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How To Improve the Energy Efficiency of Baxi Boilers

With energy prices seeming to be constantly on the rise, homeowners are always on the lookout for ways of saving money through lower energy bills. Fortunately, one of the best ways of cutting energy is by taking steps to make a Baxi boiler more energy efficient. While Baxi already produces some of the most energy efficient boilers on the market, homeowners can always take further steps to help improve the environment and save them money on their next energy bill. Energy saving tips can range from the simple, like fitting pipes with insulation, to the extreme, like getting a brand new boiler installed. This article will look at just a few of the measures homeowners can take to make their boiler systems more energy efficient and thus cut their energy bills at the end of the month.

Use Room Thermostats

Installing a room thermostat is a great way of being able to control the temperature in individual rooms. Having better control over a homes temperature will go a long way in cutting down on wasted energy. Room thermostats can save consumers about 70 a year and they will go a long way towards protecting the environment. Once the room thermostats are installed, homeowners should turn down the temperature until it is warm enough to still be comfortable. Turning down the temperature just one degree can make a world of difference, and could save families 65 a year.

Hot Water Cylinder

Similarly, most UK families keep the temperature of their hot water cylinders up too high, which is not only wasting energy, but costing consumers more in higher energy bills. The ideal temperature for a hot water cylinder is 60 degrees Celsius, which is more than hot enough to still be comfortable for most homeowners. Water that is kept any hotter than this is not only wasteful, but it runs the risk of scalding human skin it comes into contact with. To make the hot water cylinder even more efficient, the main tank should have a tank jacket wrapped around it. Additionally, any pipes around the tank that are exposed should be insulated. Insulation will not only improve energy efficiency, it will also help the system last longer and perform better. The total cost for the tank jacket and insulation should cost no more than 30, while it could save families 60 a year in lower energy bills.

New Boiler

While all of the above recommendations are good and cheap to follow, by far the best thing people can do in order to cut their energy bills and improve their homes efficiency is to invest in a new energy efficient boiler. It is usually fairly easy to determine if a boiler is in need of replacing. Older boilers usually have a pilot light which burns continuously. The pilot light itself is not only wasteful, but these older boilers also have much lower efficiency ratings overall. Newer boilers have pilot lights which light automatically whenever the boiler is put into use, meaning that less gas is wasted when it is not actually being used by the homes occupants. In fact, the newer energy efficient models have an efficiency rating of up to 90 per cent. From a consumer standpoint, this increased efficiency could translate into an annual savings of over 300, not to mention a household that is much gentler on the environment. Of course, the main disadvantage of getting a new boiler installed is that they are very expensive, often running into the thousands of pounds. However, compared to the savings possible, a new boiler may be worth the investment. Furthermore, grants and trusts have been set up that can help the most disadvantaged improve their homes energy efficiency thus saving them money.

Many consumers are seeking to improve their households energy efficiency for a variety of reasons, ranging from wanting to save money on energy bills to trying to do some good for the planet. One of the best ways of cutting down on carbon emissions is by improving a houses current Baxi boiler system. By taking the measures listed above, whether that means buying a new energy efficient boiler or simply reducing a homes temperature by just one degree, homeowners will be doing their part to make the planet a little greener and their utility bills a little lighter.

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The Demand For Construction Management Jobs

It doesn’t take the intellect of the greatest economist alive to see that the demand for construction managers is huge in the UK at the moment. What might be worth explaining a little more is just why this is so for it isn’t simply to do with rising house prices or a booming market.

The first and most obvious one is that the Olympics are coming and while everyone’s desperately hoping that they won’t be the usual financial nightmare they are also hiring construction managers as fast as they can to try and make sure that it won’t be. Given that this is government work though that hope might still be in vain.

The second on is a little more subtle. We all know from the Daily Mail (and of course industry experience) that the country is awash with Polish plumbers and Czech chippies but this very expansion of a low cost workforce increases the demand for managers in two ways. The first is the obvious one that more workers means more managers. The second and less obvious is that a lowering of the costs of labour means that there’s more money to go somewhere: obviously this isn’t going to the buyers in the form of lower prices and similarly, some of it is spilling over into the hiring of those specialist managers that everyone’s always had a hankering for but could never really afford before.

