unfounded"

Especially when those worries are extremely founded indeed. Like a lot of women, when I was first diagnosed, I was disproportionately focused on the prospect of losing my hair. One friend, every time I tried to discuss this with her, would assert – baselessly – that this wasn't as likely to happen as it used to be. Actually, it's still very likely, and indeed it came to pass. But the crucial thing was this: I didn't want to talk about how pointless it was to be fearful. I wanted to talk about how sorely I dreaded the day when I was bald. When people want to talk about their fears, they want to talk about their fears, not to be told, quite blatantly, that their fears are imaginary. Even when they are imaginary, there are more subtle ways of offering assurance than blank rebuttal. Usually, an ill person brings something up because they feel a need to discuss it. Denying them that need is a bit brutal.

8 "What does chemotherapy [for example] feel like?"

 

It is staggering, the number of people who find it impossible to restrain their curiosity. Swaths of folk appear to imagine that exactly what you need, in your vulnerability, is a long and technical Q&A during which you furnish them with exhaustive detail pertaining to the most shit thing that's ever happened to your body in your life. If someone wants to talk about their procedures or their symptoms, they will. If you have to ask questions, that's prima facie evidence that this is not what they'd discuss, if only they could be gifted with just a smidgeon of control over the conversational initiative. Again, the golden rule is: take your lead from the person undergoing the experience. I tended to want my mind taken off all that stuff, and have a nice chat about nice things. One of my friends, asked by another what she had been up to lately, found herself saying she'd had a great time visiting Deborah in hospital after her mastectomy. It had indeed been a lively visit. Eight lovely people had turned up all at once, and it had been quite the rambunctious gathering. When she told me that it had been an absurd social highlight for her, I felt fantastically proud.

9 "I really must see you"

Don't say it, particularly, if you are then going to indulge in some long and complicated series of exchanges about your own busy life and the tremendous difficulty you have in finding an actual window, even though this appointment is so awfully important to you. At one point, I was sitting in a chemotherapy suite, large and painful cannula in the back of my hand, pecking out texts to somebody who had to sort something out this week, and wouldn't take "Let's do this later" for an answer. When I reluctantly picked a particular time from the list she had bossily pinged over, she replied that she'd have to bring her toddler son with her if itreally had to be then. I knew I couldn't handle a tiny visitor (and wasn't sure about the ability of the tiny visitor to handle it either), so we then arranged something else. A few days later, at the very time of predicted childcare crisis, I saw a tweet from her, declaring that she was wearing a new cocktail dress and held up in traffic on her way to a long-anticipated and very glamorous do. She had clearly just buggered up her dates and didn't want to say: "Whoops. Actually, I'll be at a PA-A-ARDEEEEE." Fair enough. Sweet, really. Nevertheless, the planning thing is an arse. I liked it when people just said, "Can I come by after work this evening?" or, even better, "I've got tickets to the theatre on the 25th. Tell me on the day if you can face it."

10 "I'm so terribly upset about your condition"

One friend, when I told her the initial news, blurted out: "I can't cope without you!" and unleashed a flood of tears. (I hadn't sobbed myself at that point. I never did.) Ages later, when she emerged from the loo at the pub I had designated as Telling People HQ, she explained that she'd been caterwauling unrestrainedly when a kind lady asked her what was wrong. Having sketched out her troubles, she got this reply, or something like it: "What? You're weeping in the lavatory, while your friend is in the bar having breast cancer? Pull yourself together, and get out there." This had inspired another torrent of waterworks. And that is the most important thing to remember, when your friend is facing a frightening and possibly fatal illness: it's not, not, not about you. If you're too upset to be in a position to comfort your friend, send cards, send flowers, send presents. But don't send your ailing chum a passionate storm of your own wild grief, personally delivered. It's a little too needy, under the circs.

If you recognise things that you have said or done yourself within this list, don't feel bad about it, at all. I most certainly have, and I've said and done much, much worse too; it took being on the receiving end before I realised what it could feel like. The thing is this: giant illness is a time of great intensity, and even the most cack-handed expressions of support or love are better than a smack in the face with a wet tea-towel. People feel helpless when they see that their friend is suffering. Sometimes – often – they say the wrong thing. But they are there, doing the best that they can, at a terrible, abject time. That's the most important thing of all. I look back on those grisly moments of ineptitude and clumsiness with exasperated amusement and tender, despairing, deep, deep fondness. The great lesson I learned from having cancer, was how splendid my friends were, whatever their odd little longueurs. They all, in their different ways, let me know that they loved me, and that is the most helpful thing of all. I'm so lucky to have them.

