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News Center - Springhill Group Home Loans newscentershgh Heating Systems Explained Gas Heating Systems Modern gas central heating systems are safe, controllable and efficient to run but can cause confusion as they have a number of controls that you may not fully understand. Using heating controls properly can:- Improve the comfort of your home Reduce the energy used and your fuel bills Avoid the risk of condensation dampness To get the best out of your system, you should follow the manufacturers instructions. If you have mislaid the instruction booklet for your systems, most manufacturers can provide a replacement. Why have controls on a gas central heating system? For a gas central heating and hot water system to operate efficiently it must be able to be controlled so that heating and hot water are provided at a suitable temperature, when and where you want it. Most systems include:- Boiler (which can be a condensing, condensing combi, conventional or conventional combi model) Hot water tank for systems without a combi boiler Room thermostat Radiators Thermostatic radiator controls Programmer The Boiler A conventional boiler heats up the water which is circulated through radiators to provide heat. The water also circulates through a coil in the hot water tank, which in turn heats up the rest of the water in the cylinder to provide running hot water. If your boiler is a 'combi' boiler then the water is heated instantaneously when the hot water taps are switched on. The thermostat on the boiler controls the temperature of the water circulating around the system. Please refer to the manufacturer's instructions for the optimum setting of the thermostat. Hot Water Tank Most hot water cylinders have a thermostat; this is recommended to be set at 60°C. To retain as much heat as possible the cylinder should have 80mm of insulation. Radiators Radiators are most commonly used in "wet" (uses water) central heating systems. T

"Briefs..... - thenews.com.pk - Facebook  http://www.facebook.com/notes/bethany-rawlins/briefs-thenewscompk/270309179753391 China paper hints at anti-Japan sanctions BEIJING: The mouthpiece of China's Communist Party warned on Monday that Japan's economy could suffer for up to 20 years if Beijing chose to impose sanctions over an escalating territorial row. Anti-Japanese protests have been held across China in recent days over a dispute on a group of small islands in the East China Sea claimed by both countries but controlled by Tokyo. The row intensified last week when the Japanese government bought three of the islands, effectively nationalising them, and China responded by sending patrol ships into the waters around them. Trade sanctions between Asia's two biggest economies could cast a pall over growth on the continent, which major Western countries are counting on to drive recovery from the global slowdown. A commentary in the People's Daily newspaper said the Japanese economy has already experienced two lost decades from the 1990s and was suffering further weakness in the aftermath of the world financial crisis and 2011 earthquake. Digital news offering aims at high ground WASHINGTON: It seems like a terrible time to be launching a news operation.But there are opportunities and niches, and the new digital media launch called Quartz from Atlantic Media Company seeks to exploit them. Quartz is set to launch in the coming weeks as a "100 percent digital" news operation covering "the most important themes of the new global economy," said editor-in-chief Kevin Delaney. Quartz has been recruiting a small number of veteran journalists for an overall news staff of around 25 people. The operation will feature tablet and mobile displays as well as a desktop website, qz.com. "There is an opportunity to do great journalism on a digital platform," Delaney, a former managing editor of The Wall Street Journal Online, told AFP."It's a great

" China paper hints at anti-Japan sanctions BEIJING: The mouthpiece of China's Communist Party warned on Monday that Japan's economy could suffer for up to 20 years if Beijing chose to impose sanctions over an escalating territorial row. Anti-Japanese protests have been held across China in recent days over a dispute on a group of small islands in the East China Sea claimed by both countries but controlled by Tokyo. The row intensified last week when the Japanese government bought three of the islands, effectively nationalising them, and China responded by sending patrol ships into the waters around them. Trade sanctions between Asia's two biggest economies could cast a pall over growth on the continent, which major Western countries are counting on to drive recovery from the global slowdown. A commentary in the People's Daily newspaper said the Japanese economy has already experienced two lost decades from the 1990s and was suffering further weakness in the aftermath of the world financial crisis and 2011 earthquake. Digital news offering aims at high ground WASHINGTON: It seems like a terrible time to be launching a news operation.But there are opportunities and niches, and the new digital media launch called Quartz from Atlantic Media Company seeks to exploit them. Quartz is set to launch in the coming weeks as a "100 percent digital" news operation covering "the most important themes of the new global economy," said editor-in-chief Kevin Delaney. Quartz has been recruiting a small number of veteran journalists for an overall news staff of around 25 people. The operation will feature tablet and mobile displays as well as a desktop website, qz.com. "There is an opportunity to do great journalism on a digital platform," Delaney, a former managing editor of The Wall Street Journal Online, told AFP."It's a great time to launch a proBject like this. We've learned the lessons of what works over the last few years." Quartz will offer free con

