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Welcome A very warm welcome to the March 2015 edition of the Rayleigh Local Business Guide. The Essex Book Festival has been 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 Cat Homing Show, Rayleigh Horticultural Society’s Spring Show and a weekly Country Market 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 BATHROOMS / TILING
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BUILDING SURVEYOR
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CARPETS / FLOORING
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DECORATOR 2
We have an article about local charity ‘Harp’ that provides valuable services to the homeless in the Southend and Rayleigh area (page 26) and our regular column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (see centre pages).
DRIVEWAY CLEANING / SEALING
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
PLUMBING & HEATING
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 £50 it is a really cost effective way of promoting and generating business from your local community.
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ELECTRICIAN 21 HANDYMAN 6 KITCHENS
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ROOFING 2 SKIP HIRE
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STOVES 20 WINDOW RESTORATION
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FINANCIAL, LEGAL & PROPERTY SERVICES ESTATE AGENCY
Back Page
The Rayleigh Local Business Guide
FINANCIAL ADVISER
Publisher
HOUSEHOLD & LIFESTYLE
Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk
BUSINESS CARD DIRECTORY
28
CAR 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. 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
SOLICITORS
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ART SHOP
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SLIMMING CLUB
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Essex Book Festival This year’s Essex Book Festival in March has some great opportunities to meet local authors. 23rd March at Canvey Library, 2 High St, Canvey Island - 7.00pm: The bestselling Sanctus series, which has been translated into 27 languages and published in 40 countries, set Simon Toyne firmly on the map as one to watch for high-concept, page-turning thrillers. Simon will be at Canvey Library discussing the first book in his electrifying new series, Solomon Creed. 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. 27th March at Belfairs Woodland Centre, Eastwood Road North, Leigh On Sea 7.00pm - 9.00pm: Melissa Harrison and Katharine Norbury discuss nature writing, walking and our changing relationship with the landscape that surrounds us. Melissa Harrison is a novelist and critically-acclaimed author of ‘Clay’ and ‘At Hawthorn Time’. Katharine Norbury is a film-maker and the author of travelogue and memoir ‘The Fish Ladder’.
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
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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
10
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.
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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.
www.thelocalbusinessguide.co.uk
15
What’s On In Rayleigh Cat Homing Show Saturday 21st March 2015 Starts: 1.30pm Ends: 4.00pm Rayleigh Methodist Hall, Rayleigh, SS6 7JP There will be many cats of all ages and colours looking for new safe forever homes for various reasons. All cats have been vaccinated and microchipped and neutered / spayed if old enough. There will also be a Cats Protection stall selling almost all you need for your cat. Adoption fee and home checks apply. For more details visit www.catsrayleigh.org.uk or call 01268 750831.
Spring show Sunday 5th April 2015 Starts: 2.00pm Ends: 4.30pm Mill Arts & Events Centre, Bellingham Lane, Rayleigh SS6 7ED Rayleigh Horticultural Society presents it’s Spring Show with magnificent displays of flowers, vegetables, domestic and handicraft sections. Items from the Society Trading Store will also be on sale. Admission is £1 for adults and accompanied children are admitted free. There is free parking adjacent to the hall. For more details visit rayleighhorticulturalsociety.com.
Rayleigh Country Market Every Wednesday Starts: 8.30am Ends: 11.30am Rayleigh WI Hall, Bellingham Lane, Rayleigh, SS6 6EE Homemade cakes, pastries, savoury, preserves, seasonal veg, handmade crafts. Tea, coffee and cake also available. For more information call Kath Salmon on 01702 522098.
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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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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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Local Charity - Harp H
ARP is an independent Southend based charity that reduces homelessness by providing essential services, emergency housing and long term solutions. This enables people to rebuild their lives and live independently in the community. HARP exists because they received 12,000 visits across their services in 2013 from people who needed assistance with homeless issues. 22% of this number were young people aged between 16 and 25. 25% were female. HARP helped all of them. Many needed to find a safe place for the night to avoid sleeping rough on the streets. HARP currently has the capacity to house up to 100 people at any one time - this is either in the emergency night shelter, one of their three hostels, a bedsit or flat. The Bradbury Centre is the first point of contact for anyone who finds themselves homeless or at risk of being homeless in Southend. Staff at The Bradbury
26
Centre offer advice and support, provide a hot meal and help find emergency accommodation HARP’s volunteers are crucial to keeping the charity afloat. They have approximately 60 volunteers across their sites including their charity retail shops in London Road and Hamlet Court Road (both in Westcliff), and their kitchens. All food donated to HARP is used in food parcels, night packs and for meals at The Bradbury Centre and their other specialist hostels. If you would like to become a volunteer contact Tony Dunn by email at tony.dunn@harpsouthend.org.uk If you are homeless or at risk of becoming homeless please call 01702 430696. For general enquiries including fundraising please call 01702 615000. For more information on the services provided please visit www.harpsouthend.org
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
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