Solar Panels - (Photovoltaics) on Church Buildings

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Solar Panels - (Photovoltaics) on Church Buildings"

Transcription

1 Soar panes Soar Panes - (Photovotaics) on Church Buidings As Christians it is our duty to care for the word with which we have been entrusted. It is now cear that our modern, energy-hungry ifestyes are changing the panet for the worse. We must act now.

2 Soar panes Soar Panes - Photovotaics The term soar pane covers both soar therma where the sun s energy is used to heat water (the simpest form of soar power technoogy), and photovotaic (PV) where the sun s energy is converted into eectrica energy. This briefing is excusivey about the ater. The technoogy A PV ce consists of one or two ayers of a semiconducting materia, usuay siicon. When ight shines on the ce it creates an eectric fied across the ayers causing eectricity to fow. And the greater the intensity of the ight, the greater the fow of eectricity. PV ces wi ony produce eectricity whist there is dayight. So the energy must either be consumed as it is being generated, or stored for ater use or exported to the Nationa Grid. There are three types of PV ces: Monocrystaine is the most expensive, but has the ongest ife span (about years) and is the most efficient at converting sunight into energy. It is composed of thin wafers of refined siicon. Poycrystaine is simiar to monocrystaine, but made of ess refined siicon. Amorphous siicon ces or thin fim are made of siicon atoms in a thin ayer. This is the east efficient, with a ifespan of around years. Efficiency Wi soar panes get more efficient? Typica soar panes have an efficiency of about 10%; expensive panes perform at 20%. According to Professor David MacKay (chief scientific advisor to the DECC), a mass-produced device with an efficiency greater than 30% woud be quite remarkabe. However photovotaic panes wi become even cheaper and ess energy intensive to manufacture, improving the energy yied ratio. There is currenty no known major innovation that coud justify deayed investment in soar pane technoogy at this point in time. Energy conservation Care must be taken to ensure that the instaation of soar panes is not pursued at the expense of other more basic aspects of energy conservation. Some of the most effective ways to reduce the carbon footprint of a church buiding (or any buiding for that matter) are aso the simpest. Increasing the efficiency of eectricity use owers emissions, as we as saving money. For exampe: Heating - Use a timer and/or thermostatic contros to prevent overuse; upgrade to a more efficient boier system; insuate pipes; ook to minimise heat oss through draughts; consider metering and efficiencies in the way the buiding is used. Lighting - There are numerous ways to make ighting more efficient from ow tech printed Switch off signs by ight switches, through to motion-activated ighting. The use of energy-saving ight bubs can reduce energy consumption by up to 80%. Reduce water use by fitting spray taps, dua fush WCs, and harvesting rainwater. Insuation Ensure ofts and cavity was (where appicabe) are insuated. Gazing Fit doube gazing to windows and externa doors, and use ow emissivity gass. Make sure products used are recycabe or have a ong ife. More compex soutions to reducing the carbon footprint of arger buidings, compexes and institutions might incude bio-mass, mini-combined heat and power pants, or turbines. The Methodist Church aspires to reduce its carbon footprint and recognises that energy consumption in our buidings has a significant contribution to make to this. 2

