A merry heart is like medicine

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How to identify damp in your house

Damp is one of the last things we want to face at home. It doesn’t matter if we’re a homeowner or a renter, it’s not a good thing. It can make a room feel cold, unwelcoming and unhealthy, and at worst it can mean structural or weatherproofing issues.

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Structural dampness is the presence of unwanted moisture in the structure of a building, either the result of intrusion from outside or condensation from within the structure. A high proportion of damp problems in buildings are caused by ambient climate dependent factors of condensation and rain penetration. Capillary penetration of water from the ground up through concrete or masonry is known as Rising Damp.

From condensation to penetrating damp and the dreaded rising damp, different types of damp present different problems, below is how you can identify defects that will cause damp in your house and fix them on time before they cause structural and health issues.

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Damp checks

  • Flashings at junctions to roofs and chimneys.
  • Uncapped pots to open chimneys.
  • Badly eroded mortar joints to brick or stonework in walls.
  • Leaking gutters, downpipes and overflow pipes.
  • Leaks around windows and door flames.
  • Windowsills that don’t project out from the wall sufficiently, or have eroded drip grooves underneath.
  • Garden shrubs or mounds of earth banked up against walls.
  • A lack of ventilation indoors allowing a build-up of condensation from steamy kitchens and bathroom.

 

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

TSB announce 82 branch closure location

TSB has announced the 82 branches it plans to close in 2020, with much of the country affected.

Earlier this week, the bank announced there would be closures as part of a plan by new chief executive Debbie Crosbie to make £100m of cost cuts by 2022.

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The bank said that 370 positions would be hit by the closures.

It said it would offer help to customers and staff affected by the move.

The bank is repositioning itself following its IT crisis last year, which affected 1.9 million customers.

Robin Bulloch, customer banking director at TSB, said: “We will fully support customers through this transition.

“We realise this is difficult news for our branch partners and will do everything to support those affected to offer voluntary redundancies and redeploy as many people as we can to other roles.”

At the end of 2020, TSB will have a network of 454 branches.

Source: BBC News

 

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

3 out of 10 priceless diamonds stolen from German museum

Burglars have stolen three diamond jewellery sets from one of Europe’s largest treasure collections – the Dresden Green Vault in eastern Germany.

The historic sets consist of 37 parts each, and there are fears the thieves may try to break them up.

Officials are still trying to establish exactly how much was stolen in the break-in early on Monday.

A mother of pearl box

Saxony’s ruler, Augustus the Strong, created the collection in 1723 in what is one of the world’s oldest museums.

“Three out of 10 diamond sets have gone,” said Marion Ackermann, head of the Dresden state museums.

The stolen sets from the Green Vault (Grünes Gewölbe) are reported to also include some rubies, emeralds and sapphires.

The popular German daily Bild said the thieves had grabbed jewels worth €1bn (£855m).

Source: BBC News

 

 

Thinking of buying a property?

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

Help to Buy: First time buyers overpaying an average of 10%

Thinking of using the Help to Buy scheme? Be sure to weigh up the pros and cons – and check you’re not overpaying – before taking the plunge.

First-time buyers could be paying a premium of up to 22% if they use the government’s Help to Buy scheme to purchase a home, a study has found.

It showed that the average person taking their first step on the property ladder using the Help to Buy equity loan initiative paid £303,450 for their home – 10.3% more than those who bought without using the scheme.

The premium paid by first-time buyers using Help to Buy was more than double this level in Yorkshire and the West Midlands at more than 20%, according to Reallymoving.

Its chief executive, Rob Houghton said many first-time buyers find it difficult to raise a deposit and, as a consequence, are turning to Help to Buy – a scheme which operates only under the new-build sector where homes can command higher prices.

He adds that this is in addition to a premium applied for buying under Help to Buy.

“In many cases, first-time buyers simply don’t have the deposit required to explore other options, such as buying a second-hand home, which may offer considerably better value,” he said.

Source: Zoopla Property News

 

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

Help to Buy ISA ends this Month 30 Nov 2019; Act fast starts from £1 deposit

Time is running out for first-time buyers who want to get on the property ladder with a help-to-buy ISA (H2B).

The Government-led scheme gives first time buyers the age of 16 and over a 25 per cent bonus to help them buy their first home, and you can start up an account with as little as £1.

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If you want to benefit from the scheme you’ll have to act quickly, as the application deadline falls on 30 November – giving prospective account-holders just a month to make a deposit.

Once the deadline passes, the H2B scheme will be replaced by the Lifetime ISA (LISA).

While you can have both accounts open at the same time, you’ll only be able to get the 25% homeowner’s bonus on one.

It’s important to weigh up the pros and cons of both accounts before making a decision on which to use. For more information contact your bank or an independent advisor.

Thinking of buying a property?

Need help with property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk