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OCTOBER 2015
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ADULT COMMUNITY LEARNING RAYLEIGH 2015/16
Course Programme
! w o n e l b Availa 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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to advertise in the next issue of The Local Business Guide call: 01375 402 546
Welcome A very warm welcome to the October 2015 edition of the Rayleigh Local Business Guide. Winter is closing in on us which means we are now looking forward to Halloween, Guy Fawkes Nights and yes - Christmas! Our article on page 4 has some great ideas of fun and spooky Halloween events in the local area. We also have our regular ‘What’s on in Rayleigh’ on page 16 where we feature a shopping and fashion show, the new Saturday market in Rayleigh and a Halloween party for all ages.
Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION CARPETS / FLOORING
5, 17
ELECTRICIAN
19
GUTTER CLEANING
25
In our regular community feature on the Acres Way Kennels, based in Castle Point (pages 10-11), we are pleased that Tonka the French Bulldog/Staff cross that we featured in our last issue has been successfully re-homed. This month we feature 3 new dogs who are looking for loving homes.
KITCHENS
Within our Community section this week we have an article about the local services provided by the Alzeimer’s Society (page 24). We also have our column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (see centre pages).
FINANCIAL, LEGAL & PROPERTY SERVICES
3, 21
PLUMBING & HEATING
27
SKIP HIRE
12
WINDOW RESTORATION
ESTATE AGENCY
7
Back Page
FINANCIAL ADVISOR
Centre Pages
MORTGAGE ADVICE
6
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
WILL WRITING
8
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.
BURGLAR ALARMS
The Rayleigh Local Business Guide
CURTAINS AND BLINDS
13
DOMESTIC APPLIANCE SALES & REPAIRS
23
Publisher
JEWELLERY
13
LEAFLET DISTRIBUTION
25
Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk
Sales - Ricky Edwards 01375 402546
HOUSEHOLD & LIFESTYLE ADULT EDUCATION
Inside Front 25
BUSINESS CARD DIRECTORY CAR REPAIRS / SALES
28 19, Inside Back
CARAVAN / HOME OWNERSHIP
PET STORE SPORTS & SOCIAL CLUB
9
2 20
HEALTH & BEAUTY HOME CARE SERVICE
8
OSTEOPATH
19
STAIRLIFTS
19
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
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• Knowledgeable staff • Ample parking • Help loading if required Opening hours; Mon - Sat: 8:30am - 5:30pm Lubards Lodge Farm, Hullbridge Road, Rayleigh, Lubards Lodge Farm, Hullbridge Road, Essex, SS6 9QG Essex, SS6 9QG • 01268 642601 Rayleigh, 01268 642601 Opening hours; Monday - Saturday: 8:30am - 5:30pm
Knowledgeable staff • Ample parking • Help loading if required gladwells.rayleigh@copdockmill.co.uk • www.copdockmill.co.uk gladwells.rayleigh@copdockmill.co.uk www.copdockmill.co.uk
2
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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Spooky Halloween Events In Essex Winter is closing in on us which means we are now looking forward to Halloween, Guy Fawkes Nights and yes Christmas! Here’s some ideas of fun and spooky Halloween events. Barleylands Farm Park in Billericay is giving every child a free pumpkin in their “Pumpkinfest” between Monday 26th and Friday 30th October. There will also be lots of spooky activities including pumpkin carving, biscuit decorating and a pumpkin trail. For more details, opening times and prices visit www.barleylands.co.uk
Southend Pier Zombie Walk on Sunday 25th October is suitable for adults and children. Meet at the end of Southend Pier, in the Royal Pavilion, you may walk or take the train. Once there, there will be a competition to judge the best dressed Zombie, Children and adults will be judged individually. Then all the Zombies will walk, stagger or drag their legs to the Park Inn Palace where a horror movie will be shown that is suitable for adults and children, this also is free. For more information visit www.southend.gov.co.uk On Saturday 31st October, Hylands House and Gardens are holding two eerie events - a mini monsters adventure in the misty outdoors and a grown-ups gathering firmly behind locked doors. The Hallows Day event is between 4pm and 7.30pm and includes an array of themed entertainment for children. (Price £10) The evening event starts at 8pm and is for over 16s only. (price £13) For more information visit www.chelmsford.gov.uk Epping Ongar Railway will be running their popular Ghost Trains on Friday 30th and Saturday 31st October. They guarantee that this year, their trains will be scarier than ever! The trains will be decorated in true Halloween style and there will be treats for all the children, a fancy dress competition and great entertainment on board. Be prepared to be scared on this unique full-size Ghost Train. Advanced booking is essential. For more details and train timetable visit www.eorailway.co.uk 4
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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5
£50
Recommen a friend an d d we will reward yo with £50* ju u st to say than k you.