3 Soar panes Government poicy The Department of Energy and Cimate Change (DECC) has used powers in the Energy Act 2008 to introduce a system of feed-in tariffs (in Apri 2010) to incentivise sma-scae (ess than 5 MW), ow carbon eectricity generation. These feed-in tariffs work aongside the Renewabes Obigation (RO). Export tariff - a further 3.2p/kWh (rising to 4.5p/kWh for systems instaed after 1 August 2012) wi be received from the energy suppier for each unit exported back to the eectricity grid (when it isn t used on site). In the case of smaer systems eectricity exported is not usuay metered, in which case a nomina export of 50% of tota eectricity generated is assumed. The RO is the primary mechanism to incentivise argescae renewabe eectricity generation by pacing an obigation on UK suppiers of eectricity to source an increasing proportion of their eectricity from renewabe sources. Feed-in tariffs Feed-in tariffs (FITs) have two components: Generation tariff is a set rate paid by the energy suppier for each unit (or kwh) of eectricity generated. The government has introduced a preferentia rate to encourage the take-up of soar photovotaics. The rate avaiabe wi be reviewed and potentiay reduced every three months for new entrants to the scheme. Once signed up the same tariff wi be received for 20 years (or 25 years for systems instaed prior to 1 August 2012) and wi be index inked. For systems instaed after 3 March 2012, the generation tariff wi be 21p/kWh. (See aso energy performance audits beow). For systems instaed after 1 August 2012 a ower tariff of 16p/kWh wi be appied. These figures are subject to change and consutations are ongoing so for the atest information pease check Churches are obbying for better tariffs/exemption from tariff reduction for church buidings on the grounds of their community benefit. The cost of photovotaic ces has been expensive. However, government subsidy in the form of feed-in tariffs has shortened the payback period and made them financiay more attractive, especiay in a period of ow interest rates. In May 2012 DECC reaffirmed a commitment to providing an incentive for growth in soar photovotaics. To this end the department announced criteria for the review of FITs with a view to guaranteeing a rate of return on investment of between 4.5% and 8%. Energy performance audits There shoud be a current and competent energy audit of the buiding and any proposed instaation of soar panes shoud be part of a wider package of measures aready taken towards better environmenta stewardship. From 1 Apri 2012 eigibiity for the preferentia generation tariff wi be restricted to buidings with an Energy Performance Certificate (EPC) rating of D or above. Otherwise a much ower generation tariff of 9p/ kwh wi appy. 3

4 Soar panes Pre-instaation Consutation/Consents Churches shoud consut with, and/or obtain consent (dependent on significance, period, ocation etc) from: Conservation officer Consutation is required with the Connexiona Team conservation officer for isted chapes. Loca panning authority Panning permission may be required. Insurers A etter of consent is essentia. Buiding-specific considerations When considering the feasibiity of instaing soar panes, there is no one size fits a soution; the best instaations are taiored to the specific needs and resources of the church. You shoud consider the foowing: Can the panes be seen from significant paces? Are the panes intrusive? Wi the panes have a detrimenta impact on the character and appearance of a significant buiding? Is the site free of shading? (Note: Just a sma amount can radicay reduce the pane effectiveness.) Has the roof structure been assessed by a professionay quaified structura engineer or chartered buiding surveyor to ensure that it can carry the additiona weight of the equipment and is a good state of repair? Can the panes be easiy accessed for maintenance? Has a discreet and secure space been identified for the inverter equipment? (Note: The inverters create a humming noise which wi increase with age, therefore the ocation needs to take this into consideration.) How wi the panes be attached in such a way that they do not adversey affect the existing fabric? Does the fixing of the panes aow for easy remova in the future and ensure that wind ift won t be a probem? Panes have an estimated ife of at east 25 years and are generay expected to be maintenance free. However, consideration needs to be given as to what might happen to them at the end of their ife and how the property fabric can be restored to its condition prior to the instaation of the panes. Case Study Bethesda Methodist Church, Chetenham, Goucestershire is a Grade II isted church. It had 32 photovotaic panes instaed on the south-facing roof during 2009 at a tota system cost of 39,000. (Today this system woud be consideraby ess costy). It was estimated that the system woud generate 7,000 kwh each year. In 2011 the system generated 6,693 kwh, of which 5,174 kwh was exported. The church received at tota of 2,677 2,517 for generation (at 37.8p/kWh at the end of 2011) and 160 for export. (For further information go to 4

