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INCORPORATING THE BYSTANDER MAGAZINE

THE

ECHO

Summer 2016 Issue 16

BRAINTREE EDITION

Connecting local businesses and the community together To advertise in The Braintree Echo call 01279 305658

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F OF OU 0 £1 N Y IS E H NT WH OW T EME SH RTIS VE AD

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01376 395016

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THE

ECHO

echomagazines @echomagazines

BRAINTREE EDITION

ECHO STATS

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homes and businesses delivered to each month, covering Great Notley, Black Notley, Great Leighs & Braintree in part

60

square miles covered by our dedicated delivery team For more information on this or future issues call 01279 305658

GET IN TOUCH NOW!

blications The Echo Pu es, Unit B Offic Bridgeworks, ford, rt to Bishops S Hall Green, 7RP Herts, CM22

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Welcome to the February Braintree Echo Here in the Echo offices we have been very busy not only getting this exciting issue ready for you, but also making some changes and improvements to your magazine. As always though we would love to here from you if there is a story you’d like us to report on or a local event you’d like us to cover, after all this is YOUR magazine and we are always ready to listen to our readers. So back to this issue and it is jam packed! We have teamed up with a number of local specialists to bring you some great articles.We have been working with Gavin from Whitechurch Financial Consultants to bring you a really informative piece on the values of actually seeking financial advice. Do you suffer from anxiety and are not really sure what to do next? Don’t worry or stress turn to page 10 and follow Dean’s amazing advice - this month is anxiety part one and we will be covering different topics in the coming issues. Get festival ready with Asti from Martini’s festival season is here article - don’t forget to take advantage of her offer on page 17!! We hope that you enjoy this issue!

Emma, ul Andy & Pa


All of our magazines are viewable online at: www.leaflets-direct.com/magazines

INSIDE 07 WHAT IS CORIAN®? Find out the features and benefits of upgrading to Corian® worktops.

07 SUDUKO Try you hand at this brainteaser, good luck!!

16 07

08 THE VALUE OF FINANCIAL ADVICE Our local expert, Gavin helps make sure your hard earned money ends up where it supposed to go. 10 ANXIETY: PART ONE Dean Andrews discusses the horrors of anxiety and how to manage it, keep reading each month for more... 15 BEER OF THE MONTH Take a look and try our Beer of the Month (available at the Angel) 18 WEEKS SUMMER HOLIDAY: SURVIVAL TIPS FOR PARENTS Avoid boredom and tantrums with our survival tips for parents (and grandparents) this summer holiday. 22 THE ANSWERS No peeking before hand!!

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DON’T MISS Summer Madness! Print prices slashed for all Echo readers. Just quote ECHO-3 when enquiring!!

Festival Season is Here

17 5


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Blue/Blue Sky


AT IS

WH

IAN COR

Corian® is the original solid surface material. Created to last a lifetime, it is a unique blend of minerals and acrylic which creates a stone-hard surface that can be shaped to meet any design or dimension. Corian® is an advanced composite of natural minerals and pure acrylic polymer and is backed by DuPont™ with a 10 year Limited Installed Warranty. Features & Benefits of Corian® Non-Porous Feature: Its non-porous surface prevents dirt and stains from penetrating the material. Benefit: Marks and stains stay on the surface and can easily be removed with a Scotchbrite® pad and household cleaner.

Corian Kitchen Worktops ®

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Creative Corian

®

Suduko Brain Teaser

Exceptionally Resistant to High Temperatures Feature: Even cigarette burns or marks left by boiling hot pans are only superficial and can be quickly removed in Corian® kitchens. Benefit: heavy stains and scratches can be erased without a trace simply by rubbing with household cleaner. Just a little effort will soon return the surface of Corian® to mint condition. With Thanks to Marvin Barton (Creative Corian®)

Good Luck! The answers can be found on page 22.

