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78 Hart Rd, Thundersley

01268 793538

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

As we head into Autumn, why not spend a day at one of the many glorious historic buildings and gardens in Essex. On page 6 we feature Audley End House, Bardfield Vineyard, Layer Marney Tower and Hyde Hall – all fabulous locations for a great day out for the family. Alternatively you can get out of the house and attend any of the events that we highlight in our regular ‘What’s On in Castle Point’ on page 16. This month we feature a Charity Zumbathon, the Annual Transport Show organised by the Canvey Transport Museum and the Havens to Havens Charity Walk in aid of the Little Havens Children’s Hospice.

We are really pleased to report that the appeal for funds for Monty the Giant Schnauzer’s operation has had an overwhelming response! Acres Way have managed to raise the full amount needed for the operation and are currently awaiting the date for his first surgery to take place. We are continuing to fund raise so that we can provide him with hydrotherapy after the operations to speed his recovery. A big thank you to all our readers for their support.

We also feature 3 more deserving dogs this month who are looking for loving homes (page 10).

Within our Community section this month we feature an article on the History of The Anchor Public House (page 20) and our financial expert Martin Lamb from Joseph R Lamb Financial Advisers also provides his regular contribution (centre pages).

If you want to feature any local charities or community based scheme, local sports clubs or other local activities in our Castle Point or Rayleigh guides then please get in touch at: info@thelocalbusinessguide.co.uk If you are a local business and would like to advertise in the Guide, then please contact our salesperson Ricky on 01375 402546 who will give you a no obligation quote. It really is a cost effective way of promoting your business and generating business from your local community.

The Castle Point Local Business Guide Publisher Email: info@thelocalbusinessguide.co.uk www.thelocalbusinessguide.co.uk

Sales - Ricky Edwards 01375 402546

Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION BATHROOMS 21 DECORATOR 23 DRIVEWAYS / SEALING 7 GARAGE DOORS 18 KITCHENS / BEDROOMS 5, 12, 23, 24 LANDSCAPES & CONSTRUCTION 23 PLUMBING & HEATING 25 PROPERTY MAINTENANCE 17 ROOFING 9, 17, 26 SKIP HIRE 27 WELDING & ENGINEERING 4 WINDOWS, DOORS & CONSERVATORIES 8 WINDOW RESTORATION 3

FINANCIAL, LEGAL & PROPERTY SERVICES ACCOUNTANTS 4 ESTATE AGENT Back Page FINANCIAL ADVISER Centre Pages LETTINGS AGENT 28 SOLICITOR Inside Back

HOUSEHOLD & LIFESTYLE BUSINESS CARD DIRECTORY 26 CAKES 23 CAR REPAIRS / SALES 2, 18, 21 COUNTRY PARK / LEISURE RESORT 19 LEAFLET DELIVERY Front Banner PET STORE 13 REMOVALS 28

HEALTH & BEAUTY CARE SERVICES 11 OPTICIANS IFC 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

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advertorial

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Houses & Gardens In Essex As we head into Autumn, 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

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9

Working for the Community

Acres Way Update - Monty’s Appeal We are really pleased to report that the appeal for funds for Monty the Giant Schnauzer’s operation has had an overwhelming response! Acres Way have managed to raise the full amount needed for the operation and are currently awaiting the date for his first surgery to take place. They are continuing to fund raise so that they can provide him with hydrotherapy after the operations to speed his recovery. A big thank you to all our readers for their support.

3 More Dogs Looking For Homes

Sox  Aged 5 years

A lovely 5 year old cross breed. She is very affectionate, absolutely loves people, her walks and tummy rubs. She can be a little nervous in new situations so will be best to go to a quiet home with older children over 12. She is great with other dogs too.

Edward - Lurcher / Whippet Aged 10 months A 10 month old lurcher/whippet cross. Edward loves a fuss and loves to be around people. He has had a very unsettled 10 months after already being rehomed twice and now he finds himself in the kennels he needs a quiet home with time and patience to show him how to finally settle.

