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JULY 2015
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Welcome A very warm welcome to the July 2015 edition of the Rayleigh Local Business Guide. The Summer Holidays are fast approaching and our article on page 4 gives you some ideas for family friendly walks in Essex that are suitable for all ages. We also have our regular ‘What’s on in Rayleigh’ on page 16 where we feature a free family fun day, Wild Play Days at West Canvey Marshes and an outdoor performance of Northanger Abbey at Rayleigh Mount.
Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION BUILDER 21 CARPETS / FLOORING
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In our regular community feature on the Acres Way Kennels, based in Castle Point (pages 10), we feature 2 new dogs who are looking for loving homes.
DRIVEWAY / PATIO CLEANING
Within our Community section this week we have an article about the history of the railway in Rayleigh. We also have our column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (see centre pages).
KITCHENS
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
SHUTTERS 25
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 GARAGE DOORS
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PLUMBING & HEATING
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ROOFING 11 SKIP HIRE
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STOVES 18 TILES 6 WINDOW RESTORATION
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FINANCIAL, LEGAL & PROPERTY SERVICES ESTATE AGENCY
Inside Front, Back Page
FINANCIAL ADVISER
Centre Pages
The Rayleigh Local Business Guide
SOLICITOR 20
Publisher
ADULT EDUCATION
Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk
BURGLAR ALARMS
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CAR SALES
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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
HOUSEHOLD & LIFESTYLE Inside Back
COUNTRY PARK DOMESTIC APPLIANCE SALES & REPAIRS FOSTERING AGENCY LEAFLET DISTRIBUTION
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HOME CARE SERVICE
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NEW AND USED GOODS
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SPORTS & SOCIAL CLUB
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HEALTH & BEAUTY GYM / PERSONAL TRAINING
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OSTEOPATH 21 www.thelocalbusinessguide.co.uk
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Family Walks in Essex The Summer Holidays are fast approaching and a family walk is a great, cheap way to keep the kids busy. Here is our pick of some of the best walks in Essex that are suitable for all ages. 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
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Y YETTONS EXCLUSIVE TILES & BATHROOMS
Yettons is one of Essex’s leading tile and bathroom showrooms, displaying a premium range of Italian porcelain and ceramic wall and floor tiles and the finest German and Italian bathroom suites to create the perfect luxury setting for your home. We can provide a total bathroom solution, working closely with you to ensure your expectations are exceeded in every way. With the advice and guidance of our professional and friendly team, we can make your dream home become a reality.
OPENING TIMES: Monday to Saturday 8am – 5:30pm Sunday 10am – 2pm
Unit 9, Mayphill Industrial Estate, Hawk Hill Battlesbridge, SS11 7RJ
01268 762645
www.yettonstilesandbathrooms.com 6
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ADVERTISEMENT
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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Working for the Community
Can you help Re-Home a Dog from Acres Way Kennels? Adopting a Dog
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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. The kennels are open 10am-3pm 7 days a week and visitors are welcome at any time during these hours - no appointment is necessary.
Acres Way Kennels, Great Burches Road Thundersley, Essex SS7 3NE. Tel: 01268 770402
This month’s featured dogs Mouse - Greyhound
Female / Age 4
Mouse is very gentle and walks well on a lead. She interacts well with other dogs, although she is better suited to a pet free home.
Roxy - Presa Canario Female / Age 7
Roxy is great with older children and needs a quiet loving home free from any other pets. 10
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Call: 01702 526 797 www.brooks-care.co.uk
Are you looking for high quality, flexible and compassionate care in your own home? ~ Assistance with all personal care needs ~ Respite, shopping & light house chores ~ Owned & managed by registered nurses ~ Free assessment Mitch Construction, 60 Shannon Centre, Thames Estuary Industrial Estate, Canvey Island, SS8 OPE
Tel: 07875 245122
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8 YARD SKIP Bin Bags: 60/80 Height: 4ft Length 12.2ft Width: 6ft
6 YARD SKIP Bin Bags: 50/60 Height: 3.7ft Length 10.3ft Width: 6ft
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Money Guidance N
ow that the dust is settling on the much lauded new Pensions Flexibilities, what have our experiences been? The media were whipping up a ‘cash’ frenzy encouraging all to access their pensions and go on a spending spree. We have found that whilst there has been a huge increase in the requests to access smaller pension pots, most can see the wisdom in retaining their pension fund intact , to use it for what it was intended for- living in retirement! It is sad that many cannot see that a significant part of their later lives will be blighted by simply not having enough income, and that in all the ‘noise’ around the new rules the primary purpose of pensions has been forgotten- namely to be able to live comfortably when you stop work. The primary purpose apart, recent experiences highlight just how advantageous pensions are now, and the media are now talking about getting as much money into pension rather than extracting it! Anything to fill a page........ I should remind you why withdrawing all your pension is probably a bad idea- Income Tax. If you haven’t accessed any of your pension yet the first 25% is tax free, the remainder is taxed as income. If your pension provider has not previously paid you any benefits the chances are they will use an emergency tax code and tax 75% of your fund at 40%! Whilst you could reclaim any over payment this will take time and involve tax returns. So beware, if withdrawing you may get less than you expect! Let me assume that you still want the withdrawal and are happy to pay the tax, then you must consider what you are going to do with the money? I have had clients say they want to access it just so they can get at it if they need it? This makes no sense as the new rules permit you to access it any time, so why pay tax now if you can access the fund when needed? In addition whilst the funds are in your pension they may be subject to some investment risk but they should in the current climate have more chance of growth than if removed and left languishing in the bank, and the growth is free of Tax! So unless you are retiring in the truest sense, or need to use the money for a something specific it makes no sense to draw the pension. It should also be remembered that whilst it is retained in a
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pension it is in most circumstances free of Inheritance Tax on your death. Many clients have told me they intend to make a withdrawal and buy other investments. This makes little sense. One person approached me who was going to pay 42% tax on his withdrawal (because of it’s size) so his new investment would have to more than double to get back to where he is already! Much of this is very misguided and is driven by simple misunderstanding of the returns, flexibilities and tax benefits of pensions. It is vital you seek advice before withdrawing your funds. Now consider that if you are still working, in middle age, and you are saving for the rainy day, why would you not put as much as you can into pensions? You can access it if needed after the age of 55, you get tax relief at your marginal rates on contributions up to £40,000 pa if you have enough earnings, and the growth is free from tax, the fund is exempt from IHT and 25 % of the future value can be paid to you tax free! If you have the income to justify it and you are in your 50s why not turn your ISAs into pensions? You would get your ISA value grossed up by your marginal tax rate, even a basic rate tax payer would turn their £10,000 ISA into £12,500 overnight by doing so, and you would still have full access, tax free growth, no IHT and the tax on withdrawal will be less than the relief when withdrawn, so you are making money from the tax man! Again this is an area where a little bit of advice from a qualified experienced professional will reap rewards. At Joseph Lamb we have 45 years experience in helping people manage these issues and we will be only to pleased to help you.