"http://newscenter-springhillgrouphome.blogspot.co.uk/2013/03/speed-help-for-nevadans-homeowners.html   http://springhillgrouphome.com/2013/03/speed-the-help-for-the-nevadans-homeowners/   $200 million from federal government was given to Nevada to avoid homeowners from losing their homes.  Nevada had the highest foreclosure rate in the nation but a Reno Gazette-Journal analysis of the fund distribution confirms that the money was almost intact in the past two years.   Nevada only spent $21 million of the $194 million it was to be paid to homeowners facing foreclosure, this means only 11% of the money it received through the Obama administration's Hardest Hit Fund, this is according to the most recent reports of the analysis of U.S. Treasury the third quarter of 2012   "This is government bureaucracy at its finest," said Victor Joecks, communication director of think tank Nevada Policy Research Institute. "They can't even give away $200 million. This program is a perfect example of why government shouldn't pick winners and losers in the economy."   According to Nevada Hardest Hit officials, just in January, the nonprofit gave $7.2 million in direct aid to help homeowners avoid foreclosure.  A total of $28.4 million was given by the program since it began in mid-2010, which is only 5% of the allocation. More or less 25 % of what they have given out was given out in January.   Mortgage assistance and principal reduction are the two separate components of the state Hardest Hit Fund program that has much given the aid.  75 percent of the budget went to direct aid from July 2011 to June 2012; this is another analysis of yearly financi

Apple's reputation for protecting big-time developers has suffered yet another rap as a fake Pokemon game that does not even work was approved for sale on their App Store and even managed to rank 2nd on the iTunes charts. Considering the developer's description of the app as 'just like the original' as opposed to the terrible user ratings, the whole thing is simply a scam. The Pokemon Yellow app first appeared in the App Store of iOS this weekend and tons of users quickly jumped at the thought that Nintendo finally joined in the app sector, never mind that the developer name under the app is a certain 'House of Anime'. Soon enough, people who bought the 99-cent app ended up disappointed as they discovered the game does not work because it's just an unauthorized copy. The developer, Daniel Burford aka House of Anime, also authored other questionable apps like YuGiOh+ and Digimon+. In his entries, he is claiming that 'all copyrights and trademarks are owned by their respective owners', obviously taking intellectual property rights lightly.   And most of the people who downloaded the game does not even know the it's not official, which just shows how popular the Pokemon franchise is even after 10 years of being in the market and its first appearance in the Game Boy. User reviews that rated the app with just one star and commented that the game does not do anything except display the title screen. And according to further reports from victims, it crashes on practically every device. It won't be surprising if the game's code only contains a bit of user interface to show that splash screen. The scam has put into the spotlight Apple's current approval procedures and guidelines that app developers always deem as mysterious and strict. Since a fake game passed their app review, Apple's policy is not so thorough after all. They do not seem to perform any kind of legal or technical check prior to putting an app for sale on their iTunes Whil

http://newscenter.springhillgrouphome.com/2012/03/springhill-group-home-fake-pokemon-games-top-app-store/ Apple's reputation for protecting big-time developers has suffered yet another rap as a fake Pokemon game that does not even work was approved for sale on their App Store and even managed to rank 2nd on the iTunes charts. Considering the developer's description of the app as 'just like the original' as opposed to the terrible user ratings, the whole thing is simply a scam. The Pokemon Yellow app first appeared in the App Store of iOS this weekend and tons of users quickly jumped at the thought that Nintendo finally joined in the app sector, never mind that the developer name under the app is a certain 'House of Anime'. Soon enough, people who bought the 99-cent app ended up disappointed as they discovered the game does not work because it's just an unauthorized copy. The developer, Daniel Burford aka House of Anime, also authored other questionable apps like YuGiOh+ and Digimon+. In his entries, he is claiming that 'all copyrights and trademarks are owned by their respective owners', obviously taking intellectual property rights lightly. And most of the people who downloaded the game does not even know the it's not official, which just shows how popular the Pokemon franchise is even after 10 years of being in the market and its first appearance in the Game Boy. User reviews that rated the app with just one star and commented that the game does not do anything except display the title screen. And according to further reports from victims, it crashes on practically every device. It won't be surprising if the game's code only contains a bit of user interface to show that splash screen. The scam has put into the spotlight Apple's current approval procedures and guidelines that app developers always deem as mysterious