5 Soar panes Minimum standards expected of the suppier Contractors shoud provide a feasibiity document identifying the expected efficiency of the instaation, annua energy production, monetary and carbon payback periods. Post-instaation It is recommended that churches consider the instaation of a visua dispay monitor to provide a pubic account of the amount of eectricity generated. It is aso recommended that energy records are retained for incusion in the quinquennia inspection report. Finance There are a number of options which coud be considered for sourcing funding. Grants There are many grant-making foundations that wi consider this sort of project eg Landfi Communities Fund. Some energy companies run grant funds, for exampe EDF Green Fund Scottish Power Green Energy Trust www. scottishpowergreentrust.co.uk/content, Energyshare Fund Property grants may aso be avaiabe through the Connexiona Team (emai: Loans It may be worth considering taking out a oan to enabe work to proceed in one continuous operation, whist fundraising is going on. However weigh the impications carefuy, as even with the FIT repayment may take severa years. Loca fundraising Many peope are happy to contribute to projects of this nature, especiay if it is part of a reordering project that improves the wider community use of the buiding. They wi aso ike the fact that the project wi provide a ongterm income for the church through the FITs. Cooperative or community-funded options It may aso be possibe for a group of peope to fund the instaation under a community share issue, or simiar funding mechanisms, in return for the FIT payments. Suppier ed options There are a number of schemes (eg rent your roof or free panes deas), which pay the costs of instaing PV panes in return for the FIT payments. The owner of the buiding wi usuay benefit from the eectricity generated by the panes. (Note: You woud need to be using the buiding in the daytime to benefit from this eectricity and isted buidings are not eigibe for many of these schemes.) Issues around insurance, maintenance, remova etc aso need to be carified. Soar panes: shoud you buy or ease? On baance it has been decided that free soar schemes (ie easing the rooftop for 25 years to a company to insta and maintain soar panes on it) are not as economica as instaing your own panes. For this reason, amongst others, it is advised that churches considering using soar panes shoud proceed by buying their own PV system. Switching to a green energy provider When buying green eectricity it is important to decide what you want the company to be investing in: encouraging more consumers to pay their part by buying eectricity from renewabes? investing in new deveopment of generation? making renewabes more accessibe to peope in other parts of the word? where do you want your green premium to go? The government requires eectricity suppy companies to source green eectricity at an increasing percentage every year under the Renewabes Obigation, but currenty consumer demand for green eectricity is ower than the tota eectricity generated from renewabe sources. So it is hepfu if we, as consumers, demonstrate to the government the demand for eectricity produced by renewabe means, and that we are prepared to reduce our demand. If you are ooking for a company to provide a high percentage of eectricity from renewabe resources, you wi need to know the fue mix that the company uses. The website gives that information. The Methodist Church is ooking to procure discounted energy with a renewabe energy option. 5

6 Further information Steve Huckesby (poicy adviser, Joint Pubic Issues Team) Te: Emai: Juie Robinson-Judd (connexiona property coordinator) Te: Emai: Joanne Bamforth (conservation officer) Te: Emai: Other hepfu information is avaiabe at: Acknowedgement This document is based on guidance produced by the Church of Engand with kind permission of its author, Ruth Watkinson, environmenta poicy officer, Cathedras & Church Buidings Division. 31 May 2012

Energy Performance Certificate

Energy Performance Certificate Energy Performance Certificate Sampe EPC TheDomesticEnergyAssessorcom Dweing type: Date of assessment: Date of certificate: Reference number: Tota foor area: Mid-terrace house 09 June 2007 31 August 2007

More information

Budgeting Loans from the Social Fund

Budgeting Loans from the Social Fund Budgeting Loans from the Socia Fund tes sheet Pease read these notes carefuy. They expain the circumstances when a budgeting oan can be paid. Budgeting Loans You may be abe to get a Budgeting Loan if:

More information

The width of single glazing. The warmth of double glazing.

The width of single glazing. The warmth of double glazing. Therma Insuation CI/SfB (31) Ro5 (M5) September 2012 The width of singe gazing. The warmth of doube gazing. Pikington Spacia Revoutionary vacuum gazing. Image courtesy of Lumen Roofight Ltd. Pikington

More information

Early access to FAS payments for members in poor health

Early access to FAS payments for members in poor health Financia Assistance Scheme Eary access to FAS payments for members in poor heath Pension Protection Fund Protecting Peope s Futures The Financia Assistance Scheme is administered by the Pension Protection

More information

Pilkington K Glass Range. Pilkington K Glass Pilkington K Glass OW Pilkington K Glass OW on Surface 4 Pilkington K Glass S

Pilkington K Glass Range. Pilkington K Glass Pilkington K Glass OW Pilkington K Glass OW on Surface 4 Pilkington K Glass S Pikington K Gass Range Pikington K Gass Pikington K Gass OW Pikington K Gass OW on Surface 4 Pikington K Gass S Upstairs windows using energy-efficient gazing. Downstairs windows using origina singe gazing.

