Winter Energy Saving In The Office

During the coldest season of the year business energy costs are rising though less comfort is enjoyed because some simply can’t afford it. How does winter impact your energy bills? 

Heating the office in winter

When heating systems are performing at or close to their rated maximum capacity, their efficiency decreases while the amount of energy utilised is growing. In other words, more electricity is used to provide less comfort. This is exactly why your energy bills are getting higher in winter. 

What happens?

Considerable temperature swings outside the building make you use heating equipment for longer periods, which requires more electricity. In fact, just a few days of extreme temperatures can cause your bill to get much higher. During periods of extreme weather portable heating devices are among the major sources of energy demand. However, devices working much harder to heat your office may still not be able to provide the temperature level you have set. 

What you should do

• Install a programmable thermostat. Set the thermostat to lower temperatures at night and weekends when there’s nobody in the office. 
• Ensure the thermostat is installed and operating properly as it only saves energy when programmed. 
• Make sure the thermostat is located in the right place as it should be able to sense the average temperature in the office. Avoid placing it in direct sunlight or near a heat source. 
• Remember that lowering your thermostat by just one degree results in 3% energy savings. Encourage employees to wear long sleeved jackets inside the office if necessary. 
• Get a humidifier. The air in the office can be too dry for employees to feel comfortable. Moister air feels warmer, and it can contribute to overall employee comfort if you set the thermostat lower. 
• Keep the doors and windows closed yet make sure that the air in the office is not too stuffy by airing the rooms in the morning before the working day starts. 
• Close window curtains and blinds at night to keep the heat in and open south-facing window curtains and blinds during the day. 
• Check window frames and fill them with silicone caulk if there are cracks in them. Replace any broken window panes. 
• Remember to turn off the lights when leaving the office, especially before the weekend. Try not to use lights for more than six hours a day to keep your energy use down. 
• Turn to professionals for a developed energy saving campaign tailored specifically for your business needs. Energy efficiency tips and solutions can help you achieve 35% savings on energy bills within a year. 

Although winter is taking its toll on energy bills, there are ways to reduce energy consumption and spending without compromising on comfort in the office.

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Icy Road Conditions in Winter

As temperatures plummet in the winter months, the roads become more treacherous, with darker days and longer nights just the tip of the iceberg (if you'll pardon the icy reference). There's also the low visibility caused by heavy rains and snow – plus the most dangerous conditions of all: icy roads and the hard to see 'black ice'. When some or even all of these conditions combine, then it can be all too easy to lose traction on the slippery road surface and have an accident. Here are a few driving tips to help cope with the winter roads and to help you avoid injury – or at the very least, a road accident claim:

General driving on icy roads

The most basic thing to remember when driving in wintry conditions is to drive more slowly than usual and apply your brakes more gently. Make sure your visibility is maximized with frequent use of the windscreen wipers and screen defroster. Be careful about deploying brakes in general – on icy roads they can often do more harm than good.

When making turns, changing lanes or stopping give other drivers more warning than usual with brake lights and indicators and keep your distance, as icy roads mean significantly longer stopping distances. If a skid does occur, turn your wheels into the direction of the skid to regain control.

Another point to bear in mind is that ice remains slippery even when it is melting. Driving more slowly allows your tires to push more water through their treads, thus increasing traction.

Recovering from traction loss

There's nothing quite like the gut-wrenching feeling of skidding while driving, and icy road conditions make skidding an ever-present danger. Fortunately, how to recover from a loss of tire traction is relatively straightforward and – providing you were not driving too fast or recklessly at the time – usually works, with the overall aim being to maintain the path to your original destination. To do this, you have to fight the natural urge to focus on objects you're trying to avoid, such as barriers, trees or people, relying on the direction of travel to do this for you.

Just immediately take your feet of both the gas and brake pedals, and keep your eyes on the safe area you wish your vehicle to travel to, before turning smoothly in that direction.

Do not slam on the brakes, as this simply locks your wheels and removes all directional control from them.

