Wednesday, January 18, 2012

Springhill Group Home : Heating Systems Explained

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 are most commonly used in "wet" (uses water) central heating systems. The water is heated by the boiler and travels through the radiators, giving out heat.
Thermostatic Radiator Valves (TRVs)
Thermostatic Radiator ValveTRVs are found on radiators in rooms other than where the room thermostat (see below) is placed. The TRV senses the air temperature in the room and can be set higher in the rooms you use most and lower in rooms used least such as bedrooms. They usually have a fat valve at one end, marked with a * and numbers from 1 to 5. The * setting is to protect against frost; it will typically leave the radiator switched off unless the temperature falls below about 6°C. For a normal living room, the setting of 3 or 4 is likely to be about right; for a bedroom a cooler temperature will normally be enough. Turning the dial up when the radiator is already on will not increase the room temperature! They can also be used to turn an individual radiator on or off. Generally, one radiator should be left without a TRV and left permanently switched on, this radiator may be a bathroom towel rail (where the heat is always likely to be useful), or in the same room as the room thermostat where a TRV is not needed.
Room Thermostat
ThermostatThis is usually found in the living room or hallway and is recommended to be set at 21°C. The room thermostat will respond to the temperature in the room where it is situated. When the room is warm enough it sends a signal to the central heating pump to stop heating the radiators until the temperature drops below the set level. At this point they will come back on again.
Programmer or Timer
The programmer or timer is set to control the times when the central heating and hot water are switched on and off. The average household needs heat for about 8 hours each day. But this depends on your own personal circumstances. The majority of time clocks allow you to set two 'on' and 'off' periods during the day i.e. 8am - 10am and 4pm - 10pm.
Heating timerSo that the house is warm when you wake up, set the heating to come on approximately 30 minutes before you get up and then in the evening set the heating to turn off about 1 hour before you go to bed. This will allow the house to warm up in the morning and cool down slightly at night.
There is a variety of programmers for operating central heating (CH) and hot water (HW). The majority have the following controls:-
  • ON/CONSTANT -HW/CH is on 24 hours each day.
  • OFF - the HW/CH is completely off.
  • ONCE - the HW/CH comes on at the first "ON" time selected and turns off at the second "OFF" time selected.
  • TWICE/AUTO - the HW/CH comes on for the 2 selected time periods.
  • HOT WATER ONLY - the heating system will not operate.

Electric Heating Systems

Electric storage heating systems are very different from a "wet" gas central heating system. The majority of homes heated by electricity have a combination of storage heaters and panel heaters with an electric immersion heater for the hot water.
Storage Heaters
Storage heaterThese operate by storing heat during 'off-peak' periods when the electricity is cheaper, usually overnight. You can only get cheap night-time electricity if you are on an off-peak tariff such as Economy 7, Economy 10 or Warmwise. This heat is then released into the room the following day and evening. There are two controls (input/charge and output/boost) on the majority of storage heaters which have to be adjusted in anticipation of the following day's weather.
Modern, slim-line storage heaters often have a charge control (or an automatic charge control) which adjusts the amount of heat stored overnight. An automatic charge control does this by measuring the temperature in the room (or more rarely, outside the house) and if it is milder, stores less heat (saving money in the process). If the storage heater has a manual charge control, you will have to make this adjustment yourself. As the weather gets colder, the input control must be set higher as the outside temperatures drop.
'Output' or 'Boost' control
Boost and output controlsThe output control tells the heater how much heat to give out during the day. If this is at the maximum setting (usually 6 or 9) you will find that the stored heat is distributed fairly quickly. It is important to set the controls to reflect the temperature outside and the times that you are in the property, e.g. if you are going out or to bed then turn the output down to the minimum setting.
Although storage heaters can be large and bulky in size because they use off-peak electricity they are much cheaper to run than panel heaters or bar fires. A well controlled storage heater should give you ten hours of useful heat a day. As the weather gets warmer and you find you no longer need the storage heaters on, then simply turn them off at the wall.
Be sure not to put clothing or ornaments on top of the heaters as they can become very hot and lead to a fire risk.
Electric Immersion
Most electric storage heating systems use an electric immersion to heat hot water. This may be using 'peak' or more commonly 'off-peak' electricity (usually between 11.30pm and 8.30am). If your system uses off peak to heat water then this will be controlled automatically by a timer and the whole tank will be heated for about 5 hours overnight. The water temperature can be boosted during the day, at peak rate, by overriding the timer. If using peak electricity only, switch the immersion on for the period required to heat the water. It is expensive to keep the immersion on for long periods during 'peak' times.

Thursday, January 12, 2012

News Center - Springhill Group Home - Zimbio | RedGage

Springhill group Home Loans

News Center – Springhill Group Home Loans : America’s Choice Home Loans LP Opens In Oregon And Welcomes Jerry Holman To The Team Mes Jerry Holman To The Team

By Angie Barrett | November 28, 2011 10:09 am America’s Choice Home Loans announced the opening of Branch 1013, located in Newberg, Oregon. Managed by Jerry Holman, a long time veteran of the mortgage industry, the branch opened on October 20. “Please give Jerry a warm welcome and let him ...