More information

CI/SfB Ro8. (Aq) September 2012. The new advanced toughened glass. Pilkington Pyroclear Fire-resistant Glass

CI/SfB Ro8. (Aq) September 2012. The new advanced toughened glass. Pilkington Pyroclear Fire-resistant Glass CI/SfB Ro8 (Aq) September 2012 The new advanced toughened gass Pikington Pyrocear Fire-resistant Gass Pikington Pyrocear, fire-resistant screens in the façade: a typica containment appication for integrity

More information

Interiors Ltd. Advice, Design & CAD. Refurbishments & fit-out for any interior. Furniture space planning. Facilities management

Interiors Ltd. Advice, Design & CAD. Refurbishments & fit-out for any interior. Furniture space planning. Facilities management Interiors Ltd Advice, Design & CAD Refurbishments & fit-out for any interior Furniture space panning Faciities management Retrofit soutions-reducing carbon footprint New office space search 0333 600 1234

More information

INDUSTRIAL AND COMMERCIAL

INDUSTRIAL AND COMMERCIAL Finance TM NEW YORK CITY DEPARTMENT OF FINANCE TAX & PARKING PROGRAM OPERATIONS DIVISION INDUSTRIAL AND COMMERCIAL ABATEMENT PROGRAM PRELIMINARY APPLICATION AND INSTRUCTIONS Mai to: NYC Department of Finance,

More information

Green power. options

Green power. options Green power options How a our universities can hep stop cimate change by switching to green eectricity In January 2001 Peope & Panet caed on every UK university to switch to green eectricity, generated

More information

SABRe B2.1: Design & Development. Supplier Briefing Pack.

SABRe B2.1: Design & Development. Supplier Briefing Pack. SABRe B2.1: Design & Deveopment. Suppier Briefing Pack. 2013 Ros-Royce pc The information in this document is the property of Ros-Royce pc and may not be copied or communicated to a third party, or used

More information

The guaranteed selection. For certainty in uncertain times

The guaranteed selection. For certainty in uncertain times The guaranteed seection For certainty in uncertain times Making the right investment choice If you can t afford to take a ot of risk with your money it can be hard to find the right investment, especiay

More information

Annual Notice of Changes for 2016

Annual Notice of Changes for 2016 Easy Choice Best Pan (HMO) offered by Easy Choice Heath Pan, Inc. Annua Notice of Changes for 2016 You are currenty enroed as a member of Easy Choice Best Pan (HMO). Next year, there wi be some changes

More information

Australian Bureau of Statistics Management of Business Providers

Australian Bureau of Statistics Management of Business Providers Purpose Austraian Bureau of Statistics Management of Business Providers 1 The principa objective of the Austraian Bureau of Statistics (ABS) in respect of business providers is to impose the owest oad

More information

Infrastructure for Business

Infrastructure for Business Infrastructure for Business The IoD Member Broadband Survey Infrastructure for Business 2013 #5 The IoD Member Broadband Survey The IoD Member Broadband Survey Written by: Corin Tayor, Senior Economic

More information

AA Fixed Rate ISA Savings

AA Fixed Rate ISA Savings AA Fixed Rate ISA Savings For the road ahead The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether

More information

What to do before, during and after a flood

What to do before, during and after a flood Suffok Food Risk Management Partnership What to do before, during and after a food Practica advice on what to do to protect yoursef and your property "Over 5.5 miion properties in Engand and Waes are at

More information

Income Protection Options

Income Protection Options Income Protection Options Poicy Conditions Introduction These poicy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited. It is important that you read them carefuy

More information

Internal Control. Guidance for Directors on the Combined Code

Internal Control. Guidance for Directors on the Combined Code Interna Contro Guidance for Directors on the Combined Code ISBN 1 84152 010 1 Pubished by The Institute of Chartered Accountants in Engand & Waes Chartered Accountants Ha PO Box 433 Moorgate Pace London

More information

How to deal with personal financial problems

How to deal with personal financial problems How to dea with persona financia probems D I S P U T E R E S O L U T I O N Introduction Heping you face the future with confidence In 2014, the eve of consumer debt in the UK grew to reach a seven-year

