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MAY 2014
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www.businesscard-directory.co.uk
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
Welcome A very warm welcome to the May 2014 edition of the Rayleigh Local Business Guide. Spring is finally here and we can finally get outdoors for some fresh air. Our feature on Family Friendly Walks on page 4 will give you some good ideas of where to go. We also have our regular ‘What’s on in Rayleigh’ on page 16 where we feature a free Antiques Valuation Day, a concert hosted by the Gaudeamus Choir, a Dog Show and a Canvey Island Wildlife Day. In our regular local community feature on the Acres Way Kennels, based in Castle Point, (pages 10 & 11), we are thrilled to announce that 3 of the dogs featured last time, Amy the Lurcher Cross Staff, Fifi the Staff and Dinky the cross breed have been successfully re-homed. We also have 3 new lovely dogs that need your help! In our Community feature this month we introduce you to Rayleigh Brass (page 20). The local band has been performing in concert and at charity events for almost 100 years. We also have our regular column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (see centre pages).
Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION CARPETS / FLOORING
5, 21
CLADDING
2
DRIVEWAY CLEANING
8, 19
ELECTRICIAN
8
KITCHENS
3, 18
PLUMBING & HEATING
8, 26
WINDOWS 24 FINANCIAL, LEGAL & PROPERTY SERVICES ESTATE AGENCY
Back Page
If you have any interesting stories about Rayleigh or if you are a local team, association or charity that would like to be featured in any future editions of the Local Business Guide then please drop us a line at: info@ thelocalbusinessguide.co.uk
FINANCIAL ADVISER HOUSEHOLD & LIFESTYLE BUSINESS CARD DIRECTORY
25
If you would like to advertise in any of our Guides please contact Ricky on 01375 402546 and with prices starting from as little as £45 it is a really cost effective way of promoting and generating business from your local community.
CAR FLEET MANAGEMENT
7
CAR REPAIRS
2
COUNTRY PARK
23
Also, check out our website www.businesscard-directory.co.uk to get information, contact and location details of many local businesses.
DOMESTIC APPLIANCE SALES & REPAIRS
13
GOLF & COUNTRY CLUB
Inside Front
The Rayleigh Local Business Guide
HOTEL
Inside Back
Publisher
Centre Pages
CAR SALES
6
MOBILE PHONE REPAIRS
27
PICTURE FRAMING
9
Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk
PHOTOGRAPHER
19
SPORTS & SOCIAL CLUB
17
Sales - Ricky Edwards
HEALTH & BEAUTY
01375 402546
SPINAL CARE CLINIC
Front Cover
WATER SUPPLIES
9
WEIGHT LOSS
8
The Local Business Guide do not make any recommendations as to the fitness of the advertisers appearing in this publication to carry our their services and no recommendations should be deemed to have been made. All rights reserved. No part of The Local Business Guide Limited publications may be reproduced or used in any form or by any means either wholly or in part without prior permission of the publisher. This magazine is published by The Local Business Guide Ltd © The Local Business Guide 2013
www.thelocalbusinessguide.co.uk
1
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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www.thelocalbusinessguide.co.uk
3
Family Walks in Essex Finally Spring has arrived and we can start spending more time in the great outdoors. Here is our pick of some of the best walks in Essex that are suitable for families. Great Notley Country Park boasts 100 acres with views across open farmland and a link to over 15 miles of walking and cycling paths. The site offers many facilities including a sensory trail, endless play equipment, cycle hire centre, fishing, a visitor centre and bistro. A great day out for the whole family. For more details visit www.visitparks.co.uk/places/great-notley-country-park Thorndon Country Park North in Brentwood is a beautiful woodland area filled with bluebells and other spring flowers at this time of year. Children of all ages will enjoy an adventurous walk through the deep dark woods to hunt for the Gruffalo along with all the other characters from the classic tale from Julia Donaldson. If you call into the visitor centre you can pick up an activity map for 50p For full details visit www.brentwood.gov.uk
In the village of Castle Hedingham not only can you explore the magnificent castle but you can walk round the beautiful daffodil and bluebell-filled grounds. The 900 year old Norman keep of Hedingham Castle stands in 160 acres of landscaped gardens and woodland. There are lots of events that take place here, from jousting tournaments to wedding fairs. For more details visit www. hedinghamcastle.co.uk Belfairs Park and Nature Reserve in Leigh-onSea is a great family day out with ancient trees, birdwatching and butterflies.The Belfair’s Woodland Centre is open daily from 9am until 5pm and provides a space for schools, groups and families to learn about south Essex’s fantastic ancient woodlands in an interactive way. For more information visit www.essexwt.org.uk/reserves/belfairs 4
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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6
to advertise in the next issue of The Local Business Guide call: 01375 402 546
Corporate
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BEFORE
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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We are a family run business with over 30 years experience close to the Rayleigh Weir, giving excellent advice, choice and service. Telephone 01268 775778 e-mail framing@phoenixframes.co.uk
