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Chiropractic
Back pain? neck pain? CONSULTATION & X-RAY
(If Required)
JUNE 2014
£36
RRP £68
Southend: 01702 616500 Rayleigh: 01268 778686 www.spinalcareclinics.co.uk
www.businesscard-directory.co.uk
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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 June 2014 edition of the Rayleigh Local Business Guide. Summer is nearly here and we can finally get outdoors for some fresh air. Our feature on Family Friendly Walks on page 4 will give you some good ideas of where to go. We also have our regular ‘What’s on in Rayleigh’ on page 16 where we feature a fundraising concert, a charity information session, a summer fete and a local history exhibition.
Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION CARPETS / FLOORING
5, 17
CLADDING
24
DRIVEWAY CLEANING
2, 21
In our regular local community feature on the Acres Way Kennels, based in Castle Point, (pages 10 & 11), we are thrilled to announce that 3 of the dogs featured last time, Amy the Lurcher Cross Staff, Fifi the Staff and Dinky the cross breed have been successfully re-homed. We also have 3 new lovely dogs that need your help!
ELECTRICIAN
PLUMBING & HEATING
26
We also have our regular column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (see centre pages).
SKIP HIRE
25
WINDOWS
19
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
FINANCIAL, LEGAL & PROPERTY SERVICES
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.
NEW HOMES
Also, check out our website www.businesscard-directory.co.uk to get information, contact and location details of many local businesses.
CAR REPAIRS
The Rayleigh Local Business Guide
COUNTRY PARK
23
DOMESTIC APPLIANCE SALES & REPAIRS
13
Publisher
GOLF & COUNTRY CLUB
Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk
Sales - Ricky Edwards 01375 402546
20
HANDYMAN
9
KITCHENS
ESTATE AGENCY FINANCIAL ADVISER
3, 22
Back Page Centre Pages Inside Back
HOUSEHOLD & LIFESTYLE BUSINESS CARD DIRECTORY
8 21
CAR SALES
6
Inside Front
MOBILE PHONE REPAIRS PICTURE FRAMING PHOTOGRAPHER SPORTS & SOCIAL CLUB
27 9 24 7
HEALTH & BEAUTY HEALTH & FITNESS
2
OPTICIAN
20
WEIGHT LOSS
20
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. 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 2013
www.thelocalbusinessguide.co.uk
1
Fully Equipped Health and Fitness Studio Only £25 Per Month - No Contract Monthly Progress & Programme Updates Full Induction With Initial Health Checks & Programme Design - FREE 1 Hour 1-2-1 Session Upon Joining
- Get MotivatEd - Get RESULtS - Get into the HaBit Outdoor & Indoor Boot Camps Available No Contracts & Pay As You Go Available Monthly Progress Checks Food Diary Analysis & nutritional Advice
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Family Walks in Essex Finally Spring has arrived and we can start spending more time in the great outdoors. Here is our pick of some of the best walks in Essex that are suitable for families. Great Notley Country Park boasts 100 acres with views across open farmland and a link to over 15 miles of walking and cycling paths. The site offers many facilities including a sensory trail, endless play equipment, cycle hire centre, fishing, a visitor centre and bistro. A great day out for the whole family. For more details visit www.visitparks.co.uk/places/great-notley-country-park Thorndon Country Park North in Brentwood is a beautiful woodland area filled with bluebells and other spring flowers at this time of year. Children of all ages will enjoy an adventurous walk through the deep dark woods to hunt for the Gruffalo along with all the other characters from the classic tale from Julia Donaldson. If you call into the visitor centre you can pick up an activity map for 50p For full details visit www.brentwood.gov.uk
In the village of Castle Hedingham not only can you explore the magnificent castle but you can walk round the beautiful daffodil and bluebell-filled grounds. The 900 year old Norman keep of Hedingham Castle stands in 160 acres of landscaped gardens and woodland. There are lots of events that take place here, from jousting tournaments to wedding fairs. For more details visit www. hedinghamcastle.co.uk Belfairs Park and Nature Reserve in Leigh-onSea is a great family day out with ancient trees, birdwatching and butterflies.The Belfair’s Woodland Centre is open daily from 9am until 5pm and provides a space for schools, groups and families to learn about south Essex’s fantastic ancient woodlands in an interactive way. For more information visit www.essexwt.org.uk/reserves/belfairs 4
to advertise in the next issue of The Local Business Guide call: 01375 402 546
www.thelocalbusinessguide.co.uk
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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
s
mark the handyman
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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’re pleased to advise you that Amy the 4 year old Lurcher Cross Staff, Fifi the 2 year old Staff and Dinky the 2 year old cross breed that we featured in our last issue have been successfully re-homed. They are all settling in well and are happy in their new homes.
This month’s featured dogs Dizzy - Lurcher Cross
Female / Age 3 - 4
Good with other dogs: Yes Good with children: Unknown Additional information: Very friendly dog. Can be a little nervous when first meets you
10
to advertise in the next issue of The Local Business Guide call: 01375 402 546
Blaze - Husky
Male / Age 8 months
ď ˝
Good with other dogs: Yes but couldn’t live with Good with children: Teenagers Additional Information: Will need some training, does mouth when excited
Roxy - Mastiff q Female / Age 4
Good with other dogs: She will need a meet and greet as she is very picky about who she likes Good with children: 10 plus Additional Information: Would be best with an experienced owner
How to contact them 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
www.thelocalbusinessguide.co.uk
11
Wordsearch Summer H M A E r C E C T F L O W E R S A D G I L e s A U C E A S L h e N N G I R P Y F R C T N A D S A o a A A i S E A D T U M N M Y N W I s g P h M a I H L r e I R I R N C O e G N N W V G A H u n G a S U P E U C E B R A B G B P I C N I C I • • • • 12
BARBECUE BEACH CAMPING FLOWERS
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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13
Money Guidance
A
nti Pension? I am sure many people are as the media have had very little of any good to say about the subject for a decade or more. Well times have changed- the Budget has dramatically shaken up the world of pensions- and for the better. Although the new rules are not finalised and will not be effective until April 2015, they will deal with the most common objections relating to pensions. The most frequent objection I hear is ‘my pension will die with me’, the second is ‘ At current annuity rates I will have to live for 20 years just to get my own money back’. Traditionally most people have accessed their pension funds by buying an Annuity at retirement. In doing so you effectively swap your fund for the promise of a guaranteed lifetime income. This income is loosely linked to interest rates and life expectancy, and as rates are at historical lows, and life expectancy has increased, the pension will need to be paid for longer. As such Annuity rates have been at all-time lows, and indeed it would take twenty years or more for many of us to see the value of our pension returned as income. Whilst there have always been annuity options available to pass your Annuity onto your wife , and in some limited cases, other beneficiaries, these are not always selected as they reduce the Annuity rate even further. It goes without saying that Annuities have therefore become very poor value over recent years – but it has always been an HMRC requirement that you HAD to use your pension fund to buy an Annuity or alternative form of income plan at retirement. The budget has effectively thrown this requirement away- from April 2015 you will be able to draw as little or as much money from your pension plan, as and when you need it from the age of 55. If you want to draw down higher amounts over fewer years to enjoy it whilst you are still fit and young enough to then that will be your choice. You can also limit the amount of interest accruing by setting your Lifetime Mortgage up as a facility, drawing down portions of the agreed loan only as you need them. An example may be that you could borrow £50,000 but only draw down £15,000 to improve your home, you will only be charged interest on the £15,000 with a further £35,000 in reserve to draw down at some point in the future.You retain the right to live in your property and the products we recommend mean that you can never owe more than the property value. Any fund left on your death can be transferred to your spouse, and any left on their death can be transferred to your family, albeit it is then subject to a tax charge which is currently under review. Irrespective of the charge it is better to leave your family a taxed fund than no fund at all!
14
I have seen many newspaper articles encouraging people to draw down their entire pension fund, or to take it out and move it to a ‘cheaper’ investment plan. Beware- very few of these articles mentioned that income tax will be payable on withdrawals. If you were to access your whole fund, on top of any other income, you could be paying 45% income tax! It makes no sense to move it out of the pension, pay tax , and then go and put the capital in a taxable investment- please consider any such ideas very carefully- and seek advice before doing anything! So if you have control over the level of income in retirement, and your fund can be left for others – why wouldn’t we all put our money into pensions? This still needs consideration for Basic Rate tax payers as investing in ISAs may not give you the benefit of tax relief on the contributions, but income can be taken from ISAs in the future without income tax and you can access it whenever you like. Pensions cannot be accessed until 55. If your employer is paying in as well as yourself ten that clearly tips the balance towards pensions, and non-tax payers (housewives and children) can have £3600 pa paid into pensions and still get the tax relief! If you are paying higher rate tax then pension funding is now a ‘must do’. The tax reliefs granted boost your pension fund from outset at levels that simply cannot be obtained from any other form of investment, other than high risk specialist investment tax shelter schemes. Joseph Lamb are the area’s leading point of retirement specialists. We help hundreds of people plan and manage their retirement every year and have been successfully managing ‘ Income Drawdown’ accounts for nearly two decades. Advice will be needed to determine the most suitable plans and underlying investments , and to help manage a sustainable income from your pension plans. If you are retiring soon we would be happy to assist you, and if you are still years away from retiring- start saving now! There has never been a more favourable environment to encourage you to save for retirement- and believe me- 55 will be upon you before you know it! Martin Lamb, Dip.PFS Certs CII (MP & ER) This article is not intended to provide advice, nor does it imply that ant Equity Release service or product is suitable for you. Always seek independent legal and financial advice and check carefully the terms and conditions of any product if you want your family or others to inherit the full value of your home. Lifetime Mortgages are secured against the value of your home, Home Reversions involve an actual sale of part of the value of your home.