http://www.thenational.ae/business/energy/oft-tested-routine-for-nuclear-reactor-vips Oft-tested routine for nuclear reactor VIPs KORI, SOUTH Korea // Visitors to the construction site of Korea's latest model in nuclear reactor technology are first treated to a video about its many safety advantages. As the film about the APR-1400 reactors ends in the darkened room, automated shades draw back from floor-to-ceiling windows to reveal the immense concrete domes and construction cranes at the edge of the blue sea. Steam floats from a boiler undergoing tests, and workers in blue hard-hats confer at the base of the reactor buildings that seem as vast as a mall in Abu Dhabi.The design of Shin-Kori 3 and 4, as the reactors are called, is to be nearly identical to the four a South Korean consortium is building in the UAE. Adjustments for the Gulf's climate, from larger pumps to more air-conditioning units, are undergoing review, along with the rest of the design, by the UAE regulator. On a recent day at Kori, visitors representing

"http://www.fhanewsblog.com/2012/10/fha-warns-about-home-equity-mortgage-loan-scams/ The FHA official site includes a page about reverse mortgages and Home Equity Conversion Mortgages. On that page, you'll find a warning from the FHA and HUD about scam artists who take advantage of some loan applicants who don't know enough about the FHA's free information on HECM loans and reverse mortgage loans. "Reverse mortgages are becoming popular in America" the FHA site says, "Reverse mortgages are a special type of home loan that lets a homeowner convert the equity in his/her home into cash. They can give older Americans greater financial security to supplement social security, meet unexpected medical expenses, make home improvements, and more. If you are interested in a reverse mortgage, beware of scam artists that charge thousands of dollars for information that is free from HUD!" The warning is good-but what kind of information are these scam artists charging so much money for? According to the FHA, simple details such as the nature of a HECM loan, who is eligible, even free advice about whether a borrower should us an estate planner to find a participating lender. On this topic, the FHA and HUD advise: "FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA-approved lender.  You can locate a FHA-approved lender by searching online at www.hud.gov or by contacting a HECM counselor for a listing. Services rendered by HECM counselors are free or at a low cost.  To locate a HECM counselor Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you". Very good advice for borrowers age 62 an older (the only people who qualify for FHA HECM loans) interested in applying for an FHA Home Equity Conversion Mortgage. Here's another fact about HECM loans you might not know-according to the FHA official site: "By law, you have three calendar da

" Springhill Group Home Loan's unrelenting aim on Corporate Governance, superior standards of ethics and focus of perspective - Confidence, Reliability, Transparency and Expert Service are the essential attitude of SGH. Customer satisfaction is the tradition of all Springhill Group Home Loan's services. With SHG's state-of-the-art information and facts methods to provide customer's needs inspire customers in order to make the right home buying decision. This is what sets apart SGH's customer service philosophy - Housing Finance With You, All Through. Rural Housing Finance Springhill Group Home Rural Housing Finance Features offers home loans in rural areas for: Construction of Houses on plot owned by you Addition of more rooms or floors to your existing house Renovation & Improvement of your house Purchase of a new house For Agriculturists: If you are a farmer/planter/horticulturist/dairy farmer etc. having your own land and looking to have your own home, get in touch with us. Specially Designed Housing Loans for Agriculturists. Loan eligibility on the basis of land owned by you and the crops being cultivated. Housing Loan in residential area of your own village Loans for buying house or flat in city of your choice For Salaried & Self Employed: Everyone wants a place to call home, and then what better place than your village or town to own one. Housing Loans for homes in rural areas for Salaried persons Housing Loans for homes in rural areas for Self Employed Businessmen or Self Employed Professional. Loan Against Properties Springhill Group Home Equity Loans helps you encash the present market value of the property by taking a loan by mortgaging the property. Features of  Loan Against Property Purpose Loan can be for any purpose. However, the funds should not be used for speculation or any illegal purposes.  Customers have benefited by taking loans to meet the following funding requirements Education Marriage Expenses Medical Expenses Property