Opening Hours
Monday to Friday 10am - 5pm Thursday till 6.30pm First Saturday of the Month Out of hours by prior arrangement
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We specialise in bespoke framing with over 600 different mouldings, using modern and traditional techniques depending on your requirements. LARGE FREE CAR PARK
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9
Working for the Community
Can you help Re-Home a Dog from Acres Way Kennels? Adopting a Dog
I
f you think you can offer a dog a good home, the first thing you need to do is to go down to the kennels, select a suitable dog you like, take it for a walk and see how you get on. Some people and dogs just don’t get along, so before reserving a dog, the Acres Way staff would need to see if you suit each other. If you have children, or another dog, they recommend that you bring them with you, to make sure that everyone will get on. Once you have visited the dogs, and hopefully found one that matches your lifestyle and expectations, a member of staff will arrange a convenient time for a home check. These are usually carried out within 2
or 3 days of your visit and take about half an hour. Once the home check is complete, you’ll be able to collect your dog. You will need to bring with you some identification showing your current address, and the £130 adoption fee. Their staff will be on hand if you have any questions, and will be able to guide you through the adoption process. All the staff and dogs at Acres Way look forward to seeing you Re-Homing Update We’re pleased to advise you that Amy the 4 year old Lurcher Cross Staff, Fifi the 2 year old Staff and Dinky the 2 year old cross breed that we featured in our last issue have been successfully re-homed. They are all settling in well and are happy in their new homes.
This month’s featured dogs Dizzy - Lurcher Cross
Female / Age 3 - 4
Good with other dogs: Yes Good with children: Unknown Additional information: Very friendly dog. Can be a little nervous when first meets you
10
to advertise in the next issue of The Local Business Guide call: 01375 402 546
Blaze - Husky
Male / Age 8 months
ď ˝
Good with other dogs: Yes but couldn’t live with Good with children: Teenagers Additional Information: Will need some training, does mouth when excited
Roxy - Mastiff q Female / Age 4
Good with other dogs: She will need a meet and greet as she is very picky about who she likes Good with children: 10 plus Additional Information: Would be best with an experienced owner
How to contact them Acres Way Kennels, Great Burches Road Thundersley, Essex SS7 3NE They are open 10am-3pm 7 days a week. Visitors are welcome at any time during these hours - no appointment is necessary.
By email: contact@acresway.co.uk By phone: 01268 770402
www.thelocalbusinessguide.co.uk
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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13
Money Guidance
A
nti Pension? I am sure many people are as the media have had very little of any good to say about the subject for a decade or more. Well times have changed- the Budget has dramatically shaken up the world of pensions- and for the better. Although the new rules are not finalised and will not be effective until April 2015, they will deal with the most common objections relating to pensions. The most frequent objection I hear is ‘my pension will die with me’, the second is ‘ At current annuity rates I will have to live for 20 years just to get my own money back’. Traditionally most people have accessed their pension funds by buying an Annuity at retirement. In doing so you effectively swap your fund for the promise of a guaranteed lifetime income. This income is loosely linked to interest rates and life expectancy, and as rates are at historical lows, and life expectancy has increased, the pension will need to be paid for longer. As such Annuity rates have been at all-time lows, and indeed it would take twenty years or more for many of us to see the value of our pension returned as income. Whilst there have always been annuity options available to pass your Annuity onto your wife , and in some limited cases, other beneficiaries, these are not always selected as they reduce the Annuity rate even further. It goes without saying that Annuities have therefore become very poor value over recent years – but it has always been an HMRC requirement that you HAD to use your pension fund to buy an Annuity or alternative form of income plan at retirement. The budget has effectively thrown this requirement away- from April 2015 you will be able to draw as little or as much money from your pension plan, as and when you need it from the age of 55. If you want to draw down higher amounts over fewer years to enjoy it whilst you are still fit and young enough to then that will be your choice. You can also limit the amount of interest accruing by setting your Lifetime Mortgage up as a facility, drawing down portions of the agreed loan only as you need them. An example may be that you could borrow £50,000 but only draw down £15,000 to improve your home, you will only be charged interest on the £15,000 with a further £35,000 in reserve to draw down at some point in the future.You retain the right to live in your property and the products we recommend mean that you can never owe more than the property value. Any fund left on your death can be transferred to your spouse, and any left on their death can be transferred to your family, albeit it is then subject to a tax charge which is currently under review. Irrespective of the charge it is better to leave your family a taxed fund than no fund at all!