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No Need to Compromise with Your Life: Live a Stress Free Life with Personal Finance Help

Finance (Photo credit: Tax Credits)

Many parts of the world now faces economic crisis and the sad thing is most of its citizens are not equipped to handle financial difficulty. None of us was taught how to budget or even how to handle our credit cards wisely when those are the important inevitable things that we will be coping with when we grow up. The majority of us learn how to handle our finances through experience which will probably mean that we have been tested in the area and may have received a score of A+ or F. So what do we need to do now if we are currently being stressed in the economic condition of our family? Here is an elimination process on how to look for personal financial help.

Create a Budget

With or without personal financial help, this will provide the needed foundation in solving all monetary dilemmas. You need to have information on your income and the money that is going out of your pocket. List down on one side the essential expenses like mortgage, car payments and utility bills and on the other side, miscellaneous expenditures like date night, pizza deliveries and gifts.  If the difference between the income and spending is positive then you do not need financial help but probably investment assistant that will further expand your savings, however, if the opposite happened then you may be experiencing stress in making ends meet and financial help may really be important.

Check the Internet

Check the Internet for sites that give financial assistance. There are numerous sources online that provide advice and suggestion which are usually free. They give ideas on how to be debt free, how to understand the mortgage of your house and even how to be frugal this Christmas. Constant reading and research is the key to finding the answers that your need, but if that fails you may go to the next step.

Attend a seminar on finances

The Internet may provide sound financial assistance. However, there are questions that need to be dealt with verbally, personally and with a live person in front. Attending a seminar will be the answer to the problem. Usually they have the question and answer portion at the end of the sessions that gives anyone the opportunity to express their challenges and receive a corresponding advice. Before registering for a class make sure that you have checked their promotional materials for the program, topics to be discussed and the resource speaker so that you will know if the seminar will be able to provide you the needed help.

Hire an expert

If there are still stones unturned and the financial problem is too big to handle then the skills of a hired professional will surely provide a program on how to solve the crisis. These financial advisers usually see the general view of the situation and the small details that may provide the solution for the person’s predicament. Though their services are certainly not free, you can be sure that they will never leave you until the monetary hurdle is over.

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Budgeting for Dummies: a Beginner’s Guide

Balancing The Account (Photo credit: kenteegardin)

If you’ve never had to worry about your own finances before - maybe you’re a student or someone who has lived rent-free with their parents and you’re moving out on your own for the first time - then it can be a daunting prospect and a very grown-up feeling. When once all you had to worry about was the price of a pint, now you’re having to think about whether you can afford to put fuel in the car, do the weekly food shop or go to the cinema.

Budgeting for the month ahead can be a really effective way of getting your personal finances in order, and it really can be quite simple if you allow it to be so - you don’t have to be Carol Vorderman! All you really need is a sheet of paper, a pen and a calculator and you could find that you’re not only making savings, but improving your bank balance as well.

Here are my three top tips for budgeting:

Balance - Outgoings = Available funds. It really is that easy an equation. Take note of your current bank balance at the start of the month. Then, write down all of your outgoings, such as rent, an estimate of how much you’ll spend on fuel and the food shopping, and any other expenses such as credit cards and add them all together. This gives you a total of how much you’ll definitely be spending, leaving you with an amount of money to last you for the week or month ahead depending on how you choose to do it. Then, if you want to, you can divide that figure by days or weeks and that is how much you have free to spend. It really can be that simple.

Online discounts. Shopping on the Internet is becoming increasingly popular with people taking advantage of 24-hour opening, an abundance of stock and online-only discounts which can provide some substantial savings. These can include 20% off at the checkout or even buy-one-get-one-free offers, giving you a lot of money off a product that you would’ve paid full price for on the high street. The money saved can then be saved or used to pay off other bills - a real win-win situation.

Make payments on time. If you've got a bank loan, credit card or payday loan (visit www.paydayloan.co.uk to find out more), then make sure that you make the necessary repayments by the deadlines stated in your agreements or statements to avoid any extra charges being incurred that you haven’t budgeted for. If you make the minimum payments - or pay more if you have the spare cash - on time, then you’ll soon find the amount you owe decreasing, freeing up more cash to really improve the bank balance, allowing you to go out next Friday night for your mate’s birthday.

