Around Town Magazine Upminster March Edition 2018

T E R I N S U P M T I O N E D I 3 6

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CONTENTS 07

We supply, repair and

06 Julia Lopez

Political Update

10 Recipe

Perfect Pancakes

12

James Blower The Savings Guru

16 Your Yoga

For a friendly, free quote call 01375 407847 • 07930 4240

Tree Pose

18 What’s On

When and Where...

22

Shop Local, Hire Local

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We repair all makes and m

CLLR Clarence Barrett

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Front cover picture by: John Haywood - JH Photography @jh.photohtaphy.jh JH Photography Copyright 2018. 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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up Britain’s global trading connections after Brexit, so at the beginning of March I hosted the Department of International Trade’s Export Hub at the Queen’s Theatre, Hornchurch, to help local businesses tap into exporting opportunities.

The Hub brought together experts on export finance, as well as local advisers and banks, to give Havering businesses the best information on how to expand into growing international markets. We were joined by Trade Secretary, Dr Liam Fox MP, who talked about the hunger he sees across the world for British products and services. Afterwards, we took Dr Fox to Upminster to visit Roome’s Furniture & Interiors where we had a long discussion with owner, Michael Roomes, about issues affecting the high street.

Julia Lopez

Member of Parliament For Hornchurch and Upminster I feel honoured to be part of the first generation of politicians in over forty years to work on the UK’s own independent trading policy and to sit on our first International Trade Select Committee. I want to make this work relevant to local people as we ramp-

Alongside a focus on trade, this year also sees parliament celebrate the centenary of women’s suffrage. To mark this important anniversary, Leader of the House, Andrea Leadsom MP, came to Upminster Junior School to encourage all children to take an active interest in politics and to think one day of standing for elected office. I followed up Andrea’s visit with a speech at Volunteer Centre Havering’s International

C olla rds Upholstery U phols ter y LLondon ondon LLimited imited Collards Collards Upholstery has been established for over 60 years. Hand crafted bespoke English furniture has been delivered to all corners of the UK and the world. The skills and high quality of tradesmanship has allowed the company to flourish and diversify into many fields.

Women’s Day Event at St Laurence Church Hall, Upminster, where I described my own journey into politics. I have also been working with the Conservative Women’s Group on the Ask Her to Stand campaign which encourages women to participate more actively in politics – if anyone is interested in this, do get in touch.

A number of residents recently contacted me about crime levels in Cranham and Upminster, and I requested a meeting with the Borough Police Commander and then arranged a meeting between residents, councillors and the ward policing team at Upminster Baptist Church for those who had contacted me. I have posted a summary of this meeting on my website for those who are interested.

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

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RECIPE Perfect Pancakes Ingredients: 3 large eggs

125g plain flour

250ml milk

Unsalted butter

Pinch of sea salt

Method: 1. Crack the eggs straight into a blender, followed by the flour, milk and salt.

coated in butter, add 1 ladle of batter to the pan and tilt to spread around evenly.

2. Blitz until you get a smooth batter.

6. Cook for 1-2 minutes.

3. Leave it to stand in a bowl for 15 minutes.

7. Once golden underneath (you can check with a spatula), flip the pancake over and cook for another minute.

4. Gentle melt a knob of butter in a large non-stick pan.

5. Once the pan is warm and

8. Pile up and serve with your favourite toppings.

If you would like your recipe to appear in Around Town Magazines then contact our sales team on: 01277 658444 or email: sales@aroundtownmagazines.co.uk

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Should I consider saving in a Cash ISA

(Individual Savings Account)?

I’m regularly asked about Cash ISAs and whether they are still worth using as a savings account.

These questions always increase in March and April as the end of the tax year approaches and the start of a new one is on the horizon. So, let’s look a bit closer at them this month and see whether they should be something you consider for your savings.

Background ISAs were introduced in 1999 as a replacement for PEPs (which were used for shares) and TESSAs (which were used for cash savings).