14
I have seen many newspaper articles encouraging people to draw down their entire pension fund, or to take it out and move it to a ‘cheaper’ investment plan. Beware- very few of these articles mentioned that income tax will be payable on withdrawals. If you were to access your whole fund, on top of any other income, you could be paying 45% income tax! It makes no sense to move it out of the pension, pay tax , and then go and put the capital in a taxable investment- please consider any such ideas very carefully- and seek advice before doing anything! So if you have control over the level of income in retirement, and your fund can be left for others – why wouldn’t we all put our money into pensions? This still needs consideration for Basic Rate tax payers as investing in ISAs may not give you the benefit of tax relief on the contributions, but income can be taken from ISAs in the future without income tax and you can access it whenever you like. Pensions cannot be accessed until 55. If your employer is paying in as well as yourself ten that clearly tips the balance towards pensions, and non-tax payers (housewives and children) can have £3600 pa paid into pensions and still get the tax relief! If you are paying higher rate tax then pension funding is now a ‘must do’. The tax reliefs granted boost your pension fund from outset at levels that simply cannot be obtained from any other form of investment, other than high risk specialist investment tax shelter schemes. Joseph Lamb are the area’s leading point of retirement specialists. We help hundreds of people plan and manage their retirement every year and have been successfully managing ‘ Income Drawdown’ accounts for nearly two decades. Advice will be needed to determine the most suitable plans and underlying investments , and to help manage a sustainable income from your pension plans. If you are retiring soon we would be happy to assist you, and if you are still years away from retiring- start saving now! There has never been a more favourable environment to encourage you to save for retirement- and believe me- 55 will be upon you before you know it! Martin Lamb, Dip.PFS Certs CII (MP & ER) This article is not intended to provide advice, nor does it imply that ant Equity Release service or product is suitable for you. Always seek independent legal and financial advice and check carefully the terms and conditions of any product if you want your family or others to inherit the full value of your home. Lifetime Mortgages are secured against the value of your home, Home Reversions involve an actual sale of part of the value of your home.
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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15
What’s On In Rayleigh Free Antique Valuation Day Tuesday 13th May 2014 Starts: 10.00am Ends: 4.00pm Essex Auction Rooms 37 Websters Way Rayleigh Essex SS6 8JQ Bring your antiques, jewellery & collectables. If you are unable to make these dates, or have a large consignment, please call 01268 777122 for a free appointment or free home visit. For more information visit www.staceyauction.com
Music From Vienna - Concert Saturday 17th May 2014 Starts: 7.30pm Holy Trinity Church, Hockley Road, Rayleigh, SS6 8BB A concert of music by composers who lived and worked in Vienna, including Mozart, Schubert, Beethoven, Brahms and of course Johann Strauss. Performed by Gaudeamus Choir.
Essex Wildlife Trust Dog Show Sunday 18th May 2014 Starts: 12.00pm Ends: 4.00pm Belfairs Park, Eastwood Road North, Leigh on Sea, Essex, SS9 4LR A fun afternoon to help support Essex Wildlife Trust. Registration from 12pm. Dog show will start at 1pm. Donation £1 per class. (All dogs must be over 6 months) There will be rosettes for the top 6 dogs in each class. Refreshments, stalls, face painting, bouncy castle, raffle, children’s activities and lots more.
Canvey Island Wildlife Day Saturday 31st May 2014 Starts 11.00am Ends: 4.00pm RSPB West Canvey Marsh, Canvey Road, Canvey Island SS8 0QD Enjoy guided walks, pond dipping, bug hunting and much more! Local wildlife, conservation, community, craft stalls. Limited car parking, refreshments available.Free Entry. For more details call 01268 683971. Website: www.canveyisland-tc.gov.uk 16
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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17
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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19
Working for the Community
Rayleigh Brass Band R
ayleigh has had its own brass band for almost 100 years and has undergone many name changes. These have included the Rayleigh Mission Band, Rayleigh Brass Band, Rayleigh Town Band, and Rayleigh and District Silver Band. The name “Rayleigh Brass” was adopted in the early 1980s. Today’s group of players are enthusiastic amateur musicians who are able to put on a first class concert performance, as well as provide music for a variety of functions including school fêtes, garden parties and civic occasions. The band has had an eventful history. In the early 1920s the band performed regularly on summer evenings in Rayleigh High Street retreating to the local hostelries in the winter months. The players were accompanied by a local character known as Singer Nash, who would make a couple of musical offerings to the patrons, and pass a hat round to swell the band coffers. At this time the band rehearsed at Charlie Smith’s builders shed in Bull Lane and the proprietor was permitted to sit in with the bandsmen and play his clarinet.