The third thing driving the increased demand for construction managers is the way in which the industry is becoming ever more complex. Where health n’ safety used to mean hard hats and decent scaffolding there are now dedicated managers on every site tasked with nothing other than making sure the detailed rules are followed. Similarly, the increasing complexity of environmental regulation is meaning greater demand for such specialists. Whether such detailed rules are really needed is another matter but there can be no doubt that they’re driving up the demand for skilled managers in the construction industry.

We at Talisman also have another source of information of course. As experts in the sourcing and provision of managers to the construction industry we can see what demand is simply by monitoring what is crossing our desks. As we as recruitment specialists are, well, as you might think is obvious, recruiting people for the industry, we can see that demand is going up when our clients are tasking us with finding more such managers. The answer here is, yes, there is indeed strong demand for those looking for construction management jobs.

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How To Buy A Property Through Bank Auction

Besides announcements in newspapers by banks, are there any other sources from which a potential buyer can get information on property auctions? Are they other websites such as foreclosureindia.com?

Ans: Other than announcements in newspapers some banks update the notices in their own websites, i.e the interested investor has to visit 83 Bank Website for information. Foreclosureindia.com
is the only website providing such information free of cost across the nation for 33 cities covering almost 80 % area of India. The details of other sites along with comparison with those site is attached.

2.) Usually, how much is the earnest money deposit which a potential buyer needs to put up? Is it always upto 10% of the reserve price or can it be more/less? How much is the reserve price usually? Is it always at a discount to the market rate?
Ans: i. The Earnest Money deposit is usually 10 % of the reserve price. In some cases, the DRT’s are mentioning even 5 % also.

ii. Th reserve price is finalized by the Authorized officer in consultation with the approved valuer.
THE SECURITISATION AND RECONSTRUCTION OF FINANCIAL ASSESTS AND ENFORCEMENT OF SECURITY INTEREST ACT, 2002
8 (5) Before effecting sale of the immovable property referred to in sub-rule (1) of rule 9, the authorised officer shall obtain valuation of the property from an
approved valuer and in consultation with the secured creditor, fix the reserve price of the property and may sell the whole or any part of such immovable secured asset by
any of the following methods:–
(a) by obtaining quotations from the persons dealing with similar secured assets or
otherwise interested in buying the such assets; or
(b) by inviting tenders from the public;
(c) by holding public auction; or
(d) by private treaty.

The approved valuer will give two prices (a) Market value (b) Dis stressed value. This Dis stressed value will be generally 20 % to 30 % less than the market value. The authorized officer will finalize the reserve price based on the dis stressed value or as per his discretion.

iii. It is always at a discount to the market. Otherwise, Investors will not buy these properties due to two reasons. (1) 100 % white money is to be paid and source of funds are to be shown . (2). Registration charges are to be paid on the total amount. Generally in some of the states, around 40 % black money is being paid for buying of the properties and registration charges will be paid on 60 % white amount only.

3.) Can winning bidders obtain bank loans to buy the property? Will the same bank auctioning the property lend to the buyer?

Ans: i. Very few winning bidders are taking loans to buy these type of property due to the following reasons. (a) Loan has to be processed and disbursed with in 15 days, very tight schedule for processing of Housing loan. (b) Some Bankls like IDBI Bank, LIC Housing Finance and to some extent ICICI Bank are not encouraging to give loans for these type of properties. Further, in some cases, the same bank may lend to the buyer it depends on the credibility of the buyer.

If Reserve Bank of India issues a policy guide lines for sanction of Housing loans to these type of properties , then the percentage of sale of these type of properties will increase from around 50 % to at least 70 %.

