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DELIVERED FREE TO 10,000 HOMES

Rayleigh BRINGING LOCAL BUSINESSES TO LOCAL PEOPLE

OCTOBER 2018

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Welcome A very warm welcome to the October 2018 edition of the Rayleigh Local Business Guide. If your budget is tight then you can still take the family out for a great time without it costing you a penny. We have some fantastic ideas for great Free Days Out in Essex (page 6). Our feature includes visits to Hadleigh Castle, Maldon Promenade Park, Danbury Lakes and Leighon-Sea beach. In our regular ‘What’s On in Rayleigh’ on page 16 we focus on some very local events. We feature a Tea Dance at Rayleigh Mill, an evening of Line Dancing at the British Legion and a fun Bingo Night also at the British Legion. Unfortunately successful re-homing of dogs from Acres Way (pages 10 and 11) has been very slow over the summer period. This is fairly normal as everyone is away on their holidays. None of the 3 dogs we featured last time have found suitable homes as yet, but it was expected that these dogs would be difficult to home. We are therefore featuring these 3 dogs again this month to help them get a loving home. We have also added another dog, Merlin a Podenco Canario cross who needs a good home. Within our Community section this month we focus in on the Keep Safe Scheme (page 19), a charity working in partnership with Local Authorities, Community Organisations, businesses and retailers across the county to provide a network of high street venues for vulnerable people to access. We also have a feature article on local charity ‘SCAFT’ - Supporting Carers and Families Together (page 22) and an article featuring some Top Money Saving Tips (page 24). We also have our regular column from our financial expert Martin Lamb from Joseph R Lamb Financial Advisers (centre pages).

Advertisers Index GARDEN SERVICES, HOME IMPROVEMENT & CONSTRUCTION BATHROOMS 23 BURGLAR ALARMS

20

DECORATOR 23 KITCHENS

3, 8, 9

LANDSCAPING / FENCING / LAWNS

4

PLUMBING & HEATING

18, 25

SKIP HIRE

27

SPRAY FINISHING & POWDER COATING

7

WINDOWS

Inside Front

WINDOW RESTORATION

Front Banner, 5

FINANCIAL, LEGAL & PROPERTY SERVICES ACCOUNTANT

8

ESTATE AGENT FINANCIAL ADVISOR

Back Page Centre Pages

MORTGAGES

7

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

SOLICITOR 2

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.

BUSINESS CARD DIRECTORY

26

CAR REPAIRS / SALES

20

COMPUTERS / REPAIRS

13

The Rayleigh Local Business Guide

HOUSEHOLD & LIFESTYLE

DOMESTIC APPLIANCE SALES & REPAIRS

17

FLORIST

20

GOLF CLUB / ENTERTAINMENT VENUE

Inside Back

Publisher

LEAFLET DELIVERY

21

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

TAXI CABS

12

Sales - Ricky Edwards 01375 402546

UPHOLSTERY

4

HEALTH & BEAUTY CARE AND NURSING

18

OSTEOPATH

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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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Palmers Business Guide Apr.indd 1

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

26/06/2018 10:38


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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RJM Landscapes of Rayleigh Creative, competitive, conscientious

PATIOS • DRIVEWAYS • FENCING • DECKING • PONDS PLANTING • TURFING • CONSTRUCTION & MAINTENANCE

• City & Guilds trained • Free consultation & estimates • Fully insured

Rayleigh Office: 01268 642896 / 07703 444244 Email: rjmlandscapes@gmail.com www.rjmlandscapes.co.uk

Leather & Fabric Workshop What can we do for you? • Restore your tired cushions using the best quality fillings • Fully reupholster your furniture in fabric or leather • Professionally clean and condition all leather items • Supply foams, cleaning and colouring kits • Repair broken frames, springs and webbing • Modify your furniture to fit a smaller space • Provide leather repair solutions • Offer a bespoke colour matching service • Clean and restore automotive interiors

07545477032 / 01268 696926 canvey@leatherandfabricworkshop.co.uk Unit 2, Shannon Square Charfleets, Canvey Island SS8 OPE

leatherandfabricworkshop.co.uk 4

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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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www.thelocalbusinessguide.co.uk

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Free Days Out In Essex Hadleigh Castle is open all year and is free to visit! After many years and the effects of land subsidence, the castle has been left in ruins, but two towers constructed in the era of Edward III still remain. It is a historic place to visit which overlooks the Essex marshes and Thames estuary- a great day out for a picnic or time to spend with the family!

