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June 12 2015

kindheartedoomp05

Simple Tips To Make Your Home Greener

While being green and gentle on the environment may seem like a new trend, in many ways it's just a matter of common sense. When you are looking for ways to make your home more inviting, it makes sense to attempt to find ways of using less energy. The price of energy is ever increasing, so all of us have a reason to try and become green, so in this article we'll be sharing some tips to help you with this.

Whilst considering what improvements you might make to your home, please take a few minutes to consider some important safety factors. Make sure that your home has a sensible number of WORKING and REGULARLY TESTED smoke alarms fitted. If you are doing construction work within your home then why not take the opportunity to fit properly constructed fire doors on landings, kitchens etc. Modern fire doors have many great designs including glazed and semi-glazed models but much more importantly they all give at least 30 minutes protection from fire and smoke, giving anybody inside the house sufficient time to escape to safety.

Years before it was popular to go "green", the majority of individuals understood that preserving energy and heat was an important role of insulation. Though this is still the case, now the amount of electricity and oil is increasing, therefore it is vital to take heed. You can actually lose almost half of your heat when your enclosures and ceiling don't have enough insulation. Insulation is measured by R value, and you should be aware of this before having any insulation installed. Be attentive to areas where the warmth can leave and cold can have access like space that surrounds your door. It can be very helpful to block off drafts with draft excluders which can be crafted from just about anything, including articles of clothing you were going to throw away. Windows can be decorative and allow light into your home, but they're also important for insulation and keeping the heat in. Actually, the kind of window you own can play a large part regarding the bills you have for heating your home. By getting double pane (or even triple pane) windows, you could make your house quite a bit more energy efficient. You can also coat your windows with Low-E (low emissivity) coatings that can reduce heat loss by up to 50%. Thus, this is economical in the long run although it will be more expensive up front to replace your windows with energy efficient types. It will also make you more comfortable in the winter.

There are some ways of heating your home up efficiently, and this will greatly impact your energy bill. A fireplace, whilst looking very nice, is probably the most inefficient way of heating up your home. On the other hand, there are fireplace inserts that can change this in your favor, so if you have a fireplace you should look into this option. Another heating possibility worth considering is a pellet stove, which burns wood or corn pellets. With the rising cost of oil, this can be a cheaper alternative. Of course, no matter how you heat your home, the kind of insulation you have will make all the difference when it comes to energy efficiency.

Carrying out an eco-friendly makeover for your dwelling can be enjoyable and great for the electric bills. Your homes appraisal will be higher as well should you decide to put it on the market. There are multiple plans of action to create a eco-friendly home and there isn't room to talk about all of them, however don't let that stop you from looking further and find ideas that are perfect for your home.
kindheartedoomp05

A Few Ideas For Eco Friendly Home Improvement Projects

People are certainly thinking about how they can help the environment by living greener and you can use these ideas for home improvement as well. In fact, the best ways to improve the look and comfort of your home are usually also the most eco-friendly, as they can save you money on expenses such as heating bills. In the following article we will be taking a look at some green ways of improving your home.

Whilst considering what improvements you might make to your home, please take a few minutes to consider some important safety factors. Make sure that your home has a sensible number of WORKING and REGULARLY TESTED smoke alarms fitted. If you are doing construction work within your home then why not take the opportunity to fit properly constructed fire doors on landings, kitchens etc. Modern fire doors have many great designs including glazed and semi-glazed models but much more importantly they all give at least 30 minutes protection from fire and smoke, giving anybody inside the house sufficient time to escape to safety.

One of the least difficult things to do is painting the interior or anterior of your home, and you can concentrate on accomplishing this in an eco-friendly method. With the use of paint that is green, you know that polluting the environment is something you do not need to worry about. There are several types of these paints, including recycled latex, clay based and milk based. Latex recyclable paints are found easily in many different colors and multiple home enhancement stores and hardware stores stock them. Don't forget that making use of this kind of paint could be shielding your health and that of the planet, as you inhale the oxygen where you live and natural paints don't have the possible harmful poisons that other paints do.

You might think about bamboo or cork floors taking the place of your current flooring as they are "green", assuming that you are considering a replacement. Although bamboo is very much alike other established wooden floors, it is thought of as eco-friendly due to the fact it isn't endangered like many other types of wood are. Another great option is cork floor covering, and it can give you wonderful insulation and can also be very attractive. Cork is environmentally favorable because it only takes the bark from the trees, thus making it able to stay standing. More prospects for green or natural flooring involve tiles made of ceramic or stone. If you use carpets, these can also be eco-friendly, which can also mean that they're healthier as well. If you struggle with allergies, there are carpets that use natural fibers which means they will not agitate your allergies as much.

Yards and gardens are a fabulous place to experience eco-friendly life and it will improve the way your home and what is around it is viewed. Establishing trees around your property is an easy suggestion to save you energy and give you insulation from the wind during the winter and shade during the summer. A garden where you grow edible plants and vegetables is a great way to get nutritious foods into your diet and save money on groceries. When making a determination about what plants to get for around and inside your home, the best eco-friendly plants are the types that grow naturally in your region as it won't need as much work to keep them thriving. To finish, substitute all regular pesticides for natural ones in your gardens to keep the pesky animals and critters away. As this article shows, it's not too hard to make your home more eco friendly. It's simple really, you must just get into the flow of making decisions with the environment in mind. And remember, you really do not need to change everything in your home in one go; do your makeover room by room.

April 14 2015

kindheartedoomp05

Vamco aims to ringfence repair monies

March 5, 2013

by Brian Turner

Story link: Vamco aims to ringfence repair monies

Outsourced motor insurance claims specialist Vamco has pledged to keep every pound destined for its body-shop partners safe behind a legal ring-fence.

The Surrey-based organisation, which has never sought or taken 'referral fees' from its networks of repairers, guarantees that monies it receives from insurers for accident damage will go to the hard-pressed body-shops and parts suppliers.

Vamco's managing director, Tony Rand, says all incoming payments will go straight into a special account operated by his company's legal arm, Kingsley Law Ltd.

He revealed last month that Vamco was to be the first in the UK's outsourced claims management sector to operate an in-house law firm, after winning an Alternative Business Structure (ABS) licence from the Solicitors Regulation Authority.

Now Rand admits that the furore surrounding the collapse of Drive Assist persuaded him that the time for even more radical reform was now.

"Everyone in the motor insurance industry knows that changes are needed, and that higher levels of transparency are essential, but I think most people are waiting for the Competition Commission to conclude its investigation," he said.

