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Firework Advice Top tips for a pawsitive fireworks season
Winter Walkies Check out the top accessories to be safe and be seen Ask the Vet Your pet health and wellbeing questions answered Your chance to win £1,000 Cast your vote in the Moneyfacts Consumer Awards 2022
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Fireworks Pet news Winter walks Ask the vet Festive foods for pets to avoid Why having pet insurance is a good idea Pet pawtraits Parasites Pet horoscopes Quiz Problem cat Quiz answers
This is our lifetime package of protection. It provides your pet with lifelong cover for ongoing illnesses and injuries. In addition to the bundle of benefits on offer, you can flex your vet fee cover between £2,000 and £12,000. A lifetime policy to suit your needs and your budget. Our LifetimeFlex cover includes: A choice of veterinary fee cover between £2,000 to £12,000, reinstated each year Complementary treatment as recommended by your vet Additional benefits including third party liability cover (dogs only), advertising & reward, holiday cancellation, boarding and kennel fees cover, emergency treatment abroad, and many more benefits
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Welcome... to the very first edition of #BestForPets magazine, dedicated to helping the nation’s pawrents do the best for their pet’s health, protection and wellbeing.
As the season changes and the winter months draw in, we’re focussing on how to keep your furry friends happy and in high spirits through the colder, darker months. No need to be downbeat, you could win £1,000 just by filling in a very short survey in the Moneyfacts Consumer Awards 2022 (please see page 9). We’re scampering in to ensure our canine companions and their two-legged friends can enjoy dark walkies safely and in style with our ‘be safe, be seen’ winter dog walks feature. Here you can check out some great products to help you both strut your stuff in a visibly fashionable way! Cats don’t miss out. As we’re all aware, our feline friends like the odd scramble up our festive trees. We’re offering you a helping paw with a few simple tricks to avoid her getting into a pickle and your Norwegian Spruce taking a tumble with our cat v Christmas tree top tips. Avoid tummy troubles over the festive season by checking out the list of tempting treats that are not a good idea for our pets to snaffle.
We’d love to share your pet pics for future issues, so please do email their pawfect pawtraits to email@example.com. We’ll pick a few to receive a special #BestForPets goodie bag. Please include their name and anything else you’d love to tell us. Our vets are also on hand to help you with any pet care and advice questions you may have, so do send them in to the email address or let us know on our socials (details opposite). If you’re worried about your pet for any reason, please do speak with your veterinary practice in the first instance. Check out our ‘Ask the Vet’ section on pages 12-13. Thanks for reading. Issue two will be pouncing out in January, ready for all that New Year motivation! Best wishes, Team #BestForPets
The #BestForPets magazine team Editor: Rebecca Gardiner Designer: Dani Dixon Design www.danidixondesign.co.uk Contributors: Rebecca Gardiner, Audra Shreeve, Animed Direct, Knox & Devlin, Springfield Vets, Barry Veterinary Centre. Clinical contributor: Sinead Bennett
MiPet Cover is a trading name of CVS (UK) Limited which is an appointed representative of Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales number 02982445. Registered office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at www.fca.org.uk/register.
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Helping your pet stay calm during fireworks season
Canine and feline pheromone products can help relax your pet in strange or stressful situations. They’re available as a spray (great for around a den) or a plug-in diffuser. They’re best used a couple of weeks before fireworks start and can help to encourage your pet to relax. Can medication help?
HPC members benefit from 10% off pheromone products in practice
Increasingly popular at celebrations, fireworks can be very traumatic for our pets. For some pets the loud sudden noises, bright colours and flashing lights are scary but the fear is eased with some home remedies. For other pets the fear of fireworks is a sign of true noise phobia.
What if the noise phobia is severe?
Make sure outdoor cats are provided with a litter tray when kept inside overnight.
When fireworks do start, try and act as normal as possible.
Fear of loud noises can be specific to fireworks, but for some dogs this will extend to fear of gun shots, crow scarers and some traffic noise. Those truly affected dogs are at serious risk of self-injury during periods of fireworks, alongside potentially severe mental stress. Noise phobias are often deep rooted and can be difficult and time consuming to resolve. The majority are treatable but with patience and hard work. The most appropriate way to attempt treatment at home is by purchasing a noise desensitization CD. These are recordings of loud sounds such as fireworks. They should be played during daylight hours while the dog is relaxed, starting at a volume barely audible to human ears. Once the dog is paying no attention, the volume should be gradually increased until the dog is tolerating a high volume. This process can take months, so should be started in spring well in advance of bonfire night. If desensitization using a recording is not progressing, you should consult the advice of a specialist veterinary behaviourist. They will assess your individual circumstances and work with you to help. Your vet can put you in touch with a recommended professional in your area.
