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Rayleigh BRINGING LOCAL BUSINESSES TO LOCAL PEOPLE

FEBRUARY 2018

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Welcome A warm welcome to the February 2018 edition of the Rayleigh Local Business Guide. In our regular ‘What’s On in Rayleigh’ section on page 16 we feature the regular Rayleigh Toy and Model Train Collectors Show, a local Toddler Group and a local Rayleigh Philatelic Society Meeting. In our regular Acres Way feature (pages 10 and 11), we are pleased to report that Jerry the Labrador / Husky cross that we featured last time has been successfully been re-homed. Unfortunately Hattie the Terrier and Max the Lurcher are still with Acres Way. These 2 dogs can be quite challenging and so we are featuring them both once again in the hope that we can find them suitable loving homes. We also feature another deserving dog this month, Macey, who is looking for a new loving home. Within our Community section this month we feature an article on the Rayleigh, Rochford and District Association for Voluntary Service, an umbrella organisation representing the interests of all voluntary and charitable groups in the Rochford District (page 21). We also feature Rayleigh Brass (page 9), a local band that have been performing in concert and at charity events for almost 100 years and an article on where you can get married in Essex (page 6). We also have our regular column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (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.

Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION BATHROOMS 22 BLINDS

7

KITCHENS

3, 8

LANDSCAPING / FENCING / LAWNS

4

PLASTERER

20

PLUMBING & HEATING

25

ROOFING

4

SKIP HIRE

27

WINDOWS

13

WINDOW RESTORATION

Front Banner, 5

FINANCIAL, LEGAL & PROPERTY SERVICES ACCOUNTANT

8

ESTATE AGENT FINANCIAL ADVISOR

Back Page Centre Pages

PROPERTY / LAND BUYER

19

SOLICITOR 2

HOUSEHOLD & LIFESTYLE BUSINESS CARD DIRECTORY

26

CAR REPAIRS / SALES

20

CLEANING SERVICES

22

COMPUTERS / REPAIRS

17

The Rayleigh Local Business Guide

DOMESTIC APPLIANCE SALES & REPAIRS

23

Publisher

GOLF CLUB / ENTERTAINMENT VENUE

Inside Back

HOTEL

Inside Front

Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk

LEAFLET DELIVERY

24

REMOVALS

22

Sales - Ricky Edwards 01375 402546

TAXI CABS

12

FLORIST

20

HEALTH & BEAUTY STAIRLIFTS

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 2018

www.thelocalbusinessguide.co.uk

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Palmers Business Guide Feb.indd 1

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www.thelocalbusinessguide.co.uk

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advertorial

Has Your Double Glazing Steamed Up? Established for over a decade Cloudy2Clear windows have become a leading company for glass replacement. Issues with double glazing can often be gradual and may only be noticed during a clear sunny day or during the winter. A failed glass unit may no longer provide you with the protection you need or be energy efficient. Why not spend a few minutes checking your home to see if you have any failed double glazing? If you act now you can avoid these problems. Now, you may think you need to replace

the whole window including the frames and all the hardware, however Cloudy2Clear have come up with a simple and cost saving solution‌ Just replace the glass!! If you see condensation in your windows just visit our website or give us a call on 0800 61 21 118. We will send out our highly experienced engineers for a free no obligation quote. A Cloudy2Clear quote takes on average no longer than 20 minutes. Once the quote is completed, we will sit down with you and explain the problem and tell you

how we can fix it. With years of experience Cloudy2Clear have a wealth of knowledge and are recognised as a Which Trusted Trader, plus our work is backed by an industry leading 25 year guarantee. Cloudy2Clear also replace faulty locks handles and hinges on all windows and doors. Your friendly local Cloudy2Clear specialist is Chris Miller and he services the Rayleigh area. So, if your windows are steamed up, broken or damaged give Chris a call for a free quotation on 0800 61 21 118.

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Where to get married in Essex If you are looking for somewhere a little different to get married, why not look at one of Southend’s Museums? Both Southchurch Hall and Prittlewell Priory are available for civil ceremonies and receptions. Southchurch Hall dates from the early 14th century and the moated manor house is a hidden oasis sitting amongst delightful gardens. Prittlewell Priory is known for being home to Monks of the Cluniac Priory of St Pancreas and is also surrounded by beautiful gardens. For details visit www.southendmuseums.co.uk or call 01702 434449. What could be more unique than a wedding at the very end of Southend Pier? The pier is now home to The Royal Pavilion which opened it’s doors on the 19th July 2012 and has a licence to perform wedding ceremonies. It is the perfect choice for weddings of up to 150 people and could possibly have the longest aisle in the world being located at the tip of the mile long pier! For more information visit www.visitsouthend.co.uk/TheRoyalPavilion or call 01702 618747. The Lawn, Hall Road, Rochford is a magnificent listed Manor House, with a glorious air-conditioned Orangery, and all set within stunning landscaped gardens. Whatever the size of wedding, all this is exclusively yours for the entire day. Whether you have a Civil Ceremony in the splendour of the Grand Hall with its beautiful sweeping staircase, or prefer to marry in church and enjoy your wedding reception at The Lawn, the service and catering is unforgettable. For more details visit www.thelawn. co.uk or call 01702 203701. The Rochford Hotel Wedding Pavilion offers a unique setting with its church pews and takes in the views of the secluded landscaped gardens. The warm and friendly staff are experienced in planning and coordinating wedding ceremonies and receptions For full details see our back page advert. Visit www. therochfordhotel.co.uk/weddings or call 01702 347418. 6

to advertise in the next issue of The Local Business Guide call: 01375 402 546


Southend 01702 467581

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Workinnggfor forthe theCommuni Communityty Worki