"To me though, any company wishing to distance itself from the cowboys and the sharp practices needs to do so now. We simply can't afford to wait until the autumn of 2014 to see what conclusions are drawn, and what recommendations are made.

"Drive Assist's collapse, especially the revelation that around 100 body-shops stand to lose £7 million they are owed, makes it clear that we must act now, to drive best practice into our industry, and equally, to drive bad practices out."

Rand, who has worked in the motor industry for almost 25 years, believes that reform should be led by people and companies who understand the sector, rather than external bodies.

"I am as eager as anyone to see the analysis and recommendations of the Competition Commission, but that is probably 18 months away. If we are to rebuild the motor insurance sector's image and reputation, we need action now," he said.

"I think it's vital that reform is not seen to be imposed from above. Our TV screens seem to be full of adverts from lawyers imploring us to claim for any little mishap, there is obviously no such thing as an accident in this modern age. Somebody can be blamed and they must be made to pay!. Bearing this in mind, it would be an extremely brave (or maybe foolish) small business owner who made the decision that public liability insurance wasn't necessary. Clicking on the following link will answer any questions on What Is Public Liability Insurance.We've seen what's happened in the banking sector, when the pressure for change comes from outside, and as a result, the public trust - which has been lost - is not restored.

"We also need to restore trust inside the industry; between insurers, claims management companies, body-shops and even suppliers of parts, because it has been eroded by a relentless focus on margins, and not on customer service.

"We embraced the ABS concept, because we didn't think the traditional structure of using solicitors' panels worked well. Now we hope that our guarantee of ring-fenced monies will give body-shops and fleet managers the certainty they need to operate.

"It's a very challenging environment for us all, which makes it critical that the good people work together, and work harder, to drive up service standards, and to focus on making the industry's systems and processes both simpler and fairer for everyone."

 

http://www.insurancedaily.co.uk/2013/03/05/vamco-aims-to-ringfence-repair-monies/
kindheartedoomp05

Buy-to-let returns beat all other mainstream investments

The study, published today by former economist Rob Thomas, found that landlord returns outstripped the earnings from investments in cash, stocks and shares and commercial property. In the same time-frame, commercial property investments turned £1 into £4.49.

Cash savings were the worst performers, according to the report, where £1 is now worth just shy of £2. The study did not include gold, which has fallen fast in recent years but was the best performing asset in the previous decade.



The vast returns on buy-to-let were helped by low interest rates. This low-cost "leveraging", coupled with rising prices for most of the period, helped amateur landlords build equity against which to borrow again, repeating the process to profit further.

The research assumed that buy-to-let investors who took out a mortgage started with a single property, and later reinvested in more properties when they earned enough to put down another 25pc deposit.

By contrast, the report assumed re-investments by cash investors who also started with a single property would only be made when they had gained enough to buy another property outright.

For example, if a £100,000 home bought in 1996 is now worth £300,000, a capital gain of £200,000, the cash buyer would have trebled their investment.

But if they put down a £25,000 deposit, financing the property instead with a 75pc loan-to-value mortgage, the buyer will have turned their equity of £25,000 into £125,000 - a gain of five times their investment. With interest rates stuck firmly in the gutter, investors are looking elsewhere for investment opportunities. One particular opportunity is the rental property market, you or if you have the funds available you buy a property and then get an income from the rent. With property prices still rising, it's a technique that offers a degree of security whilst still returning decent returns on your investment. However, you need to be aware of potential problems. The following link offers answers to questions such as Does Direct Line Landlord Insurance Cover Buy-To-Let Properties?.This capital gain can be used to re-mortgage the property, releasing equity to finance another house purchase.

o In charts: Which types of buy-to-let properties give the biggest returns?

This is the unique feature of buy-to-let as an investment, said Mr Thomas. "The investor can borrow against it and, when property prices have risen, remortgage to provide cash to buy more property."

Serial re-mortgaging was the highly lucrative tactic of Judith and Fergus Wilson, the Kent landlords who bought almost 1,000 properties.

The teachers turned property tycoons amassed a £200 million empire over the previous 18 years, generating an annual rental income of £12m.

The method is risky. Rising interest rates could wipe out rental income generating ongoing losses. And if prices fall, landlords could ending up in negative equity - owing more than the value of their properties.

Landlords who borrow continually against their existing buy-to-let properties are most at risk. But if - and when - a rate rise will occur is still unclear. Mark Carney, Bank of England Governor, said the Base Rate - 0.5pc since March 2009 - could "only go up" in spite of record-low inflation levels in the UK.

Would-be landlords can still err on the side of caution by build cash reserves, Mr Thomas advised. Or they could eliminate interest rate risk altogether by buying with cash.

He said: "Returns have been lower for cash buyers, because of abnormally low interest rates, but if you have a big pile of cash and don't want to take risks buy-to-let will produce a steady return."

Buy-to-let boom predicted for 2024

The report predicted buy-to-let borrowing would continue to outperform other investments. It said £1 invested in buy-to-let, with a 25pc deposit, will return £2.87 over the next decade. For cash buyers, the report predicted £1 invested in buy-to-let today will be worth £1.81 in 2024.

Mr Thomas said this is a "conservative estimate" which assumes mortgage rates will increase to 5.5pc by 2022, and that house prices will rise by 4pc.

He dismissed the "fear factor" of any possible crackdown on buy-to-let from a potential Labour government. Ed Miliband, Labour leader, would cap rents for existing tenants and impose three-year contracts on some tenancies.

o Would this buy-to-let couple be caught out by new EU rules?

"Controls on the rented sector simply means less supply, fewer new landlords, and will result in higher rents for new tenants," Mr Thomas said.

The biggest losers in this situation would be tenants, because there will be a lack of supply, he added. "Ironically, it will be landlords who benefit as they can push up rents."

- More buy-to-let tips, predictions and updates: follow us on Facebook and Twitter

- kate.palmer@telegraph.co.uk

http://telegraph.feedsportal.com/c/32726/f/669362/s/454c51ee/sc/28/l/0L0Stelegraph0O0Cfinance0Cpersonalfinance0Cinvesting0Cbuy0Eto0Elet0C11520A110A0CBuy0Eto0Elet0Ereturns0Ebeat0Eall0Eother0Emainstream0Einvestments0Bhtml/story01.htm
kindheartedoomp05

How to start a business for £99

These are three valuable words that will serve you well throughout your business journey.

If there's an asset or piece of kit you need and just can't afford, think about who owns one and ask to use it, for free, on their downtime.



The same applies to space. Approach someone who owns it - and wants to attract the type of crowd you can bring.