4.) As I understand, full payment needs to be paid by the winning bidder to the bank within 15 days from the date of acceptance of the bid, else money already paid is forfeited. Given this tight timeline, is taking a loan (if possible) a practical option? Does this then restrict the property auction process to HNIs who have funds ready?
Ans: 1. Yes, full payment is to be made with in 15 days from the date of Aauction, else money already paid is forfeited.
2. Taking a pre approved loan is the practical option to buy these type of properties.
3. You are right partially and as per our observations, the NRI’s are also buying these properties.( Who are working in Arab countries & USA, UK etc ) .
Around 13 % of the visitors to our site are coming from USA, UK, Arab Countries, Singapore, Australia & New Zealand etc.
4. We have observed that some of the banks are extending the time to 30 days, in some cases.

5.) What are the chances of auction price being bid up sharply by potential buyers? If this happens, it would take away from the main attraction of the auction – getting the property at cheaper rates that market prices. When/How often does such a situation arise?
Ans: As per our observation, if the Banks have put 100 properties for auction, the success rate / sales may be like this.

1. No bidders are coming for around 45 properties , due to improper reserve price, No publicity, external political situations like Telangana issue etc. These properties are laying with Banks as unsold and they are providing provisions in their balance sheet for these NPA’s.
2. One to three bidders are coming for around 45 properties , the final auction price is being settled nearer to reserve price only.
3. Three or more than three bidders are coming for about 10 % properties and auction is being held and the final auction price is higher.
In our view, if any one is interested about any property, he/ she will have chance of winning that property is around 85 %.

6.) Does the as-is where-is clause increase risks for the buyer in the form of hidden costs, or is the buyer indemnified by the bank?
Ans :The hidden costs are mainly property tax, power/water/phone bill, maintenance fees such costs can be found by normally speaking to the head of the society/apartments. The buyer should always check these hidden cost before placing a bid for it. The Banks will not indemnify on paper. However, the Banks will put their efforts to resolve any issue arises considering their reputation.

7.) What is the risk of legal dispute after the buyer acquires the property? Can the original owner or other buyer competitors go to court, and cause trouble for the buyer?
Ans : After the property is sold there is no legal risk. In some cases the auction is conducted while the case is still in court. In such cases, once the case is settled the borrower is given an additional 15-30 days time to clear the dues. If the borrower is unable to do so, then the sale certificate is issued to the buyer. If the borrower settles the amount then the amount deposited by the buyer is refunded. :

8.) From the perspective of the buyer, are offline or online auctions better?
Ans : Online auctions are better. At present, Karnataka State Financial Corporation, Matexnet.com, and arms.net.in are conducting online auctions for selling of immovable assets in very limited way.

9.) How popular are online auctions by banks? Has it picked up? Why or why not?
Ans : Online auctions are less than 4 % of total auctions. Our view is that online auctions are in nascent stage in India. A lot is to be developed in terms of Technology, Processes, awareness, adaptability.

We have a vision to conduct online auctions in seven cities i.e tier I & II cities, New Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Pune & Kolkatta in near future. We want to conduct the Auctions on fixed dates every month.

Health and Safety in the Construction Industry

Health and safety in the construction industry simply means identifying various types of risks and controlling or totally eliminating them to prevent accidents from occurring to the work force. All construction site work must comply with UK health and safety rules and regulations. Health safety consultants including a CDM coordinator have a great deal of tasks to carry out when it comes to health and safety of workers in the construction field.

When accidents occur, companies have to go through human life losses as well as treatment costs. Potential impacts that can arise due to accidents also include higher insurance premiums, lost of precious time and also materials, as well as compensation claims and legal costs. Indirect costs such as possible damage to the good name of the company which can later create problems towards attracting probable customers. Hence it is necessary to have good health and safety practices in order to display respect for employees, clients, customers etc. According to reports, the construction industry has one of the highest rates of accidents out of all the employment sectors. Therefore by hiring a professional safety consultant your company can minimize the risks.

Everyone who is involved in construction is somehow or the other responsible for health and safety on site. Designers and planners should ensure that their designs provide a safe and healthy environment to the end user and while constructing the design, they should also be cautious that none of the workers are affected by hazardous implications. Construction workers have legal rights to safe working conditions and safety equipment should be used at all times to protect themselves rather than blaming the company all the time for not having a safe environment for them to work in.