Make sure identity tags and microchip details are up to date so that if your pet does run off they’re able to be reunited with you.
Cats should be kept indoors.
Dogs should be walked before dark so they’re
Some simple changes around the house can help reduce stress for both dogs and cats How to help at home
home before any fireworks start.
Keep curtains drawn to block flashes of light and play the television or radio to cover some of the noise.
Small furries can be brought inside if they
Both dogs and cat may appreciate a den to hide in. A dog crate is ideal; cover with a thick blanket containing a comfy bed and one or two favourite toys.
have movable hutches. If this isn’t possible, cover their accommodation with blankets to dull the noise and provide plenty of hay for them to burrow into.
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You could get your paws on £1,000! Moneyfacts
Reunited We often hear stories of pets travelling many miles and being reunited back with their owners thanks to microchipping. Recently in the news, two-year- old pupster, Cherry, was taken from her Northampton home only to end up in Brighton after being sold on by her kidnappers. When her new owner discovered Cherry did not get on with his other dogs, she was taken to a rescue centre only to have her chip scanned and her original owner was contacted. Viv Joyce believed she would never see her beloved Cherry again, but was reunited thanks to her microchip. Following an announcement by the government in May this year, it will soon also become law for cats to be microchipped as part of the Action Plan for Animal Welfare.
Cat vs Christmas Tree Christmas trees can be a festive problem because a lot of cats tend to have a fascination with them. Older cats who enjoy a quiet life may not be very interested but for the more mischevious and curious kitty, a fully decked tree can be one big shiny temptation which could lead to issues. Making your Christmas tree smell unappealing One of the best ways to discourage your cat if they venture near the Christmas tree is to make it smell unattractive to them. A lot of cats really dislike citrus smells, and will actively avoid an area where this is present. Using a citrus deterrent in the vicinity of your tree can therefore be effective – just make sure that your cat can’t get hold of any cotton wool balls or peel that you use for this purpose. Another option is to spray the base of your Christmas tree with diluted vinegar. If your tree is usually up for a few weeks, it’s best to ‘top up’ the deterrent smell so your cat doesn’t get too used to it and are no longer put off by it. Another thing to try is wrapping aluminium foil around the base of your Christmas tree to discourage climbing.
Did you know that you could win £1,000 simply by choosing your favourite pet insurance provider? Moneyfacts is offering three cash prizes of £1,000… just think, you could treat yourself and your four- legged friend to some furbulous new things. Don’t paws for thought, vote now in the Moneyfacts Consumer Awards! You have until Friday 19 November, with winners announced in January.
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Insurance Choice Awards
MiPet Cover has been named as a Best Pet Insurance Provider finalist in the 2021 Insurance Choice Awards. The awards are now in their sixth year and are 100% voted for by consumers. Smart Money People’s aim with the awards is to find insurance companies and partners who are most dedicated to putting their customers first.
The winners will be revealed on the 4 November in a virtual ceremony. Fingers and paws crossed!
Have you seen our #BestForPets video? Our new video pawmiered in October and explains the differences between preventative health care and pet insurance…be prepared for cuteness overload!
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Winter Walkies Be safe, be seen
Three great accessories for dark dog walks
A reflective collar will alert others to your dog’s presence. Try this Animate Walking Mate soft nylon LED dog collar , a top quality attractive LED collar that’s available in three colours and a range of sizes.
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Shine bright like a diamond in this Petlife high vis dog jacket . This lightweight Hi-Visibility thermal dog coat is pawfect for keeping your dog safe and warm during long, cold, dark nights and mornings.
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With darker nights already upon us, many dog owners will have little choice but to take their dogs on an evening walk due to the shorter daylight hours. If you’re going to be one of them, it’s important to keep both yourself and your dog as safe as possible. This can potentially be a very dangerous time of year, not least because of the lack of visibility. Here are our tips for being safe and being seen on dark winter walks.