Need equipment such as a kitchen or 3D printers? Ask to borrow them when it's not in use so the owner can feel good about helping a start-up. Our TV screens seem to be overwhelmed by solicitors pleading with us to claim for each and every mishap, there is obviously no such thing as an accident in this day and age. Somebody is to blame and they need to pay!. With this in mind, it would be a very brave (or perhaps foolish) owner of any business, be it big or small who made the decision that they didn't need public liability insurance. Click the link to get an answer to any questions on Does Direct Line Tradesman Insurance Cover My Staff?.You'll be amazed how much you can access - you just have to ask!

3. Embrace social media

Technology has been a great friend to small business.

You can now get online for free with template websites such as Moonfruit, Wix and Weebly and then attract traffic to that site with a presence on social media platforms.

You can build profitable businesses just by using Instagram and YouTube these days, without spending any cash.

4. Skill swap

Get stuff for free by agreeing to swap your skills.

Graphic designer? Agree to apply your design expertise in exchange for PR, an accountant, office space etc.

Trade the skill you have, to build a business based on the skills of others.

5. Get out and about

It's in meeting people that you'll find friends, entrepreneurs and supporters who are willing to give you time and advice, for free. But you have to get out of the home office to meet them.



Find this support at free meet-ups and events that you can find on sites such as Eventbrite and Meetup.com

6. Locate young talent

Schools and colleges in your area are buzzing with talented and entrepreneurial minds. Get them on your side by making connections.

If you need a photographer to showcase your first fashion collection on a budget, approach the local college photography department and find an enthusiastic student in exchange for them using the shoot in their portfolio.

7. Keep in touch

Keep up to date with start-up and small business news to stay in touch with all the offers. 3Space and the Government's Space for Growth both offer workspace for free, while companies such as Unilever make their senior marketing people available as free mentors.

Make it your business to stay in the know by following key small business websites on Twitter and subscribing to free newsletters to hear about opportunities hot off the press.

8. Outsource

Once the contracts start to roll in, rather than employing people straight away, build a network of trusted contractors you can call on when there is demand you can't cope with yourself. And offer them the same service in return if applicable.

With free technology, supportive networks and large companies offering their assets, there's no reason why you can't start a business on a budget and become your own boss for less than the cost of a regular rail ticket.

Purchase Start a Business for £99, published by Pearson, here

http://telegraph.feedsportal.com/c/32726/f/568875/s/455e51a8/sc/28/l/0L0Stelegraph0O0Cfinance0Cyourbusiness0C115330A810CHow0Eto0Estart0Ea0Ebusiness0Efor0E990Bhtml/story01.htm
kindheartedoomp05

Lib Dems propose Help-to-Rent Scheme

In a bid to outflank the Tories and Labour on their housing policies, the Lib Dems have proposed a Help-to-Rent scheme they say will assist young people aged 18 to 30 move from their family home into rented accommodation.

The scheme offers people in this age bracket up to £1,500 as a loan from government to use as a deposit on a rental property, whilst those renters in the capital would be extended up to £2,000.

Qualifying tenants would have to be in paid employment and be in a position to pay off the loan in either a 12 or 24 month period.

The Lib Dems claim this would be good for both young tenants and buy-to-let landlords alike.

Announcing the scheme, Deputy Prime Minister Nick Clegg said:

"You've got this generation that is sometimes called 'the clipped wing generation', or 'the boomerang generation', of an increasingly large numbers of youngsters who simply can't find the money needed for a deposit to rent a flat or home of their own"

The Deputy Prime Minister thinks the Help-to-Rent scheme would significantly remove the financial barriers affecting this age group from securing their own rented accommodation and insisted that young people being stuck in a family home is having a negative effect on the property market.

Rents in the private rented sector (PRS) have been increasing pushing up the amount of required deposits. With interest rates stuck firmly in the gutter, people are searching elsewhere for opportunities to invest their savings. One popular opportunity is the rental property market, you or if you have the funds available you buy a property and then get an income from the rent. With property prices still rising, it's a technique offering a degree of security whilst offering decent returns on your investment. Sadly, its not without its pitfalls. The following link offers answers to questions such as Does A Buy To Let Owner Need Landlord Insurance?.The cost of paying back the loan, the Lib Dems say, will depend on the cost of government borrowing, which is currently around 2.5 per cent.

Opponents of the proposed scheme have responded with the criticism that it will simply push Britain's youth, many already struggling with high debt from student loans, into even...

more debt.

There other two parties have now announced their own plans to tackle the problems facing people with housing needs.

The Conservatives say they plan to build 275,000 new homes over the next five years, they have announced an extension of their Help-to-Buy scheme, to introduce a Help-to-Buy ISA, and make it easier for housing association tenants to buy their own homes.

Labour promises to build 200,000 new homes every year, to bring in a controversial mansion tax which they say will help fund the NHS, to cap buy-to-let rents and to introduce a three-year tenancy.

In addition to their Help-to-Rent scheme proposal, the Liberal Democrats want a new Rent-to-Own scheme aimed at getting more first time buyers onto the property ladder, and they say they want to build 300,000 new homes every year.

Liberal Democrats Propose Help-to-Rent Scheme - http://t.co/vqKwv0LeLn @LibDemPress @LibDems

-- LandlordZONE (@LandlordZONE) April 14, 2015

©LandlordZONE® - legal content applies to England and is not a definitive statement of the law, always seek professional advice. If you have questions on these issues go to the LandlordZONE® Forums

http://www.landlordzone.co.uk/news/lib-dems-propose-help-to-rent-scheme
kindheartedoomp05

Left in the cold over E.ON central heating insurance

'My boiler broke down and HES says it is not covered under my E.ON policy.' Photograph: Graham Turner/Graham Turner

Since 2006, I have been paying what I thought was E.ON for a policy to cover central heating problems. Last week my boiler broke down, at which point I discovered that the insurance contract, which costs £13.50 a month, had been taken over by a firm called Home Emergency Services (HES).

HES responded promptly, but the engineer who arrived informed me that the problem wasn't covered under the current insurance policy and would cost almost £1,000 to rectify. He diagnosed sludge in the pump, which I was told is specifically excluded in the small print of the policy (isn't it always?) and he shut down my boiler. I didn't sign a contract with HES but with E.ON, which as far as I know did not exclude the sludge issue.

I had no knowledge of the takeover and feel that the original contract should stand. In the meantime, I've been left with no heating or hot water which, as a terminal cancer sufferer, isn't much fun in a very cold Manchester! Can you help? SC, Manchester

We were not overly surprised that your boiler insurance cover had failed to come to your aid. However, we were shocked that a customer who is listed as a "priority" because of your medical history had apparently been left by HES without any heating at a time when there was snow on the ground.

