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DELIVERED FREE TO 10,000 HOMES

Rayleigh BRINGING LOCAL BUSINESSES TO LOCAL PEOPLE

MARCH 2018

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£2,000 IN CASH & VOUCHERS TO BE WON! Is there cash in your bag? Available this April from... Lubards Lodge Farm, Hullbridge Road, Rayleigh, Essex, SS6 9QG • 01268 642601 Monday - Saturday: 8.30am - 5.30pm gladwells.rayleigh@copdockmill.co.uk www.copdockmill.co.uk


Welcome A warm welcome to the March 2018 edition of the Rayleigh Local Business Guide. In our ‘What’s On in Rayleigh’ section on page 16 we feature a poker night, a Tea Dance and an afternoon of Bingo. What more could you want to cheer yourself up after the poor March weather ! In our regular Acres Way feature (pages 10 and 11), we are pleased to report that Jerry the Labrador / Husky cross that we featured last time has been successfully been re-homed. Unfortunately Hattie the Terrier and Max the Lurcher are still with Acres Way. These 2 dogs can be quite challenging and so we are featuring them both once again in the hope that we can find them suitable loving homes. We also feature another deserving dog this month, Macey, who is looking for a new loving home. Within our Community section this month we feature an article on the Rayleigh, Rochford and District Association for Voluntary Service, an umbrella organisation representing the interests of all voluntary and charitable groups in the Rochford District (page 6). We also feature an article on the History of Rayleigh Mount (page 21) and an article on where you can get married in Essex (page 9). We also have our regular column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (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 22 CLADDING 24 KITCHENS 3, 8 LANDSCAPING / FENCING / LAWNS 4 LAWNCARE 6 PLASTERER 20 PLUMBING & HEATING 25 ROOFING 4 SKIP HIRE 27 WINDOWS 13 WINDOW RESTORATION Front Banner, 5

FINANCIAL, LEGAL & PROPERTY SERVICES ACCOUNTANT 8 ESTATE AGENT Back Page FINANCIAL ADVISOR Centre Pages SOLICITOR 2

HOUSEHOLD & LIFESTYLE BUSINESS CARD DIRECTORY 26 CAR REPAIRS / SALES 20 COMPUTERS / REPAIRS 17 DOMESTIC APPLIANCE SALES & REPAIRS 23 FLORIST 20 GOLF CLUB / ENTERTAINMENT VENUE Inside Back HOLIDAY HOMES / COUNTRY PARK 19 HOTEL 7 LEAFLET DELIVERY 22 PET SUPPLIES Inside Front REMOVALS 22 TAXI CABS 12

HEALTH & BEAUTY STAIRLIFTS

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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 2018

www.thelocalbusinessguide.co.uk

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LEADING FIRM

2017

Palmers Business Guide March.indd 1

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

02/03/2018 16:14


Double Oven HBM13B151B R.R.P £667.00

Induction Hob PUE611BF1B R.R.P £438.00

Including Free set of Saucepans R.R.P £130.00

Integrated Dishwasher SMV40C30GB R.R.P £370.00

www.thelocalbusinessguide.co.uk

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


advertorial

Has Your Double Glazing Steamed Up? Established for over a decade Cloudy2Clear windows have become a leading company for glass replacement. 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? If you act now you can avoid these problems. Now, you may think you need to replace

the whole window including the frames and all the hardware, however Cloudy2Clear have come up with a simple and cost saving solution‌ Just replace the glass!! If you see condensation in your windows just visit our website or give us a call on 0800 61 21 118. We will send out our highly experienced engineers for a free no obligation quote. A Cloudy2Clear quote takes on average no longer than 20 minutes. Once the quote is completed, we will sit down with you and explain the problem and tell you

how we can fix it. With years of experience Cloudy2Clear have a wealth of knowledge and are recognised as a Which Trusted Trader, plus our work is backed by an industry leading 25 year guarantee. Cloudy2Clear also replace faulty locks handles and hinges on all windows and doors. Your friendly local Cloudy2Clear specialist is Chris Miller and he services the Rayleigh area. So, if your windows are steamed up, broken or damaged give Chris a call for a free quotation on 0800 61 21 118.

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Rayleigh, Rochford & District Association For Voluntary Service

R

ayleigh, Rochford and District Association for Voluntary Service (RRAVS) has been established in the Rochford District since 1988. RRAVS is an umbrella organisation representing the interests of all voluntary and charitable groups in the Rochford District. RRAVS are the link between the voluntary, community and statutory sectors providing support, and advise on all aspects of services provided to the community. Through their volunteer centre based in the High Street, Rayleigh they can offer advice to both organisations looking to recruit volunteers as well as individuals looking for volunteering 1 02/02/2018 11:14 opportunities135x90SAMPLE.pdf in the local community.