Want to save money? Fixed rate ending? Want a better rate? Looking at moving home? Want a local company you can trust?
First4Mortgages can help you! We will search the whole of the mortgage market to find you the best deals. Now is the time to use our expertise and knowledge to help you in the following areas: • • • • •
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A professional fee for arranging your mortgage is charged. A typical fee is £295. *Qualifying products include all types of mortgages and insurance excluding buildings and contents policies. Referral fee paid to you on completion of the case.
6
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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!
STEAMED UP DOUBLE GLAZING? Don’t replace the Frames... just the Panes!
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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9
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 Tonka the French Bulldog/Staff cross that we featured in our last issue has been successfully re-homed. Unfortunately Boycie the Staff and Harry the Chihuahua are still yet to find loving homes.
Tonka - 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 Little Mo - Terrier
Female / Age 6
Little Mo is a great character! She has plenty of life and loves her walks. She is good with most other dogs but she likes to them to know she’s in charge!
How to contact them Abbie - Staff
Acres Way Kennels, Great Burches Road Thundersley, Essex SS7 3NE
q
Female / Age 18 months Abbie is young, lively and will need some training but she is quick to learn. Needs a home with older children and someone willing to put the training in.
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
Hank - Spaniel Male / Age 8
Hank came to the kennels as a stray. He was malnourished with extremely matted fur. He is great with other dogs and children and is looking for a loving home in his senior years. www.thelocalbusinessguide.co.uk
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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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ALL PRICES INCLUDE DELIVERY & COLLECTION
CALL US NOW ON : 07582 046380 CALL US NOW ON : 07582 046380 12
to advertise in the next issue of The Local Business Guide call: 01375 402 546
Curtains І Tracks and Poles І Roman Blinds І Roller Blinds Venetian Blinds І Wooden Blinds І Vertical Blinds Pattern books also available
FREE QUOTE - Call today on Wickford: 01268 410516 Mobile: 07743 562384 ian.dipple@yahoo.com І www.ianscurtainsandblinds.co.uk
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Money Guidance I
f you do own your own Limited Company and have been paying yourself through dividends the chances are that you are going to be much worse off once next year’s Dividend Tax changes come into effect. At the moment you will pay Corporation Tax on your profits, currently at 20% of your profit. Any profit left after the Corporation tax charge can be paid as a dividend and as you own all or part of the company this tax charge is currently treated as if it is paying your basic rate tax on the dividend, so if your dividend, added to any salary( plus a nominal grossing up of 10%) falls under the Higher Rate tax threshold there is no extra personal tax to pay. If your total gross dividend and exceeds the Higher rate there is a 22.5% tax charge due personally, and if your earnings exceed £150,000 then 27.5 % is due. This is very effective and is a true dividend due to business owners to help offset the stresses and strains of running a business. Unfortunately this is about to change. With effect from April 6th 2016 there is effectively no credit for the Corporation Tax paid, instead only the first £5,000 of dividends are treated specially and are tax free. Any dividend over this up to the Higher rate is now taxed at 7.5%, and over the Higher rate at 32.5% and additional rate at 38.1%! This will result in much higher personal tax bills for the majority of business owners and action is needed to now minimise its impact for next year. You should of course discuss this with your accountant as soon as possible as leaving it until April will simply be too late. What can you do about it? Well first of all you should consider drawing more dividends now if the business has the cash to support the payment. We have seen that many well run firms have actually been building cash following the crisis of 2008, but that it is languishing in a bank account earning next to nothing and once accumulated business owners are fearful of drawing due to the personal tax charge. This is going to go up significantly so it may well be worth drawing it now! An alternative would be to fund pensions for shareholding employees. The new pension flexibilities mean that if you are over 55 you can fund your pension from the business and still access the pension if you needed the money. If you are under 55 you need to be sure that you will not need it until you are 55, but in both cases the tax benefits are significant. A Company can pay up to £40,000 per 14