In fairness to HES, we rang it at around 4pm to alert it to your plight and it had someone round to your home that evening to supply some much-needed heating, and an engineer fixed the problem the following day.

The company, which took over E.ON's boiler cover business through a management buyout, says its notes - inexplicably - indicate that you were not living in the house, even though you have been there for more than 20 years and have been paying for insurance cover at that address since 2006. It also thought the house belonged to your late mother - again, inexplicably.

It says it only became aware of the true situation when we contacted it. Interestingly, it had carried out the boiler's annual service a few weeks prior to the breakdown, at which point possible sludge was not mentioned, nor any signs detected.

The company may not have covered itself in glory at the start of this claim but it has since very much made up for this. HES has now replaced the diverter valve, carried out a full survey of the central heating system, power flushed the system and got it working properly. It has used a "hardship fund" that it has recently set up to pay for the work - even though it says your problem was not covered by the original agreement. Our TV screens seem to be overwhelmed by solicitors imploring us to claim for any little mishap, there is obviously no such thing as an accident in this modern age. Somebody is to blame and they must be made to pay!. With this in mind, it would surely be a very brave (or maybe foolish) owner of any business, be it big or small who decided that public liability insurance wasn't necessary. Clicking on the following link will answer your questions on Do I Need Public Liability Insurance?.You are very relieved to be warm again.

Has anyone else claimed on a HES boiler policy? If so, let us know what your experience was like.

We welcome letters but cannot answer individually. Email us at consumer.champions@theguardian.com or write to Consumer Champions, Money, the Guardian, 90 York Way, London N1 9GU. Please include a daytime phone number

http://www.theguardian.com/money/2015/mar/21/left-in-the-cold-over-eon-central-heating-insurance
kindheartedoomp05

Reserve releases still key to insurer profits

30 March 2015 | By Matt Scott

Motor insurers are still relying on reserve releases and ancillary income to boost performance

  Subscribers only  

This story is exclusive to paying subscribers, or you have reached your limit of 5 free articles per month.

If you are a subscriber



http://www.insurancetimes.co.uk/reserve-releases-still-key-to-insurer-profits/1413342.article
kindheartedoomp05

Buy-to-let returns beat all other mainstream investments

The study, published today by former economist Rob Thomas, found that landlord returns outstripped the earnings from investments in cash, stocks and shares and commercial property. With interest rates stuck firmly in the gutter, investors are searching elsewhere for investment opportunities. One popular opportunity is the rental property market, you or if you have the funds available you buy a property and then get an income from the rent. With property holding its value nicely, it's a technique that offers a degree of security whilst offering good returns on your investment. Sadly, its not without its pitfalls. The following link has some answers to questions such as Does A Buy To Let Owner Need Landlord Insurance?.In the same time-frame, commercial property investments turned £1 into £4.49.

Cash savings were the worst performers, according to the report, where £1 is now worth just shy of £2. The study did not include gold, which has fallen fast in recent years but was the best performing asset in the previous decade.



The vast returns on buy-to-let were helped by low interest rates. This low-cost "leveraging", coupled with rising prices for most of the period, helped amateur landlords build equity against which to borrow again, repeating the process to profit further.

The research assumed that buy-to-let investors who took out a mortgage started with a single property, and later reinvested in more properties when they earned enough to put down another 25pc deposit.

By contrast, the report assumed re-investments by cash investors who also started with a single property would only be made when they had gained enough to buy another property outright.

For example, if a £100,000 home bought in 1996 is now worth £300,000, a capital gain of £200,000, the cash buyer would have trebled their investment.

But if they put down a £25,000 deposit, financing the property instead with a 75pc loan-to-value mortgage, the buyer will have turned their equity of £25,000 into £125,000 - a gain of five times their investment. This capital gain can be used to re-mortgage the property, releasing equity to finance another house purchase.

o In charts: Which types of buy-to-let properties give the biggest returns?

This is the unique feature of buy-to-let as an investment, said Mr Thomas. "The investor can borrow against it and, when property prices have risen, remortgage to provide cash to buy more property."

Serial re-mortgaging was the highly lucrative tactic of Judith and Fergus Wilson, the Kent landlords who bought almost 1,000 properties.

The teachers turned property tycoons amassed a £200 million empire over the previous 18 years, generating an annual rental income of £12m.

The method is risky. Rising interest rates could wipe out rental income generating ongoing losses. And if prices fall, landlords could ending up in negative equity - owing more than the value of their properties.

Landlords who borrow continually against their existing buy-to-let properties are most at risk. But if - and when - a rate rise will occur is still unclear. Mark Carney, Bank of England Governor, said the Base Rate - 0.5pc since March 2009 - could "only go up" in spite of record-low inflation levels in the UK.

Would-be landlords can still err on the side of caution by build cash reserves, Mr Thomas advised. Or they could eliminate interest rate risk altogether by buying with cash.

He said: "Returns have been lower for cash buyers, because of abnormally low interest rates, but if you have a big pile of cash and don't want to take risks buy-to-let will produce a steady return."

Buy-to-let boom predicted for 2024

The report predicted buy-to-let borrowing would continue to outperform other investments. It said £1 invested in buy-to-let, with a 25pc deposit, will return £2.87 over the next decade. For cash buyers, the report predicted £1 invested in buy-to-let today will be worth £1.81 in 2024.

Mr Thomas said this is a "conservative estimate" which assumes mortgage rates will increase to 5.5pc by 2022, and that house prices will rise by 4pc.

He dismissed the "fear factor" of any possible crackdown on buy-to-let from a potential Labour government. Ed Miliband, Labour leader, would cap rents for existing tenants and impose three-year contracts on some tenancies.

o Would this buy-to-let couple be caught out by new EU rules?

"Controls on the rented sector simply means less supply, fewer new landlords, and will result in higher rents for new tenants," Mr Thomas said.

The biggest losers in this situation would be tenants, because there will be a lack of supply, he added. "Ironically, it will be landlords who benefit as they can push up rents."

- More buy-to-let tips, predictions and updates: follow us on Facebook and Twitter

- kate.palmer@telegraph.co.uk

http://telegraph.feedsportal.com/c/32726/f/669362/s/454c51ee/sc/28/l/0L0Stelegraph0O0Cfinance0Cpersonalfinance0Cinvesting0Cbuy0Eto0Elet0C11520A110A0CBuy0Eto0Elet0Ereturns0Ebeat0Eall0Eother0Emainstream0Einvestments0Bhtml/story01.htm
kindheartedoomp05

Business rates moratorium will cost firms £2.3bn

However, London's companies will bear the brunt of the rise when the deferred revaluation is carried out in 2017, due to steeply increased property prices and costs.

