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Welcome A very warm welcome to the November 2017 edition of the Rayleigh Local Business Guide. With the arrival of Autumn we still all have the opportunity to get outdoors in the fresh air. Our feature on Family Friendly Walks on page 10 will give you two great ideas of where you can go with the whole family – choose between Castle Hedingham or Belfairs Park and Nature Reserve. We are always keen to promote local events where local people get involved. Within our regular ‘What’s on in Rayleigh’ section (page 16) we are happy to promote the Rayleigh Operatic and Dramatic Society’s Annual Family Pantomime ‘Sleeping Beauty’ which runs from Thursday 30th November to Saturday 2nd December 2017 at the Mill Arts and Events Centre in Rayleigh. ‘Princess Snowdrop is about to celebrate her 18th Birthday and the King & Queen of Hearts are throwing a tea party for the whole kingdom. Prince Rupert is on his way and with the help of fairies Tulip, Blossom & Rose Petal, his loyal servant Maurice & faithful hound Baskerville a magical ending for our Princess should be in sight. But the return of evil Poison Ivy, a reminder of the wicked spell she cast on the Princess many years ago & a chance meeting with a spinning wheel leads to seeming disaster. Will Dame Marigold & son Andy, with their comedy capers, be able to help prevent Poison Ivy spoiling the party?’ To find out if Princess Snowdrop has a happy ever after ending come along and join RODS as they bring this fairy-tale show to the heart of Rayleigh, it’s a dream of a pantomime! Our financial expert Martin Lamb from Joseph R Lamb Financial Advisers also provides his regular contribution (centre pages). If you want to feature any local charities or community based scheme, local sports clubs or other local activities in our Castle Point or Rayleigh guides then please get in touch at: info@thelocalbusinessguide.co.uk If you are a local business and would like to advertise in the Guide, then please contact our salesperson Ricky on 01375 402546 who will give you a no obligation quote. It really is a cost effective way of promoting your business and generating business from your local community.
The Rayleigh Local Business Guide Publisher Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk
Sales - Ricky Edwards 01375 402546
Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION BATHROOMS 11 CARPETS / FURNITURE 13 CURTAINS / BLINDS 21 KITCHENS 3, 12, 18 LANDSCAPING / FENCING / LAWNS 4 MARBLE 12 PLUMBING & HEATING 25 ROOFING 4, 9, 21 SKIP HIRE 27 WINDOWS 19 WINDOW RESTORATION Front Banner, 5
FINANCIAL, LEGAL & PROPERTY SERVICES ACCOUNTANT FINANCIAL ADVISOR SOLICITOR
8 Centre Pages 24, 28
HOUSEHOLD & LIFESTYLE BOXING EVENT / PROMOTION 17 BUSINESS CARD DIRECTORY 24 BUTCHER 7, 16 CAR REPAIRS / SALES 26 CHAUFFEUR 8 COMPUTERS / REPAIRS 22 COUNTRY PARK / LEISURE RESORT 20 CRAFT STUDIO 10 DOG SITTING 26 DOMESTIC APPLIANCE SALES & REPAIRS 23 FLORIST 26 GOLF CLUB / ENTERTAINMENT VENUE Inside Back HOTEL 2 KEY CUTTING / LOCKSMITH 11 PET STORE Back Page PICTURE FRAMING 7 TAXI CABS Inside Front VOCATIONAL ACADEMY 6
HEALTH & BEAUTY STAIRLIFTS
26
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 2017
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advertorial
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butchers
& farm shop
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Find us at: Lubbards Farm, Hullbridge Road, Rayleigh, Essex SS6 9QW
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Phoenix Fr ames We are a family run business with over 30 years experience close to the Rayleigh Weir, giving excellent advice, choice and service. Telephone 01268 775778 e-mail info@phoenixframes.co.uk
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facilities including a sensory trail, endless play equipment, with views across open farmland and a link to over 15 cycle hire centre, fishing, a visitor centre and bistro. A miles of walking and cycling paths. The site offers many great day out for the whole family. For more details visit facilities including a sensory trail, endless play equipment, www.visitparks.co.uk/places/great-notley-country-park cycle hire centre, fishing, a visitor centre and bistro. A great day out for the whole family. For more details visit Thorndon Country Park North in Brentwood is a www.visitparks.co.uk/places/great-notley-country-park beautiful woodland area filled with bluebells and other spring flowers at this time of year. Children of all ages will Thorndon Country Park North in Brentwood is a enjoy an adventurous walk through the deep dark woods beautiful woodland area filled with bluebells and other to hunt for the Gruffalo along with all the other characters spring flowers at this time of year. Children of all ages will from the classic tale from Julia Donaldson. If you call into enjoy an adventurous walk through the deep dark woods the visitor centre you can pick up an activity map for 50p to hunt for the Gruffalo along with all the other characters For full details visit www.brentwood.gov.uk from the