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08
Mark Francois
12
A View from the Church
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James Blower
18
Nature Notes
Political Update
Rev’d David Oxtoby
The Savings Guru
EWT Volunteer Neil Sumner
20
Recipe
22
Your Yoga
25
Rotary Club / Lions Club
27 27
10
Pea and Mint Soup
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Copyright 2018. Around Town Rayleigh 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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As the local MP, I have recently responded to this consultation.
mark francois conservative Parliamentary mP for rayleigh & Wickford
Rochford District Council has just completed a consultation exercise on the updating of its Local Plan, which is designed to govern development in the District out as far as 2037.
In essence, I have argued strongly that there should be no further major development in the constituency unless it is accompanied by a guarantee that we will receive the additional infrastructure that we need to go with it. For instance, this will include the development where necessary of additional roads, schools and also the upgrading of our medical infrastructure including GP surgeries and hospital places. In addition, experience shows that house builders who develop in the district tend to do so at a considerable profit and I have argued that developers need to be held firmly to account. The council should be robust in ensuring that
profitable housebuilders make sufficient and timely contributions to the extra infrastructure that will be required by the developments that they create. For my constituents who would like to read a copy of my response to the consultation, this is available on my Facebook page: www.facebook.com/MarkFrancois RayleighandWickford/ In summary, we do need some new houses in the area, to give the next generation somewhere to live but I am very clear that this should only be permitted when improvements in infrastructure can be guaranteed. As the local Member of Parliament I will continue to argue for this as the Local Plan plays out in the future.
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Rev’d David Oxtoby
I’m sure for most the irony of Easter Day this year also falling on April Fool’s Day was not lost. The last time this happened was in 1956, the same year Double yellow lines where introduced to restrict parking, Premium bonds became available with a £1,000 prize, also the Egyptian leader Gamal Abdel Nasser announced the nationalisation of the Suez Cannel, which triggered the Suez Crisis. Also in that year the RAF retired it’s last Lancaster bomber, and the Queen opened the world’s first commercial nuclear power station as Calder Hall, also PG tips started its longrunning TV advertising campaign using a chimpanzees tea party. I’m sure for some, these events can still be remembered with clarity, while others may come as a surprise. The Easter event, though it was only a few weeks ago for us, I’m certain never left the mind of the first disciples who witnessed it first hand over 2,000 years ago, an event that is still as relevant and powerful for every Christian throughout the world today. For many over the last 2,000
years of history I’m sure have been scorned and called a fool for believing that Jesus Christ rose from the dead after three days like He said He would, and even today many Christian around the world are persecuted and even martyred for their believe in this one amazing truth. Of course, the question has to be tackled, if this was all one giant hoax, one giant April fool, why did the first disciples and early church, all accept death as a punishment for their faith? Surely if this was simply a joke, a hoax, they would have confessed as such to escape death, I mean no-one ever died to keep an April fool joke. I can imagine many of our great inventors and scientists throughout modern history have been called fools by their peers; just take those who discovered or invented electricity, flight, penicillin, to name just a few ideas and other things that have transformed our world; they all started with someone with an idea, a dangerous idea that brought ridicule, but eventually transformed society. Changing our world, our society, our community start with an idea, an idea that goes against the tide of thinking. It’s that one idea that can start a transformation, I wonder what foolish ideas you might have, and are you ready to be a fool for, so that maybe, just maybe, you might be the instrument of change in our community for the better. Every blessing, Rev’d David.
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Is Peer to Peer lending an alternative
to a cash ISA? Last month’s article on cash Individual Savings Accounts (ISAs) sparked some interesting emails to arrive in the Savings Guru inbox. Many people hadn’t realised that the same non-ISA savings account often paid a significantly lower interest rate and that the tax benefits to savings in an ISA were not there for so many savers with the advent of the new personal savings allowance. A number of you had seen the advent of the new Innovative Finance ISA for Peer to Peer lending and wondered how these worked, if they had a separate allowance to cash ISAs and whether they were a better alternative to cash ISAs. So here’s my overview and thoughts on Peer to Peer lending and the new Innovative Finance ISA: What is Peer to Peer Lending? Peer to peer (P2P) lenders effectively replace banks as the middleman in financial transactions by matching savers with borrowers. These borrowers can be individuals or companies. Whereas banks operate on what is known as Net Interest Margin (NIM), which is the difference between the interest rate money is paid to savers and the rate paid by borrowers, P2P companies typically charge a fee (which is taken from the return, rather than being paid upfront by savers) for their match making.
