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Knock Up To £1000 off Your Annual Energy Bill

Winter is moving closer, and you may be wondering if you can make any changes to your home to reduce your energy costs. This is a question in on the minds of most households, since many individuals and families are feeling the pinch from the rising costs of energy....

Be Smart and Don’t Get Scammed Online

Many individuals receive ‘interesting’ or ‘exciting’ emails telling them that they have ‘won’ a large sum of money. They will usually ask you to confirm your name, bank account details, and even job details. This is a phishing attempt for information, which will give...

Three Most Common Causes for Roof Leaks

Three Most Common Causes for Roof Leaks

Three Most Common Causes for Roof Leaks If left unattended, roof leaks can be the culprits of doing a lot of damage to your home. You should carefully inspect your roof for any signs of leaking and if there are, you should promptly do repairs to prevent significant...

Knock Up To £1000 off Your Annual Energy Bill

Knock Up To £1000 off Your Annual Energy Bill

Winter is moving closer, and you may be wondering if you can make any changes to your home to reduce your energy costs. This is a question in on the minds of most households, since many individuals and families are feeling the pinch from the rising costs of energy. There are many ways to stay warm this winter without the need to turn up the thermostat.

Use Energy Saving Light Bulbs

Yes, these light bulbs are more expensive than the traditional bulbs, but they can give you hours of usage at a very small cost. Halogen lights look very modern and can be placed anywhere, but they are expensive to run. Instead, invest in LED lighting, which can shave almost £100 off your annual electricity costs.

Invest in a Thermostatic Radiator Valve

At a cost of just £30, a thermostatic radiator valve can save you up to £150 off your annual heating costs. If you know the exact temperature of your radiators, you can turn down the valve and save money.

Great Savings With A New Boiler

A-rated boilers are one of the most energy-efficient ways to heat the home, and they can also save you money. Although a boiler of this type can cost several thousand pounds, a condensing boiler could save you up to £315 per year. A combination boiler is another option, as it provides instant hot water, plus many companies will offer you a discount off a combi-boiler if you trade in your old boiler.

BE SMART DON’T GET SCAMMED ONLINE!

Deal With Lime Scale

Much of your annual energy costs could be down to hidden lime scale, which can accumulate in your pipes, dishwasher, and washing machine. The Carbon Trust has said that a lime scale build up can increase an energy bill by 7 percent. Deal with lime scale issues early and you could save up to £200 in energy costs.

Switch Suppliers and Save £££

Using a comparison website to switch energy suppliers can guarantee you the cheapest deal, and it costs nothing to switch. It generally takes around three weeks to switch energy suppliers, and you could end up saving around £383 per annum. Dual fuel customers (gas and electricity) may receive a discount, plus you may also be able to save more if you pay via Direct Debit. You will also be covered under the Direct Debit Guarantee.

Insulation Saves Up To £300 Per Year

It is entirely possible to save up to £300 per year and that is to insulate your home. Loft insulation is the best solution for your loft, while foam insulation is another effective way to heat a home as this insulation is placed between external walls and bricks. The Energy Saving trust states that much of the heat in a home is lost through the walls or the roof. Although the cost of insulation could reach up to £1000 you could save up to £300 per year. Updating your glass can also save you money, although this solution is expensive. Back to Homepage.

Be Smart and Don’t Get Scammed Online

Be Smart and Don’t Get Scammed Online

Many individuals receive ‘interesting’ or ‘exciting’ emails telling them that they have ‘won’ a large sum of money. They will usually ask you to confirm your name, bank account details, and even job details. This is a phishing attempt for information, which will give the ‘scammer’ important information about you, often enough to steal your identity. They can apply for bank accounts and credit in your name, and if you fail to pay you are left with a default mark against your credit file. The National Fraud Intelligence Bureau has reported that in just over a year, £670 million was reported lost due to online fraud. You don’t have to be the next one scammed out of money if you’re aware of how the scammers work. Some victims of scamming can get their money back. Find out how.

