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Loan sharks massing for attack

Tuesday, August 3rd, 2010

Homeowners across the country are being targeted by bogus loan fraudsters attempting to take advantage of the stricter financial qualifications High Street Lenders are asking for from customers requiring a personal loan.

It is becoming apparent that the credit crunch and the new austerity measures imposed by the present government, has inspired a whole new industry to spring up around borrowing money and most of it is illegal. The fraudsters have discovered members of the public already in significant debt are particularly vulnerable to the scam and are now targeting these people.

The scam works in a number of ways, the basic scheme comes into operation when a member of the public receives a cold call, text or email from an unknown company offering loans at very good rates, usually far better than a person with a bad credit rating can get from a High Street Bank. The customer is told that the loan repayment conditions are indeed true and that all they have to do is pay an administration fee up front. Of course once the victim pays the fee he or she finds that the loan company is suddenly untraceable and the money is lost.

The crafty crooks, however, don’t just rely on this method.  If they feel the basic rip off fee is not going to work on a particular victim they will still try to take advantage of the personal details they have gleaned from them. Bank account details, dates of birth and of course addresses are often disclosed before the victim realises the loan company is not exactly bona fide, and these can lead to even more sinister crimes such as phishing and identity fraud. Crimes which leave the victim with an empty bank account but also continuing problems with credit in the future.

Avoiding this nightmare situation is easily done by just using common sense measures when dealing with financial matters. Never, ever, pay an upfront administration fee. Even respected banks often now put administration fees on loan deals so the scam sounds plausible but always insist any fees will only be paid once the loan is in place. If this can’t be done then try somewhere else. Remember the old adage “Too good to be true”. If a deal sounds too good to be true then it more than likely is.

It is nearly always possible these days to buy legal cover with your household insurance policy; victims of scams should remember this when trying to recover their losses.

Tags: credit crunch, debt, Home Insurance, loan sharks, money
Posted in Home Insurance, Home Security | No Comments »

Bathroom on a budget

Thursday, July 29th, 2010

Almost every homeowner can identify rooms in their house where improvements can be made; unfortunately it is also often the case that the cash to complete the project is not always available. This is often the case when moving in to a new property.

Take my new flat for example, all my savings had gone into the deposit for the mortgage and the small amount I had left went on essentials such as moving costs, i.e. Solicitors fees, removal company and household insurance for the new place. A new bathroom was out of the question but something had to be done. It was a fairly small and basic bathroom when I moved in - it still is, but since then I have made some changes which didn’t cost the earth yet provided me with a workable solution.

The bath tub had those old fashioned hot and cold taps and a tap fitting shower hose that was left by the previous owner, so I replaced them with a shower mixer fitted by a plumber. The plumber first said that he wouldn’t be able to fix the mixer as the bathroom was not built for shower use - he was right, the walls were only tiled up to about 10 inches above the bath tub. So after a bit of thinking I decided to fix it just above the tiles. In that way, you could still take a shower on your knees or sitting down and the water wouldn’t spill outside the tub. This worked brilliantly.

The bathroom has a large window overlooking someone’s back garden and a blind. The window is obscured with some pretty patterns, but I was still not quite comfortable so I fitted a thin curtain. The blind did not look great as it had some mould marks towards the bottom which I could not remove. I found out that the blind was a lot longer than the window length, so instead of buying a new one I cut off the moulded part, trimmed and tucked the end with UHU glue - and it looks as good as new now!

My next project will probably be to make the walls a little more shower friendly so that you can take a shower standing up and more freely. I know that some manufactures make sandblasted glasses for that purpose, which you can fix with products like Unibond or No More Nails. That, to me, seems like a hassle free and aesthetic alternative to tiles! If it worked then I would like to fit a shower rail - then my project would be complete.

Tags: budget, household insurance
Posted in Advice for Tenants, Home Insurance | No Comments »

A cast iron certainty to improve a bathroom

Wednesday, July 28th, 2010

Early plumbing systems for a bath have been documented as far back as far as 3300 BC with the finding of copper water pipes underneath a palace in the Indus Valley Civilization of ancient India. The Roman Empire of over 2000 years ago was famous for its love of bathing. Around 500BC all Roman citizens were encouraged to visit the many public baths on a daily basis. The Romans used marble for the bath tubs with bronze and lead for the pipes, they also created a very complex sewage system for sanitation. In fact the Romans set the bar high for personal hygiene. Bathing was still very popular until shortly after the Renaissance, when it was replaced by the heavy use of sweat bathing and perfume, because it was thought at the time that water may carry disease and infections into the body through the skin.