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Is my money protected? The big difference between P2P companies and banks is that there is no financial protection for savers with P2P whereas savers with banks are protected by the Financial Services Compensation Scheme (FSCS), within the scheme limits. There is a chance that savers can lose their money. How risky is P2P? It is possible that savers could lose all their money but P2P firms do a number of things to limit risk for savers. Money is spread across a number of borrowers to limit the risk of loss e.g. if a saver puts £1,000 in, this may be lent to 50 borrowers who get £20 each. The P2P firms also carry out their own checks on the borrowers and many grade them according to the level of risk. A savers portfolio can therefore have a range of borrowers in with differing interest rates to reflect the risk. Is P2P unregulated? No – since 1st April 2014, the industry has been regulated by the Financial Conduct Authority which requires firms to present information clearly to customers, be honest about the risks involved and have contingency plans (in case things go wrong). Firms who don’t follow the rules can be fined or face sanctions from the regulator. What’s the attraction to save with a P2P instead of a bank? For savers, the projected interest
rates on offer are far higher than those on a savings account. With the best instant savings account paying 1.30% and the top five year rate offering 2.60%, returns of 4 – 6% from the major P2P firms compare favourably and this has made them attractive for many savers, despite the risks. How does the Innovative Finance ISA work? It works very similar to a normal ISA. There’s no separate allowance so the £20,000 ISA allowance applies which means that savers can use it all on an IF ISA or put hold sums up to £20,000 across cash, stocks and shares and IF ISAs. Interest on P2P investments is treated the same as bank interest from a tax perspective so anything over the personal savings allowance limits (£1,000 for basic rate taxpayers and £500 for higher rate taxpayers) is liable to tax. With the potential for higher returns, the IF ISA is popular as the personal savings allowance limits can potentially be breached on much smaller sums than a savings account. How popular is P2P lending? In January this year, the Peer to Peer Finance Association, a body that represents a number of P2P firms, including some of the largest, announced that lending on its members platforms had exceeded £8bn. While the overall size of the market in the UK is hard to predict exactly, we estimate it
is approximately £12 – 15bn. This is dwarfed by the £1.5tr held by banks but P2P continues to grow quickly. Zopa, the oldest P2P lender, was only set up in 2005 so the industry has developed rapidly. Is there anything else to be aware of? With a savings account, savers start earning interest on the day they put their money in. With P2P lending, this will be when your funds can be matched to a borrower – this is not always straight away. It may only be a few days but, with larger amounts, it could take a few weeks to drip feed it in. Similarly, although some P2P firms offer accounts where you can access your money relatively quickly, this isn’t always instant like it is with a bank savings account so make sure you understand what you are investing in and how you can get your money back. So, should you consider P2P? My view is that P2P is definitely worth considering. There are risks involved so savers shouldn’t put all their money in to P2P but it is worth considering putting in a proportion – perhaps something like 5 – 15%. Savers who are debt free and willing to take some risk over the longer term may want to considering trying it out by putting in small amounts initially to get used to it. If you are interested in finding out more, the two largest firms, who are both members of the Peer to Peer Finance Association, are worth having a look at: Zopa Zopa lends money to individuals wanting personal loans and offers projected returns of 4% in its ‘Core’ product and 4.6% in its ‘Plus’ product and savers can invest from £1,000. Funding Circle Funding Circle lends to businesses and has an autobid system which spreads your money across a wide range of borrowers. It has two products, Conservative and Balanced which have projected returns of 4.805 and 7.2% after fees and bad debts.