Marbella Police Commissioner moved to Madrid

 

The Police Commissioner in Marbella, Agapito Hermés de Dios, is to be disciplined for spying on the Vice President of the Madrid region, Ignacio González, in what is now considered to have been an ‘illegal’ investigation according to the Minister of the Interior, Jorge Fernández Díaz. Agapito Hermés has presented his resignation from the Marbella Police Station and will now be destined to a district of Madrid. He was subjected to an internal investigation regarding how he dealt with an enquiry into an attic which Ignacio Gonzalez enjoyed in Marbella. The Interior Minister announced publically in the Senate that the investigation was ‘illegal’ and ‘irregular’ as it was carried out without judicial authorisation and without complying with the protocols on intervention established by the Police.

Tuesday 17 April 2012

Energy-rich Qatar seeks la dolce vita with purchase of luxury resorts on Italy’s Sardinia isle


Qatar signed a deal Monday to buy the operator of four luxury resorts and other properties on the island of Sardinia as the wealthy Gulf emirate looks to bolster ties with Italy. The purchase coincided with a visit to Rome by the country’s emir. It is the latest deal in a European shopping spree that has given the natural-gas rich state a stake in European banks, energy companies and some of the continent’s best known brands. 0 Comments Weigh InCorrections? Personal Post State-owned Qatar Holding, an arm of the country’s sovereign wealth fund, said it will acquire resort operator Smeralda Holding from Los Angeles-based real estate investment firm Colony Capital. The deal includes the Cala di Volpe, Pitrizza, Romazzino and Cervo hotels, a marina and shipyard, a golf club and a 51 percent interest in 2,290 hectares (5,660 acres) of undeveloped land nearby. Qatar Holding plans to keep Smeralda’s existing management, and said Starwood Hotels and Resorts Worldwide Inc. will continue to run the hotels. Financial terms were not disclosed. The deal must still be approved by Italian regulators. The deal was announced as Italian Premier Mario Monti held talks with Qatar’s emir Sheik Hamad bin Khalifa Al Thani at a government villa in Rome. Monti hailed the visit as way for the countries to strengthen their friendship. “I am very happy for this meeting because it was (an) occasion to consolidate a strategic relationship between the two countries,” Monti told a news conference after the talks. The emir told reporters that Qatar’s sovereign fund is looking for ways to invest in Italy. When asked what factors discouraged investment in Italy, the emir said “corruption, first of all,” according to Monti. Among the accords signed Monday was one aimed at boosting efforts to fight graft and crime. Another raises the number of passenger flights between the countries from 14 to 35 weekly, and cargo flights from two to seven, Monti said. Monti promised Italian help to Qatar as it prepares to host soccer’s 2022 World Cup. “Italy has unique know-how and can contribute to the success” of the sporting event, the Italian leader said. Over the past several years, Qatar has used its vast energy wealth to amass a diverse portfolio of European properties. Its holdings on the continent include stakes in Barclays PLC, Credit Suisse Group, Volkswagen AG, and the London Stock Exchange. It acquired stakes in Spanish power utility Iberdrola SA and electric company Energias de Portugal last year. Qatari investors control French soccer team Paris Saint-Germain and Spanish club Malaga, while the logo of state-sponsored nonprofit Qatar Foundation graces the jerseys of another Spanish team, Barcelona.

Saturday 14 April 2012

Surf Air: Can an all-you-can-fly airline possibly work?

 