Cast iron has been used in the manufacture of baths for hundreds of years. A cast iron bath was once very common in the bathroom of a home before being replaced over time by man-made materials. Having a cast iron bath is now very much sought after in bathrooms of home-owners trying to create a contemporary home. Cast iron baths are the original roll top bath, named because of the way the top of the bath curves over. They are similar to a steel bath because they are both immensely strong and very rigid, both are coated with porcelain enamel, and both are very easy to clean and have a long life. The bath is cast from iron in a mould, then after forming the bath shape it is chemically cleaned, this ensures the surface is spotless before applying the enamel coat. A porcelain enamel coating will then be sprayed onto the bath and the entire bath is then fired in a large kiln to give a very strong chemical bond between the enamel and the cast iron.

The bath will not need a cradle or a frame as its strength will allow feet to be cast or bolted onto the body of the iron bath. The feet of the cast iron bath are not normally adjustable because the bath itself is extremely heavy. Because of this, it is important that a cast iron bath is only put on a very solid and level floor. It is very important that checks are made to make sure the floor is strong enough, or the bath may end up in the living room and a claim on the cheap home insurance policy ensues. The clawed foot is one of the most popular types of foot for a cast iron bath. A cast iron bath that has clawed feet is not normally enclosed and is often featured in the middle of the room. This allows the householder to apply some decoration on the underside of the bath and it is possible to get some very attractive designs to highlight the clawed foot bath.

Tags: Advice, Advice for Tenants, Home Insurance, household insurance, Saving Money, tenants
Posted in Advice for Tenants, DIY, Home Insurance, Saving Money | No Comments »

Protect the PC the way you would a house

Thursday, July 22nd, 2010

Not so long ago, access to the internet was via dial-up connection and kettles across the country were switched on as people waited for the screen to display the World Wide Web, it was that bad! In just a few years broadband has arrived making things much faster. Wireless broadband has been another improvement and with it came the wireless router.

Today, a broadband connection is not just limited to serving one computer. A wireless router will make it easy to connect every computer in the home, but if the homeowner is not careful the wireless router can give access to more than just the people it was intended for. No one wants to make a claim on the household insurance because a door or window has been left open. Making sure all the computers are safe, especially the WiFi connection is just as important as locking doors and windows. Wireless sharing is a good way to make the most of a broadband internet connection, it can also raise some security issues, but a properly configured wireless network could actually make all the computers safer, this is due to the router’s built in firewall. Not only can every computer gain access to the internet at the same time, but when a wireless router is set up correctly other devices like printers, PDAs, cameras and internet telephone handsets can also take advantage of the wireless capabilities.

Using a wireless router is definitely the most convenient way of getting the best from broadband. A wired router leaves a trail of chunky Ethernet cables all over the home. It is possible to do without a router and instead use Windows Internet Connection Sharing which can turn one of the computers into an internet gateway. However, by doing this the other computers in the home will only have a constant internet access if the gateway machine is constantly switched on, which to be fair is an expensive waste of electricity and will make a carbon footprint a few sizes bigger. However by installing a WiFi router it would solve all of these problems, and it is very easy to do.

A wireless router creates a network that all of the homes computers can use to access one broadband connection. It may sound complicated, but in reality it is very straightforward. The Wireless routers job is to act as a junction box that will join the network of the home together. The wireless router will connect to the broadband line through a modem, then each of the computers in the home will connect to the router either wirelessly or, maybe if it is in the same place as the router, it will be through one of its wired ports.

For a wired connection, the computer must have an Ethernet adaptor (which most recently released systems will have), built into the motherboard. To connect wirelessly, a computer must have a wireless network adaptor.  If it is a laptop chances are it will have one built in already, if it is an older desktop that is being used they are very easy to add on. The kind of router needed depends on what the broadband connection is and also the existing hardware. If it is a cable modem with an Ethernet port, than this be can used with a new router. If however it is any kind of ADSL modem it is recommended that a router with an ADSL modem built in is used, because it is a lot easier to set up and does not cost much more.

If a wireless network is left unsecured, it will mean that anyone who is within range and who has a WiFi equipped computer would be able to use the broadband line, and have access to the computer and all the files connected to it.  It may seem somewhat unlikely that a hacker will do this, but just bear in mind that ‘bandwidth stealing’ is becoming all too common.