Initially the overall allowance was £7,000 with a maximum of £3,000 being allowed for cash. For nine years, this remained the case until we saw a £600 increase in the cash allowance in 2008.

2011 saw the introduction of the Junior ISA for children and in 2014 we saw a huge increase in the ISA allowance with £15,000 being permitted within an ISA and it being possible to hold the entire amount in cash. Last year, this increased to £20,000 and the allowance will be maintained at this amount for 2018/19 tax year which starts on 6th April.

What is the difference between Cash ISAs and ordinary savings accounts?

Fundamentally, there’s very little differences in the actual account itself. A cash ISA is not dissimilar to an ordinary savings account, it’s just got a tax wrapper around it which means you aren’t liable to pay tax on the interest you earn. Think of it like

12

a two chocolate bars, one still in the wrapper and one out of it – they are the same chocolate bar!

ISA instead of a traditional savings account.

However, there are exceptions and things to consider:

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 2018, it is a very different situation with ordinary savings accounts often paying more than their cash ISA equivalents – sometimes considerably more.

1) Savings in a Cash ISA stay tax free year after year Anyone who has opened an ISA every tax year since 1999, and used the full allowance, has been able to shelter over £121,500 plus interest from the tax man and, in April, will be able to add another £20,000 to that allowance.

For example, the best one year fixed rate is 1.95% whereas the best one year ISA pays just 1.46%. Similarly, on a five-year fixed 2.52% can be found on a standard account whereas the best five year ISA is 2.25% by comparison.

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 £75,000 in the top paying instant savings account (1.30% from RCI Bank) and not pay any tax on the interest.

So, are cash ISAs pointless now?

Well, not exactly. For many people, there will be little or no immediate financial benefit to open a Cash

2) You can now switch your cash ISA in to a stocks and 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 cash for a period before investing.

3) The Personal Savings Allowance (PSA) could change There is no guarantee the PSA will be continue and the allowance could be cut or removed. Additional rate tax payers get no allowance.

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.

4) There will be accounts worth considering Nationwide have just launched a cash ISA with no notice required paying 1.30%, which is the same as the best standard paying account. Although only one withdrawal is allowed from the Nationwide account, whereas the non-ISA account from RCI Bank allows unlimited withdrawals, the Nationwide account may appeal to those who wish to secure their ISA

allowance in cash for the year.

5) Junior ISAs Junior ISAs come with their own allowance (£4,128 this year) and rates on them are very competitive. Coventry Building Society pay 3.50% and Nationwide pay 3.25% on instant access, which beat the best ordinary paying accounts for children with no restrictions.

6) Lifetime ISAs Lifetime ISAs, also known as LISAs, come with a £4,000 allowance within your overall ISA allowance of £20,000. So, if you invest £4,000 in a LISA, you can only put £16,000 in a cash ISA or stocks and shares ISA. 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. So, if you save £4,000 you get £1,000 from the government. The bonus is paid every year until you are 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 is only one provider of a cash LISA, Skipton Building Society. Skipton pay 0.75% interest. However, those saving for a home will find the 25% government bonus attractive and should certainly consider a LISA if they are saving for a deposit.

2017 / 18

2018 / 19

ISA Allowance

£20,000

£20,000

Amount that can be held in a Cash ISA

£20,000

£20,000

Start of tax year

6th April 2017

6th April 2018

End of tax year

5th April 2018

5th April 2019

Junior ISA

£4,128

£4,260

Lifetime ISA

£4,000

£4,000

Personal Savings Allowance – basic rate tax

£1,000

£1,000

Personal Savings Allowance – higher rate tax

£500

£500

Personal Savings Allowance – additional rate tax

£0

£0

James Blower Founder Savings Guru Ltd

www.thesavings.guru hello@thesavings.guru @SavingsGuruUK

As always, this article will appear on our website, www.thesavings. guru, with links to all providers and accounts mentioned in the column. Have a great month and see you in April.

