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FebrUARY 2015
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We have a team of experienced lawyers who can provide individual clients with a full range of services, delivered in an understanding, professional and efficient manner. We are members of the Law Society’s Conveyancing Quality Scheme - the mark of excellence for the home buying process.
We can advise and act for you on:
Arrangements
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
Welcome A very warm welcome to the Febuary 2015 edition of the Rayleigh Local Business Guide. The Essex Book Festival will be running throughout March and our article on page 4 gives you some ideas of where to meet some of our talented local authors. We also have our regular ‘What’s on in Rayleigh’ on page 16 where we feature a Pirates Week at Marsh Farm, an Italian Food Market and a Wedding Fayre at Mill Hall. In our regular community feature on the Acres Way Kennels, based in Castle Point (pages 10-11), we are pleased that Theo the Boxer, Misty the Blue Staff and Billy the Lurcher that we featured in our last issue have been successfully re-homed. We have 3 new dogs that are all looking for new loving homes.
Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION BUILDING SURVEYOR
6
CARPETS / FLOORING
7, 17
ELECTRICIAN 21
We have a feature on local charity ‘Peaceful Place’ (page 24) whose aim is to improve the lives of people with young onset dementia and those who care for them. We also have our regular column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (see centre pages).
GUTTER CLEANING
If you have any interesting stories about Rayleigh or if you are a local team, association or charity that would like to be featured in any future editions of the Local Business Guide then please drop us a line at: info@thelocalbusinessguide.co.uk
STOVES 20
If you would like to advertise in any of our Guides please contact Ricky on 01375 402546 and with prices starting from as little as £45 it is a really cost effective way of promoting and generating business from your local community.
ESTATE AGENCY
The Rayleigh Local Business Guide
BUSINESS CARD DIRECTORY
Publisher
CAR SALES
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Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk
COUNTRY PARK
22
DOMESTIC APPLIANCE SALES & REPAIRS
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Sales - Ricky Edwards 01375 402546 The Local Business Guide do not make any recommendations as to the fitness of the advertisers appearing in this publication to carry our their services and no recommendations should be deemed to have been made.
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KITCHENS
3, 13, 27
PLUMBING & HEATING
9
ROOFING 25 SKIP HIRE
2
WINDOW RESTORATION
5
FINANCIAL, LEGAL & PROPERTY SERVICES Back Page
FINANCIAL ADVISER SOLICITORS
Centre Pages Inside Front, 13, Inside Back
HOUSEHOLD & LIFESTYLE
CAR REPAIRS
26 6
EDUCATION 18 LEAFLET DISTRIBUTION
25
SPORTS & SOCIAL CLUB
8
HEALTH & BEAUTY SLIMMING CLUB
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All rights reserved. No part of The Local Business Guide Limited publications may be reproduced or used in any form or by any means either wholly or in part without prior permission of the publisher. This magazine is published by The Local Business Guide Ltd © The Local Business Guide 2015
www.thelocalbusinessguide.co.uk
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Essex Book Festival This year’s Essex Book Festival in March has some great opportunities to meet local authors. 2nd March at The Forum, Elmer Square, Southend 7pm - 9pm: Professor Pamela Cox will be discussing her book ‘Shopgirls: The True Story of Life Behind The Counter.’ The book shares true stories of some of the unsung heroines behind the counters of Britain’s stores - from the world of Mr Selfridge to the world of Mr Sainsbury.
15th March at The Royal Pavilion, Southend Pier - 10.30am - 11.30am: Meet author Jane Dolby from Leigh On Sea whose book ‘Song of the Sea’ is the story of her journey through love and loss to find her voice with The Fishwives Choir, uniting fishing communities across the UK. Jane founded the Choir, which is made up of women involved in the fishing community, after the tragic loss of her husband Colin at sea. 26th March at Rayleigh Library, 4 High St, Rayleigh 7.00pm - 9.00pm: Derek Wilson is an historian and expert on the Tudor period, who has published acclaimed non-fiction books on Tudor England and Henry VIII. He will be discussing ‘The Traitor’s Mark’ the second book in his compelling new fiction series based on real unsolved Tudor crimes, investigated by the fictional protagonist Thomas Treviot.