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
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What’s On In Rayleigh Rayleigh Churches Family Fun Day Saturday 18th July 2015 Starts: 11.00am Ends: 4.00pm King George V Playing Field, Bull Lane, Rayleigh, SS6 8JD The Rayleigh Churches Family Fun Day is a free event! Everyone welcome. Free activities include Bouncy Castles, Face Painting, Crafts, Live Bands, Puppet Shows & more! There will also be a BBQ & refreshments on sale. For more details visit www. rayleighbaptist.org.uk
Wild Play Days Thursdays - 30th July, 6th, 13th, 20th, 27th August, 3rd September Starts: 11.00am Ends: 3.00pm West Canvey Marsh, Canvey Island, SS8 0QR Pop along to RSPB West Canvey Marsh this holiday and join in with some wild play. Discover a menu of activities and choose for yourself how wild you want to go. Examples of activities might include butterfly netting, mud cooking and water play. The event will be held whatever the weather! No booking necessary, drop by any time. All children must be accompanied with an adult. Children 3+ £3.50 and under 3 £2.00 donation recommended. For more information visit www.rspb.org.uk or call 01268 498620
Open Air Theatre - Northanger Abbey Sunday 2nd August 2015 Starts: 3.00pm Rayleigh Mount, Southend-on-Sea, SS2 6YF DOT Productions brings you this witty adaptation of ‘Northanger Abbey’ in DOT’s usual comedic style. This is an open-air theatre production, suitable clothing should be worn. Chairs and picnic blankets may be brought along to the performance. Tickets £12 on the door or £11.30 in advance. To book tickets visit www.essex-live.co.uk
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Tel: 01702 340 340 51 Alexandra Street, Southend on Sea, Essex, SS1 1BW www.whitesolicitors.co.uk 20
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See what Tiff has to say
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26708 A5 Tiff mailer.indd 1
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03/03/2015 10:03
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Rayleigh History - The Railway For hundreds of years Rayleigh was a small, mainly agricultural community with a population of about 1200 during most of the 19th century. This all changed on 1st October 1889 with the arrival of the Great Eastern Railway. The site of the railway station was originally part of Castle Hill Farm which extended up to the High Street and included Rayleigh Mount and the site of the Rayleigh Castle and Tower Windmill. The route from Wickford to Southend was initially a single track but the station and most of the bridges had been built to allow for dual tracking. Landowners benefited from the railway – they could sell their land for market gardens or for new housing as shown in the poster below.
By 1893 increased traffic, due to the start of land and property sales in the local area, resulted in part of the track being straightened and the platform extended. The track was finally duelled shortly after Oct 1900. By 1907 annual season ticket sales had reached 100. By 1957 they had increased to 20,000 and by 1963 – 50,538! On 29th October 1917 a German aircraft dropped it’s bombs in the vicinity but only one window and some roof tiles were damaged at the station. The photo above is circa 1930 and shows the station entrance with the staff cottages on the left (now the taxi rank) and the station café (which was demolished by a bus in 1996) on the right. On the site of what is now the car park there were cattle pens, coal yard and a goods yard. The station changed from gas lamps to electric light in 1932, whilst in 1936 increased road traffic resulted in the London Road being widened and the railway bridge above it being extended.
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Tel: 07479 243787 Email: info@kedalimited.co.uk
www.kedalimited.co.uk INDOOR & EXTERIOR SHUTTERS Various practical and window decoration solutions
WINDOWS
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ADULT COMMUNITY LEARNING RAYLEIGH 2015/16
Course Programme
w! o n e l b a l i Ava Subjects include: • • • •
Computers and IT Cake Decorating Creative Arts and Crafts Family Learning
• • • •
GCSE History Languages Supported Learning
Visit: essex.gov.uk/adultlearning Call: 0845 603 7635 Or pop in and see us in the High Street – adjacent to the library
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