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7


The Value of Financial Advice: Keeping it in the Family Gavin Johnson FPFS, CFPTM Chartered MCSI & Certified Financial Planner

The Freedom and Choice1 changes to Pensions legislation have opened up many opportunities for financial planning using pensions. On the other hand the reduction in the Lifetime Allowance2 means that some people will face the prospect of exceeding the allowance – even if the current value of their pension is below the threshold – and therefore become ineligible for any protection. However, it is possible to address this problem whilst at the same time providing a financial “leg-up” to other family members. The solution is available in the form of a Family SIPP. A Self Invested Personal Pension, or SIPP, is a pension plan that allows a wider range of investments and greater flexibility than a personal pension or stakeholder arrangement. A Family SIPP is a means of pooling investment and allocating the investment growth achieved on to funds that haven’t been accessed by the lead family member. Here’s an illustration of how this could work: Jack – A Company Director Jack is 51 years old and has a pension fund valued at £650,000. Jack is still investing healthy contributions into his pension and wishes to continue to do so, as he is a company director and he wishes to enable his company to continue to benefit from corporation tax relief on the contributions. However Jack is now projected to exceed the Lifetime Allowance (LTA) at retirement if the contributions continue. This leaves him with the choice of stopping the contributions, which would mean the business becomes unable to extract profits for Jack and benefit from the tax relief. Alternatively, Jack’s business could continue contributions meaning that Jack would exceed the LTA, which would result in a considerable tax bill for him. A Solution Setting up a Family SIPP and using the inbuilt ability to allocate investment growth can mitigate the issue. This means that Jack can pass the growth on the fund value, of £650,000, to his wife Jill who is not employed and whose only pension provision is a small personal pension fund from a past employer. 8

The Outcome Using the Family SIPP means that Jack’s pension will now only grow by the contribution his company makes and any growth will be passed to Jill. This means Jack’s company can continue to contribute so he can extract profit from the business which can claim corporation tax relief on the contributions but Jack won’t breach the Lifetime Allowance and end up with a large tax bill. Furthermore Jill has a second Lifetime Allowance that can be utilised to build a pension fund in her name. When they both retire there will be two personal allowances to take advantage of, plus two Basic Rate Tax bands, resulting in a more tax efficient income stream in retirement. This article provides information of a general nature and does not constitute personal advice. This type of investment is not suitable for everyone and you should take financial advice before entering into any obligation, which you are uncertain of, to ensure suitability. Levels of, and reliefs from taxation are subject to change and values depend on individual circumstances.You should also be aware that investment returns cannot be guaranteed and you may not get back the full amount you invested.

Gavin Johnson is a Chartered Financial Planner at Whitechurch Financial Consultants The next edition of The Value of Financial Advice will feature Lifestyle Financial Planning – looking at status, goals and solutions to manage your wealth and lifestyle. 1. Visit www.pensionsadvisoryservice.org.uk for more information on Freedom and Choice. 2. Visit www.gov.uk/tax-on-your-private-pension for more information on Lifetime Allowance.

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YOUR FINANCIAL JOURNEY Are you serious about…

You might want to consider… Chartered financial advisers who deliver comprehensive wealth management services, built on individually tailored financial planning advice.

For the technical expertise… Personal finance advisory services which include cash flow and tax planning (including Inheritance Tax & Capital Gains Tax), investments, pensions, retirement, protection and life assurance.

And the personal approach… • Working closely with you to understand priorities and goals • Looking at the bigger picture – for you and those you care about • Advising you on complex financial affairs and supporting you with straightforward services.

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improving your standard of living? enhancing your wealth? creating a secure long term financial future?

Your starting point… Take up the offer of a NO-OBLIGATION and FREE FINANCIAL HEALTH CHECK – to help you make informed decisions about your finances – from Whitechurch Financial Consultants, providers of Comprehensive Wealth Management since 1982.