SURF AIR, a Californian start-up, has a novel business model: for a monthly fee you can fly with the airline as much as you want. Is buffet-style air travel the wave of the future? JetBlue and Sun Country Airlines have both already tried offering all-you-can-fly passes, but so far no carrier has built its business model exclusively on a buffet plan. The idea isn't bad, but some scepticism is warranted. At $790 a month, Surf Air's flying plan will probably only appeal to business travellers who often go to the same places and rich Californians in long-distance relationships. Will that customer base allow Surf Air to make a profit? Maybe: 20m frequent flyers jetted between San Francisco and Los Angeles in 2011, according to the company's numbers. The airline plans to launch with service between Palo Alto, Monterey, Santa Barbara and Los Angeles, but it still needs to secure regulatory approval, according to a company press release. Frequent flyers make up a huge portion of the business-traveller population, and almost every airline relies on business travellers to get (and stay) in the black. There is surely some group of private-jet-sharing business travellers who might be attracted to an all-you-can-jet airline as a cheaper alternative. A lot will depend on how many flights and how much convenience Surf Air can offer, and how quickly it can expand service. The company's promises certainly seem attractive: [Surf Air will offer] its members 30-second booking and cancellations, travel to and from uncongested regional airports, and an easy arrive-and-fly process with no hassle, no lines and no extra fees. It's easy to make promises, though. It's much harder to run a profitable airline. As Gulliver often notes, the American airline sector overall has never really made any money—in fact, total earnings over the entire history of the industry are minus $33 billion. That, of course, suggests that existing airlines might be doing it wrong. Maybe all-you-can-fly really is the way to go. It's at least worth a shot. I'll be eager to see what people think of the final product—assuming regulators give the go-ahead.

Worrying is good for you and reflects higher IQ

It evolved in humans along with intelligence to make them more adept at avoiding danger. A study of 42 people found the worst sufferers of a common anxiety disorder had a higher IQ than those whose symptoms were less severe. Scientists say their findings published in Frontiers in Evolutionary Neuroscience, suggest worrying has developed as a beneficial trait. Psychiatrist Professor Jeremy Coplan, of SUNY Downstate Medical Centre in New York, and colleagues found high intelligence and worry are linked with brain activity measured by the depletion of the nutrient choline in the white matter of the brain. He said: "While excessive worry is generally seen as a negative trait and high intelligence as a positive one, worry may cause our species to avoid dangerous situations, regardless of how remote a possibility they may be. "In essence, worry may make people 'take no chances,' and such people may have higher survival rates. Thus, like intelligence, worry may confer a benefit upon the species." The researchers made the discovery by monitoring activity in the brains of twenty six patients with generalized anxiety disorder (GAD) and eighteen healthy volunteers to assess the relationship between IQ, worry and the metabolism of choline. In the control group high IQ was associated with a lower degree of worry, but in those diagnosed with GAD it was linked with more. The correlation between IQ and worry was significant in both the GAD group and the healthy control group. But in the former it was positive and in the latter negative. Previous studies have indicated excessive worry tends to exist both in people with higher and lower intelligence, and less so in people of moderate intelligence. It has been suggested people with lower intelligence suffer more anxiety because they achieve less success in life. Worrying has also been shown to lessen the effect of depression by countering brain activity that heightens the condition.

Eating nuts can help stave off obesity, says study

 

Dieters often dismiss them because of their high fat content, but research suggests that snacking on nuts can help keep you slim. A study found that those who consumed varieties such as almonds, cashews and pistachios demonstrated a lower body weight, body mass index (BMI) and waist circumference compared to non-consumers. They were also at lower risk of developing heart disease, type 2 diabetes and metabolic syndrome. Experts are now recommending a daily intake of 1.5 ounces, or three tablespoons of nuts as part of a healthy diet. Lead researcher Carol O'Neil, from Louisiana State University, said: 'One of the more interesting findings was the fact that tree nut consumers had lower body weight, as well as lower body mass index (BMI) and waist circumference compared to non-consumers. 'The mean weight, BMI, and waist circumference were 4.19 pounds, 0.9kg/m2 and 0.83 inches lower in consumers than non-consumers, respectively.' In the study, published in the Journal of the American College of Nutrition, researchers compared risk factors for heart disease, type 2 diabetes and metabolic syndrome of nut consumers versus those who did not consume nuts.

Wednesday 11 April 2012

Thousands of British expats are on the brink of losing everything after being duped by unscrupulous financial advisers.

 

The cowboys have persuaded thousands of  our vulnerable pensioners — many in their 80s and 90s — to give up huge stakes of their property in exchange for investments that will never make a penny. 

The schemes are often sold by rogue financial advisers who exploit weak consumer laws on  the Continent by falsely claiming to be bona  fide accountants.

Most of the victims are Britons who retired to Spain or France and wanted to use the cash in their homes to help with soaring living costs. 

John Parsons, founder of the Costa del Sol Action Group that is helping some of the victims in Spain, says: ‘The effect of all this worry is enormous. The stress has brought on a lot of serious health issues and they are extremely worried about their futures.