person in pension contributions in the current year plus the balance of any used allowance from the previous three tax years. The pension contribution is deducted from your profit when you file your accounts so will not attract any corporation tax. It will attract no National Insurance charge and no personal tax charge. It is the only legitimate way of drawing money from your business without incurring any tax on the payment and if over 55 and you needed the money the tax saving means you will be better off if you paid yourself ‘through’ the pension than if you took a dividend! Any investment returns from the pension are tax free in the majority of cases, you can access all or part of the fund from 55, 25% of the fund is tax free and if held to retirement you will almost certainly be a lower rate tax payer when you draw the taxable part of the fund than when you were contributing. The pension fund can also be passed on without any capital tax on death and there is no need to ever buy an annuity, you can hold the fund until you die and pass it on very tax efficiently. Under these new rules Pensions are not really pensions at all any more, they are simply very tax efficient investments accounts that can only be accessed after 55. 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! BUT! You must act now as the Chancellor has seen that many would use pensions to avoid the higher Divided tax and from next April the ability to fund pensions from your own business will be severely limited. Here at Joseph Lamb we will be only too happy to work with you and your accountant to effect a plan to beat the taxman before April. Call us or email us now to arrange a free initial consultation. 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
Own your own Company? You need to read this! At Joseph Lamb we have more than 45 years experience providing honest, effective investment and pension advice. 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
Investing For Growth + Income Drawing + Building Pensions Equity Release Financial Protection Redundancy Counselling Business Protection
More than 45 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 Shopping & Fashion Show Friday 23rd October 2015 Starts: 7.00pm Ends: 10.00pm Mill Hall Bellingham Lane, Rayleigh, SS6 7ED A shopping event and fashion show showcasing Store 21 clothes and some local Charity Shops, Craft Gifts and Charity Stalls. Tickets on sale now Adults £7.00. Under 18s £4.00 or on the door (subject to availability) There will be a raffle on the night. To book Tickets phone Tracey 01268 770350 or 07880 858872
Saturday Market Saturdays 31st October, 7th & 28th November and 5th & 12th December 2015 Starts: 8.00am Ends: 5.00pm High Street, Rayleigh Rayleigh Town Councils presents a new Saturday market. Stall holders will sell a wide range of good quality products including: Men’s and ladies clothing and shoes, jewellery, flowers and plants, garden ornaments, speciality breads and cakes, pet food coffee, sausages, bacon, sweets, gifts, household goods, cup cakes and much more.
Halloween Party for Essex Saturday 31st October 2015 Starts: 3.00pm Ends: 8.00pm Garon Park Cricket Ground, Southend-on-Sea, SS2 4FA
Halloween Party for Essex is set to be the BIGGEST Halloween party Southend has ever seen. The family-friendly Halloween party will have acts that all ages can enjoy, from magic to music! In the Kids Zone for under 7s, there will be Mr Bloom from Cbeebies and a variety of children’s entertainers such as Tidimix and Jimbo! As well as a range of different inflatable slides, rides and bouncy castles for the kids to enjoy. There will also be all sorts of activities (including face painting), stalls and food traders on site (as well as licensed bars). Finally the night will end with a classic Disney-style fireworks display. Tickets are available online at www.halloweenpartyforessex.co.uk or call 07968 779950.
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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
www.youngs-flooring.com www.youngs-flooring.com
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Wordsearch Autumn G N A Y A H F C H U L F c T W R E A Y E I o E O O S R F U R n e R S D V A N E k C C T R E W I W e R E S S S K F O R A R E N T E O R s R A V R E S R K r B C A O T G M S e I S E C S N E E W O L L A H B S B O N F I R E G D N I K P M U P • ACORNS • BONFIRE • CONKERS • FIREWORKS 18
• • • •
FROST GUY FAWKES HALLOWEEN HARVEST
to advertise in the next issue of The Local Business Guide call: 01375 402 546
• • • •
HAY LEAVES PUMPKIN SCARECROW
www.drbump.co.uk
Your local stairlift specialist New straight stairlifts supplied & fitted with two year parts and labour warranty
from
£1395 • • • • •
Curved stairlifts Rental lifts from £10 weekly Reconditioned lifts All makes repaired & serviced Free estimates
For friendly, personal service phone:
01268 550173 01206 231568 www.essexstairlifts.co.uk
Mead Electrical Services All electrical work undertaken at affordable rates. Contact us today for a free, no obligation quote.
*Full and Part Rewires *Fuse board upgrades *Lighting design and installations *Extra sockets and light points *Garden Lighting *Landlord certiÞcates *Out building supplies
Part P Registered contractors and Fully insured. T: 0800 488 0128
M: 07595 918 579
www.MEADELECTRICALSERVICES.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
KITCHEN ART 2 ‘Your ideas brought to life’
Bespoke Kitchens, Bedrooms & Bathrooms Visit us with your complete kitchen quotation and we will guarantee to beat it! Including B&Q, Homebase and Wicks. Call us today to arrange your free design service and quotation 01268 762092 sales@kitchenart2.co.uk
Visit
www.kitchenart2.co.uk
334 Southend Road, Shotgate, Wickford, Essex SS11 8QS www.thelocalbusinessguide.co.uk
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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.