Find out how we can help you manage your financial future Contact us and quote ECHO for your Free Financial Health Check: Call: 01245 283 594 Email: chelmsford@whitechurch.co.uk

Chartered Financial Planners Whitechurch Financial Consultants offers restricted financial advice and is a division of Whitechurch Securities Limited which is authorised and regulated by the Financial Conduct Authority. Financial Service Register No: 114318. Registered in England & Wales no: 1576951. The Old Chapel, 14 Fairview Drive, Bristol BS6 6PH. To advertise in The Braintree Echo call 01279 305658 WFC Echo Advert Final.indd 1

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ANXIETY: PART ONE Anxiety is something every person experiences at some point in her or his life. Many things can make us feel anxious.You may be worried about a certain outcome or feel you need to behave in a certain way; for example, a student might dread an exam, you might find it difficult to be in any social situation or you might worry about what the future holds for you. Most of us can manage anxiety to the extent that it doesn’t interfere too much in our day-to-day lives. But for some people, it can be a major problem.You can become so anxious that you can’t even leave the house or you feel physically ill.You might experience panic attacks and have difficulty breathing, or maybe you can’t sleep. Anxiety can be a response to an outside force but we can also develop a habit of convincing ourselves that the worst will always happen.

Many things can cause severe anxiety, including a traumatic event, bullying or abuse, drug or alcohol dependency or even having seen a parent feeling anxious when you were a child. If some of this sounds familiar, it may be helpful to seek advice or take steps to alleviate those feelings of anxiety. It could be as simple as learning simple breathing techniques or developing different cognitive strategies. If the problem feels more deep-rooted, talking to your GP or considering counselling might be a better way forward. In my next column I will discuss existential anxiety, which refers to a sense of worry or dread brought about by contemplating some of life’s biggest questions, such as “Who am I?” or “What is the meaning of my life?”. deanandrewstherapy@gmail.com

Are things happening in your life or relationship that make no sense or are making it difficult to cope? It’s at times like these that it can be helpful to talk to someone

Dean Andrews

PgDip ADEP UKCP

Psychotherapy & Counselling deanandrewstherapy@gmail.com www.deanandrewstherapy.co.uk

07531 072 664

Located in Braintree town centre Individuals and couples 10

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17/06/2016 12:44


Calmer Life Therapies ‘Time to Unwind & Relax’

Calmer Life Therapies specialises in Holistic therapies. We are fully qualified and insured, we offer ladies only appointments. We can also visit you at home or at your office. The services we offer include: • Reiki • Hopi Ear Candling • Swedish Massage

• Reflexology • Indian Head Massage • Ayurvedic Face Lift Massage

For more information call Veronica on:

07837 365896 Summer Wordsearch E

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INHERITANCE TAX: AN INTRODUCTION I am often asked if I can provide a ‘client-friendly’ introduction to inheritance tax.

For most people, the lifetime gifts provisions are not enough and a substantial potential tax liability could remain.

Inheritance tax (IHT) is a little-known but far-reaching tax. To help you ascertain if it could be a problem for you, here is a brief introduction to IHT:

For example, if a married couple have a house, possessions and investments worth £850,000 their potential IHT bill is £80,000.

What is IHT? IHT is, broadly, a tax levied on any gifts or legacies an individual makes, directly or indirectly, to other people.

For a single or divorced person, it will be a staggering £210,000.

It is most commonly paid when they die, but it can also apply in respect of certain transfers of assets during life. It is a mistaken assumption that a person needs to be particularly wealthy to incur an inheritance tax liability. If the total value of all their possessions, less debts and liabilities, minus any available exemptions exceeds their nil rate band of £325,000 then anything over that amount is taxed at 40%. This figure applies if they are single or divorced. It can be increased to £650,000 in total for people who are widowed. Exemptions Certain lifetime gifts can be made that are exempt from inheritance tax.

But there are steps that can be taken to ensure the tax bill at the end of the day will be minimised. Examples of some of these steps are Will planning, Transferring the nil rate band, Spend it or give it away, Use of trusts, Life assurance. Further details This is only a brief introduction to inheritance tax, and changes are on the horizon but the important message is, don’t leave it too late to start planning and get professional advice. If you need help or advice with any of your Financial Planning along with the new pension freedom changes please contact me, Claire Blake. Mobile: 07767 308783 email: claire.blake@hoskinfinancial.co.uk website:www.claireblakeifa.co.uk With Thanks to Claire Blake of Hoskins Financial Planning.

