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ISSUE 19 • SUMMER 2013





FINANCE FOR BUSINESS Starting a new business or growing an existing business?

We can help! Contact our Business Support Team for more information and support.

Tel: Business Support Hotline: 01389 737777 Email: business.support@west-dunbarton.gov.uk Visit: www.west-dunbarton.gov.uk/business-and-trade

Contents From the Editor......................... 4 New Chamber Directors......... 4-5 News in Brief.......................... 5-8 Budget Summary Tweets Modern Apprenticeships European Circuits Connects Business Support Extended New Tourism Jobs Strategy Solas Boss Short-Listed

Money Matters........................ 10

Photo by Green Highlander Images.


OUR current president Gary Groves has good and bad news. The good news is that he has a new position with a major company which involves him travelling throughout the North of England and Scotland. The bad news is that, because of this, he will have to resign as president. On behalf of chamber members and directors, I want to pass on our grateful thanks for the work he has done as president. Gary is staying on as a director so he will still be involved in the running of the chamber. A new president will be in post by the annual general meeting in June. In the meantime, I will fill the gap. While I am on the subject, it would be remiss of me not to mention that Fraser Campbell of Campbell Dallas Chartered Accountants has stepped down from the board after many years of sterling service as finance director. His invaluable support and advice was essential both to me personally, when I was chief executive, and to the board of directors. He was a steady guiding hand at the helm of our finances and will always be welcome at our meetings. As ever, the chamber is looking for ways to improve services to our members and has appointed five new directors to strengthen the board. They are Nick Allan, Erik Archer, Laura Grant, Mark McRae and Iain Ross - all bringing a beneficial range of skills and expertise to the table. You can find out more about them on pages 4 and 5. Our new and ongoing relationship with Scottish and British Chambers means that we have many excellent services available to you. The Westfield

Health Plan, in particular, is a valuable, excellent, award-winning option.You can find out more about it at www. westfieldhealth.com. I was privileged to represent the chamber at the Dunbartonshire Young Enterprise Awards at Strathclyde University on 24 April. The four finalists Douglas Academy, Dumbarton Academy, Lomond School and St Peter the Apostle High School showed great skill and entrepreneurship. Everyone was amazed at the talent and innovation on display – I believe the future of commerce is in very good hands. Of course, they were all winners on the night, but there had to be an overall winner. That honour went to Dumbarton Academy – many congratulations to them but also to the other finalists for an excellent show. On that positive note, I hope you have an excellent summer holiday and return refreshed ready to continue the battle that faces business owners everywhere in these continuing challenging times.

£1.6m Clydebank Project Creates Jobs...................... 10-11 Scottish Chambers of Commerce.......................... 12 New Employer Services Team... 17 West Dunbartonshire Schools Join Chamber......................... 18 Great Scottish Swim Comes to Bonnie Banks........... 24 Meet the Buyer........................ 27 New Work Readiness Certificate............................... 27 Young Enterprise Dunbartonshire Awards....... 28-29 Love Loch Lomond Funding Success...................... 32 New Members.................... 38-39

Cover photo of Sharita Guy, employer engagement adviser, Dunbartonshire Employer Services Team, courtesy of Skills Development Scotland.

For advertising contact D-Tech: T: 01436 678808/671133 E: sales@incommerce.biz

John Corcoran Honorary President Dunbartonshire Chamber of Commerce www.dunbartonshirechamber.co.uk www.incommerce.biz

For editorial contact editor: June Hyslop T: 07944 265126 E: editor@incommerce.biz Publisher: D-Tech INCOMMERCE is published by D-Tech, 20 East Argyle Street, Helensburgh G84 7RR Telephone 01436 678808/671133. E-mail: info@dtechuk.com. Edited by June Hyslop, Copywrite Editorial, Dumbarton. Telephone 07944 265126. E-mail: editor@incommerce.biz. INCOMMERCE is fully protected by copyright and nothing may be printed nor copied wholly or in part without the written permission of the publishers. The proprietors of this magazine are publishers and not agents, or sub-agents of those who advertise therein. They cannot be held liable for any loss suffered as a result of information contained within this publication. The views expressed by authors of articles published in this magazine are solely those of the author and are not necessarily the views of or shared by the editor, the publisher or the directors, shareholders and/or employees of D-Tech or Dunbartonshire Chamber of Commerce.


EDITOR editor@incommerce.biz ANYTHING which helps employers and employment in Dunbartonshire is very welcome and there is a lot happening on this front as you’ll find out in this issue of InCommerce. The appointment of Sharita Guy and Alastair Gillen to provide more direct support and advice via the new Skills Development Scotland employer services team can only be of benefit. The chamber and its members, I am sure, very much look forward to working with them. Read about this development on page 17.

Chamber Appoints Five New Directors to Board DUNBARTONSHIRE Chamber of Commerce has five new members on its board of directors.

Modern Apprenticeships (MAs) also provide an excellent route into the workplace for young people looking for a job and give employers a cost effective way to hire.

This brings board strength to 12 and greatly enhances the chamber leadership’s range of skills and expertise.

The Tell Organisation is recruiting business administration MAs and has a bank of candidates short-listed, interviewed and ready to work if you are looking for new staff. See page 6 for more information.

Welcoming the new appointments, honorary president John Corcoran, said: “The new directors have hit the ground running and are already working hard on behalf of the chamber and its members.

The extension of help which Youth Business Scotland can give to include young unemployed and under-employed people up to the age of 30 to become self-employed is to be applauded too. (Page 7)

“I am delighted with the skills mix we now have - as a result the chamber is well placed to move forward and grow. Increasing membership and enhancing our offering to members are key priorities.”

Next year, Scotland hosts the Commonwealth Games and golf’s prestigious Ryder Cup. Both will bring an influx of visitors and provide an unrivalled opportunity to showcase what our country has to offer. Of course schools have a very important role to play in educating young people and ensuring they have the necessary skills and attributes to make their way in life. The new curriculum includes enterprise education so it is appropriate that West Dunbartonshire schools have joined the chamber. As honorary president, John Corcoran, said on signing the schools partnership agreement with Terry Lanagan, executive director of education services at West Dunbartonshire Council: “It is never too early to give young people the opportunity to find out about business and entrepreneurship.”



Photo courtesy of Nick Allan.

Last, but by no means least given the importance of the sector to the Dunbartonshire economy, a new Scottish tourism industry jobs strategy has been launched by the Scottish Government. (Page 8)

Nick Allan of Nick Allan Associates Limited Nick is an experienced chartered surveyor who recently set up his own property consultancy business in Milngavie. Nick has worked more than 30 years in and with the public, private and third/voluntary sectors. His wide-ranging expertise will help ensure that the board is fully aware of the challenges facing the public sector and is well-placed to provide the necessary expertise and support to our partners, East and West Dunbartonshire Councils, and other member organisations.

Photo courtesy of Haines Watts.

Photo courtesy of D-Tech Graphic Design & Print Ltd.

Erik Archer of Archer Associates

Mark is head of business services at the Glasgow office of accountancy firm Haines Watts.