‘These people were not greedy or stupid. They were on fixed pensions and being financially squeezed, so jumped at the possibility of solving that situation.’

The latest crisis follows a Money Mail  investigation in 2008, which exposed how hundreds of British pensioners living on the Costa del Sol had gambled their homes in a risky equity-release scheme run by failed Icelandic bank Landsbanki.

Now we can reveal how thousands more pensioners have fallen for other risky equity-release schemes on the Continent and are being hounded by banks demanding hundreds of thousands of pounds.

 

 PREYED ON BY  ROGUE SALESMEN

During the property boom at the start of this century, around 100,000 pensioners left Britain to live out their days in southern France and Spain — attracted by a warmer climate and cheaper way of life.

Many had a small pension, but hundreds of thousands of pounds from the sale of their UK home, which had soared in value over their lifetime.

This money was used to supplement their incomes and buy a new home abroad. But soon after they moved, the cost of living in some areas soared as hundreds of thousands of Britons and Germans bought second homes.

Many pensioners found they needed extra cash, and became easy prey for unregulated financial advisers who had left Britain to tap into the new wealth in these regions. 

Local rules meant they were able to act unchecked, selling investments from banks based anywhere in the world.

Sometimes they claimed to be chartered accountants, but were not — many had never even registered with local authorities. 

In Spain in particular, these advisers could largely sell whatever they wanted — including types of investments and equity-release schemes outlawed in the UK. These paid handsome commissions that could net advisers a £50,000 payday.

Banks offering equity-release loans included Icelandic bank Landsbanki, Scandinavian banks Nordea and Sydbank, and UK private bank Rothschild. However, Money Mail understands they are not the only banks involved.

The majority of victims were told they could borrow the entire value of their property. The loan would incur interest, typically of up to 6.5 per cent. It meant that after ten years, a €500,000 (£412,667) loan would balloon to €681,240 (£562,251). To offset this, a large chunk — usually around 75 per cent of the loan — would be invested in a fund sold by the adviser. 

Pensioners were told returns would be so good that not only would they cover the interest on the equity release, but give the borrowers a little extra to spend.

INVESTMENTS THAT TURNED TOXIC

But the promises made turned out to be very different to the theory. This meant returns did not cover the cost of the interest repayments on the equity release. 

As the fund fell in value, it ate into the capital that borrowers needed to repay the debt. Charges for fund managers and commission also reduced the returns further. 

Worse was to follow when house prices in Spain fell. They had risen by 44 per cent between 2004 and 2008, when many of the victims had bought their homes. They have since plummeted by around 20 per cent.

Those who had borrowed almost all of their property value were soon in negative equity — where the value of the property value was less than the money owed on it — leaving them unable to sell to clear their debt. 

In theory the borrowers were expected to pay off their loan at the end of four years. But because the value of the investments plunged so low, it triggered small print in the equity-release contract that allowed banks to demand repayment early.

In the case of those expats with Landsbanki, the bank collapsed and the investment fund was snatched by company liquidators. Then a further problem struck — the value of the pound plunged against the euro. 

Many of the victims were paid pensions in pounds and relied on converting the money into euros every month. The drop meant the value of their pensions fell by a third.

RETIREMENT DREAMS LEFT SHATTERED

Campaigners estimate thousands of British pensioners have lost money through these schemes. Former actress Julia Hilling, 88, fears her home will be swallowed up in repayments to her mortgage from Rothschild Bank.

She was sold the mortgage in 2005 by a Malaga-based British financial adviser. Today, this company is classed as unauthorised by the Spanish authorities. Her property was valued at €300,000 (£249,966) and she took out a loan for €262,000 (£217,827). Around €17,000 (£14,138) was used for living expenses and she put €245,000 (£203,693) in an investment fund. 

Tempted: Julia Hilling, pictured was an actress in the 1940s, says she went for a scheme because she needed to pay bills

Tempted: Julia Hilling, pictured was an actress in the 1940s, says she went for a scheme because she needed to pay bills

Mrs Hilling, who starred in musicals in the Forties and in revues with Sir Bruce Forsyth at the Windmill Theatre, London, had never invested or even had a mortgage before. 

Since 2005, the fund has plunged by around a third and will no longer cover her mortgage. She owes €330,000 (£274,362) and the debt continues to grow. Mrs Hilling says she is unable to cover these costs and fears the bank will take her property when she dies.