Risks involved in the construction industry include mainly falling from heights, objects falling from high places atop workers or striking them being the most common. Workers can be injured by being caught or trapped within small construction units, get hit by moving vehicles, get electrocuted by loose cables, fires and explosions, lifting and carrying heavy objects as well as health hazards such as chemical gas leaks, dust, heat, noise, vibration, radiation and compressed air etc. So it is important that as a company that you should construct a proper health and safety plan before you start off your construction phase.

Choosing the Best Energy Suppliers

The energy suppliers have become a basic requirement to complete our daily tasks, whether for cooking or cleaning. And the dependence on these utilities has increased the demand for electricity and gas supplies. Comparatively, the boost in demand has influenced the number of energy providers. There are many gas and energy suppliers in the UK. There is cut throat competition between suppliers and each of them tries to reach the next level.

Several plans and profit rates are offered by these energy suppliers to attract more and more users. Despite the fierce competition suppliers have benefited greatly and people at the same time. In a physical market it’s really difficult to analyze the services of these energy suppliers. And it is even more difficult to compare plans, rates and prices. It requires a great deal of effort, time and money and even after this it’s hard to decide whether the selection is correct or not.

The solution to this problem is provided by the virtual world. The presence of gas and electricity providers online has provided a convenient platform for people. There are so many websites dedicated providing full details on energy suppliers. Here users can view all the details of any provider.

The acquisition of these services and changing to a new one is not an easy task in the physical marketplace. A person is supposed to fulfil various appointments to discuss the details of the different energy suppliers. And the comparison of two suppliers in price and service is almost impossible. But on the Internet, many online comparison portals facilitate the user to select the best provider and most affordable one.

Here a person has to complete a single offer to acquire the services of a particular vendor. In addition when switching to a new energy suppliers it is also easier, because there is no paper work. There is another way to choose the cheapest energy provider. Along with these online portals comparisons you can analyze effectively. People can rely on these companies due to its practical analysis.

Price to hire these energy suppliers is a major problem for everyone and people try to avoid the changes in the market. A solution to this problem is presented in the form of price caps. Capped tariff means a specified price during a specified period of time and this will not be influenced by the change in market price. But as a major drawback it requires a contract with terms and conditions.

All information and details of the energy suppliers is provided on the Internet and online comparison portals have simplified the method of selection of suppliers of cheap energy. These websites will definitely help in finding energy suppliers by saving a lot of effort, time and money.

The authorized websites of the suppliers are very active in this view. You can visit these sites to obtain information about the current prices of gas and electricity.

On the other hand, there are several websites that allow members to see the prices of different energy suppliers in one place. You also get the facility to compare prices and services of these providers and can choose the most appropriate to meet their needs.

For information about energy suppliers must enter their postal code area as well as details about your current provider. After this you will get a complete list of energy suppliers with their prices, available in your area.

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The Economic State Of Affairs Of The Construction Industry

The development business is terribly vital to the UK’s – and indeed to the globe’s – economy. Within the UK, it accounts for additional than ten% of the country’s gross domestic product and employs an estimated 2.5 million people. Within the last three years, an extra ?33 billion has been created offered to the current sector to increase public services. Included in this figure are major investments in transport, health and housing. As the trade is investment-driven, it is subject to the strictures of economic upturns and downturns; during the recessions of the mid 1980’s and the early 1990’s, there were vital downturns. However, in the late 1990’s, there was a marked swing in the opposite direction.

Our construction trade, by terribly nature of its geographical location, is not subject to the full influences of cross-border competition that are in proof in mainland Europe. But, construction industries worldwide are suffering from the current economic climate and the increasing rise in fuel prices. For the earlier part of 2008, the German construction trade showed a marked upturn, however this slowed and tailed off later within the year, thanks to the increase in oil prices and the slowing economic pace of the many industrialized countries. Additionally to economic factors, there’s a turn in the tide of ecological factors. In America, the number of folks citing World Warming as the foremost important environmental issue rose from eleven% in 2003 to 35% in 2006. The construction business faces new challenges in replacing and renovating buildings with minimal environmental impact. At the same time, the price of these precautions must be measured against potential profits.