The Orbiloc Dog Dual Safety Light is a high quality, durable LED safety light which helps make sure that both you and your dog are visible to others when out walking in the dark, reducing the risk of being involved in an accident or dangerous situation.
Keep your dog on a lead It’s best to keep your dog on a lead throughout your walks for maximum safety. It’s not at all uncommon for them to become disorientated, especially at times where there’s snow or ice on the ground. Even without this, there‘s still big possibility for your dog to become anxious or distressed. Strange noises from wildlife that they cannot see well, or at all, can scare your pet into running off, even if they pose no obvious threat. There are a number of dog-friendly, wearable products available that are both practical and stylish while you strut the streets in the dark.
Make them visible Make sure that your dog can be seen easily by motorists, cyclists and pedestrians during your walks. Visibility may range from poor to non- existent in areas that are badly lit and others may have no way of knowing that you are there until it’s too late. Reflective clothing and a head torch can be invaluable for highlighting your presence, as can LED lights on your dog’s leash or collar.
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I’ve noticed that my puppy has had hiccups for the past few days. Is he OK? Puppies commonly get hiccups and this is of no concern. They gradually grow out of this as they get older.
Even though she is well fed, my cat is eating grass? Should I be worried? Both cats and dogs enjoy eating grass from time to time – if you watch them they are very selective and are looking for the sweet ends on new growth. Sometimes the grass will get caught at the back of their throat and cause them to wretch or even vomit, which is where the common thought that they do it to make themselves sick comes from. Occasionally a blade of grass can become lodged at the back of the throat behind the soft palate, which can need removal under general anaesthetic.
My dog is barking more than usual, is this a sign that something might be wrong with them? It could be that your dog can hear something you can’t which is causing them distress. Also if your dog is an entire male then a bitch in season may cause them to bark and whine. Dogs can smell a bitch in season up to three miles away.
Why does my dog chase his tail? As much as it’s entertaining, I do hope he’s OK! It’s a completely natural behaviour for your dog to chase their tail. If they are biting at it or traumatising it then it may be best to get them checked by a vet.
How many meals a day should my 8 year old Labrador be having? He walks for 20 minutes twice a day and has some garden time. He also sleeps a lot! This varies from dog to dog, some have one meal a day, others have their food split into two meals a day (puppies need more). You should examine the packaging for the food that you feed them to check how much of the food they should get on a daily basis. Remember that these feeding guidelines assume that you don’t feed your pet anything else, which we all do, so for every extra snack they get you need to lower the amount of food they get in their meals. Most vets offer free consultations with nurses to discuss feeding and help to prevent weight gain or tackle obesity if it’s already got a little out of control.
My cat is obsessed with scratching the sofa and carpets - is there anything I can do? Although we think of cats as a predator they are also a prey species and their claws are important for not only catching food but also for defence. This is why cats like to keep their claws in tip top condition and they do this
by finding a scratching place. So providing them with somewhere to sharpen their claws such as
a scratching post or scratch mat can help save your furniture from destruction.
Provided by Sinead Bennett, Clinical Director.
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Festive foods for pets to avoid
Alcohol even in a small amounts, the effects of alcohol could cause
There’s always plenty of delicious food and drink around durign the festive season and it can be just as tempting for our pets to snaffle it as it is for us. However, no matter how much your pet might want to share your tasty treats, it’s important to resist giving in to them.
your pet to become disorientated, find
breathing difficult and, in the worst case, death.
You might think that you’re making your pet happy, but you could actually be doing them more harm than good. Plain turkey meat won’t hurt your pet, but there are some foods that really could make them unwell. Here are the foods your pet should avoid this festive season:
Turkey bones You may think that giving your pet the chance to eat the scraps of meat off the cooked turkey bones is the perfect Christmas treat. However, this can actually be very dangerous as turkey bones are hollow, which means they break easily. Not only does this mean your pet might choke, a splintered bone might cut your pet’s intestines or stomach.
Chocolate can be very dangerous for dogs and if consumed in large amounts can be life threatening. It’s important to remember the toxicity of chocolate depends on the dog’s weight, type of chocolate as well as the amount the dog digests. Chocolate contains the ingredient theobromine, which for humans is easy to digest, but for our furry friends, not so much. Within large amounts, chocolate poisoning can produce various reactions, such as muscle tremors, seizures, an irregular heartbeat, vomiting, diarrhoea and rapid breathing. If you really do want to give your pet a treat, buy them their own specially formulated cat or dog chocolate.
