Codsall and Bilbrook Pages July 2016

JULY 2016

Codsall & Bilbrook Pages

MONTHLY BUSINESS DIRECTORY: INC: EVENTS ▪ GROUPS ▪ CLASSES ▪ NEWS ››› Find & Search Local Businesses

p2 ››› 10% off Lighting

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p6 ››› South Staffs Cycling Scheme

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p15 p16 & p19

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p20 p23

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Codsall & Bilbrook Business Index Home & Garden Ala rms/CCTV/Home Security Ba throoms Ca rpentry Clea ning Services Decking & Fencing Domestic Applia nces & Repa ir Electricia ns Externa l Clea ning Flooring Ga rden Centre Ga rdening & La ndsca ping Gutter Clea ning Kitchens Lighting Locksmith Oven Clea ning Pa inter & Decora tor Pla sterer Plumbing & Hea ting Property Ma intena nce Roofing Tiling Tree Surgery Windows, Doors & Conservatories

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Animals & Pets Dog Wa lking Pet Sitting

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Eating & Drinking Pubs & Ca fe Resta ura nts Classes, Groups & Events Da nce & Music Cla ss es Events Exercis e & Sport Cla ss Slimming Thea tre & Performing Arts Tuition Motoring & Transport Bodywork Ma intena nce Ta xi Service Lifestyle, Leisure & Retail Beds & Ma ttress es Childca re & Schools Driving School Footca re Funera l Director Golf Club Ha ir, Hea lth & Bea uty Venue Hire IT, Finance & Property Computers & Repa ir Fina nce Property Sa les & Letting

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Visiting Foot Care Service NOW available in this area Nails Trimmed Corns Removed Painful Toenails Verruca Treatment Fungal Conditions Cracked Heels Hard Skin/Callus Reduction

Call 01902 687814 for appointments

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HOW MUCH DOES INDEPENDENT FINANCIAL ADVICE COST? This is a thorny subject as Independent Financial Advice (IFA) firms all over the UK are at liberty to set their own charging structure.

Some charge an initial set fee for preparing a report, then they charge an hourly or percentage fee based on the time spent preparing and completing the advice. Others charge a flat percentage of how much you invest others charge a pure hourly based fee. All appear to work, but as you may appreciate some may suit you better than others.

Transparency in what exactly you pay I fear is a bigger issue than what the IFA tells you on their terms and conditions of business letter. Let me explain: There appears to be a common thread throughout the industry that I personally don’t like. This trend is relating to how the company actually manage your money.

Once the IFA has determined which financial product is best suited to your own needs or aspirations the next step is to perform a detailed (well ours is detailed I can’t speak for anyone else’s) risk and capacity for potential loss assessment. The results of the risk profiling exercise is that the IFA will then determine what level of risk, volatility and appetite for movement in the value of your capital that you want to take. After this the IFA needs to determine the spread and mix of investment funds that are going to be needed to achieve your desired results, and this is where the problem lies. Many companies are now ‘outsourcing’ this to a platform or Discretionary third party manager.

In simple terms you pay for a third party to make the decisions on which funds your money is going to be invested into. So you end up paying for your IFA’s fee, Your Product Providers plan fee, the Discretionary Fund Managers fee and finally the fee to the management team who actually run the fund. Now as you can imagine this amounts to quite a number of mouths to feed before you get anything like a net return on your investment. Where FSC Investment Services Limited differ is that we have chosen to employ our own internal Research and fund advisory team who are responsible for selecting and managing your funds directly. This cuts out the extra cost of the third party managers, we also in many cases negotiate discounts with the product providers and direct fund management houses which will result in lower costs and greater potential for you to make money if two identical portfolios are matched head to head.

We are immensely proud of the fact that due to our way of doing things each and every client has a bespoke portfolio which has been hand selected for them and them alone, this ensures a perfect match initially to the clients risk analysis profile, which is regularly reviewed. The Discretionary or platform method often results in the client being ‘pigeon holed’ into a fund that ‘closely reflects the clients attitude to risk and reward’. We are also able to demonstrate that our custom built portfolios out perform the Association of British Insurers (ABI) averages for each sector and fund group. We only choose and select our portfolio funds after intensive research and analysis and benchmarking against the best in sector funds. Our aim is that all our clients have portfolios built using best of breed funds, and these are then managed and swapped as and when market conditions change (with the clients approval).

We are so confident that our system is more economically superior to any other model currently on offer that we are willing to offer a “Price Match Guarantee’. We will match or beat the charges on any portfolio that you may be offered by any other Qualified firm of IFA’s. All we ask is you provide us with the report from the IFA showing the full costs (ie The IFA Fee, Product Costs, and fund management charges and all other related costs), we will then provide you with our detailed report using our custom built portfolio and the costs appropriate to that investment, we will then guarantee to match or beat the charges on the other IFA’s quotation.