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The Story of Greek Sovereign Debt Restructuring

Graphic "When Greece falls" presented by Dutch government on 21 June 2011, speaking of European sovereign debt crisis (Photo credit: Wikipedia)

Greece, one of the ancient-most civilizations, the land of Plato and Aristotle, had gone through one of the most troublesome financial situations, recorded in world history. After the democracy of the country was reestablished in the year 1974, the social model has seen huge sums of public deficits. With the beginning of the year 2007, a devastating financial crisis struck the Grecian order. By 2008, the Greek economy had been damaged with fatal results, and the country was left with no means to service the bond indebtedness. Before the bond exchange offer was perceived, the total amount of Greek debt had reached an estimated sum of 350 billion Euros i.e. approximately equivalent to 456 US dollars. 

The International Monetary Fund or IMF and the countries belonging to the Eurozone, as it is popularly known, had organized a bailout amount of 130 billion Euros or 172 billion US dollars, and hence Greece was needed to refinance and reduce its outstanding bond indebtedness with the help of an exchange offer, to the best possible extent.

 

Required to Pay Back Debts before paying Employees 

It was decided that Greece would have to pass a law as soon as possible, in which it would be stated that the country would give prior importance to repay its debtors, and clear these debts, before the government services are paid for. On the other hand, its bailout amounts would be temporarily deposited to an escrow account independent of the chief budget. This particular account should never run out of money, since it is meant to repay the debts that are in line to come up in the coming three months. 

However, the implementation of this law would have implied that Greece would have to stop paying its doctors, teachers and similar employees of the state, and be forced to pay the interest amount on the debts it has taken. The Tragedy is most of these employees are as it is not being paid the wage amounts they are entitled to receive. 

Greece Emerging Victorious 

However, in spite of facing search adversities and going through such turmoil, Greece has actually emerged victorious. The Hellenic nation has been able to undertake the most happening sovereign debt restructuring that has ever taken place in history. As many as 85.8% private Greek debt holders have decided to come into an agreement to sign a debt write-off deal. This news has been reported by the Ministry of Finance, Athens. 
This particular deal has worked miracles by cutting down the total Greek debts by about 105 billion Euros, equivalent to 138.8 billion US dollars. The reduced amount stands for about half of the private debt, Greece had in its name. As a result the path for the country’s second international bailout package had been carved out, and this package is going to worth an amount of 130billion Euros, i.e. 173 billion US dollars. The European finance ministers was reported declaring that they have no issue in releasing the first portion of the fund, an amount of 35 billion Euros or 46.2 billion US dollars, immediately. 

Author’s Bio: Dan Young is a freelance writer, professional blogger, and social media enthusiast. His blog Ukash Kart focuses on Finance bloggers. You can follow him on Google+

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Car Title Loans Sometimes the Only Solution

Car Title Loan Reflection (Photo credit: Jeremy Brooks)

A title loan is a way to borrow money against your motor vehicle. Based on your vehicle's value, a lender determines how much money you can borrow. On average, title loans are $250 to $1,500, but they can be as much as $5,000 or $10,000. The duration of these loans is often short-term, such as 30 days. In a title loan transaction, you keep your motor vehicle and drive it, while the lender keeps the title to your motor vehicle as security for repayment of the loan. If you cannot repay your loan, the lender will repossess your motor vehicle, sell it and pocket whatever you owe. Because of the risk of losing your vehicle if you miss a single payment, you should take the transaction seriously before taking out a title loan.

The biggest benefit to getting a car title loan is that it enables the borrower to get the money they need extremely quickly. Car title loans are usually processed within a day or two. This is because it is a simple process, that really only involves the lender looking at your car to make sure it is worth at least the amount you need to borrow.

Anyone with a car can get a car title loan. This is because there is no credit check or background checks involved. The lender is giving you a secured loan, which means that the loan is based on a piece of collateral that you are putting up. An unsecured loan is when there is nothing involved, but they are giving you money based on the assumption you can pay it back plus interest. There is virtually no risk for the lender, so they have high approval rates with car title loans. Car title loans are perfect if you have bad credit. A bank likely won't give you the ten grand you need for your debt or bills, but if you have a car, the title loan will get you what you need.

Car title loans are a big part of the non-banking community. They are often the only way someone can obtain cash in a hurry for a family emergency. Many people do not have access to lines of credit, credit cards, or personal savings. The greatest asset that most people have is their car. Usually their car is at least worth $1000 or more. Seeking a car AZ Title Loan is their best choice.

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