Grapes and raisins contain a toxin that can damage your cat or dog’s kidneys. Don’t forget that raisins are also a key ingredient in Christmas pudding, fruit cake and mince pies, so keep these away from your pet too. If your pet ingests grapes or raisins, they may show any of the following symptoms; Loss of appetite, lethargy or weakness, abdominal pain, dehydration, increased thirst, increased or decreased urine production, vomiting and/or diarrhoea.
Nuts can be a serious choking hazard for your pet (even if they chew them, the shells can get stuck in their throat). Some nuts contain toxins that can be dangerous. Macadamia nuts contain a toxin that can affect the functioning of your dog’s digestive, muscle and nervous systems, resulting in weakness, breathlessness and swollen legs. Pecans and walnuts are too high in fat as well as being too large and difficult for dogs to digest. They often cause an upset stomach, even in small quantities, and are best avoided and kept out of your dog’s reach.
Keep leftovers out of reach
It’s important to consider that, even if you don’t actively give these foods to your pet, they may be able to get to them in other ways. Be sure to clear plates and put wrappers and boxes into a bin out of the reach of paws. Even the smallest trace of some of these festive food products can make your pet unwell. Buying your pet their own treats can be a good way to distract them from wanting your own festive food. If you suspect that your pet has accidentally eaten any of these foods over the Christmas period, or at any other point in the year, you should not hesitate to seek advice from your vet.
Onions and garlic are staple ingredients in cooking, especially at Christmas, but are toxic to dogs and cats. They contain a substance called tiosulphate, delivering a toxic compound that damages the oxygen-carrying substance found in red blood cells called
hemoglobin. The toxins damage the red blood cells, causing anaemia, and in more severe cases can lead to organ damage, organ failure, or even death.
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Ollie’s Story We had Ollie in October 2018. When we knew he was going to be living with us, I called the vets to register him and get his vaccinations. We already had another cat, Bella, who was already insured so it was also a must for Ollie.
things including grass and trees and is now on immunotherapy and will be for the rest of his life. Without his insurance, we would have been in financial distress.
Why having pet insurance is a good idea
The vets now deal with MiPet Cover directly so we don’t need to worry. It was so simple to set up and has allowed us to get the treatment Ollie really needs. Ollie is now feeling much better but it is still something that he battles every day. I would urge anyone with a pet to get them insured. I hope you won’t ever need to claim it, but if you do, MiPet Cover will be there to help. Thank you to MiPet Cover and to all the staff at Abbey Vets for taking care of my boy.
In the summer 2019 Ollie started to lose his fur and had lesions on his body. He also had an infection in his paw. This was costly so we claimed on his insurance. Since then, Ollie has under gone various tests and been on medication to try and find out what was going on. Ollie has severe allergies to lots of
Only 25% of dogs are insured
Only 14% of cats are insured *
Average claim for a road traffic accident is £773.11
16% of policyholders needed to make a claim during 2020
41% of our claims were for younger pets aged 0-2
Claims are assessed in an average of 4.7 days *
Pets that got sick by eating grapes and raisins had claims averaging £577.62
Source: MiPet Cover claims, June 2020-June 2021 *Source: ABI 2021
Source: MiPet Cover claims 2020 * Aug 2020-Jul 2021
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A big thank you to:
Barry Veterinary Centre
Knox & Devlin
To see more #petselfies click on the Facebook icons.
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Fleas are common parasites in cats and dogs. They can act as vectors for a number of infections, including some that affect humans.
A flea jumps onto an unprotected pet.
Keeping your pet healthy and happy is every pet owner’s goal. Here at The Healthy Pet Club, our schemes cover everything your pet needs to keep up to date with their preventative health care. In this issue, we focus on parasites and why it’s so important to keep your pet protected through treating them with monthly flea and worm treatment – included in your Healthy Pet Club membership.
Once hatched, a flea will look again for a host and a meal! An adult flea can live for up to 160 days on one or more hosts.
It starts feeding immediately on the pets blood by biting them.
They hatch from an egg into a small six-legged nymph.