Maldon Promenade Park is completely free with loads of fun stuff to do for both adults and children so is perfect for families! There are many take away kiosks, a scenic lake, sand pits, a splash water park, a children’s’ playground, wildlife area, grass recreation areas and much more to enjoy and experience!

Danbury Lakes is set within the grounds of Danbury Place. It has walking routes that take you around the beautiful waters of the lakes. Again, it is perfect for peaceful picnics where there are benches overlooking the tranquil lakes and in the spring and summer you can view the spectacular flower displays! Throughout the year there are also various children and family activities to enjoy.

Leigh-on-Sea Beach has been voted in the top 100 British Beaches, it is a lovely sandy beach which stretches on for seven miles from Leigh to Shoeburyness! It’s excellent for swimming, sailing and even windsurfing- the best part is it’s a free fun day out!

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


Fitzgibbons Fitzgibbons Tregellis Tregellis ---------------- Clear mortgage advice --------------------------------- Clear mortgage advice --------------------------------- Clear mortgage advice ------------------

Are YOU paying too much for your mortgage? Are YOU paying too much for your mortgage? Are YOU paying lookingtoo to buy your much forfirst yourproperty? mortgage? Are YOU looking to buy your first property? Are YOU looking to buy raiseyour additional funds? first property? Are YOU looking to raise additional funds? Are YOU looking to move? raise additional funds? Are YOU looking to move? Are YOU looking to invest move?in property? Are YOU looking to invest in property? Are YOU looking at abroad? to buying invest in property? Are YOU looking at buying abroad? Are YOU looking at buying abroad? If YOU answered YES to any of these questions, please call us FREE on: If YOU answered YES to any of these questions, please call us FREE on: If YOU answered YES to any of these questions, please call us FREE on:

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A fee of between £299 - £599 will be charged for any mortgages arranged. Fitzgibbons Tregellis is an Appointed Representative A fee of between £299 - £599 will be charged for any mortgages arranged. Fitzgibbons Tregellis is an Appointed Representative of Tryof Financial Limited is Authorised by thearranged. Financial Conduct Authority. A between £299 -which £599 will be chargedand forRegulated any mortgages Tregellis is an Appointed Representative offee Try Financial Limited which is Authorised and Regulated by the FinancialFitzgibbons Conduct Authority. of Try Financial Limited which is Authorised and Regulated by the Financial Conduct Authority.

www.thelocalbusinessguide.co.uk

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


QUALITY KITCHEN FACELIFTS

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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 Unfortunately re-homing has been very slow over the summer period. This is fairly normal as everyone is away on their holidays. None of the 3 dogs we featured last time have found suitable homes as yet, but it was expected that these dogs would be difficult to home. We are therefore featuring these 3 dogs again this month to help them get a loving home. We have also added another dog, Merlin the Podenco Canario cross.

This Month’s Featured Dogs

Bear -

Rottweiler Cross  Aged 4 years

Loves : His food. Looking for : Bear is a lovely lad and a gentle giant. He can be very nervous of new people but once he knows you he becomes your best friend. He wouldn’t be suitable with children and would need to meet other animals within the household if he needed to live with other pets 10

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


Daisy -

Staffie

Aged 7 years Loves : Lots of fuss and attention . Looking for : Daisy is a lovely little Staffie who is looking for a quiet life and comfy home. She is ok with children but due to not getting on with other dogs we would not have here with small children. She also may suffer with a little separation anxiety.

Arnold -

Shar Pei  Aged 2 years

Loves : Lots of attention and his food. Looking for : Arnold is quite a quiet lad who enjoys his food and a good walk. He has tested well with other dogs but would recommend he meets any other pets in the home. He would not be suited to a home with small children as he can be quite lively at times.