Previously a director and managing director of SME’s and a successful negotiator of multi-million pound projects, Erik also has extensive sales and marketing experience.

His firm provides accounting, tax, audit and other business advice to a range of wide sectors and has experts in forensic accounting, corporate finance and business recovery.

He is an associate director of Integrated Environmental Solutions Limited – an innovative Scottish-based global leader in buildings analytics and software consultancy which it uses to reduce carbon emissions and energy spend in new and existing buildings.

Mark has advised companies on improving their profitability, restructuring, tax savings, financial reporting, training and has provided technical and commercial advice.

Laura, of online marketing agency, Tag Digital, has a strong track record in communications using both traditional and digital media. With a joint honours degree in law and English, Laura began her career in magazine publishing in New York, before taking on television production roles in the UK. She was listed in The Drum magazine’s Top 30 under 30 Women in Digital UK 2012.

Mark will be responsible for the financial aspects of the chamber’s activities.

Photo courtesy of Andrew Ross.

Photo courtesy of Tag Digital.

Erik is initially focussing his efforts on chamber recruitment and retention and on helping with events.

Laura Grant of Tag Digital

Mark McRae of Haines Watts

Iain Ross of Ross Telecom Consultancy Iain spent many years as a manager with BT in Scotland latterly as price design manager for its business customers. He set up Ross Telecom with the aim of ensuring businesses get the best deal from their telecoms supplier at contract renewal – and that there are no errors or overcharging in between times. He intends to provide information, resource, enthusiasm and an action centred approach to the chamber to help drive it forward.

Laura will help promote the chamber using online tools.



news in brief… Budget Summary Tweets HOT on the heels of the budget statement in March, Campbell Dallas was using social media and online channels to keep its clients informed. The chartered accountancy firm has embraced Twitter as a way of advising people quickly about the chancellor’s latest economic strategy. It also uses targeted emails and posts updates on its website. Fraser Campbell, partner, explained: “During economic uncertainty, innovation can be the single most important factor in staying ahead of the competition. “With social media quickly becoming one of the fastest growing communication methods today, we knew if we did not embrace it, we would be left behind. “When the Chancellor presents his budget each year, it is vital that we get our summary of it to clients as soon as possible, so we can highlight issues likely to affect them, their families and their businesses. This is the most efficient way to do so. “By using social media channels we are able to add value to our client service.” www.campbelldallas.co.uk Twitter@CampbellDallas



Modern Apprentices Recruitment Drive THE Tell Organisation is recruiting business administration Modern Apprentices for employers in West/Central Scotland. Tell says that Modern Apprenticeships (MA) can help provide the right mix of skills, attitude and enthusiasm for businesses. Its services are free thanks to funding from the Scottish Government to train 16 to 24 year olds. Although Tell covers the costs of the MA, wages are the responsibility of the employer. Minimum pay is £2.65 per hour in the first apprenticeship year and thereafter employers must adhere to National Minimum Wage guidelines. However, local authority subsidies may be available which allow employers to claim back between 50 and 75 per cent of wages for periods ranging from six months to two years. Tell has a bank of candidates who have been shortlisted, interviewed and are ready to work. It also offers apprenticeships in customer service, management, dental nursing, engineering, motor vehicle maintenance and health and social care. www.tell.co.uk

Social Networking Connects European Circuits SOCIAL networking has helped European Circuits Limited (ECL) connect with the product designers and engineers of tomorrow, as well as with clients worldwide. Students from the University of Strathclyde (pictured top right) recently visited its Clydebank factory to see for themselves how its production processes and business strategy work. The initial contact was made following posts by the company on Twitter and Facebook. University of Strathclyde teaching associate, Ross Maclachlan, explained: “I was actively looking for local and interesting companies that linked with the theme of the Technology Concepts class. “I quickly came across European Circuits through their online presence and was initially attracted by the range of product and client case studies. “The tour of the facility was excellent, demonstrating a successful social media strategy that is normally only seen in B2C businesses – that ECL are successfully generating new global B2B business opportunities through social networking is a extremely valuable lesson for students who are not only focussed on the physical design of products but also in delivering them to a broad range of users in an innovative way. “The visit was unique in the way it combined both business strategy and production process elements. There were many

other lessons throughout the tour, for plant design and layout, lean implementation and state-of-the-art PCB design, fabrication and assembly facilities.” ECL business development manager, Philip Briscoe, added: “We’re happy to get involved in these kind of tours to show students what we do. Our hope is that it gives them some idea of what to expect after they finish the course and ideas of where they can put what they have learnt during the course into practice.” Students from the University of Gronigen (pictured bottom right) in the Netherlands also visited the factory a week later. www.europeancircuits.co.uk Facebook: www.facebook.com/europeancircuits Twitter: @europeancircuit LinkedIn: http://uk.linkedin.com/company/europeancircuits-limited Facebook “f ” Logo

CMYK / .ai

Facebook “f ” Logo

CMYK / .ai

Business Support Extended to 26-30 Age Group YOUTH Business Scotland (YBS) can now help young people up to the age of 30 become self-employed.

can also access its services both for business start-up and for ongoing support.

Previously the organisation, which was formerly The Prince’s Trust and PSYBT, concentrated on the 18-25 age group.

It is hoped this will increase the number of disadvantaged young people moving into self-employment.

From April 1, those aged 26-30 who are either unemployed or under-employed (working less than 16 hours per week)




Solas Boss Short-Listed for Top Business Award

New Scottish Tourism Industry Jobs Strategy

SOLAS Group managing director Graham McLellan (pictured) has been short-listed for a top Scottish business accolade.

A new strategy to attract more skilled people into jobs in tourism has been launched by the Scottish Government.

“As we prepare the nation to welcome the world to Scotland in 2014, ensuring employers can access the training they need is more important than ever. “Strong leadership and management from the tourism sector are vital to build on the success of campaigns like Brave and the current Year of Natural Scotland. “Tourism is one of the leading growth sectors of the Scottish economy, currently employing around 185,900 people across more than 13,000 businesses. “With record investment, the sector has set ambitious growth targets and aims to increase annual visitor spend by 2020.” With 2014, when Scotland will host the Commonwealth Games and the Ryder Cup, fast approaching, getting new people into the sector and developing good leaders are industry priorities. The plan has been developed on behalf of the Scottish Government by Skills Development Scotland, working with industry partners, Scottish Tourism Alliance (STA) and the Tourism Skills Group. Marc Crothall, STA chief executive added: “It is all about delivery of excellent service through training, focusing on understanding the customer’s expectations. “The industry provides wonderful opportunities and I look forward to the Skills Investment Plan delivering on its objectives.” http://www.ourskillsforce.co.uk/content/tourismskills-investment-plan-scotland



Photo courtesy of Solas.