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YOUR YOGA

ers to work on standing balances, to gain focus and n one foot.

Tree Pose

of

tch

Method: Tree pose is a great entry level pose for beginners to work on standing balances, to gain focus and clarity and practice breathing whilst balancing on one foot.

distraction. Keep a relaxed mind.

Starting with your feet together, place your right foot onto your inner thigh.

Lift your arms high and press your hands into prayer. Keep your shoulders relaxed here.

If you bring your awareness to the centre line of your body you will help your balance. Imagine a vertical line that runs directly through the centre of your head, neck and torso.

Find a spot in front of you that you can focus on and gaze at, without

Hold this pose for up to 10 breaths and then switch sides.

Don’t lean into your standing leg and keep your abdominals engaged.

If you would like your advert or editorial to appear in Around Town Magazines then contact our sales team on: 01277 658444 or email: sales@aroundtownmagazines.co.uk

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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. basildonanddistrictrambling club.btck.co.uk for full details CAP Money Course We are pleased to be offering another CAP Money Course following our recent one in January.

The dates are three consecutive Wednesdays in May - 9th, 16th and 23rd, at 8 p.m. in St Luke’s Centre, St Luke’s Church, Front Lane, Cranham.

The course is free and workbooks will be provided.

Registration, or further details by e-mailing capmoneystlukescranham@ gmail.com or via the web-site www.capmoney.org Chelmsford & District Welsh Society Membership is open to anyone with Welsh origins or connections, or to anyone with an appreciation of Welsh heritage and traditions.

Visitors and guests are warmly welcomed to attend our meetings.

The Society’s monthly meeting is held in St Cedd’s Hall, Cathedral Chapter House, Chelmsford, CM1 1NX, and is usually on the fourth Thursday of every month.

18

Throughout the year there are also fund raising events such as coffee mornings, musical evenings and a Garden Party.

For more details please contact Gwenno on 07724144432 www.chelmsfordwelsh.org.uk/ home www.facebook.com/ chelmsfordwelsh 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.

Liberty of Havering Bowls Club New members welcome.

Sociable, good for your health, enjoyable & most important, friendly. Contact Anne 01708 470370 or Richard 01708 449245 for details and about our Open Day on Saturday 5th May 11am 4pm where you can have a go, refreshments available. Green is at the rear of Harrow Lodge Sports Centre, Hornchurch.

Deyncourt Ladies’ Probus Club We meet at the Masonic Hall, Deyncourt Gardens on the third Wednesday of each month.

We start with a short meeting, have a three course lunch, followed by a talk or some form of entertainment. Throughout the year we have trips out to places of interest and we will shortly be going to a Christmas Concert at the Royal Festival Hall. Contact Janet Garrood 01708 225978

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, once a month, at 10 a.m. on a Wednesday.

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 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/HallLane-golf-course.

Friends of Upminster Park The Friends of Upminster Park is a voluntary group which exists to help maintain and improve the park to a high standard, in liaison with Havering’s Parks Department,

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for the benefit of all users. It is a valuable local resource when open green spaces are becoming scarce and we would like it to remain a pleasant environment for local people to enjoy, whether to walk or relax in, to play tennis or football or any other leisure pastime (or even just to enjoy passing by the park when shopping).

The Rotary club of Havering East We hold our meetings at Upminster Golf Club every Tuesday Evening at 7pm for 7.30 and enjoy an excellent 2 course meal. We are a friendly club our main aim is to help people less fortunate than ourselves. We raise money for charities but also enjoy fellowship and social events.

fourth Wednesday each month at 1.45 - 4pm.

We are however in desperate need of new members, including a Chair Person, without whom the Group could cease to exist with detrimental effect on the park and its users. We meet on the last Wednesday of the month at 7.30pm in Trinity Church (Gaynes Road entrance). If you would be interested in joining the Group please contact Brian Flavell, e-mail: brianm1937@yahoo.co.uk

If you are interested in finding out about Rotary organisation and helping your local community why not come along one evening. Contact: Liz Goodwin on 07967644918 email:liz. goodwn7@gmail.com.