‘I needed the money desperately to pay everyday bills while I was out here, as I didn’t want to rely on my family,’ she says. 

Rothschild told Money Mail it would not repossess Mrs Hilling’s home. It stressed it had not sold the investment to her and was not demanding repayment nor had it paid commission. It urged her to contact the bank. 

Another victim is Eric Mould, 64, who after a career in sales moved to a seaside villa in Puerto Banus, near Malaga, in 2007. He and his wife Mary, 60, sold their four-bedroom detached house in the UK to buy a three-bedroom villa with a swimming pool for €1,188,000 (£990,000).

But five years later they are living in a friend’s flat in the town and battling to pay €2,100 (£1,745) a month in mortgage repayments to Danish bank Nykredit.

Shortly after arriving in Spain, the couple borrowed €1 million against their villa with the bank. They say the British financial adviser who sold them the equity-release mortgage told them it would be a ‘win-win’ situation.

They were told they could free up hundreds of thousands of pounds from the mortgage, and the fund would pay off the loan. They believed the investment they were sold separately through Danish bank Sydbank would leave a little extra to boost their pensions.

To cover the mortgage, the Moulds have rented out their dream home. Their friend is letting them live rent-free in the apartment. The couple fear it is only a matter of time before their home is repossessed. And because property values have dropped, they could lose up to €300,000 (£249,966)

‘This has totally devastated us. It is heart-breaking — we face losing the home we worked for a lifetime to buy,’  says Mr Mould. 

Sydbank would not comment on  the case.

Others who took out equity-release schemes with collapsed Icelandic bank Landsbanki have been told it will settle — as long as they pay part of the money owed, in some cases hundreds of thousands of pounds.

One couple, Linda and Frances Barlow, aged 63 and 75, who live in Nice in the south of France, believe the bank’s liquidators will repossess their home by May unless they stump up €1.3 million (£1.08 million).

The liquidators proposed a compromise deal, but it would have required the couple to find €500,000, which they do not have.

The Barlows took only a small proportion of the loan as cash. The rest was invested by the bank, and lost when it collapsed in 2008.

‘We wanted some cash to renovate,’ says Mrs Barlow, a musician from London. ‘We didn’t want to take out a big loan, but the financial adviser told us we were foolish to be sitting on an asset and that we should get an equity release to have an income. Now we are going to lose everything.’

Pensioners fight to keep their homes

Scores of pensioners have launched legal action against the banks and financial advisers who sold them the loans. Solicitor Antonio Flores, of Spanish law firm Law Bird, who is representing some of them, says: ‘Many people are left with huge bills and in fear of losing their homes.’

In February, the European Commission announced plans for an independent ombudsman to deal with mis-selling cases against financial advisers working in the Costa del Sol.

Meanwhile, the Foreign and Commonwealth Office has issued official warnings about mortgage schemes advertised as a way of cutting tax bills.

Any expats thinking of signing up to an equity-release scheme in Spain should check the company is registered with the agency in charge of the Spanish stock market, the Comision Nacional del Mercado de Valores (CNMV).

It will also provide a list of companies that are not authorised to operate in Spain and those that have warnings issued against them. 

Remember to seek independent legal advice before signing a contract.

If you believe you have been a victim of a fraud involving an equity-release scheme, then register a statement with the police.

Seek independent legal advice about taking action through the courts.

If you wish to complain about the performance of your investments, you should first complain to the equity-release company.

After two months, if you are not happy with the response, take your complaint to the Spanish Investors’ Complaints Office: Oficina de Atención al Inversor, Miguel Ángel 11, 28010 Madrid. 

There is also an office at Paseo de Gràcia, 19, 4ª Planta, 08007 Barcelona.