"A personal loan scam victim warns residents to be vigilant of phone calls from fraudsters. LISA (not her real name), from West Suffolk resident, lost £110 after sending over a code for an online voucher as a fee for someone who contacted her by phone promising a loan. They agreed over the phone that she will be receiving the money within 15 minutes; the money was supposedly for Lisa's new furniture. But instead of receiving the said money, she was asked to pay an additional £295 in voucher form Good thing is that she refused.  She rather contacted the police and is now warning residents not to fall prey to such schemes.She said: "I feel absolutely gutted and stupid that I fell for it. They're very crafty and I just don't want anyone else to fall for it. "The company has been harassing me with over 20 calls a day, emptied my bank account and left me nervous of borrowing from other providers." She added. This incident isn't new to Suffolk Police.  They have been receiving details of similar occurrences from residents and are also urging people not to provide personal information to cold callers. Ukash was the code given by Lisa, which can be bought from high street shops with cash and spent online using the code rather than providing bank or credit card details. A police spokesman said: "They are never genuinely used as advance fee payment for loans or other similar products. They are simply designed for the purchase of goods from the internet or other retailers. "Anyone offering a genuine loan will not ask for a cash payment up front for the service. "Fraudsters will try anything to get you to part with your cash so if you receive any unsolicited calls from people asking you for cash or voucher details then please do not give it to them." This is a great example that anyone can be a victim of these scams.  We must be very watchful and on guard of ourselves in all time. We will never know when fraudsters will attack in any form o

Hospital Corporation of America Chillers, Pumps, and Boiler Replacement Project Wednesday, January 18 · Edit "http://ambersanpedro.livejournal.com/1011.html This project consisted of removing and replacing (2) existing 1100 ton chillers, removing (4) existing tower water pumps which were replaced with (2), and removing (3) existing chilled water pumps which were replaced with (2). A single new 400HP boiler was installed where one of the existing original boiler's was demolished by an owner paid subcontractor separate from this contract. There was also a generator that was removed in order to make room in the chiller room for the new equipment and piping. A large condensing unit servicing some operating rooms had to be relocated in order to allow access to the mechanical room for demolition and delivery of the new equipment and piping. Much of the existing chilled water and tower water piping was removed and replaced with throughout the chiller room and on the mezzanine above the chiller room. Steam, condensate and fuel oil piping servicing the old boiler was removed and re-configured to meet the needs of the new boiler. Access to the south mechanical room was very limited. All of the equipment and piping had to be hoisted into and out of an access shaft just large enough for the new equipment. Besides the limited space, the set-up area for the hoisting rig was right next to the Emergency Room/Helepad entrance. The coordination with our hoisting and rigging subcontractor, the hospital personnel and Stanger Industries years of experience with similar projects proved invaluable on this challenging aspect of the project. One of the stipulations of this project was to insure that all systems would remain on line during the installation of all of the new equipment. In order to accomplish this task, isolation valves were installed in key locations to allow us to isolate this south mechanical room from the rest of the system and utilize the north mechanical room's

Welcome to Birds 4 You Aviary. We are a private parrot breeder specializing in hand raising and hand feeding parrots ranging from large Macaws, Congo African grays, and Amazons. To smaller parrots like Sun Conures, Indian Ringnecks , Quakers, and Parrotlets. We are located in Central Florida, just 10 miles north of the Tampa Bay Area in Trinity, FL. We are not open to the public on a daily basis but if you wish to see our birds please contact us and schedule a visit. What makes us different from other breeders is that we go the extra mile in hand taming our birds assuring that you will get the best possible bird available. Our staff has over 20 years experience in breeding and training large parrots. We do not sell birds to be show pieces or breeders. We wish for all our parrots to become a loving member of their adopting family. We make sure all our large birds are well socialized with both male and female humans as well as other birds of different sizes and species. In addition to hand feeding our birds we make sure each is allotted a specific amount of play time each day. Each parrot is weaned onto pretty bird gold pellets and gets a daily ration of fruits and vegetables to provide them with the proper nutrition that they require and deserve. Purchasing a parrot is a huge commitment. Some parrots like blue and gold macaws, and congo African greys can live in excess of 70 years with proper care and diet. All to often people jump into ownership head first without knowing what they are getting into. Macaws and CAG's are highly intelligent and have a mental capacity that rivals dogs, cats, and even dolphins. African Greys have been know to recognize colors, shapes and even associate human words with meaning. So it is very important your bird gets the attention and love that they deserve. Parrot Speceis that we offer for sale. We offer a number of different macaw species for sale. Our most common and most recommended would be the traditional Blue and Gold Macaw

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out mor

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and how to

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies Loans are interest free so you only pay back what you borrow Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? Installing cavity wall or solid wall insulation and/or loft insulation Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: Energy Performance Certificate (within the home report completed when buying, renting or selling a home) Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and ho

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies Loans are interest free so you only pay back what you borrow Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? Installing cavity wall or solid wall insulation and/or loft insulation Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: Energy Performance Certificate (within the home report completed when buying, renting or selling a home) Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and how to get th