to advertise in the next issue of The Local Business Guide call: 01375 402 546
www.thelocalbusinessguide.co.uk
15
What’s On In Rayleigh An Evening with Gari Glaysher and Friends Sunday 15th June 2014 Doors open at 7.00pm Mill Hall, Bellingham Lane, Rayleigh, SS6 7ED
Raising Funds for Haven Hospices. For tickets & information call 01268 684881 or visit www.essexinfo.net/rockforhavenssake
Dementia Friends Information Session Wednesday 25 June 2014 Starts: 2.00pm Ends: 3.00pm Hullbridge Library, Ferry Road, Hullbridge, SS5 6ET Free information session on how we can support those living with dementia in our community. The session will include lots of information and activities. Places are limited so if you would like to attend please email hullbridge.library@essex. gov.uk directly to book your place
Summer Fete Saturday 5th July 2014 Starts: 1.00pm Ends: 4.00pm Rayleigh Primary School, Love Lane, Rayleigh, SS6 7DD A fun filled family Summer Fete to raise funds. If any external businesses would like to have a stall or sponsor a stall, please contact joe.burton@redskypr.co.uk.
Rayleigh in WW1 Exhibition 26th July - 10th August 2014 See below for windmill opening times 2nd Floor, Rayleigh Windmill, Rayleigh Exhibition by “Rayleigh Through The Looking Glass.” Windmill opening times are Wednesdays 10am to 1pm and Saturdays & Sundays 1pm to 4pm (closed Saturday 2nd August & Saturday 9th August for weddings). There will be 2 additional opening days during this period and they are Monday 4th & Tuesday 5th August. For more details visit www.rayleighthroughthelookingglass.co.uk 16
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
www.youngs-flooring.com www.youngs-flooring.com
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17
Quick Sudoku Every Sudoku has a unique solution that can be reached logically. Enter numbers into the blank spaces so that each row, column and 3x3 box contains the numbers 1 to 9.
3
9 6 4
9 6
2 5 8
3 9 7 8 3 2 1 5 3 6 9 6 3 4 1 6 4 9 4 1 5 6
7 8 1 7 4
Hard
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6 3 8
5 9 7
7 6 5 1 4 9 7
Daily Sudoku: Sun 16-Mar-2014
3 5
4 2 9
2
1
6 2 9 4 3
(c) Daily Sudoku Ltd 2014. All rights reserved.
1 7
1
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Daily Sudoku: Tue 11-Mar-2014
6 8 2 9
8
3 6
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7 8 5 7 1
18
5 7 4 9 6 1 3
7
1 4
6 1
2 8
8 4 9 9
3 2
3 5 6
(c) Daily Sudoku Ltd 2014. All rights reserved.
5
(c) Daily Sudoku Ltd 2014. All rights reserved.
8
Medium
(c) Daily Sudoku Ltd 2014. All rights reserved.
Easy
Daily Sudoku: Thu 13-Mar-2014
http://www.dailysudoku.com/ to advertise in the next issue of The Local Business Guide call: 01375 402 546
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Quality isn’t expensive........ it’s priceless
Windows Replacement - Doors Windows - Conservatories and Doors Quality isn’t expensive........ 26 Years of Providingit’s Excellence priceless Call or Visit
our showrooms to view an extensive range of Windows and Doors Thermaseal Window Systems Ltd
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Tel: 01268 561717
90 High Street Billericay, Essex CM12 9BT
Tel: 01277 655511 www.thelocalbusinessguide.co.uk
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love
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Join a warm and friendly group near you today‌
Monday RayLEIGH Methodist Church Hall, Eastwood Road (opp Picton Gardens) 5.30pm & 7.15pm
Tel: Anne 01268 758593 07764 483761 slimmingworld.com 0844 897 8000
A Comprehensive Optical Service A Comprehensive Optical Service NHS & Private Eye Examinations On-Site Glazing NHS & Private Eye Examinations Contact Lenses Repairs Undertaken Retinal Photography
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Tel. 01268 741664 127 High Street, Rayleigh (opposite the library)
20
Tel. 01268 741664
to advertise in the next issue of The Local Business Guide call: 01375 402 546
To arrange for your free estimate call 0800 028 7878 or call Stephen Franklin on 07777 690395 www.chipsaway.co.uk
www.thelocalbusinessguide.co.uk
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to advertise in the next issue of The Local Business Guide call: 01375 402 546 36068 DREAM DOORS leighonsea 210x148.indd 1
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ORNATE PHOTOS
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Life’s precious moments can come and go in a heartbeat! Ornate Photos can capture the best images to truly reflect your timeless memories either at our studio or at a venue of your choice Our photographers are all certified and assessed by the Royal Photographic Society (RPS) WEDDING PHOTOGRAPHY SERVICES DESIGNED AROUND YOUR BUDGET
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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SPRING OFFERS! • BOILER SERVICING £35 + vat
• SYSTEM HEALTH CHECK £45 +vat • BOILER RENEWAL from £1000 + vat • POWER FLUSHING from £200 + vat Offers open until 31st August 2014!!