James Blower Founder Savings Guru Ltd
www.thesavings.guru hello@thesavings.guru @SavingsGuruUK
There are a huge number of smaller firms also worth exploring including Proplend, who offer projected returns of 5-12% on property lending and Market Invoice, who lend money on invoices and loans to British businesses. This article will also be published on our website, with links to all the providers and reference sources listed in here, to make it easier to find more information. That’s all for this month, have a great April everyone James
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Nature Notes
SID’S LANDSCAPING GARDEN LANDSCAPING BLOCK PAVING • DRIVEWAYS PATHS • INDIAN STONE PATIOS TURFING & ARTIFICIAL LAWNS PLUS MUCH MUCH MORE
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Neilsumner123@aol.com twitter.com/neilsumner123 At the end of April, Common Swifts start to appear again, returning here to breed after wintering in Africa. They will be seen in small numbers over our towns and countryside then, as May progresses, they often gather in huge numbers over Hanningfield and other reservoirs to feed on insects.
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Swifts arrive later than most other migrants and are one of the first to leave, so we only see them for about 100 days each year. They are faithful to each other for life and faithful to their nesting locations too, returning to nest in buildings in small colonies. Swifts live long, most surviving for 7 to 10 years but a life of 21 years has been known for some individuals. Apart from when they are nesting, they spend their lives in the air, feeding and even sleeping on the wing. In the 1914-18 Great War a French airman reported flying through a flock of Swifts at 10,000ft at night.
e sidlandscaper@icloud.com w sidslandscaping.co.uk
When the weather is cool, Swifts may have to fly a long way to collect their insect aerial food. The nestlings have the ability to enter into a state of torpor (a temporary form of hibernation) allowing the parents to be absent for as long as two days to make these long journeys. The young begin to fledge during the first few weeks in July. At this time, the adults hunt until twilight, then gather in screaming parties, zipping low across the rooftops, making a spectacle that is evocative of warm summer evenings. The young leave the nest in late July and will fly for a while in little family groups.
HANDYMAN DAVE
The population of UK Swifts has declined by around 50% in the last 20 years. This is partly due to there being fewer insects but also because many of the old buildings have been renovated, taking away the niches that Swifts need for access under the eaves. The ‘Save Our Swifts’ project is installing nest boxes and providing special ‘nest bricks’ in new buildings, which have an entrance hole into a nest box sitting in the cavity behind the brick wall. The birds do not come easily to these artificial nest sites, so it is necessary to play the sounds of screaming Swifts to entice them. Swifts can be confused with Swallows and Martins – this web site is a good guide to tell them apart. http://www.bbc.co.uk/nature/22527420. And see ‘Swift Conservation’ at http://www.swiftconservation.org/ My thanks to John Smart, for his dedication to ‘Save our Swifts’ – and also for providing the information for this article.
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#WEAREPRINT
65844o.u4k 01277 squarelitho.c
www.black relitho.co.uk a u sq k c la b s@ le sa 0DX icay, Essex CM12
dford Way, Biller Graphic House, Ra
RECIPE Pea and Mint Soup Ingredients: 1 cupful of chopped spring onions 1 medium potato, peeled and chopped 1 crushed clove of garlic 850ml vegetable stock 250g fresh peas 4tbsp fresh mint, chopped Large pinch of sugar 1 tbsp fresh lemon juice 150ml soured cream
Method: 1. Place the spring onions into a large pan together with the potatoes, garlic and stock. Bring to the boil, turn down the heat and allow to simmer for 15 minutes or until the potato is soft. 2. Set aside a few tbsp. of peas for the garnish. Add the remaining peas into the pan and simmer for 5 minutes only. 3. Blanch the remaining peas in
boiled water for 2-3 minutes. Drain them and then put to one side in a bowl of cold water. 4. Into the main pan add the mint, sugar, lemon and allow to cool slightly. 5. Pour into a blender and mix to the desired consistency. 6. Stir in half the cream and season with salt and pepper to taste.
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1 HOUR RESPONSE
tony nelson plumbing • PLUMBING - Taps, leaks, cylinders and tanks. All plumbing undertaken • HEATING - Leaking or blocked raidators and boiler breakdowns • GAS - New boilers installed, boilers repaired and serviced • drAINAGE - Drain clearing, jetting and repairs CovErING ALL THE rAYLEIGH ANd SUrroUNdING ArEAS
Please see our website for more details
tonynelsonplumbingbrentwood.co.uk
Plumbing & Heating Specialist
01277 282 211 e: info@tonynelsonplumbing.co.uk
07500 870309 INFO@ESSEXTREECARELTD.CO.UK
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YOGA YOUR YOGA
Warrior 1
nd s
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ep g nd
Method:
ad, lengthen sides of strength your waist and keep your Warrior poses arethe essential for building Turn your left heel down and angle your left toes staminayour in yoga practice. movement or place forwards about 75 degrees. Press your weight you and keep armsTheparallel your palms stretches the hips and thighs as well as building strength in the legs, hips, buttocks, core and upper body.
through this heel, on the outer edge.
Warrior 1 is a gentle backbend and is super for opening up the front of the body (quads, hip flexors) whilst strengthening the lower body.
and fingers reaching high. It is up to you if you keep your arms parallel or place your palms together.
chest and press your palms up overhead, bs, making sure your shoulders Open areyourrelaxed with lengthen the sides of your waist and keep your palms
epeat on the other leg.
With your feet together, exhale and take a long step back with your left foot and lunge with your right leg so that your knee is over your ankle. Your toes and pelvis should be pointing to the front of your mat.
Gently tilt your head back to gaze up at your thumbs, making sure your shoulders are relaxed with your shoulder blades pressed firmly inward. Hold for up to one minute then step forward and repeat on the other leg.
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Nokes & Co, Squire House, 81-87 High Street, Billericay, Essex CM12 9AS 01277 633971 4362_17x9.qxd
19/10/2017
15:03
07949 266321
mark@nokesandco.co.uk
www.nokesandco.co.uk
Page 1
Essex Fencing Ltd For all your fencing needs
FAST RELIABLE SERVICE
DOMESTIC AND COMMERCIAL
We supply, repair and erect all types of fencing.
For a friendly, free quote call Ricky on 01375 407847 • 07930 424045
www.essexfencingltd.com
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DO YOU NEED A NEW BOILER? A-rated boilers installed Low cost finance available Low apr of 9.9% with ÂŁ0 deposit available 10 year manufacturer warranties on selected boilers Complete piece of mind once installed Save up to ÂŁ350 a year on gas bills Smartphone enabled thermostats Powerflushing & servicing CALL FOR A FREE ESTIMATE
01268 425 144 07903 232 142 info@1stboilers.co.uk | www.1stboilers.co.uk
ROTARY CLUB OF RAYLEIGH MILL Last year Rotarians from five clubs from District 1240 planted 30,000 purple crocus bulbs at RHS Hyde Hall to promote awareness of the End Polio Now campaign. On Saturday 9th March, a number of Rotarians from the Rotary Club of Rayleigh Mill and the Rotary Club of Chelmsford Mildmay again attended Hyde Hall when the crocuses were in bloom to promote awareness of the continuing progress of the campaign. Since the campaign was instigated by a Rotarian in the Philippines in 1985 when there were 350,000 incidences of this life-changing and life-threatening disease in125 countries, Rotary International has been joined by other organisations including the Bill and Melinda Gates Foundation, the World Health Organisation and National Governments. 2.5 billion children have been immunised. 13 million cases of polio have been prevented and the campaign has reduced the incidences of polio to 22 cases of Wild Polio Virus in 2 countries in 2017. The campaign is on the brink of eliminating the disease completely, but the work must go on as the world has to be disease-free for three years before it can be declared to be eradicated. See more at www.endpolio.org
RAYLEIGH LIONS CLUB The Lions Club of Rayleigh is part of the International Association of Lions Clubs, and our primary aim is to raise and distribute funds within out local area. The Lions Club Of Rayleigh was chartered in 1974 and serves the Rayleigh, Hockley, Hullbridge and Rochford areas. Our club is a Voluntary Service Organisation and a registered charity, we are always looking for people willing to help make their community a better place to live. By visiting our website, you will be able to find out about the work of the international organisation of Lions and the Lions Club of Rayleigh in particular, including our activities and also details of forthcoming events, and who to contact for further information. Our club meets on the 1st (business) & 3rd (social) Tuesdays in every month in Rayleigh. Guests are always welcome. http://www.rayleighlions.org.uk PLEASE MENTION AROUND TOWN MAGAZINE WHEN RESPONDING TO ADVERTS