There is a rich diversity of literary talent in our area and a Local Authors Day will be held on 28th March at The Forum, Elmer Square, Southend between 10.00am and 4.00pm. Ann Duggans-Robson will introduce local authors to the public and signal the start of the children’s book and museum trail around Southend. The Forum will be the host venue for the day, and authors will be available for a chat and to sign books personally. 4
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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Cloudy2Clear Windows – Service With A Smile! It’s been a crazy few months for Cloudy2Clear Windows. The company which specialises in repairing windows which are steamed up, broken or damaged by replacing the panes – not the frames has grown rapidly as homeowners take advantage of their services. Managing Director Chris Miller feels that it’s all about service. ‘Our product is simple. If your double glazing is misted up we can replace the glass at a fraction of the cost of a new window, in any type of frame, and with a new 5 year guarantee. But it’s not just about saving
people money, although that obviously helps. Many tradespeople have struggled since last year and I honestly feel that during the good times a minority perhaps didn’t focus on customer care as much as they should have done. We make sure we turn up when we say we will, do the job the customer requires and leave their house as clean as a whistle. I often get comments back from customers on how they really didn’t expect that sort of service which, in a way, is very sad for the service industry as a whole.’ Cloudy2Clear service the Benfleet, Hadleigh, Thundersly and Canvey
Island areas and Chris is finding that his approach is a major factor in his success.‘The truth is that it’s not just the personal satisfaction that I get from doing a good job but also it makes good business sense. I get a huge amount of business from friends and family
of people I’ve done work for, which just goes to show how much a little bit of effort is appreciated.’ So, if your windows are steamed up, broken or damaged give Chris a call for a free quotation on 0800 61 21 118 and he’ll be happy to help!
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To arrange for your free estimate call 0800 028 7878 or call Stephen Franklin on 07777 690395 6031_MBrebner_Local Bus_1-2pg Ad:Layout 1 05/12/2014 14:34 Page 1 www.chipsaway.co.uk
Your Architectural and Building Surveyors
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T: 01268 856154 E: sales@mbrebner.com Unit 13a, Brook Road, Brook Road Industrial Estate, Rayleigh, Essex SS67XL 6
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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Working for the Community
Can you help Re-Home a Dog from Acres Way Kennels? Adopting a Dog
I
f you think you can offer a dog a good home, the first thing you need to do is to go down to the kennels, select a suitable dog you like, take it for a walk and see how you get on. Some people and dogs just don’t get along, so before reserving a dog, the Acres Way staff would need to see if you suit each other. If you have children, or another dog, they recommend that you bring them with you, to make sure that everyone will get on. Once you have visited the dogs, and hopefully found one that matches your lifestyle and expectations, a member of staff will arrange a convenient time for a home check. These are usually carried out within 2 or 3 days of your visit and take about half an hour. Once the
home check is complete, you’ll be able to collect your dog. You will need to bring with you some identification showing your current address, and the £130 adoption fee. Their staff will be on hand if you have any questions, and will be able to guide you through the adoption process. All the staff and dogs at Acres Way look forward to seeing you Re-Homing Update We are pleased that Theo the Boxer, Misty the Blue Staff and Billy the Lurcher that we featured in our last issue have been successfully re-homed. They are settling well into their new families.
Theo - Successfully Re-homed
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
This month’s featured dogs Alfie - Yorkie Cross
Male / Age 5
Loves : Tummy Rubs Looking for: Alfie is looking for a nice quiet home. He is very loving and is not enjoying kennel life. Would not be suitable to go with young children.
How to contact them
Boycie - Staff q Male / Age 6 Loves: Cuddle Up Looking for: Boycie is a fab little lad. He walks well on the lead and loves to cuddle up. He is not overly keen on other dogs except his sister Marlene. He is a great little character and would suit a family with older children.
Acres Way Kennels, Great Burches Road Thundersley, Essex SS7 3NE They are open 10am-3pm 7 days a week. Visitors are welcome at any time during these hours - no appointment is necessary.
By email: contact@acresway.co.uk By phone: 01268 770402
Barney - Labradoodle Male / Age 5
Loves: long walks and treats Looking for: Loving home with older children and without other animals.