THE FIGHT TO KEEP THEIR HOMES




Wednesday 4 April 2012

New info about statin safety affects millions


U.S. Food and Drug Administration issued new safety information about these cholesterol-lowering drugs that are prescribed to millions of Americans to lower the risk of heart disease. If you're among them, you should understand what the FDA's new guidance means for your health. "Before anyone gets too concerned, you should know that statins are so widely used because they have a long track record of safety and effectiveness," says Dr. Mark Taber, a cardiologist with SSM Heart Institute at St. Joseph Health Center. "All in all, statins have a very high benefit to risk ratio. The widespread use of the drugs, when indicated, probably accounts to a significant degree for the improvement in life expectancy in this country." The FDA called attention to the threat of liver damage as a rare side effect of statins and advised that regular liver enzyme testing is no longer considered useful in predicting or preventing liver injury. "Actually, in general they liberalized the follow up needed for liver function tests on patients taking statins, due to the very low incidence of true liver issues," Taber says. The main warnings related to a slightly higher incidence of developing diabetes while on statins, and a poorly substantiated claim that statins could result in cognitive impairment. Taber points out that cognitive problems, such as confusion or memory problems, were not documented in clinical studies, only by patient reports to the FDA website. "By stating these concerns, the FDA is raising awareness about the potential side effects of statins, but cardiologists already know that there are inherent risks, and we monitor patients appropriately to help ensure that side effects do not occur or are dealt with quickly," Taber notes. "If there is any evidence of a side effect that could be problematic, we can change the medication. But the fact remains that it's important to decrease risk of heart disease, and for many people statins are needed when diet and exercise alone don't result in acceptable cholesterol levels." Whenever a new prescription medication is started, you should look over the package insert to learn about potential side effects. Signs of liver damage, for instance, include fatigue, loss of appetite, right upper abdominal pain, dark urine and jaundice. Any of these symptoms should be reported to your doctor for evaluation. It is important to remember that you should not stop taking a medication without consulting your doctor first. Discontinuing use of a prescribed drug can be far more dangerous than the side effect you're worried about. "All the side effects listed by the FDA are rare, and the risk of heart attack is far more concerning," Taber says. "Some patients may need extra monitoring or may need to try more than one statin before we find the optimal choice, but in general statins are very well tolerated and don't cause problems for the people who take them." The advice above is universal when it comes to your health. Concerns should be discussed with your doctor, and decisions should always be made as part of a team approach to creating a healthy life.

Why don't GPS warn you that statins can harm your memory?