Denzel

- Lurcher cross  Aged 5 years

Denzel is a 5 year old large lurcher cross. This poor loving lad has lots of scars we don’t know who or what has done this to him but he is a gentle boy very loving and very affectionate. He could potentially live with another dog upon a successful meet and greet.

But can’t be rehomed with small animals.

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

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

Lubards Lodge Farm, Hullbridge Road, Rayleigh, Essex, SS6 9QG • 01268 642601 gladwells.rayleigh@copdockmill.co.uk Monday - Saturday: 8.30am - 5.30pm www.copdockmill.co.uk

www.thelocalbusinessguide.co.uk

13

Money Guidance

Inheritance Tax - Your Questions Answered What is Inheritance Tax?

The residence nil rate band is available to anyone who:

Inheritance Tax (IHT) is a tax on the estate (property, money and possessions) of someone who has died.

• Passes the family home to children/ grandchildren on death, or

There is normally no IHT to pay if:

•

• The value of your estate is below the threshold, or • You leave everything to your spouse/ civil partner, or a registered charity How much is the IHT threshold?

The current IHT threshold (nil rate band) before any IHT is due is £325,000 per person. For a married couple, on first death, any of the unused IHT threshold allowance is passed on to the surviving spouse. So, for a married couple and assuming the whole estate passes to the survivor, there is a current combined allowance of £650,000.

What is the current IHT rate?

The standard IHT rate is 40%, which is charged on the part of your estate above the threshold (nil rate band).

Example: Estate of £850,000 for a married couple with nil rate band of £650,000. IHT will be 40% of £200,000 (£850,000 - £650,000) i.e. £80,000.

What about passing my home to my family on death?

The Government also introduced an additional IHT nil rate band (residence nil rate band) where the family home is passed to children or grandchildren on deaths from 5 April 2017 in addition to the current nil rate band of £325,000.

For the current tax year, this adds £100,000 per person to the standard IHT nil rate band, to give a total of £425,000 per person (£850,000 for a couple).

This additional residence nil rate band will increase year on year, until it reaches £175,000 per person in the 2020/21 tax year, giving a total nil rate band of £500,000 per person (£1,000,000 per couple).

The residence nil rate band can be transferred to the remaining spouse on death the same as the standard nil rate band.

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Had a family home, then downsized on/after 8th July 2015 (passing assets of equivalent value to children/ grandchildren), and

• Has an estate worth under £2Million.

Example: Estate of £850,000 for a married couple, including a property valued at £100,000 or over would have a nil rate band of £750,000, as you are passing on your family home. IHT will be 40% of £100,000 (£850,000 £750,000) i.e. £40,000.

Can I reduce my IHT? Yes, there are many solutions available: •

Gifts, a simple solution. You can make unlimited gifts from normal income or up to £3,000 per tax year without any IHT implications. Other gifts can be made and fall out of the IHT calculation after 7 years, normally.

• Life Insurance, a simple and low-cost life assurance can provide a sum to meet an IHT bill.

•

Trusts, the use of a trust is more complex but can have many benefits.

These include reducing your IHT bill and being able to control how the Inheritance is used.

This is a brief overview of how IHT works and simple solutions to reduce your liability. Joseph Lamb can provide you with tailored IHT planning solutions and we would invite you to contact us if you feel this may be of benefit to you.

Martin Lamb, Dip.PFS Certs CII (MP & ER)

This article does not constitute advice and readers should seek an assessment of their needs and requirements before making any decisions based on the content of this article. The value of investments can go down as well as up and past performance is not a guide to future returns.

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

Own your own Company?

You need to read this!

At Joseph Lamb we have more than 45 years experience providing honest, effective investment and pension advice.

View the performance of our portfolios and our client testimonials at josephlamb.co.uk.