The Bilfinger GVA review, entitled "April Fools: the rating revaluation that never was", found that the uniform business rate (UBR) in this year would have ballooned to 54.5p had the revaluation gone ahead as planned, up from the current UBR of 48p.

The report forecasts that by 2017, UBR will rise to 51.2p. This will cost London businesses £1.1bn with a 7.5pc increase in rateable values but still represents a saving to the capital of £400,000 on today's rate.

The business rates revaluation usually takes place every five years and reflects changes in the property market. The most recent revaluation in England and Wales was April 1, 2010.

By the end of the next five-year cycle, Bilfinger GVA claimed that the UBR will hit 60p, an all-time high.

It has called on the Government to start calculating business rates using the Consumer Price Index instead of the Retail Price Index to avoid soaring rates.

Unlike CPI, RPI includes housing costs, which considerably inflates the rate.

It also recommends that the Government scrap the downward transition plan, which phases in reductions in business rates liability. Businesses often have to wait up to five years to receive the full benefit of any revaluation.

"The Government is responsible for much of the controversy over the current system for delaying the revaluation from 2015 to 2017," said David Jones, senior director in Bilfinger GVA's business rates team. "Our research clearly highlights the regions and sectors that have paid the highest price for the delay.

"By switching to a CPI-linked system, committing to more frequent valuations, and scrapping downward transition for those businesses that have been hardest hit, the Government coud make huge strides towards redressing the imbalances in the system, and reducing an increasingly disproportionate burden on growth and job-creating enterprise," Mr Jones said.

The Government is undertaking an urgent review of the whole business rates system but no findings will be reported until March 2016 and it is committed to being fiscally neutral with no change in revenues collected. Our TV screens seem to be overwhelmed by solicitors pleading with us to claim for each and every mishap, it seems that there is no such thing as an accident in this day and age. Somebody can be blamed and they must be made to pay!. Bearing this in mind, it would be a very brave (or perhaps foolish) owner of any business, be it big or small who decided that they didn't need public liability insurance. Clicking on the following link will answer your questions on Is Public Liability Insurance Mandatory For Small Businesses?.Business rates are worth more than £25bn to the Treasury.

Ed Balls, the shadow chancellor, announced on Tuesday that Labour plans to slash business rates for 1.5m small firms to make the tax system "fairer". The party claims revenues from business rates rose by £3bn under the Coalition.

http://telegraph.feedsportal.com/c/32726/f/568875/s/44ff8d53/sc/28/l/0L0Stelegraph0O0Cfinance0Cbusinessclub0Cmoney0C1150A7170A0CBusiness0Erates0Emoratorium0Ewill0Ecost0Efirms0E20B3bn0Bhtml/story01.htm
kindheartedoomp05

Buy-to-Lets are Sole Pension for most Landlords

The new pension freedoms that came into force last week, could trigger a huge interest in over 55s becoming buy-to-let landlords for the first time.

New research shows that for 70 per cent of younger landlords, their buy-to-let portfolio is their only pension fund.

The study*, conducted by PropertyLetByUs.com - a leading online letting agent, shows that just one in five landlords said their property portfolio forms part of their pension provision.  A further third of landlords are building their portfolios so that their children can benefit from the investment in the future. (* Source: PropertyLetByUs research amongst 500 landlords, April 2015).

The research also reveals that over a third of landlords said their mortgages will be paid off by the time they retire and just 6% claim they will sell their properties on their retirement. With interest rates steadfastly refusing to rise, investors are searching elsewhere for opportunities to invest their savings. One popular opportunity is the buy-to-let market, you or if you have the funds available you buy a property and then get an income from the rent. With property holding its value nicely, it's an opportunity offering a degree of security whilst still returning good returns on your investment. Sadly, you need to be aware of potential problems. The following link has some answers to questions such as Does Direct Line Landlord Insurance Cover Multiple Properties?.What's more, 28% of landlords plan to expand their property portfolios in 2015 and over a third of landlords use a letting agent to help manage their properties.

Jane Morris, Managing Director of Property Let By Us comments:

"With mortgage rates at an all-time low and rents rising across the UK, it is no surprise that more and more investors are entering the buy-to-let market.  Our research shows that many landlords see their property portfolios as a long term investment and a major part of their pension planning.

"Potential new retiree landlords need to choose their property and location...

carefully. A recent report by estate agents, Chestertons shows that Birmingham has a 6.8% average gross rental yield, while Manchester has 6.4%, Sheffield has 6.3%, Leeds has 6% and Cambridge has 4.6%.

"Anybody considering becoming a landlord should speak to local estate agents to see what the rental demand is like locally and what monthly rental income they can expect. However, if retires have no experience of the property market, they may be better considering alternative investment options."

For more information, visit www.propertyletbyus.com

Pension Freedoms recently come into force, could Trigger Huge Interest in over 55's becoming First Time Landlords. - http://t.co/Y3ja3mdukW

-- LandlordZONE (@LandlordZONE) April 13, 2015

©LandlordZONE® - legal content applies to England and is not a definitive statement of the law, always seek professional advice. If you have questions on these issues go to the LandlordZONE® Forums

http://www.landlordzone.co.uk/press-releases/buy-to-lets-are-sole-pension-for-most-landlords
kindheartedoomp05

FCA to ban pre-ticked 'add-on' insurance sales

Pre-ticked boxes selling insurance add-ons will be banned by the FCA. Photograph: Yuliyan Velchev/Alamy

The pre-ticked selling of insurance "add-ons" - such as legal expenses cover added to home insurance and breakdown cover as part of a car insurance deal - is to be banned by the Financial Conduct Authority.

The FCA found that about one in five people don't even realise they are purchasing the insurance or the add-on cover because they are focused on buying the main product. It estimated that opt-out selling - where a box is already ticked on a website when the consumer is purchasing something else - wastes consumers more than £100m a year.

While the FCA research covered all types of add-on insurance, some practices - such as default insurance sales by budget airlines and concert promoters - have already been banned under the 2013 Consumer Contracts Regulations.

Forgetting to un-tick a box at the end of a purchase is not making an informed choice.

Christopher Woolard, FCA

Christopher Woolard, director of strategy and competition at the FCA, said: "This is about ensuring consumers can make the right decision on what add-on insurance they do or don't need. Forgetting to un-tick a box at the end of a purchase is not making an informed choice.