John Holliday had been on a higher 40mg dose of cholesterol pills for only a few weeks when he started to lose his concentration. ‘I’d be watching TV and suddenly find myself unable to follow the plot of a drama,’ says John, 52, a telecoms project manager who lives in Southend-on-Sea, Essex, with his wife Jill, 51, and their two children Adam, 20, and Emma, 16. ‘I’d have to read the same page of a book over and over because I couldn’t take any information in. ‘I’d always been known for my amazing memory — I was great on trivia and had total recall of events that happened 20 years ago, but suddenly I couldn’t remember things and my brain felt fuzzy.’ Just like up to seven million other people in Britain, John had been prescribed a statin to lower his blood cholesterol levels. The drugs are credited by the British Heart Foundation as contributing towards the dramatic 50 per cent fall in deaths from heart attacks in the past ten years. But while there is consensus that statins are lifesavers for people who have previously had a heart attack, concern is growing over their debilitating side-effects. They include muscle weakness, depression, sleep disturbance, sexual dysfunction, muscle pain and damage, gastro-intestinal problems, headaches, joint pains and nausea. Now, official bodies here and in the U.S. have ordered that the drugs must carry warnings for cognitive problems, too. Worryingly, it’s claimed GPs are failing to warn patients of the effect statins can have on the mind — meaning they may mistake them for signs of ageing or Alzheimer’s. ‘When I went back to my doctor after six weeks for a blood test, I told him how dreadful I was feeling,’ says John. ‘But he just said all drugs had side-effects and didn’t mention reducing the dose.’ It's claimed GPs are failing to warn patients of the effect statins can have on the mind - meaning they may mistake them for signs of ageing or Alzheimer's Things came to a head when a friend showed John an electrical circuit he’d built for his car. ‘I’d worked with circuits since I was 16 but it made no sense,’ he says. So John insisted on seeing his doctor again and repeated his concerns about his rapidly declining memory. This time the GP told him he could start on another type of statin when he felt well enough, and so John stopped taking the drugs immediately. ‘It took a few months, but gradually my memory returned and I’ve got my concentration back. I can’t say for sure statins caused these problems, but it seems like too much of a coincidence.’ Earlier this year, the Food and Drug Administration (FDA) in the U.S. ordered statins must carry warnings that some users have reported cognitive problems including memory loss, forgetfulness and confusion. This followed a decision by the UK’s Medicines Healthcare Regulatory Agency (MHRA) to add memory problems to the list of  possible statin side-effects in late 2009. The FDA said reports about the symptoms were from across all statin products and age groups. Those affected reported feeling fuzzy or unfocused in their thought process — though these were found to be rare and reversible. The FDA also warned, following U.S. research, that patients on statins had a small excess risk of developing Type 2 diabetes — but stressed that the benefits of taking a statin still outweigh this. The MHRA had 2,675 reports for adverse drug reactions connected with statins between 2007 and 2011. Officially, side-effects are rare —affecting only 1 per cent of people on the pills — but some doctors say they are under-reported. Dr Malcolm Kendrick, a GP and author of The Great Cholesterol Con, says he frequently sees patients suffering from mental confusion in his job in hospital intermediary care for the elderly. ‘Many of the patients I see will have been admitted to hospital after a fall or similar crisis,’ he says. ‘If they appear confused I’ll often advise taking them off statins to see if it has any effect — in my experience, about 10 to 15 per cent of people who appeared to have memory problems experienced an improvement in their memory symptoms after being taken off the drug. ‘I had one dramatic case where a lady was admitted to hospital on 40mg a day of simvastatin with such poor memory function her family asked me about power of attorney. 'I suggested taking her off statins and within a week her memory had returned to normal. She went home a fit and independent 83-year-old.’ Dr Kendrick says cholesterol is the main constituent of synapses (structures that allow signals to pass between brain cells and to create new memories) and is essential for brain function. ‘It is still not proven that statins have a significant effect on mortality — it has been calculated that a man who has had a heart attack who took a statin for five years would extend his life by only 14 days. 'Too many statins are being given to people at low risk. ‘Even in the highest risk group you need to treat 200 people a year with statins to delay just one death. 'One day the harm these drugs are doing is going to be obvious — the benefits are being over-hyped and the risks swept under the carpet.’ While Dr Kendrick’s controversial view is in the minority, one large review of 14 studies by the London School of Hygiene and Tropical Medicine, published by the highly respected Cochrane Library last year, concluded there was ‘little evidence’ cholesterol-lowering drugs protect people who are not at risk of heart disease. This review has been criticised by other doctors who say side-effects are rare and that there are still benefits even for people at lower risk who do not have established heart disease. These defenders of statins include Professor Colin Baigent of the Clinical Trial Service at Oxford University, who published research in 2010 showing statins reduced deaths from all causes by 10 per cent over five years. ‘There is relatively little evidence of cognitive impairment — what evidence there is all comes from observational studies.  ‘People read about side-effects and then put two and two together and blame the statins for their muscle pain or other health problems — it’s just not reliable evidence. ‘If you look at the best-quality randomised controlled trial where patients don’t know if they are taking a statin or placebo, there is no evidence of memory problems. 'Even the FDA says the risks of cognitive problems are very small and go away when statins are discontinued. ‘We’re in danger of forgetting just how effective these drugs are.’ Dr Dermot Neely of the charity Heart UK, and lead consultant at the Lipid and Metabolic Clinic at the Royal Victoria Infirmary in Newcastle, agrees side-effects with statins are rare. ‘I’ve been dealing with patients on statins since 1987 and I can count on the fingers of one hand the number whose memory symptoms turned out to be caused by statins.’ However, he said he often saw patients who had not been told about side-effects. ‘It’s important GPs are clear about the drugs statins can interact with, such as certain antibiotics, as this can get overlooked. ‘If a patient notices an adverse effect after starting statins, they should discuss this with their GP —but not stop their drugs suddenly because this can be dangerous.’ Sonya Porter, 73, decided to stop taking statins after her memory problems became so bad that she walked away from a cashpoint leaving her money behind. ‘I was permanently fuzzy-headed and just couldn’t seem to concentrate,’ says Sonya, a retired PA from Woking, Surrey. Then I started to get scared I might have Alzheimer’s. After reading about memory problems associated with statins, I thought it was at least a possibility. I decided to come off the pills to see if it made any difference. ‘I didn’t ask my GP, I just did it — I’d rather die of a heart attack than Alzheimer’s disease. Within a month I felt normal again and didn’t have any problems with memory. ‘I’m terrified that I could have been misdiagnosed with Alzheimer’s.’ John Holliday is also reluctant to go back on statins. ‘I wouldn’t rule it out completely — my latest test showed my cholesterol levels have gone up,’ he says. ‘But on balance, I’d rather take my chances with heart disease than feel as confused as that again. It’s all very well living slightly longer — but it’s about quality of life, too.’