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Pollen Landscapes Garden Buildings • Decking • Paving Fencing • Concrete Bases • Garden Planters
07712 125751
www.pollenlandscapes.com pollenlandscapesltd@gmail.com
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or email: info@superGutterVac.co.uk
Call Steve for a no-obligation on: YOUR GUTTER A SPRINGquote CLEAN! orGIVE email: info@superGutterVac.co.uk
or email: info@superGutterVac.co.uk
Call for a no-obligation quote on: or Steve email: info@superGutterVac.co.uk 01702 203577
Call Steve for a no-obligation quote on: Callor Steve for a no-obligation quote on: 07789 954094 01702 203577
01702 203577 or 07789 954094 or 07789 954094
07789203577 954094 or 01702
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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.basildonanddistrictramblingclub.btck.co.uk for full details
Chelmsford Jazz Club Cramphorn Theatre Chelmsford Doors open: 11.45am Gig starts: 12.15pm Advance booking: 01245 606505 £12 / £16
Sunday 15th April The Humphrey Lyttelton Band: Tony Fisher (trumpet), Robert Fowler & Jimmy Hastings (reeds), Ray Wordsworth (trombone), Ted Beament (piano), John Rees 25th April - ‘Bennett to Buble’ Kevin Fitzsimmons Qnt. Jones (bass), Adrian Macintosh (drums) 8pm -10:30pm. Sunday 13th May Admission £12.50 ~ Meals Available Clark Tracey Quintet: www.belvederejazz.co.uk Tel: 07850 607075 Clark Tracey (drums), Alexandra Ridout (trumpet), or email: belvederejazz@gmail.com Sean Payne (alto), Elliott Sansom (piano) The Chichester Hotel, Old London Road, Rawreth, SS11 8UE James Owston (bass) Belvedere Jazz & Music Club 18th April - Elaine Delmar + John Pearce Trio 8pm -10:30pm.
If you would like to promote your club or event then please email a maximum of 70 words to admin@aroundtownmagazines.co.uk or fill in the form on our website www.aroundtownmagazines.co.uk Please ensure that all contact details are included.
USEFUL NUMBERS
BIRTH, DEATH MARRIAGES REGISTRATION
01268 361350 01268 361351
POLICE Rayleigh Police Station
0300 333 4444
HOSPITALS Brentwood Hospital Basildon Hospital Broomfield Hospital Essex Nuffield Hospital Queen’s Romford Southend Hospital Spire Hartswood Hospital
01277 695000 01268 524900 01245 443673 08453 143350 0845 1304204 01702 435555 01277 232525
HELPLINES Alcoholics Anonymous Childline DIAL Disability Helpline Drugline Essex In Focus (family disabilities support)
Narcotics Anonymous NHS non-emergency Parentline Samaritans S. Essex Rape and Incest Crisis Centre Victim Support Essex Women’s Refuge
CHEMISTS Boots the Chemist, Rayleigh 01268 771883 Audley Mills, Rayleigh
01268 776479
Lloyds Pharmacy, Rayleigh
01268 771703
Grange Pharmacy, Rayleigh 01268 784192 Hambro, Rayleigh
01268 781623
Yardley Chemist
01268 743283
BLOOD TEST 01245 256147 0800 11 11 11 01268 294400/1 01708 749151 01245 353575 0300 9991212 111 0808 8002222 116 123 01375 380609 0845 4565995 01268 541140
Booking Line
01702 746511
ROAD & TRAVEL UPDATES Essex Travel www.bbc.co.uk/travelnews/essex COUNCILS Rochford District Council
01702 546366
Rayleigh Town Council
01268 741880
TRANSPORT Bus Service
0870 6082608
Rail Service
08457 484950
TAXIS Rayleigh Taxi Bestax Abba Cars Cab Call Cab 24/7
01268 531888 01268 777300 01268 771666 01268 777300 01268 778877
UTILITIES Anglian Water 0345 145145 Electricity – Power Supply Problems 0800 7838838 Gas – Urgent Calls / Gas Escapes 0800 111999 Minicom – Transco 0800 371787 Thames Water (Supply or Wastewater Services) 0845 9200800 Three Valleys Water 0345 823333 Water – Essex & Suffolk Water 01245 491234 VETS YourVets Vets4Pets Rochford Veterinary Surgery Downes Vets Medivet LIBRARIES Rayleigh
01268 745180 01268 772283 01702 545558 01268 776883 01702 413902
0845 603 7628
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Your Stove is waiting for you! Photo for illustration purposes only