Hoskins Financial Planning LTD is authorised and regulated by the Financial Conduct Authority no. 613005 12

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The Angel The Angel is a family orientated bar serving good quality food creating a local community spirit among the regulars, friendly atmosphere and great entertainment! FACILITIES LARGE CARPARK BEER GARDEN SKY SPORTS

BT SPORTS LARGE SCREEN GAMES ROOM

EVENTS CATERED FOR BIRTHDAYS CELEBRATIONS

FAMILY GATHERINGS WAKES

ORDER OUR DAILY SPECIALS A TASTE OF INDIA (AUTHENTIC INDIAN CUISINE)

A TASTE OF NEPAL (NEPALESE CUSINE)

REAL ALES • SELECTION OF LAGERS • CIDERS SPIRITS - DOUBLE UP FOR AN EXTRA £1.50

01376 343839 36 BRADFORD STREET, BOCKING, BRAINTREE, CM7 9AT


The Angel SAT 27th AUG MEXICAN NIGHT SAT 24th SEPT CARIBEAN NIGHT •

PIZZA NIGHTS INDIAN NIGHTS • LIVE MUSIC NIIGHTS SAT 10th SAT 15th QUIZ NIGHTS

With Thanks to The Angel

‘Timothy Taylor’s Boltmaker’ The Brewers’ Favourite. Named after one of our favourite local pubs, Boltmaker is a well-balanced bitter that was awarded Supreme Champion Beer of Britain in 2014. Boltmaker is a well-balanced, genuine Yorkshire Bitter, with a full measure of maltiness and hoppy aroma – Boltmaker is first choice for the discerning drinker – on both sides of the Pennines. Try a pint of Boltmaker with a hot roast beef and onion sandwich, the malty notes really complement the sweetness of fried onions. It works equally well with a Roast Beef lunch or sausage and mash, and it is surprisingly good at quenching the heat of a chilli con carne.

• POOL KNOCK OUT • DARTS COMPETION

01376 343839 To advertise in The Braintree Echo call 01279 305658

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an independent family run coffee house

Usethis thisadvert flyer to Use toget get 20% 20%off off Find us at 6 BANK STREET, BRAINTREE CM7 1UL Phone us

TEL:01376 01376 335 995 807 TEL: 807 MACSCOFFEEHOUSE

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out b A it B le t it L A Cool Beans Coffee House The idea for Cool Beans Coffee House was thought up a long time ago when we, (Ross and Rachel McMillan) lived in Bury St Edmunds and enjoyed the Coffee houses which were abundant in Bury's vibrant market town. After moving to Braintree in 2011 our ideas and ambitions continued to grow until in early 2015 we decided to take a leap and open our own coffee house in the town. After 7 weeks of renovating 6 Bank Street, we were ready to open our doors on 24th October 2015. Since opening, the business has evolved and grown with the help of experience, customer feedback and the ideas of the ever growing work force. The coffee we use at Cool Beans is supplied by Paddy and Scott’s who are based in Earl Soham near Ipswich. We sampled many different coffees before settling on the Paddy and Scotts classic espresso blend as it certainly came up trumps in taste tests and the fact it is a local coffee roaster is a massive bonus. With our new outside seating area and continued drive to supply fresh, local and high quality produce to new and existing customers, we hope Cool Beans is a great addition to Braintree town centre.

Victoria St

‘Take your copy of the Echo to Cool Beans to receive 20% off your order’ Find us at 6 BANK STREET, BRAINTREE CM7 1UL Phone us

TEL: 01376335 995 807 807 TEL: 01376

16 MACSCOFFEEHOUSE

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Written By Ross McMillan


PAMPER PARLOUR

Stay stunning all weekend with our Festival Package: HD BROWS SHELLAC FINGERS & TOES (With Nail Art) EXPRESS LASHES BRAIDED HAIR or UPDO

ONLY £95 SAVE £40!!! Call us on

01376 618055 Or pop in and see us:

Unit 2, Horn Mews Barn House Court CM7 1JP (down the little road next to Costa Coffee in the High Street)