Tourism minister, Fergus Ewing said the Skills Investment Plan which supports the National Tourism Strategy was vital:

VIP tables at the Scottish Business Awards, which include the opportunity to meet keynote speaker former US president Bill Clinton, are already sold out. Graham is in the running for the Microsoft Social Entrepreneur of the Year award at the prestigious ceremony which takes place in Edinburgh on Friday, 12 June. He faces stiff competition from seven other candidates including Jim Duffy of Entrepreneurial Spark, former lawyer Olivia Giles of 500 Miles and Robert Tamburrini of NG Homes. “I have to say I am slightly embarrassed, as I am only doing my job, and don’t really see myself as doing anything special, never mind award-winning,” he said, “especially when you look at the other finalists! “However, anything that brings Solas and social enterprise in Scotland onto the radar is something that I will support “Solas is all about the team here, supported by our trustees, and really this nomination is for them, not just for me.” Dumbarton-based Solas, which celebrated its 25th anniversary in 2012, is one of Scotland’s most successful social enterprises. It has grown from a community business created to draught-proof council houses in 1987, into one likely to have a group turnover of £10 million by 2017. www.solas.biz




Up to


per week for 26 weeks !

Are you a business looking to recruit additional employees? If so, we want to hear from you! The aim of this programme is to provide a financial incentive to businesses to create new employment opportunities for West Dunbartonshire residents who would otherwise be unemployed/economically inactive. The subsidy is payable for a maximum of 26 weeks, covering 50% of gross wages up to a maximum payment of ÂŁ150 per week.

To find out more contact West Dunbartonshire Council on 01389 737777 Email: business.support@west-dunbarton.gov.uk

Photo courtesy of Cam

Real Time Information

PAYROLL reporting in Real Time Information (RTI) is now firmly upon us – employers have until 5 October to ensure that they are up to speed with the new system, says Liz McKenna, tax senior with Campbell Dallas Chartered Accountants. After this date, full HMRC RTI submission reports are required each time a payment is made, regardless of their frequency. Previously, details of payments and deductions made to individual employees were not reported until the end of the tax year. Now, to comply with the new legislation, RTI reporting requires: • Employers to report details of payments and deductions each time they pay employees; • Accurate employee information. If employees fail HMRC validation checks, payments cannot be processed; • All employees to be reported even if they earn less than the lower earnings limit or are casual/irregularly paid workers; • Correct submission payment dates, which change depending on the pay date, and frequency of pay • A full payment submission report (FPS) must be submitted before employees are paid. If paid monthly, 12 FPS submissions are sent a year; if weekly, 52 submissions and so on; • A monthly Employer Payment Summary report which reports cumulative details or any statutory payments. Any mistakes in the FPS should be corrected on a subsequent FPS/ EPS. The penalties that apply under PAYE will remain unaltered for the tax year 2012/13, but from 2014, it will change to include those for ‘in-year’ inaccurate returns. Lastly, from April 2014, the government has introduced a £2,000 allowance which is to be offset against employer Class 1 liability. This should be claimed via RTI payroll. Employers should use this ‘grace period’ wisely and either adapt their payroll processes or work closely with their payroll provider to ensure full compliance by 5 October. For more information contact Liz McKenna on 0141 886 6644 or email liz.mckenna@campbelldallas.co.uk. Campbell Dallas is a chamber partner organisation and is one of Scotland’s leading independent chartered accountants with offices in Aberdeen, Glasgow, Perth and Stirling.


Photo courtesy of Clydebank Re-built.

pbell Dallas.

Money Matters

ON SITE: Gil Paterson, Clydebank and Milngavie MSP; Donna McNamara, chief executive officer, Hub West Scotland; Mike Burrows, managing director Fleming Buildings; Graham Mochan, chairperson, Clydebank Re-built and Adrian Brown, project manager Scottish Enterprise.


£1.6m Clydebank Project Creates Jobs A £1.6 million project to build seven new workshop units and prepare six additional sites for small factories will bring up to 50 new jobs to Clydebank. The development, off Glasgow Road at Clydebank East, is to meet demand in the town for small workshop units, following the success of the nearby John Knox Street (JKS) workshops. “We are delighted to be meeting local needs for more modern workshop units”, said Graham Mochan, chair of Clydebank Re-built, the town’s urban regeneration company which is behind the project. “We are building on success. Space at our expanded JKS Workshops is always at a premium and we have already had enquiries from businesses interested in expanding or opening up at Clydebank East. “During construction we will be working with Clydebank College to offer real industry experience. As part of their studies, about 50 students on the construction course will follow the project from start to finish.” The new Clydebank East workshops are Clydebank Rebuilt’s first regeneration project to be procured through

Factfile Hub West Scotland, which was recently established by the Scottish Futures Trust for the delivery of new community infrastructure and buildings. Building work is already underway with appointed contractor, Fleming Buildings. The workshops, which range in size from 550 to 1,200 sq feet, should to be ready for September this year. Debbie McNamara, chief executive of Hub West Scotland, added: “We are pleased to be working with Dunbartonshire contractor, Fleming Buildings, on this important regeneration project. “This shows our commitment to working with the local supply chain as well as offering opportunities to construction students at Clydebank College.” In addition to the seven purpose-built workshops, the Clydebank East site will have a number of ready-to-build sites for small factory units which businesses can purchase for their own unit or factory. www.clydebankrebuilt.co.uk

CLYDEBANK Re-built was established as an urban regeneration company in 2002 by West Dunbartonshire Council and Scottish Enterprise. Over the last 10 years, £50 million has been invested in a number of regeneration projects, including Queens Quay, formerly John Brown’s shipyard site, Clyde Gate and around the town centre. Clydebank College’s new £34 million campus at Queens Quay opened in 2007. Clydebank Re-built has received more than 20 national and international awards and accolades for its regeneration work in the town. Hub West Scotland is a public/private partnership formed in April 2012 between various public sector participants, Scottish Futures Trust and the Wellspring Partnership Limited. Clydebank Re-built is a Hub West Scotland participant. The hub initiative was established by Scottish Futures Trust nationally to deliver new community infrastructure and buildings. It brings community planning partners, including health boards, local authorities, police, fire and rescue services together with a private sector development partner to increase joint working and deliver value for money.



Stewart Rennie, of Rennie McInnes LLP, solicitors, is our company secretary, and liaison with Scottish Chambers of Commerce (SCC). He reports back from SCC meetings he recently attended.

Photo courtesy of Rennie Mcinnes LLP.

Scottish Chambers of Commerce

DID you know that your membership subscription puts you at the heart of a powerful and influential business organisation? One which has a dedicated policy and economic research team, one which gives you the opportunity to influence the business environment nationally? Dunbartonshire Chamber is an affiliate member of SCC, which has a combined membership of more than 9000 businesses - clout that means it is courted by the media and consulted by the Scottish and Westminster governments on issues affecting businesses in Scotland.

Organisation SCC is chaired by Nora Senior, who will speak to Dunbartonshire chamber in May. Liz Cameron, the former lady provost of Glasgow, is SCC’s full time chief executive and heads up a staff of 10.

However, it is not all Hollywood glamour and sporting superstars. SCC attended a meeting with MP’s, MSP’s and US airline representatives to seek the abolition of Air Passenger Duty (APD). APD is widely seen as restricting both the number of tourists who fly into the UK and their movements within it but the key battle is to persuade the Treasury that removing it will be more than offset by the benefits to the economy.