classic tale from Julia Donaldson. If you call into the visitor centre you can pick up an activity map for 50p Finally Autumn has arrived but this shouldn’t stop us from still getting outside. For full details visit www.brentwood.gov.uk of Castle Hedingham not only can you Here are 2 of the best walks in Essex that are suitable forIn the all village the family. explore the magnificent castle but you can walk round the beautiful andyou bluebell-filled grounds. The 900 In the village of Castle Hedingham notdaffodil only can explore the In the village of Castle Hedingham not only can you yearwalk old Norman keep of Hedingham Castleand stands in magnificent castle butcastle you can the beautiful daffodil explore the magnificent but you canround walk round 160 acres of landscaped gardens and woodland. There bluebell-filled grounds. The 900 year old Norman keep of Hedingham the beautiful daffodil and bluebell-filled grounds. The 900 are lots of events that take place here, from jousting year old Norman Hedingham Castle stands in Castle stands in keep 160 of acres oftournaments landscaped gardens andForwoodland. There to wedding fairs. more details visit www. acres of landscaped gardens andhere, woodland. are160 lots of events that take place fromThere jousting tournaments to hedinghamcastle.co.uk are lots of events that take place here, from jousting wedding fairs. For more details visit www.hedinghamcastle.co.uk tournaments to wedding fairs. For more details visit www. Belfairs Park hedinghamcastle.co.uk and Nature Reserve in Leigh-onSea is a great family day out with ancient trees, birdwatching and butterflies.The Belfair’s Woodland Belfairs Park and Nature Belfairs Park and Nature Reserve inReserve Leigh-on- in Leigh-on-Sea is a great Centre is open daily from 9am until 5pm and Sea isfamily a greatday family outancient with ancient trees, outday with trees, and and butterflies. provides a spacebirdwatching for schools, groups families birdwatching andisbutterflies.The Belfair’s Woodland5pm and provides a space Centre open daily from to9am learn until about south Essex’s fantastic ancient Centre is open daily from 9am until 5pm and in an interactive way. for schools, groups and families to woodlands learn about south Essex’s provides a space for schools, groups and families For more fantastic woodlands an interactive way.information For morevisit to learn aboutancient south Essex’s fantasticinancient www.essexwt.org.uk/reserves/belfairs information visit www.essexwt.org.uk/reserves/belfairs woodlands in an interactive way. For more information visit www.essexwt.org.uk/reserves/belfairs
Family Walks In Essex
The Clay Cottage A contemporary, family run art & ceramics studio, catering for all ages. Come and create your own masterpiece or commission a unique design
01268 786162 info@claycottage.co.uk www.claycottage.co.uk Lubbards Farm, Hullbridge Road, Rayleigh, Southend-On-Sea SS6 9QG
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Family Bathroom/ Ensuite/ Walk in shower room for only £4995.00 Designed / Supplied / Installed Fully installed
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Money Guidance
A False Sense of Security……? As it is now ten years on since the collapse of Northern Rock and the visible start of the Global Financial Crisis it seems appropriate to step back and remember a few basic principles of investing that many appear to have forgotten, and that could have painful consequences. Historically it has always been prudent to spread your investments and pension funds over a range of asset classes to help spread risk. The idea being that different asset classes such as Residential Property, Commercial Property, Equities, Commodities, Cash and Fixed interest securities such as Government Gilts and Corporate Bonds, will all behave differently at defined points in economic and market cycles, and that by spreading your risk you will not expose yourself to excessive losses if one or more asset classes has a significant or sudden drop in value. This ‘diversification’ has served people well for generations, but was really tested in 2007/2008 when there was such a fear of meltdown following the major bank failures and many had borrowed against the value of their investments to buy yet more investments, that all asset classes were put under severe selling pressure that dragged them all down at the same time. Whilst the global financial system is not truly fixed following the crisis, it is certainly in a better place now, helped significantly by Government printing money (Quantitative Easing) to inject cash into the financial system and real economy. But, whilst QE has undoubtedly in our view, saved the world from total meltdown, it has created a completely unnatural and previously unseen environment, and this may well cause more surprises further down the line. One of the intended consequences of printing money is to create more cash in the economy, and by buying back their own debt and re issuing it at lower interest rates, Central Banks will have structurally lowered interest rates to the lowest they have ever been, and will remain low by historical standards for years to come. It is this that has created the significant price inflation we have seen in Property, Equities, Government and Corporate Bonds, and outside of the conventional investment world, mad increases in Classic Car values, Antique Watches, Art etc as investors have seen no or negative real returns for their cash in the bank and have put their money elsewhere. So prices of most assets types have reached all-time highs, and the income or yield that they deliver has been 14