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Wordsearch Under The Sea s l o b s t e r r v h t d i u q s n r n e r b c d e h o n a l j l e a a i j l o l a e h f e e s r l m w o e l l d u g s a r e a l d e p i e s r h y p a n o s e l w f t e i s t e a n i h p l o d c r e s h e l l h r o e h f k r a h s c • • • • 12
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Money Guidance New Pension Rules T
he incredible new rules have now been confirmed and have turned pensions into the most flexible & tax efficient savings plans, given that your contributions to a pension receive tax relief and then grow virtually tax free over the years. There is now no limit on the amount you can take from your pension (currently from age 55). If you wish to enjoy it over the early years of retirement that will be your choice. If you would rather invest it to make a sustainable income, or any combination of income and lump sum withdrawals then again, the choice is yours. There are two new ways to facilitate this:
Flexi Access Drawdown This allows you to take up to 25% tax free lump sum, the balance of your pension fund is then invested in a Flexi Access Drawdown. From the invested fund you are free to take withdrawals of any amount at any time. This could be as regular monthly payments to meet your living expenses or one off withdrawals to fund things like holidays or new cars, but beware anything above the 25% will be taxed as income, so any ideas you have about ‘spending’ your pension fund should be very carefully considered. The media have been talking about withdrawing your fund to buy rental property. This makes little sense to us - why would you move a now highly ‘liquid’ tax exempt fund into a very ‘illiquid’ taxable asset?
Uncrystallised Funds Pension Lump Sum (UFPLS) This options allows a lump sum of any amount to be taken from uncrystallised funds (funds from which benefits have not yet been taken) , and leaves the remaining funds invested and in the pension. 14
These lump sums are paid as 25% tax free/75% taxed as income. For those not requiring their tax free lump sum upfront, this is likely to be the most tax efficient method of receiving retirement income – 25% less income tax than would otherwise be the case.
Death Benefits The new rules provide unparalleled opportunity to pass on wealth, free of tax. Previously once ‘crystallised’ the only way your fund could pass to someone other than your spouse was after a 55% tax charge. It is now possible to pass your pension fund on death without tax. If you die before 75 your beneficiaries will pay no tax at all, after 75 the fund is tax free but any withdrawals your beneficiaries make are taxed as income at their rate of tax. All the old objections to pensions have been swept away. You must consider maximising contributions to pensions during your working life. The tax efficiencies are enormous. Equally you must get advice on the best way to withdraw your pension or it will be too easy to run out of money or pay far too much tax in retirement. As experienced and qualified pension and retirement advisers we would of course be happy to help.
Martin Lamb, Dip.PFS Certs CII (MP & ER)
We will notify you before we begin any chargeable work and provide an estimate fo costs. Some aspects of business and corporate advice are not regulated by The Financial Conduct Authority.This article does not constitute investment advice, readers should seek an assessment of their needs and requirements before making any decisions based on the content of this article
to advertise in the next issue of The Local Business Guide call: 01375 402 546
Thinking of retiring? Need advice with the finances? HMRC have announced the final rules following the momentous budget changes announced earlier in the year. These new rules will become effective from April 6th next year, so if you are planning on retiring soon you really need to be aware of them! View the performance of our portfolios and our client testimonials at josephlamb.co.uk. For a FREE consultation or a simple, informal discussion about your investment or pension concerns, call 01268 749880.
Investment Management Inheritance Tax Planning
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More than 40 years of experience in wealth management, investment advice and inheritance tax planning. Joseph lamb is the trading style of Joseph R. Lamb Independent Financial advisers Ltd – Chillingstone House, 26 Eastwood Road, Rayleigh, Essex SS6 7JQ. Past performance is no guarantee of future returns. The value of investments can fall as well as rise. Joseph R Lamb IFA Ltd are authorised and regulated by the Financial Conduct Authority.
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What’s On In Rayleigh Pirates Week at Marsh Farm Monday 16th - Friday 20th February 2015 Starts: 10.00am Ends: 5.00pm Marsh Farm Road, South Woodham Ferrers, CM3 5WP Ahoy there me hearties. Join Blackfoot the Pirate this February Half Term for treasure hunts, pirate ship playtime and many more swashbuckling adventures around Marsh Farm Animal Adventure Park. For details visit www.marshfarm.co.uk.
Italian Food Market Saturday 21st February 2015 Starts: 9.00am Ends: 5.00pm High Street, Rayleigh “Italia In Piazza” - the real Italian Food Market. There will be stalls on the High Street selling all types of Italian food both sweet and savoury. Other market stalls will also be available selling ladies fashions, handbags/purses, jewellery, ornaments and gifts.