Life cycle of a flea
Female fleas start laying eggs within 24-48 hours – up to 50 per day!
Pupae hatch into adult fleas but this can take up to six months!
Ticks are blood sucking parasites that can infest our pets. They can also live on humans too. Each life cycle stage feeds once on a new host after actively seeking for their hosts by climbing up stalks of tall plants such as blades of grass.
This then looks out for a large mammal (i.e. your dog or cat!) onto which to feed and mate. This can take about 3 weeks.
Life cycle of a tick
Eggs fall off into the environment and hatch into larvae within 1-10 days.
They then turn into pupae – a hard shelled structure, which is very hard to kill.
Larvae feed on flea dirt and crawl to find dark crevices and corners.
The next stage nymph may find a larger mammal, then eventually the nymph moults into an 8 legged tick.
This nymph will find a suitable host such as a mouse to feed on.
Fleas are a major cause of irritation and skin disease in pets and they are also a vector for the flea tapeworm. This is an important reason for making sure your pet has protection against fleas, since human ingestion of an infected flea can transmit this worm to the human gut where it can thrive.
Tick borne diseases
Ticks attach themselves by burrowing their heads into the skin. If this happens, the skin often reacts leaving a nasty inflamed sore which can get infected. In addition, and more worrying, is that they can transmit some very nasty diseases including Lyme disease and Babesiosis.
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Scorpio (23 Oct-21 Nov)
This worm causes serious health problems in dogs and can be fatal if not diagnosed and treated. It particularly affects young dogs and there are pockets of the country where the parasite is more prevalent than others.
Round worms are very common and they look a bit like small spaghetti with adults measuring as much as 15 cm in length. Most puppies and kittens are born with some worms as they can get them via their mother’s milk. If they have a lot of worms it can make them poorly with tummy upsets and failure to thrive. Later on in life for protection against these parasites, pets still need to be wormed regularly as they never develop an immunity to them, although they are less likely to be poorly as a result. The simple life cycle means that eggs are passed out in faeces into the environment. Here they can survive for years until they are eaten by an intermediate host such as a mouse. Pets are then infected by eating the eggs direct from the environment or from under-cooked meat. Humans can be infected by ingesting infected eggs from the environment which has been contaminated by dog, cat or fox faeces. These hatch into larvae which can cause serious diseases and even blindness – this is very rare.
As a Scorpio pet, you certainly know how to coax your humans into giving you extra treats, cuddles and, for dogs, adventurous walks. Be sure to maximise these opportunities the best you can, life is for living! Try not to be so possessive with your toys, it’s nice to share. When no one is looking, why not have a little dance? After all, you have the best moves.
Dogs become infected by ingesting slugs, snails or even just their slime.
Sagittarius (22 Nov – 21 Dec)
These larvae pass out in the faeces and are eaten by slugs and snails completing the cycle.
The larvae develop into adults in the dogs heart and arteries.
As a dog who love their travels, where will you scamper off to this season? The stars suggest a holiday is on the cards, so why not get involved in the plans and have a nose through any brochures you find scattered around? A quick wag of the tail and you could easily whip it off the coffee table onto the floor for a good paw through! For cats, be weary of your travel box appearing. As always, it can be great fun giving your two-legged friends a good old game of hide and seek. Keep your eyes peeled for luggage or passports… then it’s time to make your move.
These adults lay eggs which hatch in the lungs and the larvae are coughed and swallowed.
Tapeworms It is really important to treat pets regularly for tapeworms as although even infected cats and dogs can remain free of clinical disease, they act as carriers for the life stages of the worms that can seriously affect animal and human health. The worms mature and live in the pet’s intestine before eggs pass into the environment. Once in the environment they infect an intermediate host such as a sheep, which can then develop life threatening cysts in its organs. This can also happen to humans and is called hydatid disease.
Capricorn (22 Dec – 19 Jan)
As a Capricorn pet, you’re probably used to be extra spoilt around this time of year with new treats and toys. As active dogs, why not make the most of the crisp winter days with a nice run… have you tried Canicross yet? You can read all about the tips in pawing the line in our running blog . For cats, why not pounce into the new year by learning something new? With all those goodies you received during the pawlidays, you could certainly find a way impress your housemates. Go for it!