Tags: household insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance, Home Security | No Comments »

A tasty way to start saving the planet

Wednesday, July 21st, 2010

Growing your own food is one of the easiest ways of reducing a carbon footprint. There are not many better feelings than snapping off some leeks, pulling a handful of new potatoes or harvesting green beans from the garden. With money still tight for most people, home gardening is a great way to eat affordable and healthy food, as well as connect with nature and have the joy of watching them grow. Leeks are a very easy vegetable to grow and also one of the mildest tasting vegetables in the onion family. Leeks are known for their long stems and are great when used in soups, stews and casseroles, while lettuce is another easy vegetable to grow, and is very popular with gardeners old and new because within 6 weeks of planting, they can be harvested.

Not since The Good Life was on television has the United Kingdom been planting, sowing and harvesting in such numbers. Many people are very worried about food miles while others want to eat more wholesome organic produce, whatever the reason more and more are choosing to grow their own.  It is not surprising then, that sales of vegetable seeds have now overtaken sales of flowers. An important job of being in the garden more is making sure the home is secure; make sure all doors and windows are secure in case any opportunist thieves are in the area. Also if you bring anything valuable out into the garden with you while working, contact your household insurance company to check theft from the garden is covered on the policy.

The good news is that anyone can grow vegetables. It does not matter how big or small the plot size; it can be a window sill or a massive garden. Many are doing organic gardening as a hobby that helps them relax. The organic garden has increased in popularity over the last few years, and even though organic food is very easy to get at all supermarkets, gardeners would rather do it themselves. Organic gardening is very satisfying and is done with the use of no chemical fertilizers no pesticides and no artificial supplements during the growing process. Making the compost is so much more fulfilling than grabbing a bag of chemical fertilizer. It is simply using up garden and kitchen waste material.  Use potato and other vegetable peelings; add some rose cuttings which will help with the texture.

Organic gardening can give a good sense of pride even if the only space available is a small patch of land. It is even possible to get the children involved in organic gardening, by encouraging them to have an interest in how the food is made. They are sure to have some fun helping with the making of the compost, planting seeds and trying to think up ideas on how to remove any bugs. But most of all, they will love eating all the delicious food that has come from the organic garden. “

Tags: Garden, Garden Insurance, Growing vegetables, Home Insurance, Home Security, household insurance, Saving Money
Posted in Advice for Tenants, Contents Insurance, Garden, Home Insurance, Home Security, Possessions Insurance, Saving Money | No Comments »

Beware the rogue builder

Monday, July 19th, 2010

Finding out that a rogue builder has been hired for a job in the home is a terrible feeling. Months of planning and putting away hard earned cash in readiness for the realisation of a dream, decimated by the actions of a conman.

Thousands of people fall victim to rogue builders every year, they are not just the scourge of households but of the construction industry as well. It is true that they only make up a small minority of those working in the building trade, but that is of no comfort to anyone who falls victim to them. Television shows abound with stories of rogue builders, and not just in the United Kingdom, television shows made in the USA and Canada show the problem is worldwide.

Whatever the job it pays to know how to spot and avoid the nightmare a bad tradesman can bring about. Large building alterations usually mean a large investment, and the dream of a brand new extension or a loft conversion can very quickly turn into a bad dream if a quality contractor to carry out the work is not chosen. Remember this as well, no job is too small for the rogue builder! Even removing a radiator can cause massive problems and if everything that could go wrong, does go wrong, the heating could be down for days, not to mention flooding, which could lead to a claim on the household insurance.

What is the best answer to the question how can I avoid employing poor tradesmen? Spend as much time and energy on finding a tradesman as you can and do not just plump for the first one.  Make sure you get at least three quotes, if there is a big discrepancy in them then ask yourself why before you commit to anything.

The house is probably the most expensive item a person will own and so a trustworthy builder should be top of the list when looking for home improvements. Every builder will tell you the best way to get work is through “word of mouth”. This can also apply to the customer and in this era of information at the click of a mouse there are quite a few websites that list both the builder and a rating from the householder.

A good builder will not knock on the front door and say they are working in the area and have a lorry load of tarmac. If they do, be polite and thank them and ask for a business card with contact details. Good trade’s people are always busy so if a builder says he can start tomorrow the chances are that he has got no other work to do.

A rogue builder will probably only have a mobile phone to be contacted on, and no land line number could be the first sign to set alarm bells ringing. Good tradesmen may work from home but they will not be scared to give their number and address out to potential customers. Rogue builders may suggest that paying them in cash will cut the bill. Yes it will, but it also means that there is no proof that they ever did the job. Always insist on a receipt issued on company headed paper.

