Thursday, July 29, 2010
   
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Air Source Heat Pump Case Study from Natural Warmth for Daisy Chain

naturalwarmth

An Air Source Heat Pump case Study by Natural Warmth (www.natural-warmth.com)

CLIENTS:

Daisy Chain registered charity, Norton, Stockton on Tees.

www.daisychainproject.co.uk

BRIEF:

Provide heating for a new Day Centre measuring approximately 9300 sq. ft (864 sq. metres) over two floors - to include hot water to two kitchen units and numerous toilets, many with disabled facilities.

SOLUTION:

To meet all requirements via the installation of two air source heat pumps.

PROJECT:

Natural Warmth was called in by the charity, which wanted to reduce its carbon footprint while at the same time lowering costs by reducing the amount of electricity being used.

This was a special challenge as the building was to house respite care and support services for the charity that works with families who have children with autism.

Therefore it was important to ensure a constant room temperature for the staff who would be working there for eight or more hours a day as well as ensuring the comfort of the children and families who use the Centre to take part in a range of activities aimed at aiding their development.

Natural Warmth engineers installed and commissioned the system just before Christmas 2009 – a time when the regular daily temperature was around -7 degrees.

The size of the building and the bitter weather conditions meant that the system had to be run at full gain for a number of weeks before it reached optimum heat and hot water delivery. That was achieved in early February and since then there have been no problems.

Matt Simpson is the Daisy Chain Project Manager: “I think, like a lot of people, I was a bit unsure as to whether the two pumps would be sufficient to heat the Day Centre to our requirements. Steve Heslop explained that the temperatures were about the worst-case scenario for launching a new system, but we were desperate to go ahead. By the first week in February all doubts had disappeared and we had to turn down the heat setting on at least three occasions – the Centre was too warm!”

SUMMARY:

Early teething troubles due to the size of the installation and the atrocious weather conditions were to be expected and engineers were always quick to respond to any call outs.

“I would say that Steve was always here right away if we had a problem,” said Matt Simpson. “Although there were no families using the facility at the time he understood how important it was to us, and the families we help, to get it right before we could start to use the Centre properly. I couldn’t fault Natural Warmth for their work throughout this project.”

Hilary Morrison is the mother of Josh who has Asperger’s and dyspraxia – for her the Centre is a vital part of their life; “This place is a Godsend,” she said. “It is very important that I can be sure that I am bringing Josh somewhere where he will be safe and comfortable. Since we started using the Centre it has been absolutely fantastic. Given the size of it I was surprised at just how warm it was. And although Josh doesn’t grasp the concept of global warming I personally support the idea of everyone doing what they can to reduce their carbon footprint.”

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Ground Source Heat Pump Case Study from Natural Warmth for David and Susan Chadwick

naturalwarmth

A Ground Source Heat Pump case Study by Natural Warmth (www.natural-warmth.com)

CLIENTS:

Mr & Mrs David and Susan Chadwick, Kirkby in Cleveland

BRIEF:

Provide heating and hot water for a dormer bungalow originally built to house a farm manager but which has been substantially rebuilt and extended in the last 13 years to create a 4 bedroomed family home. There is no gas supply to the village.

SOLUTION:

A ground source heat pump to provide all services to the property and fit new radiators for added efficiency.

PROJECT:

The property was previously heated by an oil-fired boiler, which was coming to the end of its useful life, which led the Chadwicks to consider possible alternatives. Much of the internal remedial work had been carried out so under floor heating was no longer viable, but they were very interested in finding out more about heat pumps. A former work colleague of Mrs. Chadwick had one and that is where they began their research. After about a year of looking into the subject they attended a low carbon, green energy exhibition in Harrogate and that is where they met Steve.

Sue Chadwick takes up the story: “We are both retired and therefore on a fixed income and, like everyone in a similar position, we were concerned about the spiralling cost of oil. We realized we had a great opportunity to be more environmentally friendly and control outgoings at the same time so we decided to go with a heat pump and - because we had plenty of land around the house - we decided to go with a ground source heat pump.

“One of the things that sold Natural Warmth to us,” adds David Chadwick, “was the fact that Steve didn’t ask for any money up front for a survey. Some competitors had asked us for £150 - £200! He also told us about the grants available - he applied for them on our behalf and just knocked the money off the bill. The clincher was that Natural Warmth did the job from start to finish. Others were telling me we would need to find our own digger to dig the trenches before they came in to lay the pipes and we may need other tradesmen to assist. The simplicity of the Natural Warmth ‘one stop shop’ was very attractive to us,” he added.