The insurance fraud in Changwon uncovered by the Financial Supervisory Service is both shocking and disturbing. It involved as many as 1,361 people, mostly residents of the South Gyeongsang Province city, who either posed as fake patients or exaggerated their illnesses. Collectively, they claimed 9.5 billion won from 33 insurance companies between 2007 and 2011. At the center of the scam ― the largest ever in terms of the number of people involved ― were three unconscionable hospitals in the city, which recruited fake patients systematically in cahoots with insurance brokers and solicitors. They did this to increase revenue and ease their financial distress. The main ploy used by the hospitals was to share a patient, meaning they would arrange for a patient to check in the three hospitals alternately for a different disease. For this, they faked his illnesses and prepared false documents. For close cooperation, they shared patient information among themselves. This scheme helped patients pocket more insurance money. They all purchased multiple private health insurance policies before hospitalization. On average they received some 7 million won per person. In one example, a man in his 50s was hospitalized for a total of 564 days over three years, collecting 95 million won in insurance. The Changwon case followed a similar one that took place in Taebaek last November, involving more than 400 people in the declining mining town in Gangwon Province. They got a total of 14 billion won in insurance payments. As with the Changwon scam, three financially distressed hospitals in the city played a central role. The two cases suggest that insurance fraud is a fairly common occurrence in Korea. According to the FSS, the number of insurance-related crimes has surged in recent years. Last year alone, more than 70,000 people were caught for insurance scams, with the amount of false claims they filed reaching 423 billion won. Yet the figure represented just th

The insurance fraud in Changwon uncovered by the Financial Supervisory Service is both shocking and disturbing. It involved as many as 1,361 people, mostly residents of the South Gyeongsang Province city, who either posed as fake patients or exaggerated their illnesses. Collectively, they claimed 9.5 billion won from 33 insurance companies between 2007 and 2011. At the center of the scam ― the largest ever in terms of the number of people involved ― were three unconscionable hospitals in the city, which recruited fake patients systematically in cahoots with insurance brokers and solicitors. They did this to increase revenue and ease their financial distress. The main ploy used by the hospitals was to share a patient, meaning they would arrange for a patient to check in the three hospitals alternately for a different disease. For this, they faked his illnesses and prepared false documents. For close cooperation, they shared patient information among themselves. This scheme helped patients pocket more insurance money. They all purchased multiple private health insurance policies before hospitalization. On average they received some 7 million won per person. In one example, a man in his 50s was hospitalized for a total of 564 days over three years, collecting 95 million won in insurance. The Changwon case followed a similar one that took place in Taebaek last November, involving more than 400 people in the declining mining town in Gangwon Province. They got a total of 14 billion won in insurance payments. As with the Changwon scam, three financially distressed hospitals in the city played a central role. The two cases suggest that insurance fraud is a fairly common occurrence in Korea. According to the FSS, the number of insurance-related crimes has surged in recent years. Last year alone, more than 70,000 people were caught for insurance scams, with the amount of false claims they filed reaching 423 billion won. Yet the figure represented just the tip of the

I know that Bristol board is usually used for catalog and book covers, tickets, tags and printing brochures. But as a student of architecture and an avid designer, I use this kind of paper for my scale models (which, for those who are not familiar with the term, is a smaller physical version of something bigger, like a building or an automobile). I currently have several sets of two- and three-ply bristol papers that are used as walls of my scale models. One-ply is almost translucent so I rarely use them. Bristol, as it is commonly referred to, is a kind of paperboard which is ideal for tons of things and comes in a variety of colors. I love using Bristol paper because it's very versatile. I buy a whole bunch of them and stack them on my desk so I have something nice to use in various illustrations, technical drawings and even 2D art forms. Actually, illustration boards are also fine in such purposes but I find it impractical for you can only use one side of it. On the other hand, Bristol board have two working surfaces, so basically, you can use either or both sides. And because I normally use charcoal and crayon as my primary media form, vellum finish is more ideal for me. It has a moderate surface texture which is really apt for friction-based medium. Works well with pens, too! (But if you are more focused on using ink, choose the plate finish Bristol paper instead -- it's glass-like texture is better suited for ink.) The current brand I use is from Springhill Vellum Bristol. This Bristol paper works like a charm. And it's very accessible, even online. Just go to Amazon.com and search for Springhill Vellum Bristol Gold. One pack contains 5 sheets and weighs a total of 1 pound so it's not that costly even if you order online. Their gold colored is consistent all throughout the papers and it is the exact hue I needed, too! I also found out it worked nicely when used in promotional materials (when I once ran out of specialty paper for our theater p