Open Day /Beer Festival on the 19th May 1018, 11am - 4.30pm.

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 charlottethemiller@ gmail.com or enquire at the site on a Tuesday.

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 Rotary Club of Hornchurch and Upminster We attract members from in and around Havering who have a common agenda to help people in need wherever they may be.

Our Club prides itself on the closeness and friendship between its members and their partners.

We meet most Thursdays at 12.30 for 13.00 at The Railway Hotel in Hornchurch.

If you would like to find out more please visit our website www. hornchurchrotary.org or contact Brian Taffs on 01708 250855 or e-mail btaffs@btinternet.com Upminster Park Towns Women’s Guild We are a friendly group of Ladies enjoying a chat over tea and biscuits listening to a good speaker or entertainer. Going on outings/theatre trips and promoting friendship and well being.

We meet at St.Lawrence Church, Derham Hall, Upminster on the

For more information contact Deborah Pryor 01708 226127 or Anne Monk 01708 226305 or simply come along.

Upminster Royal British Legion Upminster Royal British Legion, 316 St Marys Lane, Upminster.

Craft beers, food, Afternoon teas, Music, Craft Tombola, Face Painting, Glitter Tattoos, Competitions. The Royal Wedding will be on TV so will the Cup Final.

Families welcome. http://http://branches.britishlegion. org.uk/branches/upminster/ news-events or Facebook.

Email upminsterandcranham@ btconnect.com, or call 01708 220494 Upminster Wine and Social Club We are a fun group of people with an interest in wine appreciation and enjoying many social events.

We hold meetings every month with a variety of speakers and a wine tasting.

Meetings are held on the third Thursday of the month at 8.00 o’clock in the Cranham Social Hall, Front Lane, Cranham.

For more information contact Maureen Jasper on 01708 223956, or simply come along on the night. You would be made most welcome.

You don’t have to be ex Services to join, most are social members.

If you would like to promote your club or event for March/April then please email a maximum of 70 words to:

admin@aroundtownmagazines.co.uk Please ensure that all contact details are included.

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CLLR The CLaRenCe BaRReTT

Upminster & Cranham Residents’ Association

‘Shop Local, Hire Local’ Readers will have noticed the high turnover of shops in our constituency - and in particular independent shops and outlets.

While our local businesses already face tough challenges with rents, rates, out-oftown and on-line competition, what they need most of all is our custom. If residents were to spend just a few pounds per week in our local independent shops, it would make a big difference, hence our ‘Shop Local, Hire Local’ initiative. In addition, our independent shops are more likely to source supplies and services locally, such as accountancy, fresh produce, building maintenance, etc, therefore keeping the local pound circulating in the local

economy. Strong local economies thrive on supporting independent shops with a local pound - so, the message is not to stop using the big chains such as Costa Coffee, Waitrose or Tesco, who provide choice and valuable local employment, but just to spare a few pounds a week to support our local independent shops and help to sustain the variety and diversity of our High Streets and Shopping Parades.

Watch Out for Council Tax Rebate Scam Fraudsters are targeting people in the local area with a cruel council tax scam that could cost residents their life savings.

The people behind the scam are ringing residents and telling them that they have paid too much council tax. The good news, they say, is that they can reclaim the cash for a small fee. But then the tricksters ask unwitting householders for their bank details so they can have the tax repaid into their accounts. Once armed with the details, the criminals can raid bank accounts for savings. I would urge anyone receiving such a call not to disclose personal or financial information - and never accept cold callers’ claims about your council tax band.

HaVe YOU GOT a LOCaL BUSIneSS? DO YOU WanT TO TeLL US aBOUT YOUR STORY? Contact Around Town Magazines enquire about editorial today!

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