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

Auto-Enrolment Services

Auto-Enrolment Services www.mitchecharesworth.co.uk Auto-Enroment Services Part 1: A Unified Soution for Empoyers A combined Payro and Pensions approach to meet your Auto-Enroment obigations autoenroment@mitchecharesworth.co.uk

More information

CERTIFICATE COURSE ON CLIMATE CHANGE AND SUSTAINABILITY. Course Offered By: Indian Environmental Society

CERTIFICATE COURSE ON CLIMATE CHANGE AND SUSTAINABILITY. Course Offered By: Indian Environmental Society CERTIFICATE COURSE ON CLIMATE CHANGE AND SUSTAINABILITY Course Offered By: Indian Environmenta Society INTRODUCTION The Indian Environmenta Society (IES) a dynamic and fexibe organization with a goba vision

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Income Protection Solutions. Policy Wording

Income Protection Solutions. Policy Wording Income Protection Soutions Poicy Wording Wecome to Aviva This booket tes you a you need to know about your poicy, incuding: what to do if you need to caim what s covered, and expanations of some of the

More information

Method of Build KOMFORT. Polar 100

Method of Build KOMFORT. Polar 100 Poar 100 - a seamess (tape and fiied or skimmed) soid partition and frameess gazed dry or siicon jointed system Poar 100 Method of Buid Love the space you re in. March 2013 Poar-100 - partitioning system

More information

TENANT HANDBOOK. Information about your tenancy and Link s services

TENANT HANDBOOK. Information about your tenancy and Link s services TENANT HANDBOOK Information about your tenancy and Link s services Get in touch We are open Monday to Friday, 9.00am to 5.00pm For genera enquiries, ca us on 03451 400 100 (oca rate from andine and mobie)

More information

Business Banking. A guide for franchises

Business Banking. A guide for franchises Business Banking A guide for franchises Hep with your franchise business, right on your doorstep A true understanding of the needs of your business: that s what makes RBS the right choice for financia

More information

Subject: Corns of En gineers and Bureau of Reclamation: Information on Potential Budgetarv Reductions for Fiscal Year 1998

Subject: Corns of En gineers and Bureau of Reclamation: Information on Potential Budgetarv Reductions for Fiscal Year 1998 GAO United States Genera Accounting Office Washington, D.C. 20548 Resources, Community, and Economic Deveopment Division B-276660 Apri 25, 1997 The Honorabe Pete V. Domenici Chairman The Honorabe Harry

More information

Building and Technical Services

Building and Technical Services Service Leve Agreement Asset management Eectrica safety Advice and support Gas safety Fire safety Instaation and fitting Water safety Service and maintenance Buiding and Technica Services Service Leve

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES About ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account. Some of

More information

Avaya Remote Feature Activation (RFA) User Guide

Avaya Remote Feature Activation (RFA) User Guide Avaya Remote Feature Activation (RFA) User Guide 03-300149 Issue 5.0 September 2007 2007 Avaya Inc. A Rights Reserved. Notice Whie reasonabe efforts were made to ensure that the information in this document

More information

Asset Management Strategy 2015 2020. Customers, at the heart of what we do

Asset Management Strategy 2015 2020. Customers, at the heart of what we do Asset Management Strategy 2015 2020 Customers, at the heart of what we do Contents 1. Executive Summary 3 2. Achievements 4 3. Strategic Context 5 4. Context for Demand 7 5. About our Homes 9 6. Property

More information

Aviva Equity Release A guide to our lifetime mortgages. Lifestyle Lump Sum Max Lifestyle Flexible Option

Aviva Equity Release A guide to our lifetime mortgages. Lifestyle Lump Sum Max Lifestyle Flexible Option Aviva Equity Reease A guide to our ifetime mortgages Lifestye Lump Sum Max Lifestye Fexibe Option Contents An introduction to equity reease and ifetime mortgages 3 Who might quaify? 4 What you need to

More information

Nordic Ecolabelling of Copy and printing paper - supplementary module

Nordic Ecolabelling of Copy and printing paper - supplementary module rdic Ecoabeing of Copy and printing paper - suppementary modue Version 4.1 22 June 2011 30 June 2016 rdic Ecoabeing Content What is rdic Ecoabeed copy and printing paper? 3 Why choose the rdic Ecoabe?