Nora and Liz recently met John Swinney, MSP, Cabinet Secretary for Finance, Employment and Sustainable Growth in the Scottish Government to discuss chamber business.

Independence Referendum


Not surprisingly, the upcoming referendum will be a focus for SCC. While SCC remains apolitical, it will be asking questions relevant to the Scottish business community.

Dr Mike Cantlay, chairman of VisitScotland talked to SCC about the recent unprecedented focus on Scotland and the boost this gives to the tourism industry. He referred to the huge impact of the Commonwealth Games and Ryder Cup coming to Scotland in 2014, as well as to the promotional benefits from Disney/Pixar’s animated film ‘Brave’. He explained that VisitScotland was able to capitalise on the intense media coverage. 12

Air Passenger Duty


SCC and the Economic and Social Research Council have commissioned Professor David Bell of Stirling University to find out what areas are of most concern. As a first step SCC will shortly be sending out an email questionnaire to all members to find out what their concerns are and I urge you to complete and return it. www.scottishchambers.org.uk

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New Dunbartonshire Employer Services Team A NEW employer services team is geared up to help Dunbartonshire businesses with their recruitment and skills needs. Skills Development Scotland (SDS) has appointed Sharita Guy (pictured right), employer engagement adviser, and Alastair Gillen (pictured below), relationship account executive, to give employers more direct support and advice. Operating on a regional basis across local authority areas, they will be on hand to offer advice as and when required. This follows the recent launch of Our Skillsforce, a comprehensive new employer web service which provides easy access to a range of public sector information and support services, to help employers meet their future skills needs. The new team will engage with local and regional stakeholders including Scottish Enterprise, Business Gateway, East and West Dunbartonshire Councils and with the local employability partnership. They will also work closely with organisations which represent businesses and employees, including Chambers of Commerce, the Federation of Small Businesses and the STUC.

Commenting on her appointment, Sharita, who was previously regional manager for the Prince’s Trust for Argyll and Dunbartonshire, said: “I am particularly keen to work with employers and partner organisations in the Dunbartonshire area to promote skills and learning.” Former employee development training officer, Alastair, added: “Our roles will bring together all the key partners across the country to ensure that employers are fully informed of the support available.” Gordon McGuiness, head of industry and enterprise networks at SDS, said: “Continuing to support employers remains a top priority and the restructure and expansion of the team demonstrates our ongoing commitment across the country. “We are thrilled with the calibre of excellence in the team, which will bring together support from appropriate public sector bodies to help make sure the right help is available to employers, regardless of size or location.” More information is available from the SDS Employer Helpline on 0808 100 1090 or at www.ourskillsforce.co.uk.

Photos courtesy of Skills Development Scotland.



PARTNERS: (Back row) Kathryn Gallacher, head teacher, St Peter’s PS; Councillor Michelle Stewart, convener of educational services; Christine Hutchison, head teacher, Aitkenbar PS; (Seated) John Corcoran and Terry Lanagan with pupils from Dumbarton Academy, Our Lady and St Patrick’s High School, St Peter’s and Aitkenbar Primary Schools. Photo courtesy of West Dunbartonshire Council.

West Dunbartonshire Schools Join Chamber THE chamber of commerce is hoping to encourage tomorrow’s entrepreneurs by signing up schools in West Dunbartonshire as members. Honorary president, John Corcoran, welcomed the partnership agreement with West Dunbartonshire Council: “All schools, specialist schools, nurseries and educational support units are now members of Dunbartonshire Chamber of Commerce. “The underlying philosophy is to introduce industry and commerce to pupils at an early stage. “It is never too soon to give young people the opportunity to find out about business and entrepreneurship. “Parents often want their children to be academic but they can be very successful and make an excellent living with a trade or commercial enterprise. 18


“The chamber is happy to visit schools to talk about business and its benefits, to offer guidance and support to pupils, parents and teachers and, of course, to work with schools to promote the Curriculum for Excellence and help with placements. He added: “Pupils are invited to get involved in chamber activities, meetings and events.” Signing the agreement, the council’s executive director of educational services, Terry Lanagan, said he was delighted to do so. “The partnership means all schools automatically become members of the chamber and will improve links between schools and local businesses. “In addition, this will make a significant contribution to education in important curricular areas such as enterprise, business and financial education. “It fits in well with the work we are doing to get schools to have closer ties with the wider community.” Schools in East Dunbartonshire are also chamber members.

AN INVITATION BUCHANAN CASTLE GOLF CLUB James Braid designed stunning parkland course – set in magnificent Loch Lomond scenery. Buchanan Castle Golf Club has recently welcomed lots of enthusiastic new members of all ages. The club has invested heavily over the last few years in order to provide unique golf and clubhouse facilities for all. A well maintained 18 hole scenic course, along with the new 9 hole Academy Course and an abundance of practice facilities including a 10 – bay covered floodlit Driving Range, ensures that there is something for everyone. The relaxed atmosphere for the beginner offers a clear pathway from Academy Membership through to becoming a full Club member as they build up not only their skill levels but more importantly, their confidence. With cost effective packages and easy payment plans on offer for individual and Family Academy membership from as little as £300 - there has never been a better time to take up golf. Contact the Club to arrange a visit or to discuss membership, group outing or corporate day – happy to show you around what we have to offer. Contact Janet Dawson, General Manager on 01360 660307 or Keith Baxter, Club Professional on 01360 660330 Refurbished, relaxing Clubhouse with full catering – available to hire for private or corporate events - makes it an ideal venue to entertain your friends and clients. The stunningly beautiful and peaceful location is the perfect place to have that all important business meeting or event. Full day package available to include meeting room, golf, golf clinic, use of driving range, lunch or dinner, prize giving – we can tailor your day to your specific requirements. For those in your party that have never played golf – encourage them to come along – we can arrange video lessons in the covered 10-bay driving range followed by a fun few holes on the Academy Course or practise areas.



Golf Course A Stunning Setting with Club Atmosphere

The Carrick layout, offers unrivalled views across Loch Lomond with nine holes in the Lowlands and nine holes in the Highlands, with its stunning 14th hole a real jewel in the crown standing 80ft above the green, closely guarded by bunkers. continued >

Photos courtesy of De Vere.