Tags: Home Insurance, household insurance, Rogue builders, Saving Money
Posted in DIY, Home Insurance, Saving Money | No Comments »

Make room for DVD’s

Thursday, July 8th, 2010

The dawn of the digital era has seen most households acquire more luxury items, thus making cheap household insurance an essential to a great many families. It was not always like that, many years ago the state of the art piece of technology in most homes was the video player. And for those of a certain age, somewhere in the house there will be some big bags or even boxes containing dozens of video tapes.  Some of these tapes will be important and have footage of a wedding or birthday party, while others will perhaps have episodes of Quincy or Magnum PI. Whatever the reason the tape was kept for posterity, it is very unlikely it will be on its own. People have hoarded millions.

When the video came out, it was as if the future had arrived. We could record a television programme and watch it at a later date. Everyone thought it could not get any better. Well everyone was wrong, VHS cassettes have gone the same way of the dodo, and they degrade over time due to repeated playing, they are just too big and unwieldy for the digital age. A video is now very tedious to have to use, endless rewinding and fast forwarding, trying to find the exact point on the tape can be exasperating. However, don’t throw away those old cassettes just yet, because we are now in the digital age and it is possible to transfer the entire contents of the tape onto a recordable DVD, which will allow the viewing of VHS movies and old television programmes. A video player is now very hard to get hold of, and the time will come when they will be gone. It is not a difficult job to transfer VHS to DVD, the easiest way is to use a recordable DVD player.

Before starting the journey on this transfer delight, remember these two points. Firstly, shop bought video cassettes of films that have a built-in copyright protection and cannot normally be copied be to a DVD disc. This should not really be a problem as any film that is likely to be on a VHS tape will be available on DVD for a very small sum of money. Secondly, when copying from tape to DVD, the resulting disc will not look as crisp as a newly bought DVDs as the image quality will be slightly compressed

By far the simplest  and most efficient way to record a VHS tape over to DVD is to use a combo player with a recordable DVD built in, which will carry equipment for both formats in a single (if rather large) unit. Place the VHS tape in the unit (and set the television to show the VHS option), then press record on the DVD side of the combo just before playing the tape. Then simply let the VHS tape run from the start to the finish and do not  stop the tape; if the tape is paused or fast forward put in motion, it will show up on the DVD. When the tape has run through to the end, press stop and check the DVD to see if the transfer was completed successfully.

It is also possible to buy a VHS-DVD burner, which is designed solely to transfer tapes to DVD. These are very easy to connect to a VCR and will convert the tapes much quicker than the combo unit does. If there are a large number of tapes to transfer it is worth thinking about.

Tags: DVD, household insurance
Posted in Contents Insurance, Home Insurance, Possessions Insurance | No Comments »

Television no longer a box in the corner

Wednesday, July 7th, 2010

With so many HD Television channels starting to appear, getting a new HDTV is becoming more popular. Wanting tobuy a new HDTV is easy; knowing which one to get can be the hardest part. Is it Plasma or a LCD HDTV?  Firstly decide how much money is available to spend on a new television, and when a new expensive television is bought, make sure it is covered on the household insurance policy. Bear in mind that a LCD TV will only use about a third to half the electricity that is needed to power a Plasma screen television of the same size, so take into consideration the amount of money that will be saved over the lifetime of the television by going with an LCD television.

The lighting of the room needs to be considered. In a very bright room, a LCD television will have better pictures as they are not as reflective as Plasmas. While in a dark room the plasma television will give the better picture. This is simply because a Plasma television will display black much better than a LCD television can do. Decide whether the viewing angle is an important feature. A LCD television is best viewed at a straight on angle because the bigger the angle a LCD is looked at, the more the picture will darken slightly. A Plasma television has better viewing angles.

Another consideration is the type of films that will be watched and whether the television will be used playing lots of video games. On a LCD television, motion blur can be noticeable with fast images. With a plasma television it will be barely noticeable. If a lot of sport will be watched on the television, then the only one to choose is a Plasma TV. It has got an amazing viewing angle, which basically means that watching a game will have the same perfect picture from anywhere in the room.A Plasma television will provide the best colour, the best contrast ratios and the best motion in the HDTV department. This is because each individual pixel controls both the brightness and colour which gives the plasma televisions much more shadow detail, as well as better depth of field.

Finally a Plasma television will last just as long as a LCD TVs. Most plasma manufacturers give a life span of around 100,000 hours. This is a huge number, even if watching a television for 18 hours a day. If picture quality is at the top of the list then a plasma television is the only way to go. Soon there will be another television to choose from, the LED television is the new kid on the block, and it is making giant steps in the television market. The developers of LED televisions say thy will be so thin that they can be attached to the wall as if it was wallpaper. LED Televisions do cost a fortune, but they do offer a much better picture quality and resolution when they are compared to both Plasma televisions and LCD televisions.

