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SEPTEMBER 2017

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Welcome A very warm welcome to the September 2017 edition of the Rayleigh 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 Rayleigh’ on page 16. This month we feature the Annual Transport Show held at the Canvey Transport Museum and Happy’s Circus at Down Hall Primary School.

We are really pleased to report that Monty the Giant Schnauzer is currently doing well in his foster home. He has had his pre-op assessment at the animal health trust in Newmarket and is due back there later this month.

We’ll keep you updated on his progress. Acres Way 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 continued support.

Sox the cross breed that we featured last time has found a loving new home. Unfortunately Denzel the Lurcher Cross and Edward the Lurcher/ Whippet are still at Acres Way looking for a new home, but I’m sure that they’ll be successfully re-homed soon. We feature 3 more deserving dogs this month who are looking for loving homes (page 10).

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 Rayleigh 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 11 CURTAINS / BLINDS 21 DECORATING / PAINTING 24 DRIVEWAYS 7 GARDEN SHEDS 21 KITCHENS 3, 12, 18 LANDSCAPING / FENCING / LAWNS 8 MARBLE 12 PLUMBING & HEATING 2, 25 PRESSURE WASHING / CLEANING 11 ROOFING 9, 20, 28 SKIP HIRE 27 WELDING & ENGINEERING 2 WINDOWS 19 WINDOW CLEANING 17 WINDOW RESTORATION Front Banner, 5

FINANCIAL, LEGAL & PROPERTY SERVICES ACCOUNTANT FINANCIAL ADVISOR SOLICITOR WEALTH MANAGEMENT

8 Centre Pages 17 20

HOUSEHOLD & LIFESTYLE BUSINESS CARD DIRECTORY 24 CAR REPAIRS / SALES 26 COMPUTERS / REPAIRS 22 DOMESTIC APPLIANCE SALES & REPAIRS 23 FLORIST 26 GOLF CLUB / ENTERTAINMENT VENUE Inside Back LEAFLET DELIVERY 26 PET STORE Back Page TAXI CABS Inside Front VOCATIONAL ACADEMY 4

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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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Issues with double glazing can often be gradual and may only be noticed during a clear sunny day or during the winter. A failed glass unit may no longer provide you with the protection you need or be energy efficient. Why not spend a few minutes checking your home to see if you have any failed double glazing?

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5

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

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

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9

Working for the Community

Update on Monty the Giant Schnauzer and the other dogs we featured last time We are really pleased to tell you that Monty is currently doing well in his foster home. He has had his pre-op assessment at the animal health trust in Newmarket and is due back there later this month. We’ll keep you updated on his progress.

Sox the cross breed that we featured last time has found a loving new home. Unfortunately Denzel the Lurcher Cross and Edward the Lurcher/Whippet are still at Acres Way looking for a new home, but I’m sure that they’ll be successful soon.

3 More Dogs Looking For Homes

Jerry -

Labrador / Husky  Aged 2 years

He is a young bouncy lad, is very loving and affectionate, but can be choosy with other dogs. He has shown possessive issues in the past so he is looking for a pet and child free home.

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Siberian Husky Aged 18 months 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. Pet and child free home.

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Lexi has come back to us after being re-homed for some time due to no fault of her own. She is a loving affectionate girl who is used to a lot of fuss and attention. Lexi needs a pet free home.

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

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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 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.

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What’s On In Rayleigh Happy’s Circus Thursday 14th September 2017 Starts: Gates Open at 5.00pm & the show starts at 6.00pm Location: Down Hall Primary School, Brooklyn Drive, Rayleigh, Essex SS6 9LW. Happy’s Circus is coming to Down Hall Primary!

There will be an actual big top in the field, and an amazing show is in store. The shows feature acrobats, aerialists, magic, speciality acts, clowns, audience participation, loads of fun and much, much more! (No animals).

Ticket purchasing information from downhallpta@ hotmail.co.uk, or they can be bought from Mr Simms Olde Sweet Shoppe, 100 High Street, Rayleigh, SS6 7BY. £8 each or £28 for a family of 4 ticket.

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

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

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We provide a comprehensive wealth management service, offering specialist face-to-face advice tailored to you. Our services include: • Investment Planning

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

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