Merlin - Podenco Canario cross Aged 7 years Loves : Lots of fuss and long walks. Looking for : Looking for : Merlin is a lovely lad that loves lots of one to one time. He reacts well to other dogs but we don’t know if he would be ok to live with another dog. He wouldn’t be able to be left for long periods of time.

www.thelocalbusinessguide.co.uk

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


Open Mon - fri 9.30am - 6pm open satu rday 9am - 5pm closed su n & ban k holi days

FOLLOW US FOR UPDATES

RAYLEIGHCOMPUTERSHOP @RAYLEIGH_CS

92 The Chase, Rayleigh, essex ss6 8qp

0 1 2 6 8 7 74 0 0 4

laptop & computer systems W W W . R AY L E I G H C O M P U T E R S H O P . C O . U K www.thelocalbusinessguide.co.uk

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Money Guidance I have written several articles about Pensions following the dramatic changes Pensions Freedoms have made. To recap personal pensions are now much more simple, and very flexible long-term savings accounts. The only limitation for most is that they can’t currently be accessed until age 55, but if you could access it earlier you might end up with no pension! Tax relief is given on contributions at your marginal rate of tax, for high earners this is simply too attractive to miss, and for basic rate tax payers there are still long-term advantages. Pension funds accumulate free of capital gains or income tax, 25% of the total fund can be accessed tax free, the balance is taxed as income when you draw it, but most should be earning less in retirement so the income tax due on it should be less than the tax reliefs given. In addition, pensions are normally free of inheritance tax. If you run your own business and your business pays your pension contribution this is normally all set off against corporation tax as well, so you can extract money from your business into your own pension account free of corporation tax, income tax and national insurance. If you are happy to tie the money up to age 55 it really is a ’no brainer’ mathematically. Remember that after 55 (57 after 2028) you can access as much of your pension as you wish and when you wish. You can use the 25% tax free part as ‘income’ and draw it down without any tax until it is exhausted, and you could draw up to your income tax allowance from the taxed part of the pension, if you don’t exceed the allowance this will also be free of income tax. Pensions now really are just too good to miss out on, especially if you are a higher rate or additional rate tax payer. There is some confusion in the savings market however, as a Lifetime ISA broadly replicates a pension for basic rate tax payers. There is no tax relief on contributions, but the entire fund can be withdrawn without income tax and you can access them earlier than a pension. They are subject to certain limitations, but they do make sense as a form of long term savings. However, things may be about to change. The Government are looking to raise more money and are unlikely to want to borrow further. As economic growth is somewhat slow at the moment it is almost certain they will raise it from taxation but will want to limit direct 14

tax increases so tax preferred savings may well be in for a change. In fact, the Treasury Committee have very recently suggested simplifying the savings market by scrapping Lifetime ISA’s and limiting the attractiveness of personal pensions as they spend £billions on tax reliefs, mainly for higher earners. At the moment you can pay up to £40,000 a year into your pension if all your earnings total less than £150,000 per year and get tax relief at your marginal rates. The Treasury Committee are also proposing to reduce the £40,000 and to have a flat rate of income tax relief, (maybe 25%?). This will be fairer to lower earners as they will have an increase in tax relief and should encourage more to save, yet 25% tax relief is still attractive enough for higher earners to want to continue saving for later life, albeit with less available allowance if the £40,000 is reduced. Currently if you have not used your full pension allowance you can claim it back for three previous years, so potentially you could pay £160,000 in this year if you have made no pension funding. This facility could also be reined in by either limiting the years or limiting the carry forward amount to whatever the new reduced annual limit may become. Or by scrapping it all together! These proposal, or similar have been kicked around for some while now and look increasingly likely, as they are getting more support within the Government. So if you have any spare cash to invest to age 55, especially if you run your own business and are sitting on more cash than you need to trade and are limiting your drawings to reduce income tax, now may be an opportunity to extract money from your business more tax efficiently than any other method. Don’t wait until the Autumn statement if this is the case, seek advice or this massive tax saving opportunity may well be lost.