"Our work shows that the opt-out model means that too often, consumers are buying a product when they have not been able to give any thought to whether or not they need it. We are all familiar with having to double check whether or not we have accidentally agreed to buy an add-on insurance product when buying car insurance or tickets online, for example."

The ban will apply to any add-on sales such as legal expenses sold with home insurance, breakdown or key cover sold alongside motor insurance, and protection cover when taking out a mortgage or credit card. Companies will also be required to show the annual price of insurance, which is most likely to affect mobile phone insurance,typically sold on a monthly price basis.


The Financial Ombudsman Service has reported numerous cases where buyers of mobile phone packages only discover much later on that insurance, often costing £70 a year or more, has been added automatically without the buyer's knowledge.

But whether the new rules will force airlines to change the way they sell travel insurance is unclear.


Currently on the Ryanair website, for example, holidaymakers are taken to a box saying "Insurance - country of residence" when booking a flight. Only if they locate the "Don't Insure Me" button - displayed between Denmark and Finland on Ryanair's pull down menu - can they proceed with the purchase without insurance.


Last year Italian authorities fined Ryanair EUR850,000 for "unfair commercial practices", citing the airline's "unfair, cumbersome and misleading" practice of opting in customers to buying its travel insurance. Our TV screens seem to be full of adverts from lawyers pleading with us to claim for each and every mishap, there is obviously no such thing as an accident in this day and age. Somebody can be blamed and they need to pay!. With this in mind, it would surely be an extremely brave (or perhaps foolish) owner of any business, be it big or small who decided that public liability insurance wasn't necessary. Clicking on the following link will answer your questions that you might have on Is Direct Line Tradesman Insurance A Good Product?.In Italy, those wishing not to buy insurance from the Irish airline have to select a "No Grazie" option nestling between Malta and Norway in a drop-down list of countries of residence.


A spokeswoman for the airline said: "Ryanair's travel insurance product meets all regulatory requirements and offers customers the choice of two options, neither of which is pre-selected."


Brokers Shore Capital reiterated its "sell" recommendation against a number of insurers following the FCA action. "These changes are likely to reduce the penetration rates and conversion rates of such products, which are a significant element of the total profitability of the personal lines insurers. The focus on the poor value offered by such products is likely to negatively impact margins which were over 75% for each of the major personal lines insurers."

http://www.theguardian.com/money/2015/mar/25/fca-to-ban-pre-ticked-add-on-insurance-sales
kindheartedoomp05

Adelaide couple to demolish dream home because they didn't get council approval

Bob Sinclair has less than a week to knock down his Elizabeth Park house

He has spent the past six years building it to live in with his wife Sheryl

Mr Sinclair, 66, built part of the two-storey home with wood instead of steel

Council is forcing him to knock it down because he didn't get approval

By Sarah Michael for Daily Mail Australia

Published: 04:04 GMT, 7 October 2014 | Updated: 12:01 GMT, 7 October 2014

Bob Sinclair has spent the past six years building a house to live in with his wife Sheryl but his local council says he has less than a week left to knock it down.

Mr Sinclair, 66, built part of the two-storey home in Elizabeth Park, north of Adelaide, with wood instead of the steel that the council had originally approved.

He tried and failed to get his changes approved and as a result the Environment, Resources and Development Court found in favour of Playford Council during a June hearing and ordered that the entire structure be demolished before next Tuesday.

Bob Sinclair has less than a week to knock down his house in Elizabeth Park, north of Adelaide

Mr Sinclair, 66, has spent the past six years building it to live in with his wife Sheryl

'We're looking into whether or not we can appeal but it appears the cost of the appeal would be prohibitive,' Mr Sinclair told Daily Mail Australia.

'The best we can get is an extension on the demolition order.'

The block of land was originally purchased in 2006 by Mr Sinclair's daughter Vanessa Sinclair-Benke, but Mr Sinclair started building the house for him and his wife to live in.

'My daughter was looking for an investment property,' he said.

'We would have been paying the mortgage as the rent on the house.'

Mr Sinclair first lodged a development application in June 2006, and council approved a two-storey steel framed dwelling and garage in January 2007.

Work commenced in January 2008, and under the development approval work was required to be substantially completed by 11 January 2010, or else the approval would lapse.

Mr Sinclair built part of the two-storey home with wood instead of steel and the council is forcing him to knock it down because he didn't get approval

Mr Sinclair said the price of steel went 'through the roof' after his first application and would have cost an extra $40,000 so he used timber instead, the Northern Messenger reported.

In July 2011 a neighbour complained to council about inadequately secured roof sheeting on the partially built house which was flapping in the wind and making noise.

The council's building surveyor investigated the complaint and found a number of defects in relation to the timber framing, gang nails leaving rafters and weather damage to the timber framing and flooring.

It was then that he also discovered the framing had been built with timber not steel. 

Mr Sinclair was told in a letter he must lodge another development application seeking approval in relation to the timber framing in order to continue construction.

On 26 April 2012, Mr Sinclair submitted a further development application and 'development plan consent' was granted on 5 November 2012.

The block of land was originally purchased in 2006 by Mr Sinclair's daughter Vanessa Sinclair-Benke, but Mr Sinclair started building the house for him and his wife to live in

Before he could recommence construction, Mr Sinclair also required 'building rules consent' for the same development.

No building rules consent had been obtained by November 2013, so an extension of time was granted.

Mr Sinclair submitted building rule consent from private building certifiers Katnich Dodd in April 2014, but the council did not issue approval, saying his submission did not match the previous development application.

On June 5 the council filed an application with the court for a demolition order, which was granted on June 27. 

Mr Sinclair told Daily Mail Australia his view was that the council had approved his development then 'changed its mind'.

'Eventually I got my building consent approval and the council withheld it and put on a demolition order,' he said.

Playford Council has been contacted for comment.



A green house with a difference! Take a peek...

 

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http://www.dailymail.co.uk/news/article-2783133/Couple-built-dream-home-timber-frame-instead-steel-save-40-000-forced-demolish-didn-t-approval-council.html?ITO=1490&ns_mchannel=rss&ns_campaign=1490
kindheartedoomp05

SMEs hurt by bullying bigger businesses and cash flow problems

The majority of SMEs polled (52 per cent) say that in the face of supply chain abuse from big businesses, they would be forced to broaden their client base to minimise any future disruption to their cash flow.

