Tettenhall Pages May 2016 by Kay Garrison

Tettenhall Pages

MAY 2016

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

p2 ››› Springtime Gardening

››› Men & Ladies Golf Offer

p2 ››› 10% off Lighting

p17

››› FSC Investment Advice

p5 ››› Half Term Drama Workshop

p22

››› Beauty & Nail Offer

p16 & p20

p11 ››› Tettenhall Policing Update

p23

USE LOCAL : SHOP LOCAL : EAT LOCAL : SPEND LOCAL : ENJOY LOCAL

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Tettenhall Business Index Home& Garden Ala rms /CCTV/Home Se curity Ba throom Blinds Ca rpe ntry Cle a ning Se rvices De cking & Fe ncing Drivewa ys Ele ctricia ns Externa l Cle a ning Flooring Ga rde n Ce ntre Ga rde ning & La nds ca ping Gutte r Cle a ning Kitche ns Lighting Locks mith Ove n Cle a ning Pa inte r & De cora tor Pla s te re r Plumbing & He a ting Prope rty Ma intena nce Roofing Tre e Surge ry

17 6,10,19,21 13 13,14 14,16,20 10,11 9,19 3,7,12,17,19 7,13 1 16,20 7,9,15,18,23 23 21 17 19 12,16 7,14,15,19 18,19,22 15,19 6,12,16 6,15,16 3,12 Windows, Doors & Conservatories 11,15,16 ,18,20,21 Window Cle a ning 15 Animals & Pets Dog Wa lking 12

IT, Finance & Prope rty Computers & Re pa ir Fina nce & Es ta te Pla nning Eating & Drinking Coffe e Shop & ca fe M otoring & Transport Bodywork Ma inte na nce Ta xi Se rvice Classes, Groups & Eve nts Da nce Cla s s e s Eve nts Slimming The a tre & Pe rforming Arts Tuition Lifestyle, Le isure & Re tail Antique s Childca re & Schools Chiropodis t Community Ca re Driving School Fune ra l Dire ctors Gifts & Home wa re Golf Club Ha ir, Hea lth & Be a uty Ve nue Hire

12 5,24 1 6 23 6 14,15,18 3,10 8,18,19 22 12,15 9 1 18 12 7,15,16 14 13 2,4,22 7,9,11,20

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David Cameron’s public admission of his families tax planning arrangements have brought the whole issue of what’s legal, what’s illegal, and what’s morally correct fully into the headlights as the hot topic of discussion for this article. Let’s be honest here, nobody wants to pay more tax than they are legally obliged to pay, so the whole moral issue of what’s right and wrong is really down to personal choice. Some people think that having worked hard all their lives that taxing our pensions, our savings and finally our family homes and goods on death is a very harsh system. Others believe that the more tax everyone pays the less the burden is on the state to look after everyone who is less fortunate than those who have wealth. My Job as an independent financial adviser and wealth manager, is to show people what steps can be taken to reduce or even eliminate the tax burden on their wealth, help them to manage the investments that they have (in a tax efficient and safe way), to set up the trusts and other arrangements that help to protect you and your family, and finally to help you to manage this throughout your life. The Inheritance Tax issue is especially touchy as so many people really don’t understand how much they can own before the tax becomes an issue, how much they can give away, how much tax should be paid on lifetime gifts, Wills and will planning, and lastly but most importantly how to retain control of your money and still be able to have effective tax planning in place to mitigate your liability. Most advisers will tell you the basics about the fact that you have a £325,000 nil rate allowance, the fact that gifts made to family or friends should not exceed £3,000 to any one person and any number of gifts of £125.00 to anyone you like, the fact that you can make gifts over the £3,000 but the donor (the person making the gift) must live seven years before the gift becomes free of all IHT. How many will mention Business Property relief arrangements using AIM shares to mitigate the tax within two years not seven. How many will be qualified to discuss Gift and Loan trusts, Bare Trusts and Family Trusts, and be able to advise you on which is the best for you? AT FSC Investment Services Limited we have developed a strategic planning approach to IHT which we can prove will suit all people and all sizes of estate. If you are concerned that you and your family have Inheritance Tax problems then please give us a call and we will be happy to arrange an initial no cost non obligation meeting to show you how we work, explain the costs and benefits of each arrangement and then you will be properly informed and able to make the right decision for you and your family. Please note that the following areas are not regulated by the Financial Conduct Authority - Trusts, not all tax planning and will writing. Call: 01902 422333 or Email: info@fscinvestments.co.uk Frank Cochran - Managing Director & Independent Financial Adviser, FSC Investment Services Ltd. 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

Tettenhall Wood Health Centre: 01902 444560 Tettenhall Medical Practice: 01902 444550 Claregate Dental Practice: 01902 754525 Mark Webb Dental Surgery: 01902 753197 Tettenhall Library: 01902 556308 St Michaels Church: 01902 751622 Christ Church Tettenhall Wood: 01902 751116 Christ the King, Aldersley: 01902 212405 St Thomas of Canterbury RC Church: 01902 751025 Tettenhall Wood United Reformed Church: 01902 564235 Neighbourhood Police: 101 ext 7601 6154 Wolverhampton Police: 0845 113 5000 MP: Rob Marris: 07824 155274 Wolverhampton City Council: 01902 551155

If there are any other telephone numbers you think would be useful to the people of Tettenhall then please contact us on tettenhallpages@gmail.com

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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

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PGA Golf Tips from Jeremy Nicholls at South Staffs Golf Club Academy..... Club Face and Body Alignment A basic fundamental to helping you hit straight golf shots is the club face angle and body alignment being parallel to your target when addressing the ball. If for instance you are slicing the ball don’t aim left of the target to compensate for a slice because you are just compounding the fault, likewise if you hooking the ball do not set up to the right of the target as again this just exaggerates the fault . To correct these faults: • When practicing Firstly identify your target, take an alignment stick or a club and place it on the ground pointing directly at your target, this is known as your “target line” . • Now lay your second alignment stick/club on the ground in line with your feet. Your shoulders and hips should also run parallel to this line. • If you take a step back these two sticks , should both be running parallel towards your intended target. • Your club face angle with the shoulders,hips,and feet should now be positioned correctly which will allow the club to travel on a better path into the ball. • Finally be aware of the ball position at address inside your left heel with your woods, middle of the stance with your irons.

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

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