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

Some elements of business and corporate advice are not regulated by the Financial Conduct Authority. 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.

www.thelocalbusinessguide.co.uk

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What’s On In Rayleigh LINE DANCING Sunday 21st October 2018 Starts: 8.00pm to 10.30pm Location: Royal British Legion, 2 London Hill, Rayleigh SS6 7HP. Come along for some line dancing in a friendly atmosphere with Mick. Contact: 01268 776503

TEA DANCE Wednesday 24th October 2018 Starts: 1.45pm to 4.15pm Location: The Mill, Rayleigh, Bellingham Lane, Rayleigh SS6 7ED. Tea Dance for all your ballroom latin and sequence dancing. Large Hall, great music, friendly atmosphere. Car Parking available. £6.00 – pay on the door. Contact: 07880 605105 or 07709 947671

BINGO NIGHT

Wednesday 24th October 2018 Starts: 7.30pm for 8.00pm start until 9.30pm Location: Royal British Legion, 2 London Hill, Rayleigh SS6 7HP. Bingo plus Hoy Bingo plus Irish Bingo! Contact: 01268 776503

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


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Are you looking for high quality, individualized, flexible and compassionate caring in your own home? • Free assessment • Assistance with all personal care needs • Respite, shopping and light house chores • A company owned and managed by registered nurses • All carers have a DBS check and full training programme • Rated CQC as good

Please call: 01268 761459 or email: info@brooks-care.co.uk

All plumbing & heating work undertaken Reliable, professional company Call us on:

07802 412385 onyxplumbing@outlook.com

www.onyxplumbandheat.com 18

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


Local Community

Castle Point Association of Voluntary Services (CAVS) Would you or someone you know benefit from the Keep Safe Scheme?

K

eep Safe is a charity working in partnership with Local Authorities, Community Organisations, businesses and retailers across the county to provide a network of high street venues for vulnerable people to access. Keep Safe aims to help vulnerable people in Essex feel safer and more confident when they are out and about in the county’s town centres. The scheme offers a free Keep Safe pack to vulnerable people. The pack provides a small Keep Safe card and/or keyring tag for someone to insert details of their preferred emergency telephone contact numbers. A number of shops, businesses and libraries in the Rochford and Rayleigh District and Castle Point Borough participate in the scheme and clearly display the Keep Safe logo in their window. If someone experiences difficulty, harassment, or is in trouble or distress when they are out, they can look for a nearby Keep Safe venue, show them their Keep Safe card/ keyring tag and ask the venue to make a call for help to the contact number on the card or keyring tag.

A list of venues in Essex can be found on the Keep Safe website: www.keepsafeessex.org.uk For more information, or to request a Keep Safe pack, please contact: Email: info@keepsafeessex.org.uk Tel: 01702 546 366 or 01268 772 796 – Keep Safe in Rochford & Rayleigh District Tel: 01268 882461 – Keep Safe in Castle Point www.thelocalbusinessguide.co.uk

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


COST EFFECTIVE LEAFLET DELIVERY From £25 per 1,000 GuARANTEED DELIVERY bY OuR OWN TEAmS

ALL DELIVERED TO RESIDENTIAL ADDRESSES

Rayleigh

Castle Point Call Ricky 01375 402546

bringing local businesses to local people

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Rayleigh Community Scaft - Supporting Carers And Families Together

S

caft - Supporting Carers and Families Together is a Rayleigh based organisation with the objective of relieving the social, emotional, mental, physical and educational needs of Carers and their families. This is achieved through the provision of support, personal and group centered interventions, advice, guidance and sign posting to other services as appropriate. Support is offered to both adult carers and young carers between the ages of 6 and 18.

Scaft can help if you you look after or care for a family member, friend or neighbour who has a physical or learning disability, a mental health condition/illness, a long term illness/condition, drug and alcohol related issues or has been subject to, or witnessed domestic violence. Young Carer Services Scaft provides the following support for children, young people aged 6 to 18 and their families:

Adult Carer Services Scaft provides the following support for adult carers: • Carers Cafés providing unpaid carers with a break from caring and the opportunity to meet with other carers and make new friends • individual support, advice, information and signposting to other services • a range of activities at the Cafés and outings including meals out and theatre trips All staff and Volunteers at Scaft have an Enhanced DBS check, are experienced and fully insured. Full dates of Scaft’s Adult and Young Carer services are available on their website www.scaft.org.uk or call 01268 741811.

• fortnightly group sessions with a range of activities, including the chance to learn new skills • the opportunity to meet with other children and young people who understand the challenges of caring • activities and outings during school holidays, these include cinema, bowling, horse riding and adventure centres • one to one support in local Secondary Schools

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


Family Bathroom/ Ensuite/ Walk in shower room for only £4995.00 Designed / Supplied / Installed Fully installed

Including wall and floor tiles

www.bathtubonline.co.uk

Call Bathtub for a FREE quote on 01245 269778 3 showrooms in Chelmsford, Maldon and Rayleigh

LDS Decorators Painting and Decorating (LPAS)

Interior Decorating

Exterior Decorating

01268 777835 • 07715 613000 Commercial Decorators

Conservatory Cleaning

•Domestic & Commercial Painters & Decorators • Great Service•

•www.ldsdecorators.co.uk•

www.thelocalbusinessguide.co.uk

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Top Money Saving Tips Stop buying big brands! Most shops own brand items are made by the same people, just packaged differently and priced better. So why pay for the privilege of eating well known branded foods when an own brand tastes the same!

Watch the pennies! If you keep a record of every single penny you spend for at least one month; you’ll learn a lot and then later save the money you realized you wasted!

Haggling! You’d be surprised at the number of places you can haggle prices. From furniture stores to car dealerships to your local electrical store, by being friendly and just by asking you can get the price down on almost anything. If you don’t ask – you don’t get!

Switch off the plugs! A standard CRT television set still uses 2 watts of power on standby, with LCD and plasma screens using even more. According to the Energy Saving Trust, switching stuff off instead of leaving it on standby saves the average household at least £37 a year; it’s also helping out the environment!

Shop at cheaper places! Instead of buying higher priced products in premium supermarkets, make a visit to the less fashionable supermarkets. Your shopping experience might be a little lacklustre but it’ll be worth it when you see how much less you’re paying at the checkout. Stay organized! Computers are used by companies to save money. If you have a computer or laptop at home, use it in the same way. Use a spreadsheet to help with your budgeting. Keep your bank balance on it this will help you to stay organized and you can also use it so that you do not forget important dates. Interest! There is no such thing as 0% interest. When you see that advertised, it simply means that the cost of the interest is in the purchase price. If you are in a position to pay cash, then ask for this money back. The salesman may give you some trouble, but ask to speak to the manager, who may well cut the price to you for cash.

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Walk! One of the biggest money saving tips: walk don’t drive. If you need to get a paper at the shops, go on foot. It might not be practical if you’re off to do the weekly shop but by not driving your helping the environment by cutting carbon emissions, saving money and losing weight by walking everywhere! Layers in the winter! When it gets cold put on an extra layer instead of turning up the thermostat. There’s no point having the house heated and wasting money on electricity bills when putting on a cosy knitted sweater will do the job just as well! Online comparison sites! It might be annoying and feel like a waste of time, but checking the price of your household services, credit cards and loans with comparison sites like moneysupermarket.com could save you a lot of money; just take some time out to get organised!

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


• BOILER SERVICING from £50 + vat

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SERVICES OFFERED • BOILER REPAIRS • FULL HEATING INSTALLS • RADIATORS • ALL ELECTRICAL WORKS

ONE OF THE ORIGINALS!

E-Mail : info@castlepointgas.co.uk Web:www.castlepointgasandelectric.co.uk www.thelocalbusinessguide.co.uk

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TO ADVERTISE IN ANY OF OUR LOCAL BUSINESS GUIDES

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