> from previous page

Ross Whitfield, The Carrick Golf Club general manager, explained: "We are continually improving the quality of the course and it is maturing fantastically well." He added that The Carrick has a real club atmosphere with regular member competitions and social events in the Claret Jug restaurant and bar. It is also home to the world class Carrick Spa which arguably the best Spa in Scotland


The Carrick pioneered an 'innovative and forward thinking' PGA recommended individual or corporate membership scheme, supported by the De Vere ambassadors Colin Monggomerie and Gavin Hastings, the membership is designed to make golf more accessible, flexible and family friendly, to stimulate participation and frequency of play. Based on a points system, it gives golf membership for just ÂŁ325 with access to 16 De Vere courses at 11 locations throughout Britain, including the Carrick and European Tour venue Slaley Hall as well as the spiritual home of the Ryder Cup, The Belfry. Points can be topped up at any time and can be used to entertain friends, family and business associates. www.devere.co.uk or call 01389 713664





Answer the following question –

What loch does The Carrick sit on? Send your name, address and telephone number by email to:fourball@incommerce.biz by the closing date of 31/8/13. The winner will be drawn by the publisher from entries received by the closing date. There is no cash alternative and the prize is non-transferable. The publisher’s decision on all matters is final and no correspondence will be entered into. The-Carrick-132mmx167mm-Advert-ART.pdf



Employees and agents of the publisher or any company connected with the production or distribution of a prize or any of their associated companies are not eligible to take part, nor are their relatives or members of their families or household. Only one entry per person. 20:54

De Vere Golf Society Golf

at The Carrick on Loch Lomond



per person








De Vere Golf ambassadors Ryder Cup Captain Colin Montgomerie and rugby legend Gavin Hastings.


For a limited time only, play Society Golf for only £49 per person. Enjoy the spectacular views of the Loch as you walk in the footsteps of legends and show your latest skilful shots to friends, colleagues and Ben Lomond. Play golf. Like never before.

For more information

0871 222 4681

thecarrick@cameronhouse.co.uk *Full Terms and Conditions apply. Subject to availability and change. New bookings only. Minimum of 12 golfers or more. For play only on a Friday, Saturday or Sunday. £5 supplement applies. This offer does not apply in conjunction with any other offers. Book before 31st July 2013. Tee times can only be held 1 week prior to play.

Golf. Like never before.

Photo courtesy of Dave Tyrell.

Great Scottish Swim Comes to Bonnie Banks

to explore what’s on their doorstep and experience the great outdoors. Our hope is that people taking part in the event and spectators alike will explore further afield and find out what else the National Park has to offer.”

DUNBARTONSHIRE businesses are being urged to support the Great Scottish Swim which takes place in Loch Lomond this year. The organisers, Nova International, want chamber members to get involved in what is Scotland’s biggest open water swimming event on Saturday, 24 August.

An anticipated 2,000 swimmers can chose from a half-mile, one-mile or two-mile course depending on their level of ability and will have expert kayakers and safety boats with them every stroke of the way.

The swim is likely to provide a huge economic boost to the area with accommodation providers, restaurants and tourism related businesses benefitting from an influx of around 20,000 spectators.

The Team Challenge encourages group entries from colleagues, friends or family members, with prizes for the fastest in each category, and can be used to fundraise for charity.

Businesses are being encouraged to put details of any deals or promotions for swimmers and their supporters on the event’s website and via its social media.

Teams can upload a photo, with a brief description of how they know each other and why they are taking part in the event to the swim website.

Funding partners Events Scotland, Loch Lomond and Trossachs National Park (LL&TNP) and West Dunbartonshire Council (WDC) are delighted the event is being hosted locally. Councillor David McBride, convener of environment and economic development at WDC, said: “I’m thrilled we will be hosting this international event. We also passionately believe that Loch Lomond and West Dunbartonshire are fantastic tourist destinations and so we’re delighted that the Great Swim will attract thousands to come and see that for themselves.”

The event, which was previously held at Strathclyde Country Park, is geared towards swimmers of all abilities. There’s also the chance to see some of the world’s best compete in a thrilling head-to-head elite race. www.greatswim.org/Scotland Facebook “f ” Logo

CMYK / .ai

Facebook “f ” Logo

CMYK / .ai

www.facebook.com/greatswim and twitter@great_swim

Fiona Logan, chief executive of LL&TNP added, “In this, the Year of Natural Scotland, we are keen to encourage people







to take on your first employee !

Are you a business who would like to recruit their first employee? If so, we want to hear from you! The aim of this grant is to encourage businesses to create employment opportunities within West Dunbartonshire. The grant will benefit businesses by supporting them with advice and financial assistance to take on their first employee. The programme will provide a grant of ÂŁ1,000 to businesses to assist them with the resource implications of taking on their first employee.

To find out more contact West Dunbartonshire Council on 01389 737777 Email: business.support@west-dunbarton.gov.uk


Linda McFarlane Solicitor

Jonathan Clinch Partner

Serving the legal needs of local businesses for generations

Anne Stanley-Whyte Partner

Scott Docherty Partner

Arthur Logan Consultant

Our Legal Team

Nicola Bonthrone Solicitor

Stephen Mullan Solicitor

Douglas Thomson Solicitor - Advocate

John Gilmour Consultant

Ian Wolfe Consultant

Staff Equality: A Cross to Bear The beginning of 2013 brought employers’ responsibilities under the Equality Act 2010 into sharp focus, with the European Court of Human Rights ruling that a Christian airline employee was discriminated against when she was banned from wearing a crucifix necklace. At the same time, however, a number of similar cases were not upheld, and the Equality and Human Rights Commission will be publishing guidance for employers and employees to avoid confusion and hopefully prevent the need for further costly and divisive litigation. In the meantime, employers would be well advised to reconsider all their policies and procedures, to ensure that where they are applied they do not impinge on employees’ freedom of thought, conscience or religion, but also on their many other rights enshrined in the Equality Act; in other words, their right not to be discriminated against on the grounds of age, disability, gender reassignment, marriage

and civil partnership, pregnancy and maternity, race, religion or belief, sex or sexual orientation. Discrimination can come in many forms. In our experience many employers have applied a ‘cut and paste’ generalised policy on equality which, without being tailored carefully, might not be suitable for their specific workplace, and we have also seen employers fall foul of the law by not reacting appropriately to even minor concerns about equality. Therefore, reconsidering now your approach to all aspects of your business, and that includes from job applications, promotions, training, right through to how you deal with retirement, may save you the hassle and significant cost of unnecessary litigation where you may end up being looked on unfavourably by an employment judge. SCOTT DOCHERTY is the Dumbarton based partner in McArthur Stanton, which has two other offices in Helensburgh. Scott can be contacted on 01389 762266. www.mcarthurstanton.co.uk

For help with employment, debt recovery, commercial transactions and more, just call us today on

01389 762266 or 01436 672212

Meet the Buyer AROUND 35 local businesses got a chance to Meet the Buyer and network at an informal event organised by West Dunbartonshire Council (WDC) in Clydebank Town Hall at the end of March. In conjunction with Dunbartonshire Chamber of Commerce, the Federation of Small Businesses, Scotland Excel and others, it was a chance for them to find out how to bid for public sector work. Advice and support was also available from WDC’s procurement and economic development teams.

Photos courtesy of West Dunbartonshire Council.

New Certificate Prepares Young People for Work SCOTTISH businesses have backed a new employer assessed, work experience-based qualification for young people.

“This certificate is going to go further than anything before it in eliminating that doubt.”

The Certificate of Work Readiness has been developed by Skills Development Scotland in response to feedback from employers that young people do not have the ‘soft skills’ required to meet the demands of the workplace.

