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Rayleigh Castle Point Southend Westcliff

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31

Welcome A very warm welcome to the April 2017 edition of the Castle Point Local Business Guide.

As we head into Spring, why not spend a day at one of the many glorious historic buildings and gardens in Essex. On page 6 we feature four great days out for all of the family. We also have our regular ‘What’s On in Castle Point’ on page 16 where we feature the Benfleet Community Archive Annual Exhibition, a talk on Laurel and Hardy and the Westwood Art Group Spring Exhibition.

We have our regular community feature on the Acres Way Kennels, based in Castle Point on page 10. We are pleased to tell you that Molly the Terrier has been successfully re-homed. Unfortunately Ronnie the Chihuahua and Lenny the Staff Cross are still waiting for a new home, but I’m sure they’ll get placed very soon. This month we feature 3 new dogs that are looking for loving homes.

Within our Community section this month we are featuring the Castle Point Volunteer Awards 2017 (page 20). People across Castle Point are being asked to nominate those special individuals that they feel deserve recognition for their volunteering efforts and commitment, for going that extra mile and making a difference. The Castle Point Volunteer Awards are hosted annually by Castle Point Association of Voluntary Services (CAVS) and this year the event will be held on Saturday 3rd June 2017 at Runnymede Hall, Thundersley.

Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION BATHROOMS

21

CARPETS & FLOORING

24

DECORATOR

20, 20

DRIVEWAYS /SEALING

7

GARAGE DOORS

23

GARDEN / LAWNS

9

KITCHENS / BEDROOMS

5, 13, 19, 22

LANDSCAPES & CONSTRUCTION

21

PLUMBING & HEATING

11, 23, 25

PROPERTY MAINTENANCE

4

SKIP HIRE

27

WINDOWS, DOORS & CLADDING INSTALLERS

17, 26

WINDOW RESTORATION

Our financial expert Martin Lamb from Joseph R Lamb Financial Advisers also provides his regular contribution (centre pages).

3

FINANCIAL, LEGAL & PROPERTY SERVICES ACCOUNTANT

If you want to feature any local charities or community based scheme, local sports clubs or other local activities in our Rayleigh guide then please get in touch at: info@thelocalbusinessguide.co.uk

8

ESTATE AGENT

Back Cover

FINANCIAL ADVISOR SOLICITOR

Centre Pages

Inside Back, 19

If you are a local business and would like to advertise in the Guide, then please contact our salesperson Ricky on 01375 402546 who will give you a no obligation quote. It really is a cost effective way of promoting your business and generating business from your local community.

HOUSEHOLD & LIFESTYLE

The Castle Point Local Business Guide

LEAFLET DELIVERY

Publisher

UPHOLSTERY 24

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

Sales - Ricky Edwards 01375 402546

BUSINESS CARD DIRECTORY

28

CAR REPAIRS / SALES

2, 12

CLEANING SERVICES RESTAURANT / TAKEAWAY

8 Front Banner 4, 21, 22

VEHICLE RECOVERY

12

HEALTH & BEAUTY CARE SERVICES

9

DENTAL CLINIC

23

OPTICIANS

Inside Front

STAIRLIFTS 21

The Local Business Guide do not make any recommendations as to the fitness of the advertisers appearing in this publication to carry our their services and no recommendations should be deemed to have been made.

All rights reserved. No part of The Local Business Guide Limited publications may be reproduced or used in any form or by any means either wholly or in part without prior permission of the publisher.

This magazine is published by The Local Business Guide Ltd © The Local Business Guide 2017

www.thelocalbusinessguide.co.uk

1

2

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

advertorial

Cloudy2Clear Announce Trusted Trader Partnership Consumer champions Which? have now joined the thousands of customers who recognise that Cloudy2Clear Windows really are a business that you can TRUST. The company which specialises in repairing windows which are steamed up, broken or damaged by replacing the panes – not the frames has received the coveted ‘Which Trusted Trader’ status after going through a rigorous accreditation process entirely focussed on customer service.

Group Managing Director Marcus McGee believes that Which? have endorsed Cloudy2Clear’s long standing company policy of delivering the

highest standards possible at all times. ‘Our service is simple. If your double glazing has misted up we can replace the glass at a fraction of the cost of a new window, in any type of frame, and with a new 5 year guarantee. But it’s not just about saving people money, although that obviously helps. Whilst a number of tradespeople perhaps don’t focus on customer care as much as they should do, we make sure we turn up when we say we will, do the job the customer requires and leave their house as clean as a whistle.

