What the world need now is the power of love

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5G can never cause coronavirus

As a biochemist graduate I can confidently say there is no relationship between coronavirus and 5G.
 
Coronavirus is a biological virus that causes respiratory diseases that can affect the lungs and airways with Symptoms including cough, a high temperature and shortness of breath.
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5G acute radiation can result in radiation Sickness caused by exposure to high dose of ionising radiation with Symptoms including nausea, vomiting, diarrhoea, and drop in the blood cell counts.
 
Coronavirus is transmitted via molecular droplets (microbiology) while radiation from 5G is transmitted via radiowave (radiophysics).
 
5G radiowave radiation can never transmit molecular virus and as such can never cause coronavirus.
 

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Real service

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Thinking of buying a property?
Need help with residential and commercial property purchase/finance in the UK from start to finish, Please Contact me
Selling or renting your property in Greater Manchester? Get same day EPC for £45 only
Dennis Bebo – MSC, BSC, DEA, CeMAP

Covid19: EPC still a requirement for UK property sales and lettings

The UK government will not be relaxing requirements on Energy Performance Certificates (EPCs) despite movement restrictions put in place as a result of the coronavirus. In guidance published by the Ministry of Housing, Communities and Local Government (MHCLG) it was made clear that properties put on the market will still be required to obtain an EPC before being sold, let or built.

AssetRating-EPC-Bristol

It added that assessments should only be conducted where the work is essential.

This follows government-issued guidelines last week that urged people to delay or not begin the process of buying or selling a home unless it was absolutely critical.

A valid EPC is legally required when a property is sold, let or constructed and must be completed by an accredited assessor unless an exemption can be applied.

Landlords and sellers have seven days to obtain a valid EPC from the day the property is marketed, with a further 21 days grace period allowed if all reasonable efforts have been made to obtain one, but it has not been possible.

Restriction of movement laws and social distancing practices which have resulted in almost all valuers and surveyors stopping in-person property surveys are likely to have severely hampered EPC assessors as well.

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Selling or renting your property in Greater Manchester? Get same day EPC for £45 only

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

What must a mortgage lender do if a borrower is in arrears

The Financial Conduct Authority (FCA) considers that a reasonable period for repayment of arrears or a shortfall will depend on the borrower’s circumstances. In some cases, it can mean spreading the payments over the remaining mortgage term.

The lender must not attempt to process more than two direct debit requests in any one calendar month

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A mortgage lender must also establish and implement clear, effective and appropriate policies and procedures to ensure the fair treatment of customers whom the lender understands, or reasonably suspects, to be particularly vulnerable.

If a borrower is in arrears, the lender must consider whether one or more of the following actions would be suitable to help resolve the problem

  • extend the mortgage term;
  • change the mortgage type;
  • defer payment of interest due on the mortgage or sums due under a home purchase plan;
  • treat the payment shortfall as if it was part of the original amount – know as capitalisation and effectively adding the shortfall to the capital owing;
  • make use of any government forbearance schemes to help borrowers with problems.

Please contact your lender as soon as possible if you’re experiencing financial difficulties to get a suitable solution.

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

 

UK Property Projects: Avoid cowboys

Did you know that rogue traders are taking advantage of vulnerable UK home homeowners who are under increasing pressure to meet soaring living costs? Rogue traders will try to tempt you with ‘last minute deals’, cash in hand’ deals and installation work that is not backed by guarantees/insurance to protect you.

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Beware, not only is this illegal as the work will not comply with the Building Regulations, but the work will ultimately cost more and create more hassle in the longer term when the installation work turns pear shaped.

How to avoid cowboy builders

  • Tip 1 – Always go by a recommendation.
  • Tip 2 – Qualifications often prove competence.
  • Tip 3 – Be very specific specifying the works you want carried out.
  • Tip 4 – Agree the price of the job before starting any works.
  • Tip 5 – Pick installers who specifically carry out the works you want.
  • Tip 6 – Minimise upfront payments.

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

Business rate hits struggling UK High Streets hardest leading to more closures

Finding a new retailer for a prime spot in Blackpool town centre used to be easy.

In the 1980s and 1990s, firms would have been fighting over the keys to 18-22 Victoria Street, a large, modern two-storey unit directly opposite the shopping centre. Not any more.

Until last month, the property had been rented to Topshop and Topman. But their owner, Sir Philip Green’s Arcadia group, walked away when the lease came up for renewal. His shops have been struggling to keep up with the competition, and dozens, up and down the country, are being closed.

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“We are having difficulty attracting any interest, never mind a national retailer,” says Paul Moran, a ratings surveyor whose company, Mason Owen, is tasked with finding a new tenant.

Business rates, he says, were a factor in Arcadia’s decision to pull out, and they’re now a big barrier to someone else moving in.

“The first thing tenants look at are their outgoings. And when they see the rates bill, they will be put off by that. Normally you’d expect to be paying 50% of your rent in rates, but the rates bill in this shop is dramatically higher than that.”

With retail in turmoil, pressure is growing for change. So what are business rates and why are they a problem?

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Business rates are a kind of council tax for commercial property. All sorts of premises have to pay them, from offices, warehouses and pubs, to power plants, train stations and shops.

Bills are worked out based on the government’s estimate of how much the property would cost to rent on the open market. Businesses have to pay the tax regardless of whether the space makes any profit or not.

As a rule of thumb, your business rates bill is now typically half of your rent. That’s a big financial burden in itself for retailers with lots of shops. But many of our national chains aren’t even being charged the right amount to begin with. They’re paying millions of pounds more in rates than their rents would imply.

Properties get revalued every few years by the government to make sure the occupiers are paying the correct sums. Some bills go up and some go down. The last revaluation was in 2017.

For towns like Blackpool, this should have been good news because retail rents had collapsed. Their business rates bills should have dived as a result, bringing some relief to a town grappling with too many empty shops and years of government austerity.

But here’s the problem. Changes in bills, both up and down, are phased in gradually over several years to help businesses adjust. It’s like a shock absorber, and it’s called “transitional relief”.

The system is good news if your bills are going up, but not so good if you’re in a property due a big reduction. It’s a bit like being told you’re due a tax cut, but your bill will only be cut incrementally over five years, and you may never get the full reduction.

It works like this because the government wants to make sure it receives the same amount in business rates in real terms, or adjusting for inflation, each year. So rate rises and decreases must balance. This is an England-only policy.

And it’s the largest stores occupied by big chains that are the most affected. Blackpool’s 18-22 Victoria Street is a good example.

Source: BBC News

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk