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Apperley Honing - 07/11/2011
Hone is where the heart is
In terms of its subcontract offering, Apperley Honing has a longstanding pedigree that stretches way back to 1963 when Theo Sanders and Peter Smith started the company. Today, Theo's son Charles is at the helm and just to keep family traditions well and truly alive, Charles' son Luke has recently started working for the company in the production control office.
The operation makes effective use of some 20 fully commissioned honing machines (mainly Sunnen, Delapena and Barnes) capable of honing bores from 3mm to 750mm in lengths up to 17m in virtually any material. From its facility in Cheltenham, the company employs around 14 highly skilled members of staff – many of whom have been with the company for over 20 years. In 2008 Mr Sanders set-up Arthur-Sanders with David Arthur, managing director of honing equipment specialist Delapena – which also, at the time, operated a subcontract honing service. "This venture made sound business sense," recalls Mr Sanders. "We took over Delapena's subcontract honing business and the new company was formed to handle the buying and selling of quality used honing machines and related equipment. Of course we use honing machines in our own subcontract business so the arrangement worked very well as we had access to a number of quality used machines as they became available – many from Delapena's own range."
Supply and service from a single source
In November 2010, Mr Sanders acquired a 100% shareholding of the Arthur-Sanders company and Apperley Honing Machines was born. The arrangement suited both parties – Delapena could focus on its main business of selling new machines whilst Apperley incorporated the used machine business into its own operations. "The two arms of the business now are inextricably linked," Mr Sanders observes. "The new company name Apperley Honing Machines represents a single source for quality used machines, subcontracting services, consumables and support. "In reality it's often an evolutionary process," he continues. "Customers will start working with us purely on the subcontract side but then if business levels increase it often
British Sausage Week - 03/11/2011
Building up an appetite for british sausage week
YOU’VE heard of builder’s tea, now there’s a builder’s banger too.
The new sausage recipe designed to sustain hungry workers was created by county butcher Checketts of Ombersley to celebrate British Sausage Week.
They then cooked up the sausages for 40 builders at the Redrow Homes’ Earl’s Park development in Worcester to sample.
Builders can burn up to 300 calories per hour on manual labour so the pork sausage with nutmeg and coriander should be perfect to keep them going.
Butcher Phil Checketts said: “Construction is hungry work and we wanted to give the builders a sausage that would help get them through the day.
“Sausages are an excellent source of high quality protein and contain essential amino acids necessary for growth, maintenance and repair of body tissue, making them ideal for those with manual jobs.”
British Sausage Week runs until Sunday.
Estate Planning- 01/03/2011
The Benefits of Whole Life Insurance
Nearly all of us will wish to pass on a legacy of wealth to our loved ones, children and grandchildren and one of the most common ways of doing this is to pass on our assets such as our home and our savings, after our death.
Many of us save on a regular basis with ISA’s, deposit accounts and children’s saving policies all providing a lump sum at a predetermined date in the future to coincide with university fees or a special birthday.
However an alternative way of providing a lump sum for an individual or a number of beneficiaries could be Whole of Life Insurance. Such a policy would need to be written under trust, in order to ensure that the proceeds on death do not form part of the deceased estate. These policies will provide a predetermined amount on your death in return for an individual insurance premium.
Based on average life expectancy of 83 years, for a female aged 60, with a monthly premium of £100 the sum assured on death could be £54,817. This amount gives a return on the total premiums (£27,600) of 98%.
So although the premium would have been paid for 23 years, it would have required 46 years of payments before you had paid in an amount equal to the sum assured.
Rate of Return
If you were to save £100 per month with an average interest rate of 3% net compounded annually it would take approximately 29 years to produce a return of £55,000.
Therefore when considering passing wealth onto future generations it may be worth considering all options available to you. Of course regular savings can be accessed at any time where as a whole of life insurance policy is payable only on death hence the importance of matching your objectives with your financial planning.
Guaranteed Premiums through your Life.
Guaranteed Sum Assured payable to your selected beneficiary.
Premiums can be used to reduce your taxable estate for Inheritance Tax Purposes.
Proceeds can be used to cover funeral expenses.
If you would like further information about Estate Planning please contact Daniel Middleton on 01902 425239 email@example.com