Join The Healthy Pet Club today and receive monthly flea and worm treatment, annual vaccinations, a 6 month health check and much more here
Save up to £200 a year *
Spread the cost of your pet’s vital preventative health care
Can you find all the cats? R E E D B E P U R R M E A R I S D B D I L O A J R T R V C E X O A S I K D C O A E N S B B O N L O B A H G A L E E H E T S E S G K D E L N M C A P B E L L B O K G N O B H E X O T I C L A V O B Y M Q U I K L E L E N Y N E P E R S I A N K C I X E C A E M E O W E A T B A L I N E S E H W T E W M E S H O R T H A I R C V J K L O P T T O O S
Ragdoll Exotic Maine Coon Cat Shorthair
Our plans for dogs, cats and rabbits ensure your pet is well looked after, whilst saving you money. As your pet goes through each stage of life, keeping up with their preventative health care is important to help them stay protected and healthy.
Persian Sphynx Bengal Balinese
When you join The Healthy Pet Club, your pet’s routine health care is covered, so you don’t have to worry. The following benefits are included:
Tabby Meow Bell Purr
20 by 10 orthogonal maze
Find the treats...
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See page 27 for the answers
* Savings are based on the cost of purchasing these benefits separately (taking average prices charged across a sample of CVS practices) which would result in an average annual saving of up to £200 (more for larger breeds). Benefits, costs and savings vary depending on the type and size of your pet.
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Can you find all the words? R E E D B E P U R R M E A R I S D B D I L O A J R T R V C E X O A S I K D C O A E N S B B O N L O B A H G A L E E H E T S E S G K D E L N M C A P B E L L B O K G N O B H E X O T I C L A V O B Y M Q U I K L E L E N Y N E P E R S I A N K C I X E C A E M E O W E A T B A L I N E S E H W T E W M E S H O R T H A I R C V J K L O P T T O O S
Q Dear Problem Cat, I’m an enthusiastic, happy, waggy, offerer of love and attention, but my fellow housemate (Cookie the Maine Coon) rejects my adorable self, always even kicking me out of my own bed and giving me evil stares. How can I win her round so we can be the bestest friends forever and ever? Bailey, Abergavenny A Hey Bailey, let me guess, you’re a dog, right? That’s your problem. Maybe try to be more cat, stop being so needy and annoying and accept you’ll never live to the same standards as us royal felines. Q Dear Problem Cat, my human keeps on asking me ‘who’s a good boy?’. I don’t know the answer and now it’s really starting to bug me. Do you know who it is? Milo, Inverness.
Our resident moggy, who has requested they remain anonymous in fear of being stroked and fussed over in public, answers your pet’s dilemmas. To send in your woes, please drop Problem Cat an email on firstname.lastname@example.org . She might bother to answer. Or maybe not. You know what cats are like… Q Hey PC, I just don’t get it. I bring delicious gifts home for my humans, only to met with screams and shock about their gruesome gifts. I mean, who doesn’t love receiving a half-eaten mouse at 7am of a morning to show that someone cares. What should I do? Sheeba, Coventry A Firstly, why are you grafting for the sake of your humans? It should be the other way round! We know their only job in life is to serve us. Now, where was I? Oh yes… well, I’d say that if you feel they are not being grateful, it might be that you’re not bringing them enough, so maybe pop out and catch a few more. They don’t even need to be half eaten. In fact, humans can get much joy from chasing small squeakers around the house and it keeps them on their toes. Popping one in a slipper is also great fun too. Simply sit back and watch the show from the comfort of your snuggly empire.
20 by 10 orthogonal maze
Find the treats...
A Hello Milo. Sorry, not a clue.
Four weeks’ free WalkawayCover + Puppy & Kitten Healthy Pet Club membership = The best start in life for your new pet
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thehealthypetclub.co.uk Puppy & Kitten Club
Kitten or puppy must be between eight weeks to one year of age and is subject to a CVS health check. WalkawayCover covers illness and accidents instantly. Not all breeds of dog are eligible. MiPet Cover is a trading name of CVS (UK) Limited which is an appointed representative of Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales number 02982445. Registered office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at www.fca.org.uk/register.Page 1 Page 2-3 Page 4-5 Page 6-7 Page 8-9 Page 10-11 Page 12-13 Page 14-15 Page 16-17 Page 18-19 Page 20-21 Page 22-23 Page 24-25 Page 26-27 Page 28
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