dragged down as a consequence, which in turn has led investors to buy anything with a yield that is above cash interest rates, which in turn pushes their prices up even higher. Some ‘High Income’ stocks and for example are now anything but and have prices that cannot justify any further increases. Whilst it took the European Central Bank 6 years to persuade Germany to undergo any significant Quantitative Easing, and their programme is still on going as they play catch up, the QE process has slowed in the USA and the UK, (albeit with a relaxation following Brexit when we reduced interest rates by a further 0.25% and the Bank of England started buying corporate bonds). It is likely therefore that as the major central banks begin to withdraw or slow down their QE programmes interest rates will rise slowly and the mad price inflation in many assets will surely slow, or even reverse. Although the collapse of the pound following Brexit and a surprising level of euphoria over Trump’s election led to a Stock market rally this appears to be fizzling out now, and there is plenty of evidence showing that the growth in property prices, especially residential has slowed, and in some areas prices have begun to fall. If QE is withdrawn too quickly, and it is going to be a very difficult balancing act for central banks, we could see a rapid loss of investor confidence, which if has happened in the UK, coincides with significant political or policy changes, (Brexit and investment property tax rises) will lead to falling asset prices. So, as easy as it is to look back at the ten years since the crisis and feel that asset price inflation has helped our recovery, we need to be more aware than ever that asset values cannot go up for ever, and it is more important than ever to hold a diversified investment portfolio. We have certainly seen too many people holding too much in Property and High Income Equities, which could prove fragile over the coming year or two. If you have any concerns over your current investments we would be happy to help you review them for you.
Martin Lamb, Dip.PFS Certs CII (MP & ER)
This article does not constitute advice and readers should seek an assessment of their needs and requirements before making any decisions based on the content of this article. The value of investments can go down as well as up and past performance is not a guide to future returns.
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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What’s On In Rayleigh
Rayleigh Operatic & Dramatic Society - Annual Family Pantomime: ‘Sleeping Beauty’ Thursday 30th November 2017 – Saturday 2nd December 2017 Starts: Thursday & Friday 7.30pm, Saturday 1.00pm and 6.30pm Location: The Mill Arts and Events Centre, Rayleigh SS6 7ED Local Rayleigh Operatic and Dramatic Society (RODS) present the family pantomime ‘Sleeping Beauty’ at the Mill Arts and Events Centre in Rayleigh. To find out if Princess Snowdrop has a happy ever after ending come along and join RODS as we bring this fairy-tale show to the heart of Rayleigh, it’s a dream of a pantomime! Tickets are available at £10 from 01268 771751 or 07580 532068. For more information visit: www.rods.org.uk
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Gibson’s Finest Meats Ltd 238 London Road Unit 11 Alpha Garden Centre Wickford, Essex, SS12 0JX
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Ian’s
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LEADING FIRM
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Palmers Business Guide Nov.indd 1
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06/11/2017 10:38
3 Courses £18.50 Monday the 4th, 11th and 18th of December TO START Roasted celeriac, apple and stilton soup (v) Peppered smoked mackerel fillet
Lemon dill crème fraiche, toasted croute & beetroot salsa
Chicken & duck Liver Parfait
Toasted croutes & red onion marmalade
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Pan Fried Fillet Of Scottish Salmon
With crushed new potatoes, champagne & dill cream
Baked Root Winter Vegetable Wellington (v)
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Winter berry cheesecake With chantilly cream
Winter Fruit Salad
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For all your equestrian requirements and more! • Friendly knowledgeable staff • • Ample parking • Help loading if required• Lubards Lodge Farm, Hullbridge Road, Rayleigh, Essex, SS6 9QG 01268 642601 • gladwells.rayleigh@copdockmill.co.uk Monday - Saturday: 8.30am - 5.30pm www.copdockmill.co.uk