Wombourne Pages July 2016

Wombourne Pages

JULY 2016

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

p2 ››› Gavin Williamson MP Update

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››› Sleep Well with Greens

p3 ››› Summer Holiday Drama Classes

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››› Free Will Consultation p9 ››› Classes & Groups p10 4 4 ››› Lose Weight for Summer p5 ››› South Staffs Cycling Scheme p12 4 4 USE LOCAL : SHOP LOCAL : EAT LOCAL : SPEND LOCAL : ENJOY LOCAL

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Wombourne Business Index Home & Garden Alarms/CCTV/Home Security Bathrooms Cleaning Services Decking & Fencing Electricians External Cleaning Flooring Garden Centre Gardening & Landscaping Gutter Cleaning Ironing Lighting Oven Cleaning Painter & Decorator Plasterer Plumbing & Heating Property Maintenance

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Roofing Tree Surgeon TV Repairs Windows, Doors, Conservatory Window Cleaning Classes, Groups & Events Dance Classes Events Slimming Theatre & Performing Arts Tutoring Lifestyle, Leisure & Retail Beds & Mattresses Chiropodist Driving School Finance & Estate Planning Funeral Directors Hair & Beauty Jewellery

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PP/DECEMBER

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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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A Word From Gavin Williamson............... In the middle of a busy day of constituency events, there is nothing better

than stopping at one of our many wonderful butchers like Boxley’s and Bromleys here in Wombourne 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, flytipping 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

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LOCAL CLASSES & GROUPS: WOMBOURNE SLIMMING WORLD: On Tuesday's at The Venerable Bede on Giggetty Lane Slimming World ( Wombourne ) is held at either 3pm, 5pm or 7pm. Call Claire on 07942989989 for more info SLIMMING WORLD: On Wednesday's at St Bernadette's RC church, Rennison Drive, Wombourne is held at either 9.30am or 11.30am.

Call Claire on 07942989989 for more info CYCLING GROUP: The SSCS promotes cycling as a fun and safe way to stay active and healthy by providing guided inclusive community based cycle rides in order to increase physical participation and improve well being across a range of age groups and ability levels. For info and ride details please call April on 07794 710927 or Neil on 07910 023306 or find us on twitter/facebook WALKS & TALKS: Throughout the year Staffordshire Wildlife Trust and the RSPB have a series of walks and talks at various locations. Everybody is welcome all events. See www.connectpages.co.uk for the timetable.

WOMBOURNE & DISTRICT SCIENTIFIC & HISTORICAL SOCIETY: Meetings held on the 3rd Thursday each month at 7.30pm in the Wombourne Community Centre (Library Building). Email secretary@wombournescientificsociety.org.uk or see website at www.wombournescientificsociety.org.uk for more information and the timetable of events.

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Tips From Your Local PGA Pro at Perton Park.....

Try This Simple Game Plan on Shots over Water "Gotta carry something? Add five yards for a little cushion."

You've got a nice fairway lie, comfortable iron to a big green. But the pin's up front, over a pond or a deep bunker. Using your range finder, you get the exact yardage: 151. Perfect 7-iron. But just when you need a solid strike, you miss it a touch.

You watch in agony as your ball splashes in the water or disappears in the sand.

First, if you always think 7-iron from 150 yards, you probably carry it 145 and it rolls another five. Those five yards can be huge when you have to fly something. Most golfers fail to factor in bounce and roll when they determine yardages to the pin. Do yourself a favour on all-carry shots: Add five yards to your actual distance.

Second thing: When you're facing an intimidating shot, realize what it's doing to you. Now is not the time to firm up your grip. Do the opposite: Relax your body, especially your hands, arms and shoulders. This will allow a fuller turn, a freer swing and better contact. Your shots will fly higher and go farther.

And forget about that front pin. Would you rather have a 30-foot putt from the middle of the green, or be in the hazard?

Jeremy Harrold, Tel: 01902 380073 or email: jeremy@pertongolfclub.co.uk

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Useful Numbers Gravel Hill Surgery: 01902 893375 Dale Medical Practice: 01902 892209 Willows Dental Practice: 01902 324230 Wombourne Clinic : 01902 892495 Wombourne Civic Centre: 01902 896300 Wombourne Library: 01902 892032 St Benedict Biscop CE Church: 01902 897700 St Bernadette's RC Church: 01902 893434 United Reformed Church: 01902 896116 The King's Way Church: 01902 898100 Wombourne Methodist Church: 01902 358420 Neighbourhood Police: 0300 1234455 Staffordshire Police: 08453 303132 MP: Gavin Williamson: 01902 846616 Souths Staffs District Council: 01902 696000 Staffordshire County Council: 01785 223121 Parish Council Office: 01902 896300 Wombourne Volunteer Bureau: 01902 892492 If there are any other telephone numbers you think would be useful to the people of Wombourne then please contact us at wombournepages@gmail.com 14

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