By Ted Healy of DNG TED HEALY
Our recent spell of good weather is certainly welcome but it does lead to some practical problems in the home.
With the mercury rising to 30 degrees in some areas and night time temperatures ‘dropping’ to only 19 degrees, we find ourselves doing everything in our power to try and stay cool.
With weather advisory warnings in place for high temperatures, we have all found our homes are heating up!
While we are quite happy to fork out our well-earned Euro for that foreign trip to the sun to bake in the Mediterranean heat, we now find ourselves in the unusual position of the good weather visiting us for a change!
While it is easy to enjoy the sunshine from the swimming pool in Portugal or the beach in Spain it is a different story when walking into your hot house at home.
Unfortunately, the large majority of us don’t have the luxury of air-conditioned homes as much of the new building technologies we have experienced revolve around heating our homes. We now find ourselves looking for ways to cool them down!
While the natural reaction is to open the windows, it is recommended to keep windows, blinds and curtains closed as this will keep the hot air out. If opening them, make sure to do so at opposite ends of the house to create an airflow throughout.
To circulate cool air inside, fill up some bowls with water and ice and place them in different areas of the house - in front of a fan works best if you have one.
Another simple but effective option is to cook outside. Use the BBQ as the oven generates heat inside the house.
Trying to get to sleep at night can be particularly difficult in soaring temperatures. Here is a novel tip to help you catch those z’s; consider freezing your bedcovers before going to bed!
It may sound daft but give it a try; strip the sheets, place in a bag and pop them in the freezer. When it is time to hit the pillow, simply put them back on and they will be nice and cool!
Also, try taking a cold shower before bed.
Any halogen light bulbs in the house will also create additional heat, so consider replacing with LED lights.
Open the attic hatch to keep the house as ventilated as possible, allowing heat to escape through the roof.
And finally turn off any appliances, like the TV, when not in use. Electrical appliances can give off a surprising quantity of heat, particularly while charging.
Get your vehicle winter ready
By John Healy of Healy Insurances As we approach October it is a good time to get your vehicle ready for the winter and the change in conditions on the roads. Here is a checklist of the common items to help you prepare: * Check your liquid levels, screen wash, anti-freeze, coolant, oil, and fuel* […]
By John Healy of Healy Insurances
As we approach October it is a good time to get your vehicle ready for the winter and the change in conditions on the roads.
Here is a checklist of the common items to help you prepare:
* Check your liquid levels, screen wash, anti-freeze, coolant, oil, and fuel
* Check your car battery
* Clean your windows inside and out
* Clean your lights
* Check your tyres
* Consider fitting winter tyres
* Check your wiper blades
* Clear leaves from under your bonnet
* Ensure your car has a phone charger
* Make a winter survival kit
Many car garages and dealers will offer a winter service so it is worth checking locally.
In addition, here is a checklist of the items you should keep in your car this winter:
* Ice scraper and de-Icer
* Torch and spare batteries
* In-car phone charger or a power pack
* A road atlas in case you don’t have GPS
* First Aid kit
* Empty fuel can
* Hi-vis jacket/warning triangle
* Jump leads
* Spare clothes
Many insurers now include breakdown cover as standard on your motor insurance policy. Keep this number in your phone and in your vehicle.
Mortgage approval received, what next?
By Ted Healy of DNG TED HEALY Once your mortgage application is approved, you should look for mortgage protection cover which is insurance that will pay off your mortgage if you die within the term of the policy. You should not wait until you have made an offer on a house or apartment before shopping […]
By Ted Healy of DNG TED HEALY
Once your mortgage application is approved, you should look for mortgage protection cover which is insurance that will pay off your mortgage if you die within the term of the policy.
You should not wait until you have made an offer on a house or apartment before shopping around and applying for mortgage protection insurance. It can take some time to get approval, particularly if you have had poor health in the past. This could delay the sale as, by law, your lender must make sure that you have this cover before giving you a mortgage.
Most mortgage lenders offer to arrange mortgage protection insurance for you when you apply for a mortgage. You do not have to take your lender’s insurance, you are free to shop around for better value or a more suitable policy with other providers and brokers.
Another important element is appointing a solicitor to act on your behalf in the conveyancing – this is the legal work to transfer ownership of the property from the seller to you. It is a good idea to choose a solicitor before you start looking at properties, because as soon as your offer is accepted, the estate agent will ask for your solicitor’s details to pass onto the seller’s solicitor. Your solicitor will also check that the sale of the property is legal – that the person who is selling the property owns it and has the right to sell it, and that nobody else could claim to own it.
Your solicitor will also liaise with your mortgage provider at this point and help you through the whole process of mortgage drawdown, when the time is right.
You are now ready to look at properties and place bids with mortgage approval in place.
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