The Scottish Qualifications Agency accredited certificate takes an average 10 to 12 weeks to complete and is unique in that it is only awarded following employer assessment.

It is targeted at 16 to 19 year olds who have a positive ‘can do’ attitude and features 190 hours of real life work experience. Maggie Morrison, SDS board member, said: “It has been an age old complaint of the business community that those starting out on the first rung of the career ladder, no matter their academic ability, often do not have the practical knowhow to succeed from day one.

Its completion will greatly increase a young person’s employability as it shows they have met a standard that employers are looking for. The Certificate has attracted the backing of industry, employer bodies and companies of all sizes across Scotland. www.ourskillsforce.co.uk

Photo courtesy of Skills Development Scotland.

EMPLOYABLITY: Scottish Government Minister for Youth Employment, Angela Constance, celebrates the launch of the new ‘work readiness’ certificate with some of its first recipients.



TOP OF THE FORM: Dumbarton Academy’s Right Company were best overall and won two other awards.

Dumbarton Academy Scoops Top Prize... and Two More

YOUNG entrepreneurs from Dumbarton Academy took a top award for their innovative business which promoted the ideas behind UNICEF’s Rights of the Child. The school won the Campbell Dallas Award for Best Overall Company and received their trophy from the firm’s Rhona MacKinnon at the Young Enterprise Dunbartonshire (YED) final review and award ceremony in Glasgow in April. They were closely pursued by the Prospect YES Company of Lomond School, Helensburgh, who were runners-up, and who also received the Clydebank College Award for Best Presentation. Dumbarton Academy’s Right Company also won the Wide Blue Award for the Most Innovative Product or Service and the Dunbartonshire Chamber of Commerce Award for the Best Company Report. The Aggreko Award for Best Trade Fair Stand and the University of Strathclyde Award for Best Marketing Strategy went to Spark of Douglas Academy in Milngavie. Barcode from St Peter the Apostle High School, Clydebank, won the Award for the Most Environmentally Sensitive Company. Dumbarton Academy will now represent the area in the Young Enterprise Scotland finals in June against 16 other teams.

Photos courtesy of Elaine Graham Photography.


BEST PRESENTATION: Lomond School’s Prospect YES Company were also overall runners-up.

ECO-FRIENDLY: St Peter the Apostle High School’s winning team - Barcode were the Most Environmentally Sensitive company.

“Each year the young people of Dunbartonshire never fail to surprise us with their creativity and ingenuity” Chairman of the YED Board, Jack Rudram, said: “Each year the young people of Dunbartonshire never fail to surprise us with their creativity and ingenuity, as well as providing an impressive display of hard work and commitment. “The standards they set themselves are extremely high and this year was no exception. All the leading teams had excellent products, good business plans and tremendous determination to making their companies a success. “What they have gained from the experience will serve them well in the future, whatever walk of life they choose.”

DOUBLE SUCCESS: Tom Sreeves, of Aggreko UK Ltd with Spark of Douglas Academy who won Best Trade Fair Stand and Best Marketing Strategy awards.

DUNBARTONSHIRE CHAMBER OF COMMERCE AWARD: Honorary president John Corcoran reveals Dumbarton Academy as winners of the Best Company Report.

Young Enterprise The Young Enterprise Company Programme has run for 40 years. It allows pupils aged 16 to 18 to test out their business ideas by setting up and running their own company in schools over the course of an academic year. They elect a board of directors, raise share capital, produce and market a product or service of their own choice and thus gain valuable experience of all aspects of business operations. At the end of the year they liquidate the company and present a report and a short presentation to their peers and guests at the YED final review and awards ceremony.





at Cameron House on Loch Lomond

Relax with 7 days of fantastic summer offers in the Claret Jug at The Carrick with spectacular views and a relaxed atmosphere. Destination dining at it’s best whether you’re a golfer, spa lover or just enjoy great food in a great location. MONDAY: The “JUG’ Burger night from


THURSDAY: Tapas night +glass of wine* from

FRIDAY: Scottish night buffet + band



Fish combo night

WEDNESDAY: All you can eat curry night

£9.95 £17.50

£15.95 Saturday: Treat night, dessert on us* SUNDAY: Sunday Roast Lunch + kids eat free*

TO BOOK CALL 01389 722596 www.cameronhouse.co.uk Cameron House on Loch Lomond, Loch Lomond, Dunbartonshire, Scotland, G83 8QZ *Terms and conditions apply. Offers are subject to availability and are correct at time sent. Valid from 29/0413 to 30/06/13

The Fairways Funeral Plan

The personal service you deserve. The Fairways Funeral Plan is individually tailored to meet your needs. Everything included in The Fairways Funeral Plan is fully guaranteed no matter how high prices rise and we’ve created flexible payment plans to suit any budget. So even in uncertain times, you can rest assured everything will be taken care of. Simple, affordable ways to pay. Pay in full with a single payment or over a set period. Or by fixed monthly payments. Saves your loved ones worry and a financial burden. Choose from a Tailor-made option or from 3 Set Cremation Plans.

Protects against the rising cost of funerals. Your family won’t need to pay a penny more towards your plan, even in 20 or 30 years time. Consultations can be arranged in the comfort of your own home.

For more information and a free brochure please contact:

Wylie & Lochhead

Unit 7 The Triangle Shopping Centre, Bishopbriggs

0141 772 8212

Wylie & Lochhead

Wylie & Lochhead

0141 954 4488

0141 332 2653

860 Crow Road, Anniesland

201 Pitt Street

McLays of Milngavie 4 Crossveggate Estate, Milngavie

0141 956 2373

This voucher entitles the bearer to a £50 discount off the retail price of a Fairways Funeral Plan.* Terms & Conditions: 1. This discount is solely redeemable by the presenter of the voucher, who may use it to purchase a plan for themselves or an immediate family member, but must be the person responsible for organising the purchase. The voucher may not be exchanged for cash. 2. The discount will be deducted from the retail price of the Funeral Plan purchased at time of sale. 3. Only one discount is available per transaction. 4. This voucher has no cash value and may not be used in conjunction with any other discount or promotion. 5. The decision in relation to each discount is final and binding. 6. *Subject also to the terms and conditions of the Funeral Plan purchased. 30/11/2013. MKT/13/014 7. This discount does not apply when paying for a plan by fixed monthly payments. 8. This voucher is valid until 31.12. 2011. MKT/11/076


TOURISM BOOST: Yvonne Park of World of Golf, Stuart Cordner of Cruise Loch Lomond, Michael Cantlay of VisitScotland, Stuart Fraser of The Oak Tree Inn with Gill Robertson, manager of Love Loch Lomond at the VisitScotland Expo 2013.

Love Loch Lomond Funding Success VISITSCOTLAND is helping fund a marketing campaign for the Love Loch Lomond tourism partnership.

helping to ensure it’s not only a must visit, but a must return destination.

An award of £42,500 from its Growth Fund should generate at least £1.7million of new business for the area this year.

“The Year of Natural Scotland has been excellent in showcasing exactly what Scotland has to offer and I’m delighted we’ll be continuing this message through Love Loch Lomond and the plans they have through marketing and product development.”