Locally Cloudy2Clear service the Southend, Westcliff on Sea, prittlewell, Southchurch

& Chalkwell areas and manager Chris Miller agrees that this approach is a major factor in his success. ‘The truth is that it’s not just the personal satisfaction that I get from doing a good job but also it makes good business sense. I get a huge amount of business from friends and family of people I’ve done work for, which just goes to show how much a little bit of effort is appreciated as both my customers and, obviously a body as nationally important as Which? now recognise.’

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

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5

Houses & Gardens In Essex As we head into Spring, why not spend a day at one of the many glorious historic buildings and gardens in Essex.

Audley End House and Gardens in Saffron Walden is one of England’s grandest stately homes. Audley End House was built to entertain royalty and includes a Victorian Service Wing complete with kitchen, laundries and a dairy.

With beautiful grounds to explore, including an impressive formal garden and the working Organic Kitchen Garden, there’s so much to see and do. For opening times and prices visit www.english-heritage.org.uk or call 01799 522842.

Bardfield Vineyard in Great Bardfield, Braintree was once owned by Anne of Cleves. You can tour the vineyard and the walled garden, taste the wines and eat in the beautiful 17th century farmhouse. There is also a magnificent Grade I listed brick and tile barn built by Anne of Cleves in 1541. For more details call 01371 810776

Layer Marney Tower is a magnificent red brick Tudor house in Layer Marney near Colchester. It is the tallest gatehouse in the country, built to rival that of Hampton Court. It has stunning views from the top of the tower across rolling Essex countryside.

There are lovely gardens, a medieval barn, children’s play area, animals and a one and a half mile circular, country walk. The church has three fine effigy tombs. visit www.layermarneytower.co.uk Hyde Hall is a 360 acre estate near Chelmsford.

This inspirational garden has a great diversity of plants and planting styles where you can watch the changing seasons and get closer to nature.

It’s a garden to be enjoyed by people of all ages Facilities include a licensed restaurant, plant centre, shop, information centre and library.For more details visit www.rhs.org.uk/hydehall 6

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

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

Call: 01702 526 797 www.brooks-care.co.uk

Are you looking for high quality, flexible and compassionate care in your own home? ~ Assistance with all personal care needs ~ Respite, shopping & light house chores ~ Owned & managed by registered nurses ~ Free assessment The first step to a beautiful lawn is to call GreenThumb

We provide four seasonal ‘weed & feed’ treatments, as well as beneficial treatments to keep your lawn in tip-top condition - prices start from just £15*.

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9

Working for the Community

Can you help Re-Home a Dog from Acres Way Kennels?

Re-Homing Update We are pleased to tell you that Molly the Terrier has been successfully re-homed. Unfortunately Ronnie the Chihuahua and Lenny the Staff Cross are still waiting for a new home, but I’m sure they’ll get placed very soon. This month we feature 3 new dogs that are looking for loving homes.

Molly



- Successfully re-homed

This month’s featured dogs Ruby - Mastiff Cross  Age: Not known exactly Ruby was born at Acres Way and sadly has returned after the home she went to didn’t work out. She has lived with children and other dogs but is a strong girl so will need someone who can manage her. She also does not like to be left alone for long so would perhaps suit someone who is home or a working environment.

Sasha - Siberian Husky



Aged 1 Sasha, our 18 month old Siberian husky. She is a bouncy girl who needs some manners and is looking for an family or person experienced with the breed to meet her specific needs.

Alice - Staff cross. 

Aged 4

Gorgeous little Alice is 4 year old Staffordshire bullterrier.

She spends the day curled up on her bed, but equally loves to be out and about walking! Whilst she gets on with dogs she meets out and about she can be jealous in home environment so will need a pet free home. Alice would be best suited to a family with older children.

How to contact them

Acres Way Kennels, Great Burches Road Thundersley, Essex SS7 3NE They are open 10am-3pm 7 days a week • Visitors are welcome at any time during these hours - no appointment is necessary.

By email: contact@acresway.co.uk • By phone: 01268 770402 10

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

www.thelocalbusinessguide.co.uk

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

www.thelocalbusinessguide.co.uk

13

Money Guidance O

ver the next few months I am going to outline the services we offer at Joseph Lamb, this month I am going to be looking at ‘Equity Release’. At Joseph Lamb Equity Release is one of the areas that we continue to offer full Independent advice in, as each solution is carefuly researched and tailored for each specific client.

Terminology can be very confusing in our industry as the adviser community, HMRC and the regulators can use differing names for what are essentially the same products or services. The term Equity Release is now accepted to be any form of service or product that enables you to extract some monetary value from your home, whilst you are still living in it. The target market for these products is the ever growing number of retirees, especially those who find that at some point they are starting to struggle financially as their pensions are not keeping pace with inflation.

There are two main types of Equity release, the first are now known as Lifetime Mortgages. These are essentially mortgages in reverse and can be arranged on most homes when the owners are over 55. The amount you can borrow is generally dependent on your age, the older you are the more you can borrow. If there is sufficient equity in your home you can repay other existing loans or mortgages and use any surplus for nearly any purpose; to improve your standard of living, increase your income, home improvements, make modifications to your home to improve your mobility or even to move to a larger home.

The majority of Lifetime mortgages are set up on an ‘interest roll up’ basis. This means you do not have to pay the interest payments, instead they are charged to your mortgage account (usually at Fixed Rate), and the loan, plus the accumulated interest is paid off in the future when the last occupant has gone into long term care, or upon their death.

This means that the some of the value in your home has been enjoyed by you, for whatever purpose, and the ultimate net value of your home is reduced by the amount of the final balance. This will not be a suitable situation if your primary concern is protecting the value of your estate for your children or beneficiaries, but if this is not a concern to you then this may well be suitable.

There are Lifetime Mortgages available that operate exactly as above, but that also give you the option to make all or some of the interest payments, to prevent the final balance rolling up too much. These may be of interest if you have a reasonable income and want to protect your beneficiaries interests, and to help them through life, for example you could raise capital to gift to your children or grandchildren for a deposit for house purchase and make some payments of interest in order to protect the final value of your estate for their benefit.

You can also limit the amount of interest accruing by setting

14 18

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.

The other main type of Equity Release product is a Home Reversion, in these you do not borrow, but rather you sell a percentage of your home to the provider, who provides you with a secure tenancy for a nominal annual rent. The amount you will receive is generally a lot less than it’s market value as it could be many years before the provider recoups their cash when the home is sold, again on vacating the property to enter long term care, or death. If the property value increases then the amount to the provider will increase similarly.

However, care must be taken when considering any form of Equity Release. You should always consider other options, could you sell and downsize? Take in a lodger? Equity Release should always be considered as the last resort but the products are now much more competitive than in the past (a range of APRs from 3.5 to around 4.5% for most Lifetime Mortgages), are much better regulated, all providers of advice need to be regulated by the Financial Conduct Authority, and operate in a much more professional market. Always seek professional advice, Joseph Lamb are members of the Equity Release Council, an organisation set up to promote awareness of and confidence in the Equity Release Market. Member firms have to meet the ERC membership criteria whether they are advisers or lenders. Very few adviser firms have joined the ERC so are delighted to be one of the few members in the South East of England. Full details regarding the ERC can be found at www.equityreleasecouncil.com.

If you need any further information then please visit our website or request one of our FREE Equity Release guides by calling, visiting our website or via e mail at info@ josephlamb.co.uk. Should you need advice or to just discuss the options available to you then we can visit you at home or arrange a meeting in our offices. The initial meeting is always FREE. 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

You worked hard for your home, now let your home work for you View our client testimonials at josephlamb.co.uk.

For a FREE consultation or a simple, informal discussion about your Equity Release, call 01268 749880.

Investment Management Inheritance Tax Planning

Investing For Growth + Income Drawing + Building Pensions Equity Release Financial Protection Redundancy Counselling Business Protection

More than 40 years of experience in wealth management, investment advice and inheritance tax planning.

Joseph lamb is the trading style of Joseph R. Lamb Independent Financial advisers Ltd – Chillingstone House, 26 Eastwood Road, Rayleigh, Essex SS6 7JQ. Past performance is no guarantee of future returns. The value of investments can fall as well as rise.

Joseph R Lamb IFA Ltd are authorised and regulated by the Financial Conduct Authority.

www.thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk

19 15

What’s On In Castle Point Benfleet Community Archive Annual Exhibition Saturday 22nd April 2017 Starts: 10.00pm for 1.00pm Location: At Benfleet Methodist Church, High Road, Benfleet SS7 5LH Spend a morning enjoying memories and photos of Benfleet from yesteryear and perhaps take advantage of our delicious light refreshments. We will be displaying some as yet unseen photos and there will be the opportunity for you to help us with more information and identification of some of the exhibits. You may also like to partake in our raffle, with prizes kindly donated by local supermarkets, Morrisons and Sainsbury’s, to whom we are extremely grateful.

Admission £1.00 (children free).

Refreshments available.

BCA website: http://www.benfleethistory.org.uk

Hadleigh Castle Townswomen’s Guide Meeting

Guest Speaker Paul Allen on Laurel & Hardy Tuesday 4th April 2017 Starts: 1.30pm for 3.30pm Location: Hadleigh Old Fire Station. High Street, Hadleigh, SS7 2PA.

Admission: Members £1.50, Non-members £2.00.

Visitors welcome - £2.50 per meeting with 2 visits allowed before joining.

For more information, please e-mail Mary Hodges at marysolaris@yahoo.co.uk.

Westwood Art Group Spring Exhibition Saturday 22nd April & Sunday 23rd April 2017 Starts: Sat 9.30pm - 5.00pm / Sun 10.00am – 2.00pm Location: Hadleigh Old Fire Station. High Street, Hadleigh, SS7 2PA. Showing 200 paintings in all mediums for sale at affordable prices. Painting demonstrations by members. The club is celebrating its 40th birthday this year.

We meet weekly to paint together in a congenial atmosphere, producing paintings in a variety of styles using pastels, oils, acrylics, watercolours and pencil.

Free entry and parking. Wheelchair access.

Tea and cakes available. In support of a local charity.

For further information, contact Ian James on 07768871875 or see our website WAG website: www.westwoodartgroup.weebly.com 16

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

www.thelocalbusinessguide.co.uk

17

Wordsearch Can you find the 12 Essex place names hidden below:

S Y A R G O K W M Z G L • • • •

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B A S I L D O N A V Q Y

C Q O U F Q G O L H C H

BASILDON CASTLEPOINT CHELMSFORD COLCHESTER

P O A N G H C A G A Y U

W V L E O A H I S H R C

M C I C W D E T J C U K • • • •

G U U U H L L R R J B S

H O Z C Y E M A Q K N L

R M S A P I S C M C A W

X A R O V G F T F O D J

DANBURY GRAYS HADLEIGH MALDON

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

C U I M A H O J E R N I

X N S K Z W R F L R Z H • • • •

T T L Q O Y D E K U B D

RAYLEIGH SOUTHEND THURROCK WICKFORD

D N E H T U O S L H P D

W I C K F O R D Y T Y M

www.thelocalbusinessguide.co.uk

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Castle Point Volunteer Awards 2017 Nominate your volunteers now!

w

e want to hear about the stars of Castle Point. Tell us about a volunteer that has made an impact on your community and improved the lives of others. This is your opportunity to show just how much you appreciate them. A time to say thank you.

There are two categories to choose from:

The Castle Point Volunteer Awards are hosted annually by Castle Point Association of Voluntary Services (CAVS) and this year the event, which will be held on Saturday 3rd June 2017 at Runnymede Hall, Thundersley, is kindly supported by the Mayor of Castle Point, Affinity 1777 Restaurant, Sceptre Football League, Design4 Print and Ellie Mae Florists.

To make a nomination online simply visit the CAVS website now at www.castlepointavs.org.uk or contact CAVS at events@castlepointavs.org.uk

• The Mayor’s Award (adults over 18 years) • Young Volunteer Award (young people under 18 years)

People across Castle Point are being asked to nominate those special individuals that they feel deserve recognition for their volunteering efforts and commitment, for going that extra mile and making a difference. Every nominee will receive an invitation to the ceremony.

BOB LEIGHTON’S

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

www.thelocalbusinessguide.co.uk

21

KITCHENS

BATHROOMS

Image Housing works with a range of manufacturers to offer an extensive choice of kitchens designs to suit you.

If you are looking for a complete bathroom makeover or want to install new fittings for a more modern look, call Image Housing for a professional job, every time.

Whether it is a complete new kitchen, or a door and worktop change our FREE home survey & kitchen design service will help you get the very best results from your available space.

We are experienced in all aspects of bathroom installations and repairs. From tiling, new showers and bathtubs to radiators and accessories.

Free Quotations!

All Products and Installations Guaranteed! www.imagehousing.co.uk | 01268 931765 The Old Rectory, Bowers Gifford, Essex, SS13 2HG

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22

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

ged 10 Up to a ry full e with ev adult g in y a p

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www.thelocalbusinessguide.co.uk

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High Quality Discount Carpets and Flooring in Benfleet We have a massive selection of carpets and flooring, we can find something to accomodate your budget.

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Telephone: 01268 755044 Email: lloydcarpets@gmail.com 24

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

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WE OFFER A FULL INSTALLATION SERVICE WHETHER YOU REQUIRE HARDWOOD, ALUMINIUM OR UPVC.

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