Rayleigh Brass Band R

ayleigh has had its own brass band for almost 100 years and has undergone many name changes. These have included the Rayleigh Mission Band, Rayleigh Brass Band, Rayleigh Town Band, and Rayleigh and District Silver Band. The name “Rayleigh Brass” was adopted in the early 1980s. Today’s group of players are enthusiastic amateur musicians who are able to put on a first class concert performance, as well as provide music for a variety of functions including school fêtes, garden parties and civic occasions. The band has had an eventful history. In the early 1920s the band performed regularly on summer evenings in Rayleigh High Street retreating to the local hostelries in the winter months. The players were accompanied by a local character known as Singer Nash, who would make a couple of musical offerings to the patrons, and pass a hat round to swell the band coffers. At this time the band rehearsed at Charlie Smith’s builders shed in Bull Lane and the proprietor was permitted to sit in with the bandsmen and play his clarinet.

Uniforms were acquired around this time, purchased second hand from Thurrock Band. These were replaced in 1934 by new, made to measure garments. With the outbreak of the Second World War the band folded, but re-formed as a casual group shortly afterwards. The band flourished until the early 1950s when financial problems forced the organisation to be disbanded again. Nearly a decade passed before the band’s history continued. In June 1961 a meeting of the Urban District Council of Rayleigh was held where the re-forming the Rayleigh Town Band was agreed. Rayleigh Brass acknowledges its role in the community, and has raised funds in the past for BBC Children in Need and local hospitals, and is always willing to consider appearing at charity fund-raising events. They have also introduced a training band where anyone (not just youngsters) can pick up a brass instrument and experience playing in a brass band. You can find out more information about Rayleigh Brass on their website www.rayleighbrass.com

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Working for the Community

Can you help Re-Home a Dog from Acres Way Kennels? Adopting a Dog If you think you can offer a dog a good home, the firs 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 identifiction 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 to report that Jerry the Labrador / Husky cross that we featured last time has been successfully been re-homed. Unfortunately Hattie the Terrier and Max the Lurcher are still with Acres Way. These 2 dogs can be quite challenging and so we are featuring them both once again in the hope that we can find them suitable loving homes.

Successfully Re-Homed !

Jerry -

10

Labrador / Husky  Aged 2 years

to advertise in the next issue of The Local Business Guide call: 01375 402 546


Hattie -

Terrier Aged 6-7 years Loves : A fuss and walks Looking for : A quiet home with adults only. She gets on well with other dogs and loves to play but she is possessive of her toys and food. She is looking for a home without children as she has been known to nip them.

Max -

Lurcher  Aged 1 year

Loves : Lots of attention and doggie toys. Looking for : Max is a very friendly chap. He’s very lively and would benefit from some obedience training. Being that he is very bouncy we would recommend that he is not homed with small children.

Macey -

Jack Russell cross

Aged 4 years

Loves : A quiet life Looking for : Macey is a nervous girl who would love a quiet home environment. She is very nervous when she first meets people but once the trust has been gained she is very affectionate. She would not be suitable in a home with children.

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

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Money Guidance Don’t Forget!

It’s that time of year again. The end of the tax year. So don’t forget to have a look at your unused investment and savings tax allowances as in most cases if you miss them they are gone for good. I know I have rambled on about pensions in many previous articles but with pension freedoms giving much more post retirement flexibility, pensions are really now super tax efficient savings accounts (albeit it without access until you are 55) and the tax reliefs and concessions make them very compelling. Why so compelling? Let’s look at the maths. If you pay your pension contribution personally your contribution is paid net of basic rate tax. So a £1,000 cheque means your invested sum is £1,250 if you are a basic rate tax payer. The full £1,250 is invested (a huge range of investment options are available) and investment returns accrue tax free on the full gross amount. If you are a higher rate tax payer you enter your contribution on your tax return which effectively reduces your gross income by £1,250, and you therefore will not pay higher rate tax on £1,250, saving you £250 further tax. So your net contribution is only £750 but you have £1,250 in your pension fund. An effective ‘overnight’ return of 66.66%! If you have worked hard enough to earn over £100,000 you are being punitively taxed as every extra £2 of earnings means you lose £1 of your tax free allowance, so if you earn £123,000 you have no free tax allowance, an effective tax rate on the £23,000 of 60%! By paying a pension contribution of £23,000 (a cheque for £18,400), your assessable income is reduced back to £100,000 and you get the free tax allowance back PLUS the 20% higher rate relief. A further tax saving of £9,200! Remember that 25% of your pension can be paid tax free after the age of 55 and your pension fund is also usually exempt from Inheritance Tax. There are limits on what you can pay in each year, but pensions are unusual in that in many cases you can go back three previous tax years and use missed allowances. This is very important if, as is 14