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Anyone can volunteer and RRAVS welcome everybody. Anytime you can give to local organisations is always valued. If you have access to the internet you can view all the available opportunities on the website www.do-it.org.uk. Alternatively you can contact the centre on 01268 772796 to arrange a convenient time to visit and discuss the options available for you. For more information visit www.rravs.org.uk

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


Where to get married in Essex If you are looking for somewhere a little different to get married, why not look at one of Southend’s Museums? Both Southchurch Hall and Prittlewell Priory are available for civil ceremonies and receptions. Southchurch Hall dates from the early 14th century and the moated manor house is a hidden oasis sitting amongst delightful gardens. Prittlewell Priory is known for being home to Monks of the Cluniac Priory of St Pancreas and is also surrounded by beautiful gardens. For details visit www.southendmuseums.co.uk or call 01702 434449. What could be more unique than a wedding at the very end of Southend Pier? The pier is now home to The Royal Pavilion which opened it’s doors on the 19th July 2012 and has a licence to perform wedding ceremonies. It is the perfect choice for weddings of up to 150 people and could possibly have the longest aisle in the world being located at the tip of the mile long pier! For more information visit www.visitsouthend.co.uk/TheRoyalPavilion or call 01702 618747. The Lawn, Hall Road, Rochford is a magnificent listed Manor House, with a glorious air-conditioned Orangery, and all set within stunning landscaped gardens. Whatever the size of wedding, all this is exclusively yours for the entire day. Whether you have a Civil Ceremony in the splendour of the Grand Hall with its beautiful sweeping staircase, or prefer to marry in church and enjoy your wedding reception at The Lawn, the service and catering is unforgettable. For more details visit www.thelawn. co.uk or call 01702 203701. The Rochford Hotel Wedding Pavilion offers a unique setting with its church pews and takes in the views of the secluded landscaped gardens. The warm and friendly staff are experienced in planning and coordinating wedding ceremonies and receptions For full details see our back page advert. Visit www. therochfordhotel.co.uk/weddings or call 01702 347418. www.thelocalbusinessguide.co.uk

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Working for the Community

Can you help Re-Home a Dog from Acres Way Kennels? Adopting a Dog If you think you can offer a dog a good home, the firs 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 identifiction 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 are pleased to report that Jerry the Labrador / Husky cross that we featured last time has been successfully been re-homed. Unfortunately Hattie the Terrier and Max the Lurcher are still with Acres Way. These 2 dogs can be quite challenging and so we are featuring them both once again in the hope that we can find them suitable loving homes.

Successfully Re-Homed !

Jerry -

10

Labrador / Husky  Aged 2 years

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


Hattie -

Terrier Aged 6-7 years Loves : A fuss and walks Looking for : A quiet home with adults only. She gets on well with other dogs and loves to play but she is possessive of her toys and food. She is looking for a home without children as she has been known to nip them.

Max -

Lurcher  Aged 1 year

Loves : Lots of attention and doggie toys. Looking for : Max is a very friendly chap. He’s very lively and would benefit from some obedience training. Being that he is very bouncy we would recommend that he is not homed with small children.

Macey -

Jack Russell cross

Aged 4 years

Loves : A quiet life Looking for : Macey is a nervous girl who would love a quiet home environment. She is very nervous when she first meets people but once the trust has been gained she is very affectionate. She would not be suitable in a home with 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

www.thelocalbusinessguide.co.uk

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Money Guidance Don’t Forget!

It’s that time of year again. The end of the tax year. So don’t forget to have a look at your unused investment and savings tax allowances as in most cases if you miss them they are gone for good. I know I have rambled on about pensions in many previous articles but with pension freedoms giving much more post retirement flexibility, pensions are really now super tax efficient savings accounts (albeit it without access until you are 55) and the tax reliefs and concessions make them very compelling. Why so compelling? Let’s look at the maths. If you pay your pension contribution personally your contribution is paid net of basic rate tax. So a £1,000 cheque means your invested sum is £1,250 if you are a basic rate tax payer. The full £1,250 is invested (a huge range of investment options are available) and investment returns accrue tax free on the full gross amount. If you are a higher rate tax payer you enter your contribution on your tax return which effectively reduces your gross income by £1,250, and you therefore will not pay higher rate tax on £1,250, saving you £250 further tax. So your net contribution is only £750 but you have £1,250 in your pension fund. An effective ‘overnight’ return of 66.66%! If you have worked hard enough to earn over £100,000 you are being punitively taxed as every extra £2 of earnings means you lose £1 of your tax free allowance, so if you earn £123,000 you have no free tax allowance, an effective tax rate on the £23,000 of 60%! By paying a pension contribution of £23,000 (a cheque for £18,400), your assessable income is reduced back to £100,000 and you get the free tax allowance back PLUS the 20% higher rate relief. A further tax saving of £9,200! Remember that 25% of your pension can be paid tax free after the age of 55 and your pension fund is also usually exempt from Inheritance Tax. There are limits on what you can pay in each year, but pensions are unusual in that in many cases you can go back three previous tax years and use missed allowances. This is very important if, as is 14