1 2 2 9 6 3 2 4 5 3 1 9 8 7 8 6 3 5 4 9 6 2 9 6 4 8 3 7 6 1 7
(c) Daily Sudoku Ltd 2015. All rights reserved.
3
9 2 1 7 1 3 7 2 6 9 8 4 7 1 8 6 9 5 5 7 9 7 8 1 6 8 2 5
Daily Sudoku: Mon 14-Sep-2015
Daily Sudoku: Tue 8-Sep-2015
Hard
Evil 8
Daily Sudoku: Sun 13-Sep-2015
22
7
8 9 5
4 9
(c) Daily Sudoku Ltd 2015. All rights reserved.
2 7 5 7 4 2 6 9 2 8 6 5 1 9 9 4 8 1 3 8 9 3 6 2 5
5 6
2 3 7 3 1 6
(c) Daily Sudoku Ltd 2015. All rights reserved.
Medium
7
5
6 4
1 8 2 3 3
1
4 5 6
5 7 9
(c) Daily Sudoku Ltd 2015. All rights reserved.
Easy
Daily Sudoku: Sat 12-Sep-2015
http://www.dailysudoku.com/ to advertise in the next issue of The Local Business Guide call: 01375 402 546
http://www.dailysudoku.com/
DUE TO EXPANSION WE HAVE NOW MOVED PREMISES 2 DOORS ALONG TO 84 THE CHASE.
SAME GREAT SERVICE WITH THE SAME GREAT PRICES. www.thelocalbusinessguide.co.uk
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Rayleigh Community Alzheimer’s Society
I
f you or someone you know are worried about or affected by dementia, the Alzheimer’s Society is avaiable to help you. They have information to help you understand dementia and what to expect, and practical advice and support to help you to live as well as possible with the condition. Below are just some of the opportunties for help and support in the local area. Dementia Cafe The Dementia Cafe provides information about living with dementia and other services available locally in an informal and comfortable environment. A Dementia Cafe is also a place to relax, socialise and meet other people with dementia and their carers. This service is available for anyone affected by dementia including people with dementia, relatives, carers, professionals and members of the general public. The Dementia Cafe is available Monday to Friday 9.00am until 5.00pm at the W.I. Hall, Bellingham Lane, Rayleigh SS6 7ED. For more details call 01268 415914.
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Carers Peer Support Group The peer support group gives people the opportunity to meet with others who understand some of what they are going through. Run by a facilitator, the sessions offer a chance to ask questions, get information and share experiences in a safe and supportive environment. This service is for carers of people with dementia only and you will need to be referred. For more information call 01268 415914 (Monday to Friday 9am - 5pm). Luncheon club The luncheon club provides an opportunity to meet old friends and to make new ones, whilst having fun over a meal. It is based at the Salvation Army Day Centre, Glendale Gardens, Leigh-on-Sea SS9 2AR. The food is prepared on site by a cook and kitchen assistant of the Salvation Army. For dates, times and more details call 01702 478092.
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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Rayleigh Castle Point Southend Westcliff Call Ricky 01375 402546 bringing local businesses to local people
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For A Free Quotation Call 01268 696404 / 07792 673794 www.newlookoutdoorcleaning.co.uk
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DISTRIBUTORS REQUIRED Earn extra cash delivering this magazine in your local area
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Directory BRINGING LOCAL BUSINESSES TO LOCAL PEOPLE
Finding a local business online has never been easier!
www.businesscard-directory.co.uk FRee
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APRIL 2013
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TO ADVERTISE IN ANY OF OUR LOCAL BUSINESS GUIDES
Rayleigh
Castle Point
Southend & Westcliff DelivereD
Call Ricky: 01375 402546 Mobile: 07969 211229
DelivereD
X , ESSE HFORD
U SS4 1B
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www.busi
393 02 544
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
There’s never been a better time to find your perfect quality used car! www.toomeybasildon.co.uk
Toomey, Essex’s largest car retailer. www.toomeybasildon.co.uk | 01268 407588 Service House, West Mayne, Basildon, Essex SS15 6RW Also at: 59 Brook Street, Brentwood CM14 5NB Tel: 01277 263333
30
to advertise in the next issue of The Local Business Guide call: 01375 402 546