Their home is set in a beautiful location looking out towards the Cleveland Hills, but the idyllic setting brings its own problems;

“That’s where the weather comes from,” said Mr. Chadwick. “We are quite exposed so it can get very, very cold with strong winds and lashing rain battering up against the house.”

Work began in September of 2008 – and it didn’t all go according to plan.

“Part of the problem was the amount of rain we had,” said Mr. Chadwick. “They had to lay something like 450 metres of pipes and, because of the weather, the ‘neat machine’ wouldn’t work so we had to do it the conventional way. Also there were a lot of tree roots and things which meant digging the trenches wasn’t as straight forward as we might have hoped.”

“It looked like the Somme out there,” joked Mrs. Chadwick, and it led to a bit of tension as the Chadwicks wanted the job completing as quickly as possible while Natural Warmth saw their costs escalating on a fixed contract. But it was all soon amicably resolved.

“I can’t praise the crew highly enough,” adds Mrs. Chadwick. “They were excellent. When they came in to fix the radiators they were neat and clean and any furniture that had to be moved was always returned to its original position.  They were in the house for two to three weeks and they always made sure any carpets were covered with plastic sheeting before work began.

Since the system was commissioned in January 2009 it has been tweaked slightly to ensure optimum performance and a larger radiator was installed in the hallway to provide greater warmth and comfort on entering the home.

SUMMARY:

The Chadwicks are both delighted with system, “The house is very warm and we also have lashings of hot water - there is never a shortage even when our children bring our grandchildren to stay and the washing machine and bath times take a heavy toll of the system,” they said.

The Chadwicks have also been wise enough to have a white meter installed, which means that they get cheap rate electricity between midnight and 7 am. This has driven their costs down even further and Mr Chadwick expects that the system will have paid for itself within about 10 years.

The initial cost was a slight concern but when that is offset against lower bills, year round comfort and a reduced carbon footprint the Chadwicks strongly recommend heat pumps and Natural Warmth

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BNI Harald Needs You!

Like all good organisations we're always looking to growm and one of the great advantages of BNI is that when a Chapter grows the benefits to it's members is exponential.  As a Chapter we have identified a 'hot list' of trades that we really feel we could pass a lot of business to, businesses that are not yet represented and to which we are seeing a steady demand fot their products and services.  So who do we want?;

  • Bank
  • Sign Writer
  • Builder
  • Tiler
  • Plasterer
  • Landscaper / Gardener
  • Will Writer
  • Architect
  • Pat Tester
  • Physiotherapist
  • Estate Agent (buying / selling)
  • Caterer
  • Car Valet
Do you represent one of the trades on the this list?  Or do you know someone who fits and is looking for more business in Stockton, Thornaby, Teesside or the North East as a whole?  In that case We Want You! either contact us for more details or pop along to our next Friday morning chapter meeting at Teesside Golf Club
   

16,000 (Yes Sixteen Thousand!) referrals at BNI Harald

BNI Harald is a leading chapter in the BNI (Business Networking Internation) North Family, a fact that was underlined at last Friday's Chapter Meeting, when we passed our 16,000 th referral!

BNI is about business networking, and generating legitimate new business for yourself and fellow members, BNI Harald is based out of Teesside Golf Club in Thornaby and has been established as a chapter since March 2004.  In our 304 meetings we have passed a total of 16,017 referrals.  By far our biggest recipient is Russ Sawdon of Flowerhouse, and former Chapter Director, who has received a mammoth 2034 pieces of business.

We are currently a chapter of 32 members and are always looking for more new faces that would fit our mix.  If you're looking for business in the Stockton, Thornaby and Teesside area (or even further afield across the North East), then BNI Harald could be the place for you, it you're interested in joining or wish to pop along as a visitor one week then please get in touch via http://www.bniharald.co.uk/how-to-join

 

   

Onwards and Upwards - The New Team

So here we are 6 months into our term as the Leadership team of the Harald chapter of BNI and all too soon it is time to pass on the batton to the new team.  It has been a very exciting term where we have started the task of rebuilding the chapter and moving towards the creation of a 40 member £2million chapter.  We have created the energy, provided the suuport and given members the strength to achieve their targets.

All outgoing members of the last term move on with my gratitude and thanks for making it the most enjoyable 6 months that I have had in BNI.  During this time our members support has given me the strength to move on to become a regional Ambassador allowing me to support our chapter from a regional point of view as well as allowing me to share best practice with the rest of the region.