widely expected, a future budget (this year?) reduces the tax relief available for higher rate tax payers. Don’t Forget! If you run your own business then your company can pay your pension contributions for you and any contributions get corporation tax relief with no personal tax or national insurance as long as the contribution falls within the allowed limits. I always consider pensions ahead of ISAs due to the relief available on the contribution and the IHT aspect. If you have ISAs but lack the funds to pay into your pension then why not use your ISA money and grab those reliefs whilst they are available? If you have maxed out on your pensions or you are too young to want to lose access to the money until you are 55 then don’t forget the ISA allowance is a huge £20,000 a year. Paying into ISAs each year can build up a significant fund, and as with pensions there are many investment types available within them. Why put into a cash ISA for long term savings when the interest rate is less than inflation? Even a moderately speculative portfolio held within an ISA should give a real return above inflation over the medium to long term. As well as Pensions and ISAs there are plans available for more sophisticated or less risk averse investors such as Enterprise Investment Schemes and Venture Capital Trusts that offer similar tax reliefs to pensions, but are generally more risky. So Don’t Forget! Have a look at your pension and ISA payments for the year. If you are unsure if you have used all of your allowances or just need a helping hand or explanations, the adviser team at Joseph Lamb will be only too happy to help. 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.

Investment Management Inheritance Tax Planning

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

More than 45 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.

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What’s On In Rayleigh Bingo Night Wednesday 14th March 2018 Starts: 7.30pm to 10.30pm Location: Royal British Legion Club, 2 London Hill, Rayleigh SS6 7HP. A night of Bingo! Come along and join in the fun. Contact 01268 776503.

Tea Dance Sunday 18th March 2018 Starts: 2.00pm until 4.30pm Location: Royal British Legion Club, 2 London Hill, Rayleigh SS6 7HP. David’s afternoon tea dance. Members £2.50 Non-members £3.50 includes tea / coffee & biscuits. Contact number: 01268 776503.

Poker Night Tuesday 27th March 2018 Starts: 8.00pm to 11.00pm Location: Royal British Legion Club, 2 London Hill, Rayleigh SS6 7HP. John’s Poker night. £5.00 to play - everybody welcome. Contact telephone number: 01268 776503.

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Your local stairlift specialist

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Rayleigh Castle (Rayleigh Mount)

R

ayleigh Castle (also known as Rayleigh Mount) was a masonry and timber castle built in the 11th century shortly after the Norman conquest. All that exists today are the earthwork remains of its large motte-and-bailey. Rayleigh is one of 48 castles mentioned in the Domesday Survey of 1086 and the only one in Essex. The Survey shows that the castle was built by Swein - the son of Robert FitzWimarc (other spellings are Sweyn, Sweyne, and Suen.) FitzWimarc was a Norman lord and favourite of Edward the Confessor and Swein was one of the wealthiest landowners in post-Conquest Essex. Most land owners with significant holdings at the time of the Domesday Survey had disjointed, scattered properties however Swein was one of the exceptions and most of his land was within the hundreds of Rochford and Barstable with Rayleigh Castle as the administrative centre. When Swein died the castle passed to his son Robert de Essex and thento his grandson Henry d’Essex. Henry was accused of cowardice in battle in 1163

and subject to a trial by combat which he lost. The castle and it’s estates were confiscated to become the property of the king, Henry II. The property was then given by King John to Hubert de Burgh in around 1200 who probably used it as a source of building materials for the castle which he started building in 1230 at Hadleigh. On the death of Hubert’s son in the latter half of the 13th century, ownership of the castle reverted to the Crown. In 1394 King Richard II gave permission for the townspeople of Rayleigh to use the foundations of the castle as a source of stone. Since the foundations are explicitly mentioned in the document giving permission, it is unlikely that any other masonry structures remained by then. The site of the castle was used for grazing sheep after it fell into disuse. www.thelocalbusinessguide.co.uk

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The Only Way is Cladding

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