The poll also reveals a major crisis of trust in big business amongst British SMEs. Our TV screens are full of adverts from lawyers imploring us to claim for each and every mishap, it seems that there is no such thing as an accident in this modern age. Somebody can be blamed and they must be made to pay!. Bearing this in mind, it would surely be an extremely brave (or perhaps foolish) owner of any business, be it big or small who decided that they didn't need public liability insurance. Clicking on the following link will answer your questions that you might have on What Is Covered With Direct Line Tradesman Insurance?.Utilities companies (79 per cent) and banks (69 per cent) are singled out as the least likely to take responsibility for their actions by small and medium-sized business owners.

By contrast, the majority of SMEs (80 per cent) believe that the UK's larger private family-owned firms are the most trustworthy enterprises.  

The new research echoes a ComRes poll commissioned by the FPB in January 2015, which showed that over three quarters (78 per cent) of the British public agree that big businesses are more likely to prioritise profits over high ethical standards.

A further three quarters (74 per cent) of the 2,000 Britons polled believe that the majority of big businesses have no concern for small business owners in the UK.

FPB chief executive Phil Orford says that SMEs already unfairly disadvantaged by rising costs and red tape are held back from growing by bad business practices.

'Our latest poll confirms that the supply chain is fit to burst with hurdles and roadblocks that discriminate against small firms.

'Big business has all the aces, and it is time for affirmative action from the next government to crack down further on this ethical deficit that threatens to break the backbone of British business - small businesses.'

Westminster is starting to listen, according to Orford, with Chancellor George Osborne answering FPB members' calls for punitive measures for those involved in abusive or excessive tax avoidance (76 per cent).

'We welcome last week's budget announcement to use taxation as a way to influence better business practice in the UK, to ensure that all businesses pay their fair dues. We want a system that does not unfairly target many of the small to medium-sized firms that form the backbone of the UK economy,' adds Orford. 

'However, there is still a lot more that the government should do. The UK's political parties should be judged at the Election on their commitment to put business ethics at the top of the political agenda.'

Further reading on late payment

http://www.smallbusiness.co.uk/news/outlook/2481971/smes-hurt-by-bullying-bigger-businesses-and-cash-flow-problems.thtml
kindheartedoomp05

Global reinsurers lead P&C stock performance

Winifred Okocha 13 April 2015

PC stock performance improved last week as The Insider 30 traded up by 1.65 percent on average.

Biggest movers The gain was led primarily by our peer group of global reinsurers, with the composite's share price increasing by an average of 3.17 percent.

French reinsurer Scor outperformed its peers after its share price climbed by 4.58 percent, while fellow peer member PartnerRe achieved a 3.52 percent increase.

Last week, BMO Capital Markets analyst Charles Sebaski published a note suggesting that...

If you are a non-subscriber but would like to be able to view this article, then please email Annie Lightholder on annie@insuranceinsider.com

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This article was published as part of issue April 2015/3

http://www.insuranceinsider.com/-1254327/36
kindheartedoomp05

Smarten up your kitchen storage with a fancy pantry

By Alison Tyler For Daily Mail

Published: 12:33 GMT, 25 November 2014 | Updated: 12:38 GMT, 25 November 2014

The more organised among us will have already made the Christmas cake and popped it somewhere dry and cool, ready for the big day. The rest of us will be holding out for a Heston special. A lot of us will also be wondering where on earth to keep the wheel of stilton. At this time of year - kitchen storage is tested to the limit. 

Slick kitchen: Celebrity chef Nigella Lawson has a pantry stocked full of delicious ingredients 

In the days before fridges, nearly all homes had a larder, but today it's something of a luxury. And while few of us can afford the space for a walk-in pantry on the scale of Nigella Lawson's, sales of standalone pantries are on the rise. 

Whether it's down to the craze for baking - resulting in us all keeping a lot more ingredients (often in hope, rather than expectation) - and paraphernalia like fancy coffee makers, or simply because of the compact size of modern fitted kitchens (few seem to cover more than one wall in new open-plan homes), the pantry is back on the agenda.

Pack it in: Larders like this one by Harvey Jones offer heaps of storage space for all your cooking ingredients 

"There's something nostalgic about a kitchen larder, stashed full of homemade jams, pickles, spices and biscuits," says Charlie Marshall, the founder of Loaf, which has recently introduced its Rhubarb Larder Cupboard (£695, www.loaf.com) in response to requests from customers. "They're really handy for extra storage - especially as there's a trend for low kitchen units at the moment, which look nice but lack space."

Loaf's larder cupboard is perfect for storing away biscuits, caster sugar, baking powder, vanilla pods and spices... and other dry ingredients that need a cool, dry home. With a vintage feel and matt paint, it will suit new or old homes and is pretty versatile - as well as food, you can stack crockery or baking equipment in it. 

Dry spot: This larder cupboard by Loaf is suitable for keeping dry ingredients neatly out of sight

For the storage poor, a pantry is a modern alternative to a dresser, which can look a bit too "country" for urban homes. It also has the advantage that you can get a lot more inside.

"Traditionally the pantry would be on an outside wall with an open air brick supplying naturally cool air up underneath the traditional marble cold shelf to keep everything on it below room temperature," says Richard Davonport, Managing Director of Davonport, which specialises in building bespoke stand-alone and walk-in pantries - the Davonport butler's pantry comes with dovetailed walnut wood drawers and storage compartments, fruit and vegetable crates and a Carrera marble cold shelf (from £4,000, www.davonport.com). 

Bespoke builds: Companies like Davonport offer specially-designed pantries to suit your kitchen space

"We've definitely seen a rise in sales over the past few years. In part because our clients still favour open-plan living spaces. In a kitchen, this allows more room for a large pantry cupboard, which can retain most of a family's food storage. But I think it is also because people are cooking more and living more healthily, so they need more space to store dry foods as well as fresh fruit and vegetables."

Those lucky enough to have a pantry in their homes are complete converts. "It's essential," says David Foubister, from Huntly in Aberdeenshire, who grows his own fruit and vegetables. "I need my pantry to store the vast amount of homemade pickles, chutneys and jams that I make from home-grown food. Often, normal kitchen cupboards are too warm." 

They're also increasingly a great selling point for properties, as more of us want room to store food and kitchen gadgets.

"I grew up with a pantry but have lived without one for years until we moved into our new house. As soon as I saw the pantry in the kitchen, my mind was made up to buy," says Hazel Newhouse, from Biggleswade in Bedfordshire. "I cook and bake every day and I wanted the space to store my collection of baking materials. With interest rates stuck firmly in the gutter, investors are looking elsewhere for investment opportunities. One popular strategy is the buy-to-let market, you either get a mortgage on a property and then rent the property out, thus paying the mortgage. With property holding its value nicely, it's a technique offering a degree of security whilst still returning good returns on your investment. Sadly, you need to be aware of potential problems. The following link has some answers to questions such as Does Direct Line Landlord Insurance Cover Multiple Properties?.It's ideal for us as a growing family and I love that it makes the kitchen feel retro."