News Center – Springhill Group Home Loans:Fed Seen Buying $545B Of Home-Loan Debt : Report

By Joseph Woelfel NEW YORK (TheStreet) -- The Federal Reserve is poised to start a new round of stimulus, Bloomberg reported, citing the biggest bond dealers in the U.S. The Fed will inject more money into the economy next quarter by purchasing mortgage securities instead of Treasuries, the bond dealers said. The ...

News Center – Springhill Group Home Loans : Rates For Home Loans And Savings Could Swing Again

The deteriorating situation in Europe has increased the chances of a December interest rate cut. Australian banks are coming under increasing pressure from the ensuing European debt crisis, and have become nervous about lending to each other because of their exposure to risky European debt. Consequently, there are concerns about the ...


isabelamber.blogspot | Springhill Group: Newsvine - Springhill group Home Loans and Deposits

Newsvine - Springhill group Home Loans and Deposits : Blogspot : Redgage - Newsvine

Tuesday, January 3, 2012

Bud Hibbs Helps America Hold Debt Collectors to the Law! Springhill Group

C. Barry  & Associates, LLC
(Barry Calvagna)
aka/ United Abstract Group, Inc.
aka/ American Consolidebt, Inc.
aka USR Group, Inc.
Paystar International aka Conway and Phillips
The associates group
 See Also LINK
2387 New York Ave., #8
Huntington Station, NY 11746
Phone: (800) 344-1588
(631) 421-1397
Fax: (631) 421-1397
918 Jericho Turnpike
 Huntington Station, NY 11746
Phone: 631-421-1533
Fax:  631-421-1890
Fax: 631-755-3069
Florida:   United Abstract Group, Inc.PO BOX 6812
Spring Hill, FL 34611
(352) 684-8693
(352) 666-0466 fax
(866) 684-8693
USR Group, Inc.  33 Walt Whitman Rd, Ste 209
Huntington Station, NY 11746-4281
Web Address:
Head Debt Collectors:
Anthony Picone
Barry Calvagna
Huntington Station, NY
Quick Analysis                         Consumer Comments Below

We thought this scam died back in the nineties, but it is alive and well, operating from Huntington Station, from New York. Debt buyers United Abstract Group, Inc., are bottom feeders who use their entity of C. Barry & Associates, LLC, who operate out of the same address to lie, intimidate and totally misrepresent their illegal debt collection practices.

Owners Barry Calvagna and Anthony Picone are about to feel the wrath of the legal system for their blatant disregard for the law and consumer rights. Not to mention the fact that we could NOT locate one state where they are licensed or bonded in.

Calls to their office result in debt collectors who don’t have any answer (they are all operators and not sure if the phones they answer are a law office) to one brazen gutter tramp who insisted they are the law office of Michael Greenberg who files suits on debts. Their notices violate a host of federal and state laws; their accounts are out of statutes, which show how desperate these fools really are.

Take a look below at the incredibly stupid notice they are sending out, see if you can count how many FDCPA violations it has. To say these sewer rats are dumb is an understatement. These folks have NOT a clue of what they are doing; here is what we found on their website:

“These are some of the services that we offer:
  • Title Search and Retrieval
  • Real Estate Closings
  • Debt Sales And Acquisitions
  • Charge-off Credit Card Debt Recovery
  • Medical Self Pay/Insurance Claims Recovery
  • Education/Tuition Recovery”
“We offer investment opportunities for the serious investor.”

If you cannot even send out a letter that is in compliance with the Fair Debt Collection Practices Act, how in the world can you make money doing what they claim, above? … (I had to keep asking myself…”How could anyone be this dumb?)
A SERIOUS INVESTOR would need a LOT of money to pay their legal fees because our impression of these dummies is they can’t do anything right, they have unprofessional and under-trained collectors working for them and who uses this scam anymore?

Take a look at what they are sending out from the old, worthless, out of statute portfolios they are desperately trying to collect on because it’s hard to believe that any debt collector is really this STUPID!             
CONSUMER WARNING: DO NOT to fall for this scam! These liars and assorted idiots are incapable of taking any actions.  Contact us if you need assistance and referral to REAL lawyers in dealing with this trash. 
CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available. 

Sunday, January 1, 2012

News Center – Springhill Group Home Loans : Home Loan Modifications – Aid Or Scam?