For a FREE consultation or a simple, informal discussion about your investment or pension concerns, call 01268 749880.

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

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What’s On In Castle Point Charity Zumbathon - In Aid Of Little Havens Hospice Friday 8th September 2017 Starts: 8.00pm to 9.30pm Location: At Runnymemde Hall, Kiln Road, Thundersley SS7 1TF Come and try the different flavours of Zumba! Dance to great music, with great people and burn a ton of calories without even realizing it!

All proceeds go to Little Havens Hospice. Wristbands £10 Contact Pat on 07828 269920 or email patj54@hotmail.com

Annual Transport Show - Canvey Island Sunday 8th October 2017 Starts: 10.00am – 16.30pm Location: Canvey Transport Museum, 105 Point Road, Canvey Island SS8 7TD Vintage Buses & Coaches, Classic cars & Commercials, Model Railway, Trade Stalls & Refreshments – a great family day out!

Free parking at Labworth Car Park, Western Esplanade For more information visit: www.castlepointtransportmuseum.co.uk

Havens To Havens Walk Sunday 10th September 2017 Starts: 11.00am Location: Start & finish at Little Havens Hospice, Daws Heath Road, Daws Heath SS7 2LH. Join us for the 10th anniversary of our annual Havens to Havens Walk to raise funds for Havens Hospices. You can take on either a 5 or 10 mile route, starting at Little Havens Hospice and walking through historical Hadleigh, Old Leigh and Chalkwell’s coastline - not forgetting to enjoy a cream tea at the midway point (included in the ticket price!)!

Cost £10.00 adult, £5 child, £25 family (2 adults, 2 children).

Register online at www.havenshospices.org.uk/havenstohavenswalk or contact Cathryn at cjwood@havenshospices. org.uk or phone 01702 220337.

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

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Own your own holiday home at

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Great reasons to own: Heated indoor pool Boat launching ramp Regular owners’ events Great diner and takeaway 9 month season for owners^ Friendly owners community Sports and water facilities

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History of Castle Point

The Anchor Public House - Benfleet

T

he building where The Anchor Inn is now was built in 1380 and was most likely built as a Court House.

Historians have made this assumption due to the high standard of the workmanship that went into the construction of the building and the fact that it was built at the time of a peasant’s Revolt. Men were protesting about the very first poll taxes and had burnt the existing courtrooms near the church to the ground. It is believed that The Anchor building replaced it.

During renovations to the building in 1989, ornate medieval windows were discovered facing the stables across the yard. This has led historians to believe that what is now the front of the building was originally the back.

When first recorded as a Public House, it was called the “Blue Anchor.” The Inn was very much the centre of village life for centuries, especially when George Land and his wife Sarah took over in 1875. George and Sarah had three sons and a daughter and the family ran the pub up until 1964. The well at the Anchor was the main water supply until about 1899 and in the 1880’s the only public transport in Benfleet was a horse and cart provided by George Land. It was also the first building in Benfleet to be lit by gas.

In 1924, the Anchor became home to Benfleet’s first voluntary fire brigade which consisted simply of a handcart until enough money had been collected to buy the first engine in 1925. Also in the early 1920s, the Post

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Office was part of the building with the sorting office being in the yard in a converted stable.

We learn quite a lot about the activities that took place at the Anchor Inn through Iris Sugg’s book “Memories of Benfleet.”* As a child, Iris lived above what was often called the “Cottage Shop.” Her bedroom looked towards the Anchor and she would spend many hours watching the comings and goings of the establishment.

Iris remembers, “Ted Land owned the Inn when I was a child. He had no legs and rode around in a bath chair. On the footrest where his feet would have been he always had a pet lamb to keep him company.

On occasions, the rear of the Anchor was used as a knackers yard where poor worn out horses were brought to be shot.”

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

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Wordsearch Summer

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TO ADVERTISE IN ANY OF OUR LOCAL BUSINESS GUIDES

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Solicitors

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