Festival Season is Here ... We are all excited and looking good is top priority …You need to go for styles that will stay looking good while buzzing around, sleeping in tents etc. Braids are on trend again this year…think Game of Thrones.You can add ribbons and braiding threads to add a bit of colour and excitement. Braids still look great when they are messy so there’s no need to wash your hair, just rearrange them. Foundation should be minimum whilst in the sun to avoid clogged pores. We suggest a tinted moisturiser with a high SPF factor. Use concealer to cover any blemishes. Concentrate on your eyes, lashes and brows. HD brows frame your face and keep you looking fresh. Using a high definition eye primer will keep your eye shadow in place and last all day. A Caci eye lift will keep the bags at bay and a lip plump to enhance your pout see: www.cacibeauty.co.uk for more info Lashes are a must, this way you always wake up looking amazing, no smudged mascara! Flirty, sexy lashes will turn heads but keep them natural, keep them guessing. Strip lashes are a quick fix that need to be applied each day this can be difficult without mirrors so why not try individual lashes these will last up to 3 weeks and can be applied and designed just how you like them! Most important, is to use sun cream with at least SPF 30 and reapply regularly. This is not just to protect from burning, it’s to protect you from skin cancer. We need to be aware that is a rising concern. Another concern is ageing the longer we can keep this at bay the better. The sun is the number one cause of premature ageing. I know we all love to bake in the sun and this is still fine but just protect yourself and make sure to moisturise after. Your hair also needs protection and hydration. There are lots of products on the market especially for hair, but spraying on your body protection will do the same. A sun hat can always look cool but more importantly it helps protect from sun stroke. Hoping you have lots of fun but stay safe … With Love Asti x (Martini’s Pamper Parlour)

To advertise in The Braintree Echo call 01279 305658

17


vall urviviva Sur ay:: S iday olid Hol er H mer umm Sum ks S eeks Wee 66 W The summer holidays are fast approaching, and many parents will be tearing their hair out, with the thought of how to entertain, their little ones and the older ones too! The key to keeping everyone entertained is planning ahead and doing a bit of research beforehand. It’s important to have lazy day’s as well, days out can be both expensive and exhausting for all. In my experience as a parent, even the most simple of activities are often the best, such as a picnic in the local park, or simply having friends round for lunch in the garden, and playing ball games or investing in a large paddling pool, check out the tips below and start planning your summer break with your family, something for everyone’s tastes and needs. • Check out local schools for any clubs and sporting events that your children may wish to take part in, such as a tennis course or football tournament, most schools run these. • Local theatre groups also run courses and summer camp activities such as, putting on a short play or dancing show. • The local church also will list many things of interest too, for their parishioners such as, nature walks, arts and crafts classes and music sessions. • In your library they will also run several weeks of different events and days out.

Now once you have checked out all of the above and decide what is best for you and your children, start to plan your own days out such as, a trip to the seaside, which is of course a brilliant day out, a theme park (remember to use any money off vouchers you may have as an added bonus), if your budget allows you - a trip to London to see a famous landmark, or a show, again with this check the days they offer discount tickets. A museum - these are often free and really interesting and entertaining, my children loved all of these. Local to all of you readers is Lee Valley which is stunning and they offer many activities ranging from white water rafting to horse riding to short breaks away.

Of course much depends on our good old British weather, often unpredictable, we need a backup plan. Invest in a good arts and crafts box full of stuff to make: paints, sticks, glue, feathers etc. - kids never tire of being


s! nts! rent pare ndpa rand Gra &G ts & ents aren forr PPar ipss fo Tip T creative. Why not start a scrap book and fill it with what you are doing this summer. It’s a good idea to have movie days and invite their friends round, then swap one week for their house - bring out the popcorn and treats too - make a big thing about it. Put on a music DVD or invest in a dance one and let them make up their own choreography and put on a show for you, they will love this and get them to dress up too! Have baking days too, teaching your kids to cook is great fun for them and you too, it will also prove useful in the future. Obviously a trip to the swimming pool if they like the water is a great day, you can take a packed lunch and they often have events going on here too. Simple walks: blackberry picking, dog walking. local farms often invite you to strawberry pick which is great fun and tasty! There are lots of films showing in the summer, make a day of this, this one is always a favourite. Use this time to catch up with distant friends and family, time is precious and this is a good way to have quality time with people you miss. Have a PJ day if you wish, just lounge about and just catch up with doing nothing if that makes sense? I’m sure a lot of you will understand that! Life is so fast and frantic, just having quality time to wind down is just as important as being on

the go all the time. With no deadline to get out and do anything, its very nourishing and restful which is important and will bring benefit to you all.