Uniforms were acquired around this time, purchased second hand from Thurrock Band. These were replaced in 1934 by new, made to measure garments. With the outbreak of the Second World War the band folded, but re-formed as a casual group shortly afterwards. The band flourished until the early 1950s when financial problems forced the organisation to be disbanded again. Nearly a decade passed before the band’s history continued. In June 1961 a meeting of the Urban District Council of Rayleigh was held where the re-forming the Rayleigh Town Band was agreed. Rayleigh Brass acknowledges its role in the community, and has raised funds in the past for BBC Children in Need and local hospitals, and is always willing to consider appearing at charity fund-raising events. They have also introduced a training band where anyone (not just youngsters) can pick up a brass instrument and experience playing in a brass band. You can find out more information about Rayleigh Brass on their website www.rayleighbrass.com
20
to advertise in the next issue of The Local Business Guide call: 01375 402 546
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www.thelocalbusinessguide.co.uk
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to advertise in the next issue of The Local Business Guide call: 01375 402 546
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E-Mail : info@castlepointgas.co.uk Web:www.castlepointgasandelectric.co.uk 26
to advertise in the next issue of The Local Business Guide call: 01375 402 546
EMERGENCY MOBILE PHONE REPAIRS fixed at your home Call for a free over the phone quote Keep this number safe at home then give us a call when you break your phone!
07770 722620
Useful Phone Numbers Emergency Services
Police, Fire, Ambulance Essex Police - non-emergency Crimestoppers Rayleigh Police Station Rayleigh Neighbourhood Policing Team
999 101 0800 555111 0300 3334444 07813 953703
24hr A&E - Basildon Broomfield, Chelmsford Southend
01268 524900 01245 443673 01702 435555
NHS Direct confidential health advice Rayleigh Clinic
0845 4647 01268 366600
Hospitals
Health
Councils
Essex County Council 0845 7585592 Rochford District Council 01702 546366 MP - Rayleigh & Wickford- Mark Francois 01268 742044
Out of Hours Emergencies Recycling/Refuge/Household Collections Environmental Health/Pest Control Tree Preservation Orders/Woodland/Parks Planning/Building Control Cemetries/Land Charges Housing/Homelessness Parking/Roads & Transport Housing Benefit Council Tax Benefit Animal Welfare Business Rates Rayleigh Library
01268 527317 01702 318111 01702 318111 01702 318111 01702 318191 01702 318191 01702 318191 01702 318166 01702 318197 01702 318198 01702 318057 01702 318017 01702 775830
Emergency Utilities
Electricity - UK Power 0800 7838838 Gas - National Gas Emergency Service 0800 111999 Anglian Water Services 0845 7145145 Essex & Suffolk Water www.thelocalbusinessguide.co.uk 0845 7820999
27
TO ADVERTISE IN ANY OF OUR LOCAL BUSINESS GUIDES
Rayleigh
Castle Point
Southend & Rochford FREE
Call Ricky: 01375 402546 Mobile: 07969 211229
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The Rochford Hotel is the perfect place to hold your wedding, private party or special occasion. At The Rochford Hotel we endeavour to make every event special and unique. With our experience in entertaining, you can be confident that everything will be organised professionally and with a detailed touch. Let us make your day relaxed, happy and memorable.
22 Ensuite Bedrooms Private Functions FREE WIFI Internet Access Conferences & Meetings Weddings Banqueting
B R A D L E Y W AY, R O C H F O R D , E S S E X S S 4 1 B U
TELEPHONE: 01702 544393 E m a i l : we d d i n g s @ t h e ro c h fo rd h o t e l. c o. u k w w w. t h e r o c h f o r d h o t e l . c o . u k / w e d d i n g s
Off to pastures new?
No two people move for exactly the same reason, no two moves are identical. So as well as using the experience of more than 20 years in agency, we come to every move with fresh ears, listening carefully to what makes you and your plans different. Because it’s only by treating all of our customers as individuals that we get the right result for them. For more information, call us on: Sales: 01268 782 323 Lettings: 01268 772 917 Or visit haart.co.uk
30
RAYLEIGH
19 Eastwood Road, Rayleigh, Essex SS6 7JD
to advertise in the next issue of The Local Business Guide call: 01375 402 546