Tags: Contents Insurance, Home Insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance | No Comments »

Prepare a wall surface to hang wallpaper

Tuesday, July 6th, 2010

When a decision has been made to re-wallpaper the walls in a home, the old wallpaper will need removing first. It is best not to paint over old wallpaper, which over time, can buckle if coat after coat is applied. As with paint, any new wallpaper will not stick as easy to old wallpaper as it would to a well prepared wall. Luckily, wallpaper that has been applied with paste and water is, as a rule, not very difficult to remove, as long as the right materials and a decent amount of time have been given up for the job. Clear any furniture from the room, if that is not feasible just move it to the centre of the room and then cover with sheets for protection. Be careful when moving furniture and check if any accidental damage will be covered on your household insurance. Place sheets over the entire floor as this can be a messy job.

Look for a seam in the wallpaper and using a knife, lift up as much of the wallpaper from the seams as is possible. Slowly remove the wallpaper while trying to avoid tearing; this is because the more wallpaper that is removed with just the knife, the less mess will be created. The wallpaper that remains should be scored using a knife or wallpaper scoring tool. Be careful using a knife as the wall may be marked or scratched; a wallpaper scoring tool will not do this because of the design. Soak a sponge or even a paint roller in some warm water and apply to any stubborn sections of the wallpaper that remains. The idea is to get the areas of wallpaper left wet enough to loosen the wallpaper glue, be careful not to soak them. Remove the wet sections of wallpaper with a paper scraper; some stubborn areas may need to be wetted a few times before they will loosen enough to be removed

The old wallpaper has been removed but there will still be paste on the walls, and by removing this before starting with the new wallpaper, the room will appreciate the extra care and attention. Removing the old paste is both easy and messy so keep a few towels nearby to help clean up at the finish. Fill a bucket with water that is hot but not boiling and add a small amount of washing up liquid. The soap that this will create will be a great help. Using a sponge, simply wash the walls making sure the water remains fairly hot. For best results, when the water goes cooler, replace with hot water and continue to wash the walls with the soapy water.

After washing the wall, empty the bucket of soapy water and then refill it with some fresh, clean water. Using a clean sponge wash the walls again, this time the job is much easier as it is only soapy water that is being removed. Use some dry cloths to dry the wall and all the old wallpaper paste will have been removed, leaving the walls perfect for the new wallpaper.

Tags: DIY, household insurance, wallpaper
Posted in Contents Insurance, DIY, Home Insurance | No Comments »

Work from home and save the world

Friday, July 2nd, 2010

More and more businesses are allowing their staff to work from home on both a full and part time basis. And a business that will allow working from home will improve the number of people from which they can recruit, which in turn will boost their chances of recruiting the right employee successfully. Since the internet became a necessity rather than an option, it opened up a whole new range of possibilities for the way a business can work and be structured. Flexible working regulations mean employees who have parental responsibilities of children under 16, or disabled children under 18, and even carers of certain adults can benefit from working from home. If working from a home office means having extra equipment in the home, contact the household insurance company and tell them about this.

Working from a home office can also be the first step towards a green future. It saves the trouble of travelling to the office everyday, and in doing so saves a lot on travel costs thus having a smaller carbon footprint. Whether the threat to the earth is real, enough people believe it is and are not only working from home but remodelling to make the home office a green office. Having a green home office will in the long run be very beneficial; it will also save a lot of expense.

Bamboo is one of the best renewable resources. It is both easy on the eye and hard wearing, so there is no need to replace items each year. For the home office, furniture made of bamboo such as tables and chairs will provide a good look to the green office. Use paint that is certified as eco friendly and which is also made using only natural resources, so the paint will not harm the environment. Try and reduce the amount of paper used in the home office by minimizing the amount of printing done. Think about the need to print out any email or documents that are being worked on. Keep all the documents and any paper mail you receive and then use the back of them as note pads. Any envelopes can be used to write down quick notes. Think about how all of the equipment in the home office is used.  A computer, modem or a printer does not need to be left on for 24 hours a day. If they are turned off at the end of the working day over the course of a year a very noticeable saving will have been made. More savings can be made by using energy efficient lighting as they will reduce consumption and also contribute towards saving of the environment.

Try and keep two bins in the home office, use one to put all the items that can be recycled such as paper in, and the other can be used for everything else. Learn about e-waste, and anytime that a change or upgrade of a piece of office equipment is needed, try and recycle it. A lot of the components in older electronic equipment will contain hazardous materials and really should not be just thrown into the normal rubbish.  A lot of towns and cities now have electronic recycling locations where you can take any e-waste.

Tags: Home Insurance, Working at home
Posted in Home Insurance, working from home | No Comments »

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