News Center – Springhill Group Home Loans
Home Loan Modifications – Aid or Scam?
test4Bank Pirates!
Vinnieby Vince Meehan Editor, Mission Valley News(Mission Valley News, San Diego, CA) – Southern California has been hit hard by the housing crisis and many San Diegans are in danger of losing their homes to foreclosure if that hasn’t happened already. Many homeowners have enrolled in loan modification programs offered by their banks in hopes of reducing their monthly mortgage payments to an affordable amount. These programs were enacted at the request of the government as compensation to the American public who’s taxpayer money was used to bail out these large banks in 2008 as a result of the Emergency Economic Stabilization Act. But people in the programs have had no success in lowering their payments, and feel as if the banks never had any intention of modifying loan payments from the beginning.Echoing that sentiment is attorney Jason L. Jones of Avatar Legal, P.C., who sees a lot of the misery endured by homeowners as a bankruptcy specialist. Jones contends that the banks have no incentive to modify loans, so they don’t. Since the mortgages are bought and assigned to a trust outside of the banks, they do not suffer if a foreclosure happens. Indeed, it is more profitable for the banks to foreclose on property because of the fees and surcharges involved, typically around $30,000 per foreclosure. Anytime property changes hands, fees are paid to all sorts of companies such as appraisal, title, and escrow. And many times, these companies are actually owned by the banks, so everybody makes out. It creates a situation where the banks actually try to force foreclosure instead of modify the loan. So the homeowner loses as well as investors of the trust which often includes groups like public servant unions and teachers unions who invested into the trusts as a part of their pension programs.What bothers Mr. Jones is that if you do apply for a loan modification, the banks will start the foreclosure process at the same time. Jones says that these two processes occur “parallel” to each other, happening at the same time. And the homeowner is not aware that the foreclosure process has begun. He says many people hold off on paying their mortgage during this process, and the banks start piling up late fees that return to haunt the homeowner.In 2009, the government created the Making Homes Affordable program which was supposed to create relief for homeowners in danger of losing their homes. Underneath this umbrella is the Home Affordable Modification Program known as HAMP in which banks were supposed to streamline the modification process. But participation in Making Homes Affordable is strictly voluntary for the banks and there is no penalty for refusing to participate. That aside, homeowners are reporting that even the banks who claim to be participating in the program are not serious and play games instead.
  • In the loan modification process, the banks create a win less scenario where countless forms are filled out, receipts mailed in, and then promptly lost by the banks. The process is drawn out over time and the foreclosure clock is ticking the entire time. The sentiment is echoed by countless homeowners who have applied for loan modifications to no avail. Indeed, finding a homeowner who has actually succeeded in a loan modification is impossible. Stated one homeowner, “Whether they are calling it HOME, HOPE, or HAMP, the loan modification program is a complete joke and a lie to the American people.” As the National Taxpayer Union puts it, “HAMP has proven to be a colossal failure that has done more to harm than help debt-laden homeowners.”
  • This frustration has led to public anger that has manifested itself in public demonstrations such as Occupy Wall Street and Occupy San Diego. Lorena Gonzalez, Treasurer-Secretary/CEO for the San Diego and Imperial Counties Labor Council recently organized a rally downtown  for “Withdrawal Wednesday” where citizens were encouraged to withdraw their savings from large national banks as a protest. She says that after the bailouts, banks hoarded the money and did not use it to help ease the mortgage crisis as promised. So she and others across the county asked people to withdraw money from large national banks and deposit it in local credit unions. Said Gonzales, “After the bailout, the banks continued to foreclose on homes and CEOs got huge bonuses. This fueled the anger that resulted in “Occupy Wall Street and Occupy San Diego.” She added that these foreclosed homes also began to create blight in neighborhoods, so this even effected homeowners not involved in foreclosure.
  • Gonzales is currently trying to pursue legislation that would fine the banks of foreclosed homes for any code violations, but that it is currently stalled in committee. Gonzales said that the banks don’t like the legislation, and the banking lobby is is even more powerful than the union lobby in Sacramento. Mission Valley News asked Gonzales if she was aware of any of her constituents who achieved a loan modification, and she said she could not think of any who were successful. Mission Valley News could not find one example of a successful loan modification.
  • But even if you do qualify for a loan reduction (which is a feat in itself) and jump through the hoops laid out by the banks, you run a good chance of having your payment actually increase as a result. In many cases, one of the terms of beginning a loan modification is to pay into an “escrow fund” where the banks pay off your home owners insurance and property taxes in advance. This actually makes your payment far more expensive at a time which couldn’t be worse. Failure to pay this escrow will result in late fees and default.
  • Jason Jones says “Right now, the loan modification process goes hand in hand with the foreclosure process because most banks will not consider a loan modification unless the borrower is in default. The homeowner has to stop paying on the mortgage before the bank will talk to him. Only then is he allowed into the modification process. Meanwhile, the bank begins increasing the amount owed by the homeowner by tacking on late fees and penalties, will start making collection calls, and will decrease the homeowner’s credit score. The bank will also file a notice of default, which is the first step in the foreclosure process.”
  • Jones adds “Being in the loan modification process prevents the individual homeowner from facing the actual underlying problem which is the need to move to more affordable housing. As a result, the affected homeowner makes poor decisions and their emotional and physical health can suffer as a result of the false hope offered by a bank’s home loan modification program.” The message he wants to get out is the futility of loan modifications and the reality of foreclosure which is inevitable. Jones says that as a bankruptcy lawyer, his issue with the loan modification programs is the false hope that they create. He said it would create better financial health as well as mental health if the homeowners knew the truth about losing their homes.