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CONTENTS 06 10
Julia Lopez Political Update
James Blower The Savings Guru
14
Wear A Hat Day
20
What’s On
For Brain Tumour Research
When and Where...
This year seems to be passing so quickly as we are already into March. The schools have had the first half term holiday of the year and soon it will be Easter! Looking back at the welcome note for last month I mentioned how cold it was and asked that you keep an eye out for vulnerable neighbours. Since then we have had a real mixture of weather ranging from record breaking highs back to being cold! However, the mornings and nights remain cold so do be careful. Don’t forget it’s Mother’s Day on Sunday 31st March. So, a real opportunity to spoil Mum and let her know how much she means to you. As always, we are most grateful to our advertisers and contributors. If you have an opportunity to use any of our advertisers, we would encourage you to do so and please mention that you saw their advert in Around Town. Also, if you would like to contribute any editorial or have a listing for our What’s On section then please get in touch via our email admin@aroundtownmagazines.co.uk. Until next month, wrap up warm!
Copyright 2019. Around Town Upminster is an independent magazine and does not endorse the products or services that appear in the magazine. Opinions expressed in Around Town do not necessarily represent those of the editors of Around Town Magazines. Around Town Magazines are published by Black Square Print Media Ltd produced by Black Square Litho Ltd.
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of a new scheme he is launching in relation to biodiversity net gain. This was subsequently formally announced in the Spring Statement and will mandate that the delivery of infrastructure and housing must not be at the expense of biodiversity. I shall continue to work closely with the Forest Trust on these issues to ensure any mitigations will lead to an overall improvement to accessible green spaces in Upminster and Cranham.
Julia Lopez
Member of Parliament For Hornchurch and Upminster
I was delighted to welcome Environment Secretary, Michael Gove MP, to the constituency last month to visit the Thames Chase Community Forest in Upminster. I wanted him to see first-hand the fantastic work of local volunteers in restoring London’s lost landscapes and making green spaces accessible to all. Trustees showcased the Land of the Fanns project, an ambitious five-year initiative to restore, discover and celebrate the capital’s landscapes as they once were after decades of fragmentation and damage from major road building, settlement growth, quarrying and land fill in and around the M25.
The Trust is also passionate about improving accessibility to the countryside for everyone, and Mr Gove officially opened the Forest’s new Changing Places facility which makes it easier for families with disabled children or relatives to enjoy the outdoors. I was keen to give the Forest Trust more leverage in their dealings with the Lower Thames Crossing, and in this regard the Secretary of State advised us
6
On this note, I am aware of residents’ concerns about the proposed disposal by Havering Council of the Upminster Mini Golf course and its planning application for new homes. Given the strength of feeling over this application, I have met senior council officers to make them aware of the local concern about the loss of public amenity, and my parliamentary team are compiling all correspondence we have been receiving on the mini golf course in order formally to submit it to the planning committee. Policing and crime have always been top concerns among constituents who write to me, but since the untimely and despicable murder of Jodie Chesney in our constituency, further questions have understandably been raised about sentencing for knife crime, resource at police and council level and the best methods to keep control of the streets. I have written before about the work I have been doing on these issues, including meetings with the Prime Minister and Home Secretary to secure up to £172 million extra for the Met this year. Further to specific representations I have made following the tragic events in our constituency, however, the Chancellor has now allocated an additional £100 million to
bearing down on knife crime that will be available to police forces immediately, focused on the Serious Violence Unit. New sentencing guidelines brought in over the summer are expected to lead to more people going to jail for carrying knives although average sentences for such crime have already been going up, with more people going to prison for such offences. However, there will soon be a parliamentary debate on this to which I shall contribute constituents’ thoughts. Meanwhile, my team and I had an extensive one-to-one meeting with Commander Gwillim, our Borough Police Commander, at which we discussed an increase in deploy stop and search locally and the use of facial recognition technology in town centre hot spots. Regular readers will be aware of my ongoing campaign for a new health centre on the former St George’s Hospital site on Suttons Lane, Hornchurch. I have now had my meeting with Health Secretary, Matt Hancock, which was very positive, and I am hopeful that changes he is bringing in to help health authorities retain NHS land will lead to a breakthrough.
As ever, if you have a problem you think my team and I can help you with, please drop us a line! Or if you would like to come and have a look around parliament, we can book you in for a complimentary tour. Julia.Lopez.MP@parliament.uk 0207 219 2631 www.julialopez.co.uk Twitter: @julialopezmp House of Commons, London, SW1A 0AA
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9
Are Cash ISAs (Individual Savings Accounts) still worth it?
A
s we approach the end of the tax year, we increasingly get asked by savers whether it is still worth their while saving in a cash ISA. With interest rates typically much higher on ordinary savings accounts, and the introduction of the Personal Savings Allowance in 2016, many savers question whether there’s any point in saving in a Cash ISA anymore. The Personal Savings Allowance In 2016, the government introduced a Personal Savings Allowance which means that basic rate tax payers can earn £1,000 in savings interest before needing to pay tax and higher rate tax payers can earn £500 before paying tax. As a result, banks pay interest without any tax deduced now whereas previously you had to fill in a special form for this to be done or tax would automatically be deducted. This means a basic rate tax payer could have over £65,000 in the top paying instant savings account (1.51% from Family Building Society) and not pay any tax on the interest. Higher rate taxpayers will need £33,000 or more to tip over the allowance. What is the difference between Cash ISAs and ordinary savings accounts? A cash ISA is not dissimilar to an ordinary savings account, it’s just got a tax wrapper around it which means savers aren’t liable to pay tax on the interest they earn. Think of it like a two chocolate bars, one still in the wrapper and one out of it – they are the still the same chocolate bar! The main difference is the interest rates charged on the different accounts. In the early days of ISAs, there were some very competitive rates as providers fought for your cash ISA savings. In 2019, it is a very different situation with ordinary savings accounts often paying more than their cash ISA equivalents – sometimes considerably more. For example, the best one year fixed rate is 2.20% whereas the best one year ISA pays just 1.74%. Similarly, on a five-year fixed 2.70% can be found on a standard account whereas the best five year ISA is 2.15% by comparison.
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So, are cash ISAs pointless now? For the vast majority of savers, there will be little or no immediate financial benefit to open a Cash ISA instead of a traditional savings account. However, there are exceptions and the following types of people should still consider them: 1) Existing Cash ISA savers Anyone who has opened an ISA every tax year since 1999, and used the full allowance, has been able to shelter over £141,500 plus interest from the tax man and, in April, will be able to add another £20,000 to that allowance. If you already have cash ISAs from previous tax years, it is worth considering retaining them to keep those tax free allowances. 2) Additional rate taxpayers Those taxpayers who earn over £150,000 a year pay 45% tax and get no personal savings allowance so should definitely consider cash ISAs. 3) First Time Buyers Lifetime ISAs, known as LISAs, are available for those aged 18 – 40 and you get a 25% bonus from the government each year on top of anything you save. First time buyers who save £4,000 get a £1,000 from the government. The bonus is paid every year until the saver is 50 years old. LISAs are aimed at first time buyers saving a deposit to purchase a home and for those looking to save for retirement. They have been somewhat controversial because there was already a scheme in place (Help to buy) for first time buyers and pensions provide generous tax relief for savers with many financial advisors still considering this a better form of retirement saving. There was little consultation from the government before LISAs and, as a result, there are only three providers of a cash LISA, Skipton, Nottingham and Newcastle Building Societies. Newcastle pay an attractive 1.10% interest on their LISA. However, those saving for a home will find the 25% bonus more attractive and should certainly consider a LISA if they are saving for a deposit.
4) Savers who may need access to their cash Savers looking at easy-access may want to consider a cash Isa because the differential in rates is very small – with Virgin Money’s cash easy access ISA paying 1.45% versus Family Building Societies 1.51% for ordinary easy access. Savers looking to build up a tax-free sum which they can keep for future years may consider this more important than a slightly higher rate. Savers considering fixed-rate bonds but want access to the cash during the term might prefer the flexibility that fixed rate ISAs have. Almost all cash ISA fixed rate bonds allow some form of access with a penalty interest charge. Other things to consider about cash ISAs are: • Savers can move their money from a cash ISA to a shares ISA. Until recently this wasn’t something you could do but some people will like the flexibility this allows and may want to hold savings in cash for a period before investing. • The Personal Savings Allowance (PSA) could change - there is no guarantee the PSA will be continue and the allowance could be cut or removed. Also, if interest rates rise, the value of the PSA will diminish too as smaller balances will then earn more interest and use the allowance up. What are the best rates currently? The savings market does move quickly, so we always recommend that you check our website for the latest rates. At time of print, our best personal savings rates are:
James Blower Founder Savings Guru Ltd
www.thesavings.guru
Term
Interest Rate
Provider
Instant Savings
hello@thesavings.guru
1.51%
Family Building Society
@SavingsGuruUK
Notice
1.90%
Charter Savings Bank
1 Year
2.20%
Bank of London & Middle East
18 Months
2.32%
Al Rayan Bank
2 Year
2.42%
Al Rayan Bank
3 Year
2.52%
Al Rayan Bank
4 Year
2.52%
Vanquis Bank
5 Year
2.70%
Bank of London & Middle East
That’s all for this month. If you don’t want to wait for next month’s update then you can subscribe to our newsletter by submitting your email address on our website!
11
Ye Olde Plough House WEDDING OPEN DAY Come & view our stunning venue with award winning gardens Bank Holiday Monday 6th May 2019 From 11.00am to 3.00pm Special offers available for selected dates
EASTER SUNDAY LUNCH WITH ENTERTAINMENT Sunday 21st April 2019 - Swinging 50’s & 60’s (Keeley Smith) £25.00 per person £10.00 per child (under 8 years old) Parties of 20+ are required to pre order their meals 7 days in Advance £10.00 per person deposit required on booking, £5.00 deposit per child.
Tuesday 14th May 2019
Michael Buble Tribute Lunch 12pm Arrival , 12.30pm Sit Down Entertainment finishes at 3pm Three Course Meal with Coffee & Entertainment £25.00pp Tel: 01375 891592 Email: info@yeoldeploughhouse.co.uk www.yeoldeploughhouse.co.uk
Ye Olde Plough House Brentwood Road Bulphan Essex RM14 3SR
AFTERNOON TEA Wednesday 17th April 2019 Rat Pack Tribute Served at 2pm—4pm Finish Selection of Fresh Sandwiches Sun blushed Tomato Blini Feta & Spinach Parcel Mini Scotch Egg Macaroon Various Cakes (2 per person) Fruit Scone with Clotted Cream & Jam Tea & Coffee
£25.00 per person Payment in full required on all Mothers Day booking, non refundable and non
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13
I
f you’re looking for a fun activity for the whole family, look no further than Wear A Hat Day. The annual fundraising event takes place on Friday 29th March and the Brain Tumour Research charity needs your help to make it the biggest, boldest and hattiest EVER! There are lots of ways you can take part whilst also helping an important cause. Put your thinking caps on and get involved – anything from a hatty fashion show and making Easter bonnets, to hosting a bake sale and going on a #Hattastic walkabout. Involve as many of your family, friends and work colleagues as possible - the bigger, the better and the more, the merrier – just don’t forget your hat! By taking part, you’ll be helping to raise vital funds for research into brain tumours. Wear A Hat Day was launched in 2010 so 2019 is its 10th year! Over the years, it has raised over £1 million − money that helps Brain Tumour Research fund its four UK Research Centres, raise awareness of this devastating disease and influence the Government and larger cancer charities to invest more nationally
14
in research for brain tumours. Brain tumours are indiscriminate and can affect anyone at any age. What’s more, they kill more children and adults under the age of 40 than any other cancer, yet historically just 1% of the national spend on cancer research has been allocated to this devastating disease. Brain Tumour Research is determined to change this and has laid solid foundations on which to build progress towards finding a cure. But there is still a great deal of work to be done and funds are urgently needed to keep the research going. Please help make the 10th Wear A Hat Day the biggest and best EVER, and smash all previous records! Get your FREE fundraising pack today www.wearahatday.org TOGETHER we will find a cure.
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ACS Dance Centre Ballroom dancing weekly class to learn something new, have fun and get fit! Beginners welcome Fridays 7.30-8.30pm at ACS Dance Club, 66 Albert Road, RM1 2PP. Experienced dancers Tuesdays 8.30pm or Mondays 8.30pm- please Call Diana 01708 783576 for details Basildon & District Rambling Club The group meets every Saturday at 2.00pm. The Saturday walks are 4-5 miles with a rest halfway, we have some longer walks on other days. New members are welcome and membership is only £6 per year which includes all walks. See our website www. basildonanddistrict ramblingclub.btck.co.uk for full details Clockhouse Bowling Club The Club welcomes new members, either existing bowlers or beginners. Our green is situated in Clockhouse Gardens, St Marys Lane, Upminster, close to Waitrose, in delightful surroundings. 2019 Club Open days will be held on Wednesday 1st May 3.00 - 7.00pm and Saturday 4th May 10.00am - 4.00pm. Bowls and equipment will be available, the only requirement is flat soled shoes. So why not join us. Details on: www. clockhousebowlingclub.co.uk. email: clockhousebowlingclub@ gmail.com.
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Cranham Art Society If you would like to join a friendly Art Club why not give us a try. We meet every Tuesday in Cranham Community Centre in Marlborough Gardens every Tuesday between 10am & noon. Whatever your standard you will be made welcome. Ring Gordon Setter on 01708 225612 for more information. Cranham Community Library Come along to our new style Library at Cranham Community Centre in Marlborough Gardens. We have a great range of jigsaws and fiction books to borrow. We are open Tuesday to Friday 10.00 to 12.00 and Monday 1.30 to 3.30. Volunteers wanted ring Janet 01708 222665 for information. Cranham Over 60s Club Covers Upminster and Cranham. Every Thursday 1’00pm ‘till 3.00pm. Cranham Social Centre. Good company, tea and biscuits, entertainment, dancing free raffle, bingo. Car parking at the rear. Access for the disabled. All welcomed. £4.00 each. Just turn up, or ring 0208 5935 625. Essex Wildlife Trust The Nature Reserve and Historic Gardens at Warley Place, Great Warley will be open every weekend from Saturday 23rd February to Sunday 7th April. Volunteers will be on hand to provide guidance on the above
days from 10.30 am to 4.30 pm, weather permitting. Please come and enjoy the wonderful show of snowdrops, daffodils and bluebells as well as the historic gardens created by Ellen Willmott. Guided walks are available on Saturday mornings at 10.30 am. Large groups should please book in advance, suggested donation £4.00 per person. The post code for Warley Place is CM13 3HU and is located on Warley Road adjacent to the Thatchers Arms public house. For further information please contact Mick Hedges on 01277 231367 or Fiona Agassiz on 01277 230436. Friends of Parklands The aim of our “Friends” Group is to maintain Parklands Open Space as a pleasant place to walk and relax, surrounded by a natural environment. We arrange Working Parties to keep Parklands tidy and to help control any excessive overgrowth. The Working Parties meet for a couple of hours, at 10 a.m., on the second Wednesday of every month. If you would like to join us please visit our website, www.friendsofparklands.org.uk, for further information, or email our Working Party Organiser, Andy Brett, at: upminsterbrett@gmail.com Friends Of Upminster Mini Golf Course We are a recently formed group with the aims of promoting
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the Mini Golf Course in Hall Lane, Upminster and working in partnership with Havering Council to improve amenities and to encourage people of all ages to participate at the course. Find us on Facebook. Why not come and give it a go. Equipment is supplied and the course suits all abilities from novices to experienced golfers looking to improve their short game. More information on the Councils website: www.havering.gov.uk/Pages/ ServiceChild/Hall-Lanegolf-course. Friends of Upminster Windmill Volunteers are sought to help us develop and maintain an attractive garden area around the new visitor centre at Upminster Windmill. Our small friendly group meets on Tuesdays. If you would like to help email info@upminsterwindmill.org or enquire at the site on a Tuesday. ‘Gone Too Soon’ 15th April Bereavement Support for Parents who have lost a Son or Daughter, all ages. Monthly meetings are held on the third Monday of each month, at Reids, 66-68 Laindon Road, Billericay CM12 9LD from 7.00 p.m,. – 9.00 p.m. There is ample free parking. For further details please contact Lyn on 07387 805406 or email lyncurrie@hotmail.co.uk
Greenfingers Gardening Club We are a friendly group and meet at the Cranham Community Centre, Marlborough Gardens, Cranham. 7.30pm First Monday of the month, but if this falls on a Bank Holiday we meet on the following Monday. No meetings in August. Horticultural speakers, raffle and free refreshments. Come & join us you will be very welcome. Info from Sheila Woodrow 01708 228752 Havering Museum The Museum tells the remarkable story of Havering from pre-history to the present day and celebrates the achievements of local people while exploring how the areas that make up the Borough were formed and developed. Currently exhibiting; Titanic Honour and Glory. It tells the story of the Titanic disaster through artefacts and includes stories from local people, who have a connection to the ship. We also have various family events, talks and events on throughout the year. See website for details www.haveringmuseum.org.uk or phone 01708 766571 Registered charity no109376 Pilates for a Healthier Spine Experienced Sports & Remedial Massage Therapists Charlene & Neil Carpenter teach traditional Pilates in private sessions and also to small groups in Upminster & Cranham.
For further information or to book a course or trial class please visit www.upminstersportsmassage. co.uk or call Charlene on 07411 826721, or email upminstersportsmassage@gmail. com The Upminster and District Horticultural Society On Tuesday 9th April we have Tim Carter presenting ‘Climbers and Wall Shrub’, including how they can be trained against a wall or fence and plants suitable for our gardens. The lectures are held in the New Windmill Hall, St Mary’s Lane, Upminster from at 7.45pm until 9.45pm. Entrance is free to members and is £2 for non-members. For more information visit www. upminsterhorticulturalsociety.co.uk Upminster and District Probus Club Retired with free time during the week - Upminster and District Probus Club. Luncheon club, with talks and outings, for retired men, covering art, crime, gardening, history, music, sport and transport etc. Meet on the last Wednesday of the month at the Cranleigh Restaurant, Hornchurch. Outings planned 2019: Royal Opera House Backstage Tour, D-Day in Portsmouth, Orwell Cruise and Royal Landscape Heritage Tour Secretary: Barry on 01708 703783 secretary@upminsterprobus.com www.upminsterprobus.com and www.facebook.com
If you would like to promote your club or event for Mar/Apr then please email a maximum of 70 words to:
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01708 551714 07743 406418
www.sr-roofers.co.uk
rosseldridge84@hotmail.co.uk 41a Sunningdale Road, Rainham, Essex, RM13 7BD
An independent day school for girls and boys age 2 - 16 years
Join us for our next Open Day Tuesday 30th April 2019 | Tours at 9.30am and 10.30am
96% of pupils achieved 5 or more A* to C / 9 to 4 grade GCSEs in 2018 Come and experience our unique magical atmosphere where learning, creativity and success is enjoyed by everyone. We offer small class sizes, where every pupil is nurtured and inspired to develop both academically and as an individual.
Join us to explore the exciting opportunities available to your child. Please contact our Registrar to book a place on a tour or to make a personal appointment with our Headmistress.
Telephone - 01277 623070 registrar@stjohnsschool.net | stjohnsschool.net