Never Give a Person or Company Private Data

Your name, date of birth, and address details are private, yet many scammers send ‘phishing emails’ in an effort to obtain information. You may learn that you have won the lottery, gained inheritance from a long lost relative abroad, or be asked to ‘confirm’ your details via PayPal or a particular bank account. All that is required for a scammer to open a bank account or apply for a credit card is your name, address, and DOB. In 2013, CIFAS reported that there were almost 130,000 cases of identity fraud. If someone applies for a credit card or bank account in your name and fails to pay the debt, your credit score may suffer.

READ ABOUT CHURCHWOOD FINANCE

If you do online banking and you notice one or more transactions that you are unsure of, phone your bank and explain the situation. They will be able to give you further information about the transactions and help you determine if it was actually you who made the transaction. In addition, if you are victim of online fraud report the incident to the police either over the phone or through Action Fraud. To check your credit file, contact one or more of the credit reference agencies – Call Credit, Equifax or Experian – with your name, addresses covering the past six years, and date of birth, together with a cheque or postal order for £2 and you will be furnished with a copy in around 7-working days. If you notice any incorrect data on your credit file, the agency must investigate the matter and remove it, if necessary.

Avoid Shopping Scams

If you purchase items online and you do not pay through an SSL encrypted merchant, there is a risk that your information could be stolen. In some cases where you do not receive the item that you have paid for, you can take advantage of the Consumer Credit Act, specifically section 75, which covers credit card purchases over £100 up to the value of £30,000. Debit cards are a little more complicated, as you are covered under something called a chargeback, but the monies must have been paid to a single merchant, and not through a third party merchant like Money Gram or Western Union. Any matter relating to finance or insurance can be referred to the Financial Ombudsman Service (FOS), but you must escalate this within six months of the original decision from your bank or insurance provider.

Online Money Phishers

When you are contacted by PayPal, you may notice that they always refer to you with your full name. Online scammers can make the email and website look so professional that you believe it is the company in question, but if the email begins, ‘dear customer’ or many of the other variations, this is a phisher out to steal your personal information. Banks also remind their customers that they will never ask a customer to verify their account details. In most cases, you can report phishers to PayPal, and through your own bank. Avoid giving any personal details to an email that looks and reads professionally.

Churchwood Financial is one of the largest Debt Management companies in the UK.

Churchwood Financial is one of the largest Debt Management companies in the UK.

What is Debt Management ?

“Debt Management lets you get your finance and life back on track.”
“We talk you your creditors to explain your payment problems “
“A sensible balance is restored between your living expenses & loan repayments”

 

Debt Management is an informal process of negotiation with unsecured creditors to obtain a reduction in the repayment amount and / or a reduction in interest charges. The negotiation involves providing proof to the creditor that the individual is unable to meet all their contractual liabilities.\

YOU MAY ALSO BE INTEREST IN COMMON CAUSES OF ROOF LEAKS

Debt Management Process

Our main aim and expertise is to help you resolve your current financial problems in the simplest and quickest way possible. In effect getting back to financial health. We do this by using the following process.

Firstly, we ask you to tell us about your credit commitments, income and expenditure. Our experienced team of advisors will work out a monthly payment you can afford. In most cases, it may take longer to repay your debt, we can obtain significant reductions in your monthly payments.

Secondly, we negotiate with your creditors to reduce your existing monthly payments. Your creditors are not obliged to accept reduced payments or freeze interest. Normally, once hardship can be demonstrated, negotiation can improve your circumstances producing a fairer distribution of money between essential living costs and your credit commitments.
Your new single lower monthly payment will replace all of your existing repayments. Each month you will pay to us your new affordable monthly payment. We will then do the rest. We will ensure that all your creditors are paid in an efficient and seamless manner and each month you will receive a statement confirming that all your creditors have been paid.

Thirdly, every six months we will undertake a financial review. This ensures that you can decided to pay back more the less per month per month, depending upon any change in circumstances. Our debt management programmes are flexible and you can contact us at any time to discuss changes in payment.