The new team are Clare Thompson (Secretary/Treasurer), Steve Smith (Membership Coordinator) and Vince Burns (Director).  For me this is ateam that provides the correct balance of continuity and new enthusiam and will allow the chapter to continue this development to become the most succesful chapter in the Country.

Russell Sawdon
Outgoing Chapter Director
   

Surviving the death of a breadwinner

Originally published at: http://www.independent.co.uk/money/spend-save/surviving-the-death-of-a-breadwinner-1917325.html

How can you keep your family finances alive? Julian Knight and Chiara Cavaglieri report

These may be modern times, but millions of families are still relying on a sole breadwinner to keep their finances afloat.Breathe easy: Smokers who quit can save money on life insurance after a year of not smoking

Too few, it seems, think about what would happen if the family breadwinner dies, according to a new study from insurer Friends Provident. Twenty-four million people in Britain have no life cover in place. What's more, the study shows that even those who have considered getting cover would underestimate their family's income needs by an average of £14,500 a year.

And even if a loved one has died, there are still financial obligations to be met. "Generally, mortgage and credit card firms are sympathetic but it doesn't happen all the time," says Meg Van Rooyen, a spokeswoman for National Debtline. "There can be a miscommunication or the bereaved may be too upset to say anything. Lenders may even continue writing letters to the deceased and can start debt collection proceedings."

For those thinking about life insurance, determining how much cover to take out can be tricky. The minimum should be enough to clear any outstanding debts and provide a lump sum for your dependants. Calculate the amount you would need to sustain your current standard of living over an average 12-month period, multiplied by 25 years. Even if you already have life cover, it may not be adequate if your situation changes.

You should begin by clarifying what level of protection you already have in place. See if you are entitled to any death-in-service benefits which may be linked to your pension or an insurance scheme set up by your employer. If you die before retirement, your nominated beneficiary could receive up to four times your annual salary as a tax-free lump sum. Unfortunately, employers are making big cutbacks on these kinds of perks. "Clients should still consider putting in place their own cover because if they change jobs, are sacked or are made redundant, then the death-in-service benefits will be lost, and dependent upon the client's health at that time, replacement cover may not be available," says Scott Gallacher from independent financial adviser (IFA) Rowley Turton.

The younger and healthier you are, the cheaper it will be. Smokers planning to kick the habit in time for No Smoking Day on 10 March can also save money after a year of not smoking. Quotes obtained by broker Lifesearch.co.uk show that a 30-year-old man who smokes could get £150,000 of level term assurance over 25 years, with guaranteed monthly premiums, from Royal Liver for £14.32 per month. As a non-smoker that could drop to just £8.84, saving him £1,644 over the lifetime of the policy.

Premiums can vary widely, with some providers aggressively marketing themselves to particular groups of individuals. Protection broker Cavendish Online does not offer any advice but it will search the market for you and give up its commission in exchange for a one-off fee of £35.

If your circumstance are more complicated – if you have a chronic medical conditions or wish to set up a trust – consider getting help from an IFA or advisory brokers such as Lifesearch and Torquil Clark which offer free telephone advice and quotations. Taking advice will cost more than an execution-only broker but is preferable to taking out an inadequate policy.

"When dealing with more complicated issues and inheritance tax, it could pay to get advice so that the action you are taking is appropriate," says Stephen Smith from IFA Davison Smith. "Using an adviser on a fixed-fee basis ensures that you can obtain the right cover as cheaply as possible."

The cheapest way to protect your dependants is with a term assurance policy which pays out the sum if you die within a set period of time, normally 15, 20 or 25 years. Premiums are significantly more expensive with a whole-of-life policy, which guarantees to pay the sum assured upon your death. Many people use the number of years left on their mortgage as a guideline when determining the length of their term assurance policy, but you can then set the level of cover to remain level throughout the term, decrease over time (often to mirror a repayment mortgage) or increase over time (to protect against inflation).

Family income benefit may be more suitable and is often cheaper than standard life cover. Instead of a lump sum, this pays out a tax-free monthly income from the date of death until the end of the policy term. If you have a plan term of 20 years and the claim is made after 16 years, benefits would be paid for the remaining four years.

Have your policy written into trust so that it does not form part of your estate and be liable for inheritance tax. It will also avoid the need to wait for probate to be granted and the death benefits are payable much sooner.

   

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