To test our ‘Price Match Guarantee’ please contact us on 01902 422333 or email info@fscinvestments.co.uk Frank Cochran - Managing Director & Independent Financial Adviser FSC Investment Services Limited.

The purpose of this article is to provide technical and generic guidance and should not be interpreted as a personal recommendation or advice. You are not certain to make money - you may suffer a loss. FSC Investment Services Limited is Authorised and Regulated by the Financial Conduct Authority.

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Useful Numbers

Russell House Surgery: 01902 842488 Bilbrook Medical Centre: 01902 847313 Coven Dental Practice (Codsall): 01902 840722 Treetops Dental Surgery: 01902 842555 Codsall Library: 01902 842764 Codsall Village Hall: 01902 843412 Holy Cross Church Bilbrook: 01902 845222 St Nicholas Church: 01902 842168 St Christopher RC Church: 01902 842891 Trinity Methodist Church: 01902 847490 Neighbourhood Police: 0300 1234455 Staffordshire Police: 08453 303132 MP: Gavin Williamson: 01902 846616 Souths Staffs District Council: 01902 696000 Staffordshire County Council: 01785 223121 Codsall Parish Council: 01902 842426 Bilbrook Parish Council & Village Hall: 01902 840007 If there are any other telephone numbers you think would be useful to the people of Codsall & Bilbrook then please contact us on codsallpages@gmail.com 8

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A Word From Gavin Williamson...............

In the middle of a busy day of constituency events in, there is nothing better than stopping at one of our many wonderful butchers like Allan Bennett’s or Codsall Family Butchers in Codsall for a pork pie or a scotch egg. Now I already knew that we have the best butchers in the country, but Pattingham butcher Craig Thomas recently proved we have one of the best butchers in Europe right on our doorstep. Recently I visited Martin Thomas’ Butchers in Pattingham to congratulate Craig Thomas who recently won gold in Frankfurt for his black pudding.

We are spoiled for choice here in South Staffordshire, with so many different food producers to champion. We have fantastic wine produced at Halfpenny Green Vineyards, ale from Enville, McCains which produces millions of pounds worth of products in Wombourne and the brilliant Essington Fruit Farm who recently produced their own Staffordshire Sausage to celebrate Staffordshire Day. For this reason, I was delighted to lend my support to the Great British Food campaign that was launched by the government last month. The five-year campaign will give a boost to chefs, entrepreneurs and food producers to promote British food and drink at home and abroad. The campaign is well underway with 2016 designated the Year of Great British Food. The Great British Food Unit will support the campaign, turbo-charging our exports, supporting inward investment and championing the excellence of British food and drink at home and abroad.

I recently had a very productive meeting with members of the National Farmers’ Union and the farming community in South Staffordshire and discussed a range of important topics including the dairy industry, supermarket conduct, red-tape in agriculture, fly-tipping and the European Union. Farming continues to be an incredibly important sector for the UK and contributes significantly to our national economy and the preservation of our environment. It is vital for our economic future that we make British food and farming all it can be – we will do that by backing big business, supporting our local South Staffordshire start-ups and embracing our rich food heritage. South Staffordshire has some of the very best produce that the UK has to offer and there has never been a more exciting time for the UK’s food, drink and farming industry and I for one want to show the rest of the world just how great we are.

To contact Gavin Williamson call 01902 846616 or 0207 219 7150

/September 15 CP/JULY 16

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PGA Golf Tips from Jeremy Nicholls at South Staffs Golf Club Academy.....

A common fault in club golfers is to slice the ball, This shot will travel with a weak left to right ball flight and lacks power due to the angle of the club been to steep coming into the ball with the arms and club working to much across the body with the face of the club been to open at impact.

Here are a couple of tips to help fix a slice.

• The Club face will over rotate in the backswing (open too much), Try and feel the clubface looks at the ball longer in the takeaway this will help the club stay in a more neutral position when starting the backswing.

• Try and swing the club on a flatter path turning the shoulders which will get the club too work more around your body, and in the follow through feel as though your arms and club are swinging to the right of the target.

• Hopefully these couple of points will help you to hit straighter and more powerful shots.

South Staffs Golf Club Academy, Wood Road, Tel: 01902 847123 or 07711902149 Email: play@ledenegolf.co.uk

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Café Ledene now open DAILY from 9:00am Monday – Saturday and from 10:00am Sunday ALL WELCOME - Golfers and non-Golfers Hot and Cold Food and Drinks served daily in beautiful picturesque setting

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Brian Breakwell Painter & Decorator Semi-Retired with over 40 Years Experience Cheap Rates All Work Guaranteed

Tel: 07490 496006 or 01902 753364 Email: sarah-2503@hotmail.co.uk

PCB Plastics & Roofing • • • • •

PVC-U fascia and soffits, bargeboards & cladding Eaves Protection System supply & fit Verandas, Porches, Tiled Canopies Guttering/Dry verges General roof repairs and tiles replaced

07504 472459 or 01902 753482 Tyninghame Ave, Tettenhall

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