One of the best things my children looked foward to was the trip into town to buy their new book bag or back pack and all of their pens and pencil case, they found this really exciting so make a day out of it - a nice lunch somewhere special and a bag full of goodies, they will rush home and lay it all out in their bedroom along with their new uniform, if they need it, in turn they will look forward to going back to school and meeting new and old friends. I hope this helps you all have an idea of how to keep a balance of keeping busy, happy, entertained, relaxed and creating memories to last for a long time to come. Wishing you all a summer of sun, fun, lazy days and crazy days... Enjoy!

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TAJ MAHAL

BRAINTREE’S PREMIER NEPALESE RESTAURANT

NEPALESE • INDIAN • BANGLADESHI FUSION DISHES

ORDER ONLINE NOW AT www.braintreetajmahal.co.uk

OPEN 7 DAYS A WEEK INCLUDING BANK HOLIDAYS SUNDAY (SPECIAL BUFFET) ONLY £12.95 PER PERSON

2.00PM - 9.30PM MONDAY - THURSDAY 12.00PM - 2.00PM & 5.30PM - 11.00PM FRIDAY & SATURDAY 12.00PM - 2.00PM & 5.30PM - 11.30

01376 617151 8b Cressing Road, Braintree, CM7 3PP


THE ECHO’S RESTAURANT REVIEW: TAJ MAHAL, BRAINTREE The Owner I met with Chandra, the wonderful lady who owns the Taj Mahal restaurant. She told me she has a long history working both as a chef and head chef in many prestigious restaurants. Born in Nepal she has created a menu that reflects this country’s unique cuisine with its Tibetan and Chinese influences. The Menu Because of Nepal’s unique geographical position between India, Bangladesh and Tibet (China) you shouldn’t be surprised to see dumplings and chow mein on the menu nestled among Nepalese dishes as well as the more traditional Indian fayre. The meal that I enjoyed there was beautifully cooked, delicious and offered a nice twist on what you normally expect from an Indian restaurant. My first dish called ‘Mo:Mo’ was steamed dumplings filled with chicken and spices which I really enjoyed. The main course

was a giant prawn dish called ‘Jhol’ made mainly with corriander and mustard and although it had a very striking green appearance it tasted out of this world. I also had a lovely lemon rice containing fresh herbs and lemon.

The Summary This restaurants key strength I found was the Nepalese cuisine which offered people a change from regular Indian choices but yet fully catered for the Indian traditionalists. Finally those that like Chinese food will have their taste buds treated too! The staff looked impressively smart in their traditonal costumes. The service was excellent, very polite and friendly. All in all a great restaurant for families and groups where all tastes can be catered for. I am now looking forward to my next visit and would highly recommend a visit to the Taj Mahal. Reviewed by Paul Battleday

To advertise in The Braintree Echo call 01279 305658

21


Puzzle Solutions Wordsearch

Suduko

Useful Numbers Doctors Great Notley Surgery St Lawrence Medical Practice Mount Chambers Blandford Medical Centre NHS Direct Patient Advice & Liason Service (West Essex)

01376 341411 01376 552474 01376 553415 01376 347100 111 0800 783 3396

Hospitals Braintree Comm. Hosp. Broomfield Hospital

01376 555900 0844 822 002

Vets Black Notley Vetinary Surgery Vets 4 Pets

01376 328038 01376 348934

General Local Police Quitline (Smoking) Acoholics Anonymous National Missing Persons National Rail Enquiries Samaratians National Domestic Violence Helpline Childline Parentline Uttlesford Citizens Adv. Gas Emergency Helpline AA Emerg. Breakdown RAC Emerg. Breakdown Electricity Locksmith NSPCC RSPCA

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Braintree Echo  

Braintree Edition Issue 16

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Braintree Edition Issue 16

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