widely expected, a future budget (this year?) reduces the tax relief available for higher rate tax payers. Don’t Forget! If you run your own business then your company can pay your pension contributions for you and any contributions get corporation tax relief with no personal tax or national insurance as long as the contribution falls within the allowed limits. I always consider pensions ahead of ISAs due to the relief available on the contribution and the IHT aspect. If you have ISAs but lack the funds to pay into your pension then why not use your ISA money and grab those reliefs whilst they are available? If you have maxed out on your pensions or you are too young to want to lose access to the money until you are 55 then don’t forget the ISA allowance is a huge £20,000 a year. Paying into ISAs each year can build up a significant fund, and as with pensions there are many investment types available within them. Why put into a cash ISA for long term savings when the interest rate is less than inflation? Even a moderately speculative portfolio held within an ISA should give a real return above inflation over the medium to long term. As well as Pensions and ISAs there are plans available for more sophisticated or less risk averse investors such as Enterprise Investment Schemes and Venture Capital Trusts that offer similar tax reliefs to pensions, but are generally more risky. So Don’t Forget! Have a look at your pension and ISA payments for the year. If you are unsure if you have used all of your allowances or just need a helping hand or explanations, the adviser team at Joseph Lamb will be only too happy to help. 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


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 Rayleigh Toy And Model Train Collectors Show Sunday 25th February 2018 Starts: 10.00am to 2.00pm Location: Sweyne Park School, Sir Walter Rayleigh Drive, Rayleigh SS6 9BZ. Classic and Vintage Toys at this long established event. Model Trains in popular scales, diecast road vehicles , toy soldiers, sci-fi collectibles etc (subject to trader attendance) - guage layout on stage (no disabled access). Prices from 20p to £2000. Adult admission £2. Contact Gerry 07739 998012.

Toddler Sense Thursday 22nd February 2018 Starts: Thursday Classes are: 9:30 - 10:30am (1 year 8 months - 4 years) 10:45 - 11:45am (13 months - 2 years 4 months) 11:50 - 12:50pm (1 year 8 months - 4 years) Classes are £7.50 per session, paid on a termly basis

Location: Eastwood Baptist Church, Nobles Green Road, Leigh-on-Sea SS9 5PY. Toddler Sense introduces a whole new world of adventure for toddlers and children. Great music, great equipment and great new ideas! Imagine climbing a snow mountain, going on safari, digging for fossils, swimming with dolphins and hunting for dinosaurs! Every week introduces a whole new adventure. The main emphasis is on mobility, excitement and adventure. It is a fast-moving, action-packed programme. Contact number: 07583 204284.

Rayleigh Philatelic Society Meeting Monday 26th February 2018 Starts: 7.30pm for 8.00pm to 10.00pm Location: Parish Rooms, Rectory Garth, Hockley Road, Rayleigh SS6 8BA. Preparing for a Display and Competitions (Bill Trower and Ray How). organised by Rayleigh and District Philatelic Society. Membership fees apply with potential new members welcome. Contact telephone number: 01702 544632 - Ray How (Secretary). 16

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Wordsearch At The Coast

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Rayleigh, Rochford & District Association For Voluntary Service

R

ayleigh, Rochford and District Association for Voluntary Service (RRAVS) has been established in the Rochford District since 1988. RRAVS is an umbrella organisation representing the interests of all voluntary and charitable groups in the Rochford District. RRAVS are the link between the voluntary, community and statutory sectors providing support, and advise on all aspects of services provided to the community. Through their volunteer centre based in the High Street, Rayleigh they can offer advice to both organisations looking to recruit volunteers as well as individuals looking for volunteering opportunities in the local community.

Anyone can volunteer and RRAVS welcome everybody. Anytime you can give to local organisations is always valued. If you have access to the internet you can view all the available opportunities on the website www.do-it.org.uk. Alternatively you can contact the centre on 01268 772796 to arrange a convenient time to visit and discuss the options available for you. For more information visit www.rravs.org.uk

DISTRIBUTORS REQUIRED Earn extra cash delivering this magazine in your local area

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Thinking of mooving?

If you are thinking of Selling or Letting, our local presence, built up with diligent hard work, will help you get the best price or smoothest let for your property. Call us now on 01268 742742 and we would be delighted to arrange a visit to your property, to offer you practical and professional advice - without obligation.

144 High Street, Rayleigh, Essex SS6 7BU t 01268 742742 e rayleigh@amosestates.com www.amosestates.com


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