But, despite the factors that seem to be conspiring against it, the construction business moves at a terribly quick pace and is an ever-changing entity. Whilst legislation is forever altering, new techniques, technology and strategies are developing to keep up. With the event of recent practices, new jobs in construction are perpetually being created. Within the UK, the Home Workplace has released figures stating that the three construction jobs that are most lacking in applicants are those for transportation and highways engineering, ground engineering and contaminated land specialists. With major infrastructures and building developments going down in the South East of the UK, such as the 2012 Olympics and therefore the Thames Gateway regeneration, construction recruitment during this area is ready to soar. Britain’s Olympic Games will have 30 venues and a budget of ?2.three billion. It additionally features a non-negotiable, absolute completion date. As that date attracts nearer, the development business can find itself heavily in demand as pressure and expectation rise. 2012 guarantees to be an necessary year for this trade and many are looking upon it as a likelihood to showcase its talents.

After all, construction takes place across the globe and this provides workers a likelihood to travel with work. Construction jobs need large groups of folks all working to a typical goal and, while the life-style will be quite temporary, several get used to it and realize it a liberating existence. Some comes are short-term, while others can last for years – like the construction of an oil refinery.

Are Social Energy Tariffs As Fair As People Think

When social tariffs were first proposed, they were not seen as being fair to everyone. The idea was to combat excess winter deaths by helping UK residents that were at risk of fuel poverty to pay their bills with a discounted rate. However, that discount would be heaped on the backs of wealthier customers who would then make up the difference. The effect was to be temporary as the Green Deal would then help more and more UK residents to adopt green technologies that would reduce the overall energy demands of the country via grants and other types of financial assistance. Now that the social energy tariffs are being replaced by the Warm Home Discount, the same question arises with respect to the most vulnerable groups in the UK. Is it fair to get rid of social tariffs that the broader group needs to keep heating their homes?

Low Income Group Has Green Options

The UKs energy strategy continues to evolve as it seeks to reduce its dependence on outside energy sources while maintaining social protections in place for its more vulnerable citizens. The social tariffs were never meant to be a permanent fixture, as the policy outline in 2009 indicated that the effect would be temporary based on the implementation of the Green Deal technologies. For that reason, numerous schemes were put in place to help low-income citizens improve the draughty homes so typical of Britain using insulation, window-glazing, and other services. Many of these services were provided for free to qualifying low-income households. Also, those who could afford to implement these technologies and pay for them were also helped to find ways to achieve these goals. None of these energy schemes are expected to last forever, however, and even the Warm Home Discount is to expire in March 2015.

Keep An Eye On Excess Winter Deaths

There is data to indicate that the social energy tariffs, along with other grants and energy improvement schemes, have helped to reduce the excess winter death rate in the UK. While there were 24,000 excess winter deaths for the winter of 2011/2012 in England and Wales, that figure represents an 8 per cent drop from the previous winter. The social tariffs are being slowly phased out, with many of them being replaced by the Warm Home Discount for the 2013/2014 winter seasons. Even though no one can tell how much warmer home are in the UK, if the schemes have done their job and the Warm Home Discount is doing a fair job of it, then this number should continue to decrease. If it goes up, it will be a huge indicator that more changes need to be made to the UK energy strategy, not just to make it fair, to avoid killing more residents.

Fair Deals Change With Government

A question of fairness is always going to be an issue with social reforms. However, political parties tend to see fairness in their own terms. This does lead to changes in how schemes are planned and implemented, or whether they are eliminated altogether. Some would suggest that the Winter Fuel Payment changes are unfair to expatriates who live in countries deemed “warmer than the UK” even though the winters may be equally harsh. These UK residents will no longer be eligible and may suffer undue hardship. However, with the change of government, comes a change in the ideals of fairness. The new government believes that it is not fair to continue to pay for heat subsidies that are going to people who arent even in as drastic a need of them as others. As policies change, so do social tariffs, with the eye towards creating reforms that hit realistic targets and that do good in the community of people it is meant to serve. None are meant to be permanent, nor are they meant to require no further changes once they are implemented. As the UK faces the harsh winter ahead, social tariffs may be a thing of the past, but the ideal to create a fair society where even the most vulnerable have a chance at being able to pay their bills has not. It is merely changing and adapting towards newer social reforms that meet the needs of the population as a whole.

What You Should Know About Theft of Construction Equipment

People often think that it’s basically impossible for construction equipment to be stolen, since it would be pretty noticeable if someone started driving a crane down the street. But, many construction equipment thefts are easy to conduct for quite a few different reasons. It’s actually really easy to get away with, and has become commonplace in countries such as the US, Canada, Japan and Europe. People should, therefore, be made aware of such thefts going on in their areas.

Because construction equipment doesn’t come with doors or locks, they are easy for burglars to break into. Thieves feel that hi-jacking construction vehicles is a piece of cake compared to most other types of vehicles. And people won’t be able to tell if the equipment being driven is being operated by a thief or construction worker. Most people wouldn’t recognize a piece of construction equipment if it was camouflaged somehow.

Thieves find it beneficial to steal this kind of equipment because it can command a high price on the black market. Forklifts alone can fetch a price of $12,000 to $50,000, and thieves could sell a generator for $150,00 a pop. Because constructions sites often have lots of these kinds of equipment, it’s easy money for clever thieves. Criminals are very fond of stealing construction vehicles for these reasons, not to mention the fact that most construction sites are unsecured and the vehicles are left out in the open with no protection.

The problem has become too severe to be ignored any longer. According to statisticians in Japan, roughly 450 pieces of construction equipment was stolen in 2008 alone. While in the united states, the National Insurance Crime Bureau found that nearly a billion dollars in construction equipment is stolen and sold each year on the black market.

To date, numerous government agencies and manufacturers of construction equipment have tried their best to prevent this theft from continuing. In the UK, construction equipment registration systems make it easier for the police and the companies who own the equipment to recover their stolen goods.

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Buying Tyres Online Quality, Discount Prices and Free Shipping

Top brand tyres with the best price/performance ratio.

London: The well-known online shop Pneus Online delivers directly top brand tyres to customers home or to a partner fitting station. Customers can save up to 50% by buying over the Internet.

Car or motorcycles tyres ordered on Pneus Online are delivered for free to any address or to one of the partner fitting stations. All tyres sold on the website include a manufacturer warranty.

Winter tyres, summer tyres, SUV tyres, rally tyres, competitions car tyres, mud-and-snow-tyres or all season car tyres are sold on Pneus Online. The company has one only goal: offering quality at the best prices on the web. Prices are permanently adjusted to the competitors ones, so it is always worth having a look on the website to find the best bargain.

Pneus Online has a network of 500 fitting centres throughout the UK for the delivery and the fitting of the tyres. The products are delivered for free within 3 to 5 business days. The online tyre shop even enables its customers to have a real time tracking of their parcel. Placing an order is as easy as pie on the Pneus Online shop. Tyres for any vehicle can be found very easily thanks to a smart and fast search engine. In just a few clicks the order is placed. The tyre company also offers a large range of secured payment methods.

Pneus Online provides online advice and suggestions to help customers to choose the best tyres. Tyre reviews and tyre tests will guide them to choose the right tyres for their own vehicle. If the rich content of the website is not satisfactory for the customer, he is free to contact the friendly Pneus Online team, which can give further advice and information. The Pneus Online team has been trained by experts of the tyre technology. Buying tyres has never been never as easy!

Pneus Online became the first chioce of European customers when talking about buying tyres online. You can also find a technical advice in the website so as to help the customers choose the best tyres for their car or motorbike.

Pneus online goes way beyond being a simple store: Not only customers can purchase new tyres, but they also can sell their old car or motorcycle on Ads Pneus Online UK Advertising and selling a car or motorcycle is free as well.

The whole range of tyres and all the information to choose the right product is to be found on Pneus Online website