Monday 2 April 2012

Salou, the northern Spanish town where thousands of British students flock every spring for four nights of drunken debauchery.

It was a case of deja vu last night for the long-suffering residents of Salou, the northern Spanish town where thousands of British students flock every spring for four nights of drunken debauchery.

For the twelfth time, the Costa Dorada resort has been overrun by Saloufest, the notorious annual sports tour returning for another round of hard drinking, half-naked partying - and the odd day of volleyball or hockey.

The first pictures released from this year's event paint a familiar picture: packs of fresh-faced revellers in proudly ridiculous fancy dress, their flesh largely bare and arms aloft as they stagger and bellow through the streets.

On the march: British students wrapped in flags as they head out for the first night of parties at SalouFest in Salou, Spain

On the march: British students wrapped in flags as they head out for the first night of parties at SalouFest in Salou, Spain

Fireman's lift: A British student makes off with a fellow reveller as the Saloufest parties spill out on to the streets

Fireman's lift: A British student makes off with a fellow reveller as the drunken Saloufest parties spill out on to the streets

Culture clash: Two young women match geisha-style makeup with pink bum bags for a night out in the Costa Dorada resort

Culture clash: Two young women match geisha-style makeup with pink bum bags for a night out in the Costa Dorada resort

The first 5,000 of a total 8,200 people are said to have made the trip from Britain's universities yesterday, marking an increase of 1,000 on last year.

Police say the first night of the tour passed without any arrests being made - but past form suggests they won't be holding out much hope for an easy ride.

 

Last year's event saw officers launch a crackdown on any students caught drinking in public, putting an end to the days when the locals would turn a blind eye to those flouting Salou's alcohol bylaws.

The town also decided to uphold rules preventing the Saloufest partiers from roaming around town half-naked.

The 2011 tour saw two toga-wearing students hauled off to a police station and fined £265 for breaking the alcohol laws.

This year the local authorities have handed out leaflets warning British visitors not to drink on streets and beaches, while those found stumbling around shirtless can expect to face the consequences.

 

Riot of colour: There's no missing these Brits abroad as they pull on garish tones and leggings for a debauched night in the Catalan village

Riot of colour: There's no missing these Brits abroad as they pull on garish tones and leggings for a debauched night in the Catalan village

Rowdy: Four students holler from the terrace of a nightclub during the first night of booze-soaked parties

Rowdy: Four students holler from the terrace of a nightclub during the first night of booze-soaked parties

Sitting comfortably? A show of bravado sees one British student doing a press-up as another sits on his back

Sitting comfortably? A show of bravado sees one British student doing a press-up as another sits on his back

Spanish media reports that ILoveTour, the firm that organises the festival, has some 30 supervisors on hand to babysit the horde of 18-to-23-year-olds.

One account, from Spanish newspaper El Pais, talks of streets streaked with vomit and urine, disoriented youths, deafening noise and riot vans on standby.

Despite local opposition, hoteliers in the area support Saloufest because it extends the holiday season and is timed so as not to interfere with the influx of Easter tourists. 

In an effort to keep the peace, some of the seven hotels set aside for the event have opted to separate their British guests from other holidaymakers.

The basic festival package sees students shell out £189 for coach travel and four nights in two-star accommodation, with optional extras including day trips to nearby Barcelona and Port Aventura.

Shameless: A passerby cheers as two partygoers get up close and personal outside an Irish-themed bar

Shameless: A passerby cheers as two partygoers get up close and personal outside an Irish-themed bar

 

In the gutter: The week-long tour has barely begun, but Saloufest seems to have taken its toll as these two huddle on the pavement outside a nightclub

In the gutter: The week-long tour has barely begun, but Saloufest seems to have taken its toll as these two huddle on the pavement outside a nightclub

Sin city: Dog collars and a novelty cross pass for fancy dress on the streets of Salou

Sin city: Dog collars and a novelty cross pass for fancy dress on the streets of Salou

 

Tribes: Clusters of UK students stagger through the village in fancy dress. A vague cavewoman theme finds this pair draped in animal print

Tribes: Clusters of UK students stagger through the village in fancy dress. A vague cavewoman theme finds this pair draped in animal print

Bookish? A mob of Saloufest drinkers in 'geek' fancy dress, one of the go-to costume themes for student union club nights up and down the UK

Bookish? A mob of Saloufest drinkers in 'geek' fancy dress, one of the go-to costume themes for student union club nights up and down the UK