Advantages of Debt Management

  • It’s instant – one call and we can take control of all correspondence for you.
  • Flexibility, you can increase or decrease payment as your circumstances change.
  • Unlike an IVA, don’t need unsecured debts of £15K or to become involved in a legal insolvency procedure.
  • So long as you’ve 2 or more creditors and can affords to make payments of £100 per month, you will be accepted onto a debt management programme.
  • Unlike a secured consolidation loan, it will not put your property at risk of repossession
Three Most Common Causes for Roof Leaks

Three Most Common Causes for Roof Leaks

Three Most Common Causes for Roof Leaks

If left unattended, roof leaks can be the culprits of doing a lot of damage to your home. You should carefully inspect your roof for any signs of leaking and if there are, you should promptly do repairs to prevent significant damage from occurring. Quick response when it comes to roof leaks is the best action to take so you can protect your home from long term and potentially irreparable damage that they may cause.

Aging

It’s an inevitable fact that aging is one of the most common causes of roof leaks. Roofs are made from natural or synthetic materials, both of which still vulnerable to a lot of factors like heat, rainfall, snow and other environmental conditions. Because of the structural location of roofs, they’re found on the most exposed part of your house, making it prone to damage which hastens the aging process of the materials even more. As the materials of your roof ages, the quality deteriorates along with its strength, making it less effective in keeping the water out. Changes in the weather are also culprits which contribute to the aging process of roof materials. Because of the changes from hot to cold and vice versa, the roof may become weak, brittle and cracked as months or years go by. Sunlight is also an aggravating factor for aging, melting the tar which seals shingles and also other softer types of materials in roofs.

Debris

When debris builds up on your roof, water can seep in and cause damage, eventually leading to roof leaks. Debris usually made up of twigs, small branches, leaves, pine needles, dirt and other articles can potentially cause leaks in your roof. This is because debris can trap water on the roof and allow it to seep in. Though it may be a slow process, it’s a definite one which leads to damage if left unattended. Roof drains or gutters are made to divert the water from the roof which can cause damage. However, if debris is left alone, it can cause clogging of the drain and trap the water on the roof. Once it does, water has nowhere to go. With a combination of weight, the oxidative process which is hastened by water and other environmental factors, damage to your roof is inevitable. To prevent this, frequent cleaning of gutters, removing leaves and other debris clogged in the drain and clipping off overlooking branches is important.

Gaps and Cracks

When the weather takes the turn for the worse, it can do some damage to your roof. The aging materials of the roof also become a factor in the development of gaps and cracks in your roof. In many cases, these gaps and cracks are left unattended because most of them are small to be seen easily by the naked eye. Holes left by missing nails, small cracks, damage done by mice and gaps in your roof can allow water to seep through and cause more damage overtime. Climbing up to your roof and inspecting on these holes is important to seal or repair them.

The Best Chainsaws for You

The Best Chainsaws for You

The Best Chainsaws for You

What is a Chainsaw?

A chainsaw or chain saw is a mechanical saw that’s portable and usually carried by hand. It can be powered by electricity, hydraulic power, compressed air or a gas-powered engine. It is commonly used to cut trees or lumberjacking. It’s used for things like tree felling, pruning, bucking, cutting and assisting in providing firebreaks in cases of wildfire, harvesting firewood and utilization by tree surgeons for a variety of reasons. Chainsaws that are specifically designed are also used for aesthetic purposes called chainsaw art. Other special chainsaws are also used for other jobs like cutting concrete or stone. Chainsaws are also used in cutting ice for occupational and sports reasons.

What’s the Difference Between Gas-Powered Chainsaws and Electric-Powered Chainsaws?

There are two (2) types of chainsaw out in the market – the electric chainsaws and the gas chainsaws. It was way back several years ago when the ordinary gas-powered chainsaw required, not one, but two people to use it. Compared to the lightweight version of gas chainsaws now, it was a lot heavier and inefficient. But comparing the two has just proved that the chainsaw and how it evolved has come a very long way.

Choosing between these two (2) types of chainsaws, you need to know the specific details on each chainsaw and their uses. Each of them has their own strengths and weaknesses. What are their advantages and disadvantages? Knowing more of them will definitely help you decide on choosing which the best chainsaw is for you.

Electric Chainsaw

An electric chainsaw is a great choice when it comes to accomplishing tasks in a smaller yard. Chores that need less power like pruning, light cutting of trees and wood and trimming are the ideal activities for the electric chainsaw. Compared to the gas-powered chainsaws, electric chainsaws produce much lesser noise, weight lighter, require less maintenance and are easy to start.
Electric chainsaws come in two (2) varieties – those with cords and those which are cordless. Of course, the cordless ones have an increased convenience when it comes to work; however, batteries that power these chainsaws aren’t infinite. Those with cords have a long lasting power but can risk the cord getting cut by the chainsaw if you’re not careful.

ANNUAL ENERGY BILL

When it comes to power, electrical chainsaws are not as powerful as gas chainsaws. They also have smaller bars – the part from the tip of the chain up to the end at the case of the body. Usually, an electric chainsaw has a bar size of only eight (8) up to fifteen (15) inches in length. Because of its lesser power, electric chainsaws have a reduced risk when it comes to kick back. Kick back is when the end of the chainsaw’s bar hits something. When a chainsaw becomes too powerful for you, it can risk you safety by causing the bar to kick back in your direction.

The biggest disadvantage of electric chainsaws is probably its power cord. Though there are cordless ones, the ones with power cords provide a more secure amount of power. The power cord is attached to the chainsaw’s body and if you don’t watch it, you can accidentally cut the cord in half or rip it to shreds. This accident can cause electrical dangers so you should always be careful in using electric chainsaws. But because of its steady power source from electricity, you won’t have to worry about running out of gasoline or engine oil. The ones with cords can easily be plugged in an outlet and you can work away without worrying about the chainsaw dying out on you.

Another advantage that electric chainsaws have is that they produce lesser noise. Compared to the gas chainsaw, an electric chainsaw is much quieter since it doesn’t have a two-cycle engine roaring. This makes an excellent choice between the two if you’re living in a peaceful community and you don’t want to disturb your neighbors. Electric chainsaws also need less maintenance compared to gas chainsaws.

When it comes to storing, the electric chainsaw is easier and way more convenient. All you need to do is unplug the cord of the electric chainsaw from the outlet. You can then replace the guard of the bar and then wrap the cord in a coil. Once done, you can now store it anywhere you want. What’s even better is that some brands of electric chainsaws have their own cases for storing. You don’t have to wait for it to cool down and you don’t have to worry about the kind of gasoline that you’ll be using.

Gas Chainsaw

A gas chainsaw utilizes a two-cycle engine which is fueled by a mix of oil and gasoline. This type of chainsaw exercises its strength in terms of greater power and mobility. When it comes to cutting down trees, trimming branches or even cut down thick bushes and shrubs, the gas chainsaws are the right ones for the job.

Gas chainsaw is more powerful when compared to electric chainsaws. In this regard, they can do more demanding jobs like cutting down trees. A gas chainsaw is equipped with a two-cycle engine which is powered by a combination of gasoline and oil. A gas powered chainsaw can also have a forty two inch bar length.

A gas chainsaw’s main concern is safety. In that regard, you need to shut it off first and allow it to cool down before refilling the fuel tank. The fuel is another issue as if you don’t get the right mix of gasoline and oil; the gas chainsaw might cough it all out and sputter when you try to start it.

Storage is another thing to watch out for in gas chainsaws. In exchange for its power, you need to take proper steps for safety reasons. You first need to cool it down before putting it away. After that, you can now put its bar and tuck it safely. Then, you need to drain all the gasoline and oil from the chainsaw’s tank. Lastly, you need to keep it in an area where it’s well-ventilated and put it in an upright position.

No one between the two is better than the other. Both the electric and gas chainsaws have their own strengths and weaknesses. Knowing a bit more about them can shed light on what you should pick out when choosing the right kind of chainsaw for you.

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