Cupboard love: There are all sorts of designs on the market, including the traditional walk-in variety

A walk-in pantry does mean sacrificing floor space in your kitchen or home, but it can also be used as a prep area for measuring out ingredients, and also as a store for the plethora of kitchen gadgetry that now clutters most kitchen worktops.

For a customised solution, Birmingham's Kitchen Restoration Company (www.kitchenrestoration.co.uk) can design a larder to fit your space, whether it's adding doors to an alcove with shelving or creating a unit with glass shelving for storage jars and pull-out wire baskets for fresh veg.

The high street has picked up on the trend, too. Marks and Spencer has stocked its chunky Padstow larder unit (£1599, www.marksandspencer.com) for three years. "We know that people want more kitchen storage space," says furniture buyer Paul Tanner, "but a country dresser doesn't suit every home."

In fact, demand for the contemporary New England-style pantry, with its built-in wine and spice racks, large vegetable drawers and shelving, has been so strong that this season the brand has introduced a new putty-hued version. John Lewis has also begun stocking its Lomond larder unit (£2250, www.johnlewis.com) for the first time this autumn.

As Pip Prinsloo, John Lewis's homeware design manager notes, "people are looking for new kitchen storage options. Larders were once commonplace and we think that they will become an important feature in homes again."

 

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http://www.dailymail.co.uk/property/article-2848741/Smarten-kitchen-storage-fancy-pantry.html?ITO=1490&ns_mchannel=rss&ns_campaign=1490

March 15 2015

kindheartedoomp05

Zurich leads exposed Petrobas D&O cover



Charlie Thomas 13 March 2015

Zurich leads the $250mn directors' and officers' (DO) cover for Brazilian oil giant Petrobas with a $15mn layer, The Insurance Insider understands.

Petrobas, the government-managed Brazilian oil giant, has been in the throes of a corruption scandal for the past few months after dozens of political figures and former Petrobas executives were accused of facilitating corruption and money laundering.

Much will depend on the fine details of the Aon-brokered policy, but Petrobras' insurers are potentially exposed to a major claim...

You are currently viewing an incomplete version of this article. Our TV screens seem to be overwhelmed by solicitors pleading with us to claim for each and every mishap, there is obviously no such thing as an accident in this day and age. Somebody can be blamed and they need to pay!. Bearing this in mind, it would surely be an extremely brave (or perhaps foolish) owner of any business, be it big or small who made the decision that they didn't need public liability insurance. Clicking on the following link will answer any questions on public liability insurance price comparison.If you are a subscriber then please login now. If you are a non-subscriber but would like to be able to view this article, then please select from the purchasing options below.

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http://www.insuranceinsider.com/zurich-leads-exposed-petrobas-d-and-o-cover
kindheartedoomp05


March 14 2015

kindheartedoomp05

PPI problems still the cause of most complaints to financial ombudsman



Pedestrians walk past a branch of Lloyds. The banking group was the most complained-about business during the second half of 2014. Photograph: Facundo Arrizabalaga/EPA

Complaints about payment protection insurance (PPI) are still making up two-thirds of all the cases being dealt with by the financial ombudsman, which named Lloyds and Barclays as Britain's two "most complained-about" financial firms.

The Financial Ombudsman Service received almost 105,000 new PPI complaints during the second half of 2014, taking the total for the whole year to more than 238,000.

Complaints about financial products other than PPI remained relatively stable - there were 56,771 in the second half of 2014 compared with 57,310 in the first half - though banking complaints increased by 8% and investment cases by 4%.

The current average "uphold rate" - where the ombudsman finds in favour of the customer - is 52%, though this disguises huge variations.

Uphold rates for individual businesses range from 4% at Coventry Building Society to 98% at Secret Eye Ltd, a credit broking company.

Lloyds Banking Group was the most complained-about business during the second half of 2014, with 46,000 cases across its brands, though this was down 25% on the first six months of the year.

In second place was Barclays with 21,500 cases, and in third was Royal Bank of Scotland with 13,400.

Lloyds Bank also topped the table of most complained-about brands in relation to PPI, with 20,000 cases during the period 1 July to 31 December, and an uphold rate of 82%. Again, Barclays was in second place, with 15,700 cases.

The widespread mis-selling of PPI by banks, credit card companies and other lenders has resulted in payouts totalling billions of pounds.

Companies pushed PPI policies alongside loans and other credit deals with the promise that payments would be covered if borrowers found themselves unable to work. Our TV screens are overwhelmed by solicitors pleading with us to claim for each and every mishap, it seems that there is no such thing as an accident in this day and age. Somebody can be blamed and they must be made to pay!. With this in mind, it would be a very brave (or maybe foolish) small business owner who decided that public liability insurance wasn't necessary. Clicking on the following link will answer any questions on Is Direct Line Tradesman Insurance A Good Product?.But, in many cases, exclusions meant customers could never make a claim.

Caroline Wayman, the chief ombudsman, said: "PPI complaints still make up the bulk of the ombudsman's workload, and resolving these cases remains a priority.

"Although it's good news that complaint numbers are starting to level off, we have seen a change in the nature of the PPI complaints people are asking us to resolve - which are becoming increasingly hard-fought and more complex."

She added: "It will take time to rebuild people's trust and confidence in the financial sector."

http://www.theguardian.com/money/2015/feb/24/ppi-problems-still-the-cause-of-most-complaints-to-financial-ombudsman
kindheartedoomp05

South West's 15th Annual Landlord Expo! 12th March 2015

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The South West's biggest landlord expo returns Thursday 12th March 2015! The 2014 Landlord Expo was the best ever event with over 790 delegates attending and 80 exhibitor stands.  Expo 2015 is set to top these figures with additional stands available.

Julie Norris from Bristol Council had this to say:

"This is the largest event for landlords which takes place in the South West.  Last year was our best ever event with 790 people attending on the day and over 80 exhibitors."

Over 50 stands have already been reserved, so don't miss out on this opportunity! See the Exo Prospectus for full details.

Book online for free!

Date: Thursday 12 March 2015

Time: 12.00 till 7.00pm

Venue: Exhibition Conference Centre, University of the West of England, Bristol click for directions!

For more details visit Expo website www.landlordexpo.co.uk

http://news.rla.org.uk/south-wests-15th-annual-landlord-expo-12th-march-2015/
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