Wedding Fayre Sunday 1st March 2015 Starts: 11.00am Ends: 4.00pm The Mill Hall, Bellingham Lane, Rayleigh, SS6 7ED Over 40 of the best local wedding suppliers exhibiting on the day plus live music and entertainment. The Windmill itself which is the popular wedding venue will also be open and dressed for a wedding to give you a taste of how stunning it can be. FREE goody bags on the day for all brides to be. FREE entry FREE parking. For more information call 07508 409634 or 07739 984954 or visit www.dyverse-events-rayleigh.co.uk.
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
Supplying to reSidential , commercial cuStomerS
& trade Full supply and installation service for all flooring types to suit your home and style Carpets including Crucial Trading, Brintons, Cormar, Westex , Ryalux, Penthouse and many more.... Engineered Wood from Kahrs, Xylo and more, Quick Step & various other Laminate brands Design flooring & Luxury Vinyl’s from Karndean & Amtico We work with you to achieve your vision through every step of your flooring project Call us today to book a no obligation estimate to suit all budgets or visit us at our showroom at:
40 LAURENCE BUSINESS PARK , SOUTHEND ON SEA ESSEX SS2 6RH
Tel: 01702 522123 Email: info@youngs-flooring.com
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Learn something
NEW
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ACL Rayleigh
Get creative!!
Art (lots of subjects to choose from) Bookbinding Cake Decorating Fashion Floristry Jewellery Making Sewing Shabby Chic Textiles Willow Weaving Upholstery
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and more
Computing History Maths (help your kids)
Don’t miss out...enrol now
at your Adult Learning Centre above Rayleigh Library in the High Street.
Call: 0333 013 9977 to advertise in the next issue of The Local Business Guide call: 01375 402 546 18Visit: www.essex.gov.uk/adultlearning
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www.simplystoves.ltd.uk Be Prepared This Winter! Wood Burning & Multifuel Stoves Gas & Electric Stoves Chimney Liners Supplied & Fitted Log Baskets & Gifts Approved Dealer for all Major Brands Extensive NEW Stove Showroom Free Nationwide Delivery
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Local Charity - Peaceful Place P
eaceful Place is a small but growing charity supported by and serving people in South East Essex. Their aim is to improve the lives of people with young onset dementia and those that care for them. At the heart of their services they operate a Day Centre from their base in Rochford which focuses on providing active, stimulating and person centred activities in a safe and friendly environment as well as community based activities enabling people to continue to live life to the fullest. They also provide advocacy services to people living with young onset dementia, providing much needed support to individuals and their families as well as regular support groups for carers and those with a young onset dementia diagnosis. The day centre is open on weekdays between 8.30 AM and 4.30 PM with a high staff to member ratio. Their aim is to stimulate the mental, physical and social skills of their members. Activities include pool, air hockey & table tennis, art, crafts & pottery, pub games & quizzes,
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weekly outings & restaurant visits, live music & guest speakers and much more. Peaceful Place are able to go the extra mile thanks to the support of local people. They have a team of volunteers in the day centre and at their shop. Those who help fundraise are invaluable and it is because of their hard work and commitment that Peaceful Place can make sure they provide support that makes a difference. Younger adults with dementia under 65 years old and living within the Rochford, Castle Point and Southend areas can be referred to the service by contacting the Day Centre Manager on 01702 546476 or by email to DCM@peacefulplace.co.uk. If you would like further details of the individual services provided by Peaceful Place please visit www. peacefulplace.co.uk.
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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sinks, and full kitchen redesigns too
■ Installed quickly and
cleanly by our very own local, expert craftsmen and registered fitters
■ Only 50% deposit –
pay the rest when fully satisfied
BEFORE AFTER
Most kitchens fitted in only
Over 1000 combinations of doors and worktops
www.dreamdoors.co.uk
• Est 1999
s•
showroom al
01702 668519
ational An n ork of lo c etw
For your FREE design consultation and estimate call John or Elaine now on
2 days!
or visit our showroom at 1741, London Road Leigh-On-Sea SS9 2SW
Mon, Tues, Thurs & Fri 9.30am-5pm Sat 9.30am-4pm *Terms and conditions apply
www.thelocalbusinessguide.co.uk 36068 DREAM DOORS leighonsea 210x148.indd 1
27
26/04/2013 15:24
TO ADVERTISE IN ANY OF OUR LOCAL BUSINESS GUIDES
Rayleigh
Castle Point
Southend & Westcliff DelivereD
Call Ricky: 01375 402546 Mobile: 07969 211229
DelivereD
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to advertise in the next issue of The Local Business Guide call: 01375 402 546