The money will be used to support an £85,000 marketing campaign, with particular emphasis on the current Year of Natural Scotland. Scottish Enterprise is also providing Love Loch Lomond with financial support for the marketing campaign and product development initiatives. The money will help pay for a range of spring into summer and autumn marketing activities including new themed video films and itineraries, promotional print, online and press advertising campaigns, travel press relations and holiday competitions, as well as maximising the growing tourism potential from social media. The award was announced by Mike Cantlay, chairman of VisitScotland, during a visit to Love Loch Lomond’s stand at VisitScotland Expo 2013, Scotland’s premier businessto-business travel trade event. He said: “I’m delighted the hard work of Love Loch Lomond has been recognised. The funding will contribute significantly to the ambitious plans the group has for the area,


Chairman of Love Loch Lomond, Stuart Cordner, added: “We see ourselves as Scotland’s natural playground and we are working hard to show visitors the amazing places, activities and experiences we have to offer. “We welcome this funding as it will enable us to work together with local business to do much more to promote the area in key priority markets in Scotland, the North East of England and the Midlands. “ Formed in 2011, Love Loch Lomond is an industry-led destination organisation which operates in the Loch Lomond, Strathendrick, West Dunbartonshire and the Clyde Sea Lochs areas. The VisitScotland Growth Fund is designed to support industry groups with marketing projects aimed at increasing visitor numbers and reaching new target markets. Funding can cover 50 per cent of approved marketing costs from a minimum award of £5,000 up to a maximum of £65,000. www.lovelochlomond.com www.visitscotland.org/growthfund

Space to be themselves, learning together.

Strong academic results Equestrian and sporting academies Continued investment New Science Centre opens in August

Kilgraston, Bridge of Earn, Perth PH2 9BQ Telephone: 01738 812257. Fax: 01738 813410 email: headoffice@kilgraston.com www.kilgraston.com Kilgraston School Trust is a charity. Scottish Charity Number SC029664

YOUR NUMBER ONE STOP FOR GOLF We are a small family run delicatessen and cafe, Daughter (Julie) and Mother (Lin). Been trading for five years, serving home cooked food, including full breakfast, tasty soups and made to order sandwiches and panini. All baking is home made including scones, carrot cake and thick caramel slice. Deli and grocery products are mainly sourced from Scottish producers and suppliers, along with a selection of ingredients for around the world.

Normal opening hours Oct - Easter 8.30am til 5pm Thursday to Tuesday, Closed on Wednesday. Easter to Oct 8am til 5.30pm.


If you are planning a day in the great outdoors, pop into the deli to fuel up before venturing out or enjoy a well earned coffee and cake afterwards. Outdoor seating available, weather permitting, so enjoy a coffee or cold beer while watching the rest of the world go by.

10 Ancaster Square, Callander, FK17 8ED Tel: 01877 331220 email: deli.ecosse@yahoo.co.uk www.deliecosse.co.uk

COME INSTORE AND SIGN UP TO OUR Walk East Dunbartonshire

Thomas Muir Heritage Trail www.thomasmuir.co.uk



Breakfasts, Lunches, Light Meals & Home Baking Serving Puro Coffee, Teas & Fusions Fresh ground coffee, traditional cooked breakfast, a superb selection of fresh hand made sandwiches, light healthy meals, and fabulous home baking that includes many of Lorna’s Grandmothers original secret recipes TMCS Open: Mon-Fri 9.30am - 4pm, Sat 10am - 4pm, Sun 11am - 4pm

Cards & Gifts ♥ Jewellery ♥ Baby Gifts ♥ Handbags ♥ Catalytic Fragrance Lamps ♥ EasiYo Yogurts ♥ Terramundi Pots ♥ Yankee Candles ♥ Confectionery ♥ Preserves ♥ Scottish Fine Soaps ♥ and Willow Tree ♥ and much more… HGS Open: Mon-Fri 9.30am - 5.30pm, Sat 10am - 5pm, Sun 11am - 4pm


Lomond Industrial Estate, Alexandria, G83 0TP. TEL: 01389 752393 • FREE PARKING • OPEN 7 DAYS A WEEK Antartex Village is a trading name of The Edinburgh Woollen Mill Limited, a company registered in Scotland, No SC024081, registered office Waverley Mills, Langholm, Dumfriesshire, DG13 0EB.


up to


grant aw for the beard businessst ideas!

Could you run your own business... and help your community along the way? We want to hear from you! Are you interested in starting a social enterprise business that will make West Dunbartonshire a better place to live with better services, new jobs, more training opportunities and openings for volunteers? If you have energy, enthusiasm, commitment and the ambition to help your community, our partner agency, Firstport, will work with you to develop your business idea. If you don’t have an idea, they can help you find one to get your business up and running.

To find out more contact West Dunbartonshire Dunbartonshire Council Council on on 01389 01389 737777 Email: Email:business.support@west-dunbarton.gov.uk business.support@west-dunbarton.gov.uk

Grow your business with a Inchmurrin Island Business Mentor the Difference. Experience The Ben from the Loch

www.businessmentoringscotland.co.uk Contact: Linda Perry Business Mentoring Executive 0141 847 5458 / 07525 323500 lperry@renfrewshirechamber.com www.renfrewshirechamber.com

Join Business Mentoring Scotland …We Did!

The Botourich Apartment

The Balhama Apartment

Just a short ferry crossing from the mainland, Inchmurrin Island provides traditional hospitality in the form of a restaurant, bar and self-catering accommodation. A ferry service is provided for guests and several jetties are available for customers who have their own boats. Restaurant and Bar The restaurant and sun deck enjoy some of the finest uninterrupted views of Loch Lomond towards Boturich, Balloch and the hills beyond. Using only the finest and freshest local produce, traditionally prepared on the premises. Accommodation The self catering accommodation consists of three self catering apartments with uninterrupted views of Loch Lomond and one self catering cottage with its own private sun deck, garden & beach.

Inchmurrin Island, Loch Lomond G63 0JY • Tel: 01389 850245 • Fax: 01389 850513 email: scotts@inchmurrin-lochlomond.com • www.inchmurrin-lochlomond.com

Business Mentoring Scotland is a partnership between Scottish Enterprise and Scottish Chambers of Commerce



Scottish Chimneys and Stoves

9177_BM A3 dps Advert for SC Directory_July 2010_Renfrewshire.indd 1

02/08/2010 15:13

Chimneys swept & tested Chimney relining & repair Multifuel stove installation Chimneyhead rebuild & removal Pots & cowls fitted scottishchimneys@yahoo.co.uk

Tel: 01389 380571 Mob: 07833 668200 All areas covered – Domestic & Commercial

Trophy Cent re


• Gifts

• Engraving

• Crystal

• Signs & Awards

• Commercial & Trade Engraving

21 Maitland Street, Helensburgh G84 7PD Tel/Fax 01436 672974

www.helensburghtrophycentre.co.uk E-mail: info@helensburghtrophycentre.co.uk


• GRP Repair Specialists • Osmosis Treatment • Insurance Damage QUALITY WORK CARRIED OUT BY EXPERIENCED TECHNICIANS Kip Marina, Inverkip, PA16 0AS Mobile: 07713 682 548 Contact no. at Mast and Rigging Services Tel: 01475 522 700 Fax: 01475 552 800

A S ASB B AS A B AS Airdrie Savings Bank

Business Banking in Lanarkshire Come into any of our branches to talk about your business requirements.