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E-Mail : info@castlepointgas.co.uk Web:www.castlepointgasandelectric.co.uk 26
to advertise in the next issue of The Local Business Guide call: 01375 402 546
mobile phones and laptops repaired Cheapest and quickest mobile service in Essex 07770 722620
Useful Phone Numbers Emergency Services
Police, Fire, Ambulance Essex Police - non-emergency Crimestoppers Rayleigh Police Station Rayleigh Neighbourhood Policing Team
999 101 0800 555111 0300 3334444 07813 953703
24hr A&E - Basildon Broomfield, Chelmsford Southend
01268 524900 01245 443673 01702 435555
NHS Direct confidential health advice Rayleigh Clinic
0845 4647 01268 366600
Hospitals
Health
Councils
Essex County Council 0845 7585592 Rochford District Council 01702 546366 MP - Rayleigh & Wickford- Mark Francois 01268 742044
Out of Hours Emergencies Recycling/Refuge/Household Collections Environmental Health/Pest Control Tree Preservation Orders/Woodland/Parks Planning/Building Control Cemetries/Land Charges Housing/Homelessness Parking/Roads & Transport Housing Benefit Council Tax Benefit Animal Welfare Business Rates Rayleigh Library
01268 527317 01702 318111 01702 318111 01702 318111 01702 318191 01702 318191 01702 318191 01702 318166 01702 318197 01702 318198 01702 318057 01702 318017 01702 775830
Emergency Utilities
Electricity - UK Power 0800 7838838 Gas - National Gas Emergency Service 0800 111999 Anglian Water Services 0845 7145145 Essex & Suffolk Water www.thelocalbusinessguide.co.uk 0845 7820999
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TO ADVERTISE IN ANY OF OUR LOCAL BUSINESS GUIDES
Rayleigh
Castle Point
Southend & Rochford FREE
Call Ricky: 01375 402546 Mobile: 07969 211229
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www.bellway.co.uk
Part Exchange.
“ With Part Exchange we were sitting in our luxurious new kitchen in no time”
The easiest move you’ll make. An exciting opportunity to purchase a family home in the highly sought after location of Rayleigh. Ideally located for fast track links into London. This new and exclusive enclave development offers a fantastic selection of 3 & 5 bedroom houses starting from only
KINGLEY GRANGE London Road, Rayleigh SS6 9DT.
OVER 80% SOLD!
£289,995 With Part Exchange we’ll buy yours - so that you can buy ours.
PART EXCHANGE BENEFITS • Good offer for your old home based on independent valuations • Stay in your existing home until your new house is ready • No estate agent fees • Stress free move
Help to Buy
Call: 01268 812 100 Visit: Sales centre & show homes open daily 10am - 5.30pm and open late Thursday 10am - 7pm.
HELP TO BUY also available*
*Terms & conditions apply. Prices correct at time of going to press. Specification on site may differ. Pictures for illustration purposes only.
Bellway reserve the right to refuse a part exchange, terms & conditions can be found at www.bellway.co.uk. Help to Buy not available in conjunction with Part Exchange.
Off to pastures new?
No two people move for exactly the same reason, no two moves are identical. So as well as using the experience of more than 20 years in agency, we come to every move with fresh ears, listening carefully to what makes you and your plans different. Because it’s only by treating all of our customers as individuals that we get the right result for them. For more information, call us on: Sales: 01268 782 323 Lettings: 01268 772 917 Or visit haart.co.uk
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RAYLEIGH
19 Eastwood Road, Rayleigh, Essex SS6 7JD
to advertise in the next issue of The Local Business Guide call: 01375 402 546