Alternatively, call us directly on 01236 766851.

Business accounts are subject to status and can be opened on day of appointment upon receipt of suitable identification and documentation

Branches in Airdrie, Coatbridge, Bellshill, Shotts, Muirhead, Baillieston, Motherwell and Falkirk

Trust us to make Business Banking easy Airdrie Savings Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We subscribe to the Lending Code and are licensed under the Consumer Credit Act by the Office of Fair Trading. Our Head Office is 56 Stirling Street, Airdrie ML6 0AW. www.airdriesavingsbank.com


CARDROSS Golf Club is an ideal place for networking and socialising with its unsurpassed views over the Firth of Clyde. It has 800 members – many of whom are in key decision making positions in local businesses – and its parkland course is the perfect environment for developing your contacts as well as your golf skills.

are closed, thanks to a significant investment in the club’s drainage system. Cardross Golf Club, Cardross, Dumbarton, G82 5LB T: 01389 841754 – contact Graham Mill, club secretary E: golf@cardross.com W: www.cardross.com

Photo courtesy of Cardross Golf Club.

Within easy reach of Glasgow and the West of Scotland, the club is ideally placed for corporate days out. It also offers corporate sponsorship packages which come with a number of unique benefits enabling you to put your business on the golf map. It is great value for money too as it is playable all year round when many others in the area

Cheaper Car Insurance Ltd

CHEAPER Car Insurance Ltd does what it says on the tin!

Within an hour they’ll call you back with the best quote the entire market has to offer.

The Dumbarton-based company has been in business for 11 years and is expert at saving its customers money on their car and home insurance year after year.

Commercial insurances also available including buy to let, shop, tradesman, van and liability cover.

No need to feel confused or spend time and effort comparing the market as Cheaper Car Insurance does the hard work for you. Its insurance conversion rate is a whopping 50 per cent – that’s five times more than the industry standard so clearly it is getting it right.

Cheaper Car Insurance Ltd, 4 Burnside Terrace, Dumbarton, G82 1DL. T: 01389 604060 E: alex@cheaperinsurancedirect.com W: www.cheaperinsurancedirect.com

Its advisers take just a few minutes of your time to get to know you and your needs.

Photo courtesy of Eolach Consulting.

Eolach Consulting


EOLACH Consulting is an intellectual property and data protection consultancy run by Marion Menzies, a qualified lawyer with more than 20 years’ experience in private practice and in industry. It provides practical, comprehensive, professional advice and training for businesses on how to use their ‘knowledge’ effectively and get maximum value from it. It has never been more important than it is now to identify, protect, exploit and manage your intellectual property which includes know-how, ideas, brands and patents or to manage your personal data securely in


line with the Data Protection Act and related legislation. Eolach Consulting recognises that all businesses are different with different needs and requirements. It tailors its expertise so that it is flexible and responsive and provides clarity upfront on what it can deliver at competitive rates. Eolach Consulting T: 07554 015818 E: marion@eolachconsulting.co.uk W: www.eolachconsulting.co.uk

Haines Watts

HAINES Watts is a Top 20 firm of chartered accountants with a strong professional track record and a range of experts who can deal with all aspects of business and personal finance. The firm provides services to owner-managed businesses across a wide range of sectors, including manufacturing, information technology, service-related industries, professional and B2B companies, charities and housing associations.

With more than 50 offices around the UK, it also offers a range of specialist services including corporate and personal tax, corporate finance, forensic accounting and business recovery. The Glasgow office contact is Mark McRae, business services director. Haines Watts, 233 St Vincent Street, Glasgow, G2 5QY. T: 0141 227 4700 E: mmcrae@hwca.com W: www.hwca.com

Haines Watts supports more than 35,000 UK businesses and is run by partners who, as business owners themselves, understand the day-to-day challenges you face.

Nick Allan Associates Ltd

NICK Allan Associates Ltd is a property consultancy which deals with every aspect of estates and property management across the private, public and third sector. Managing director, Nick Allan, is an experienced practitioner who can provide a wide range of both general and specialised advice and support for all types of property.

Photo courtesy of Nick Allan.

He is well known for his contribution to the development of strategic asset management practice and procurement across the Scottish property landscape. The business offers a complete range of professional services including surveys, valuations, development appraisals, portfolio

Westfield Health

ESTABLISHED in 1919, Westfield Health is one of the UK’s most successful and secure not-forprofit health insurers. With almost 40 per cent market share,* Westfield Health is the largest provider of corporate-paid health cash plans. Its wide range of award-winning health plans offer reimbursement for everyday healthcare costs such as dental, optical and physiotherapy. In 2012, Westfield broke new ground with the launch of its Hospital Treatment Insurance, a pioneering product which offers prompt access to private surgical and medical procedures. Westfield Health continually strives for excellence. Its commitment to delivering the best products along with first class customer

reviews, and sustainability profiling, together with utilisation and capacity audits. In addition, it can also support town centre reviews and all manner of wider community economic regeneration and partnership schemes both at a strategic and practical level. Nick prides himself on his friendly, professional and innovative approach to all property matters. Nick Allan Associates Ltd T: 07768 511804 E: nick@nickallanassociates.co.uk

service is demonstrated by its national award successes. Westfield’s service has been rated ‘world class’ by the Institute of Customer Service and has also achieved ServiceMark accreditation. Westfield Health, 87 Division Street, Sheffield, S1 1HT. T: 0114 250 2000 E: enquiries@westfieldhealth.com W: www.westfieldhealth.com @WestfieldHealth *Westfield estimate based upon figures from Laing & Buisson, Health Cover UK Market Report 2012.



Advice and Support for your Business in West Dunbartonshire Business Gateway is a national programme of advice, support and training for businesses at all stages of their development. It is managed and delivered through Scotland’s local authorities.

Clydebank t: 0141 435 7560 e:info@bgwestdun.co.uk

Dumbarton & Alexandria t: 01389 717001 www.bgwestdun.co.uk

We can offer.... • A comprehensive package of support to start up and • develop your business • Extensive 1-1 advice from experienced advisers • for growing businesses • Regular Training workshops in your local area • Networking opportunities • Referrals to partner organisations across Scotland • Direct links to West Dunbartonshire Council discretionary support • and funding initiatives. For more information please contact the • West Dunbartonshire Council Business Support Team on:• 01389 737777 or go to www.west-dunbarton.gov.uk/business-and-trade

Profile for dtech

InCommerce Dunbartonshire Issue 19  

The Dunbartonshire Chamber of Commerce Business Magazine

InCommerce Dunbartonshire Issue 19  

The Dunbartonshire Chamber of Commerce Business Magazine