More information

CHANNEL LETTER LIGHTING

CHANNEL LETTER LIGHTING LIGHTING UNIQUE LIGHTING SOLUTIONS WARNING The retrofit instaation must ony be performed by a icensed eectrician. To prevent death, injury or damage to property this product must be instaed in accordance

More information

endorsed programmes With our expertise and unique flexible approach NOCN will work with you to develop a product that achieves results.

endorsed programmes With our expertise and unique flexible approach NOCN will work with you to develop a product that achieves results. endorsed programmes With our expertise and unique fexibe approach NOCN wi work with you to deveop a product that achieves resuts. NOCN is a eading reguated UK awarding organisation that has been creating

More information

Introduction the pressure for efficiency the Estates opportunity

Introduction the pressure for efficiency the Estates opportunity Heathy Savings? A study of the proportion of NHS Trusts with an in-house Buidings Repair and Maintenance workforce, and a discussion of eary experiences of Suppies efficiency initiatives Management Summary

More information

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l Program Organization = Number "1060" = Type "123342" = "ETM2LAZCD" For = "502859" "TCCUS" "" Name "WK Number = Name "First "1001" = "1" Eectronic = "1001" = Financia "Jane Funds Doe" Northwest Xfer PG1

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

Understanding. nystagmus. RCOphth

Understanding. nystagmus. RCOphth Understanding nystagmus RCOphth RNIB s understanding series The understanding series is designed to hep you, your friends and famiy understand a itte bit more about your eye condition. Other tites in the

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

NCH Software MoneyLine

NCH Software MoneyLine NCH Software MoneyLine This user guide has been created for use with MoneyLine Version 2.xx NCH Software Technica Support If you have difficuties using MoneyLine pease read the appicabe topic before requesting

More information

MYSON MYSON. The Essential Guide to Modern Heating. www.myson.co.uk. heatingthroughinnovation. heatingthroughinnovation.

MYSON MYSON. The Essential Guide to Modern Heating. www.myson.co.uk. heatingthroughinnovation. heatingthroughinnovation. MYSON MYSON Eastern Avenue, Team Vaey, Gateshead, Tyne & Wear NE11 0PG, UK T: 0845 402 3434, F: 0191 491 7568, saes@myson.co.uk, www.myson.co.uk MYSON The Essentia Guide to Modern Heating heatingthroughinnovation.

More information

Pay-on-delivery investing

Pay-on-delivery investing Pay-on-deivery investing EVOLVE INVESTment range 1 EVOLVE INVESTMENT RANGE EVOLVE INVESTMENT RANGE 2 Picture a word where you ony pay a company once they have deivered Imagine striking oi first, before

More information

Human Capital & Human Resources Certificate Programs

Human Capital & Human Resources Certificate Programs MANAGEMENT CONCEPTS Human Capita & Human Resources Certificate Programs Programs to deveop functiona and strategic skis in: Human Capita // Human Resources ENROLL TODAY! Contract Hoder Contract GS-02F-0010J

More information

Financing Solar Energy

Financing Solar Energy FICCI Soar Energy Task Force Report on Financing Soar Energy By FICCI Soar Financing Subgroup FICCI Soar Energy Task Force Report on Financing Soar Energy By FICCI Soar Financing Subgroup Discaimer This

More information

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services 2012 Before You Buy A Description of the Caifornia Partnership for Long-Term Care Prepared by the Caifornia Department of Heath Care Services Page 1 of 13 Ony ong-term care insurance poicies bearing any

More information

Order-to-Cash Processes

Order-to-Cash Processes TMI170 ING info pat 2:Info pat.qxt 01/12/2008 09:25 Page 1 Section Two: Order-to-Cash Processes Gregory Cronie, Head Saes, Payments and Cash Management, ING O rder-to-cash and purchase-topay processes

More information

Uncovered Report: Cash Plan and Private Health Insurance Explained

Uncovered Report: Cash Plan and Private Health Insurance Explained Uncovered Report: Cash Pan and Private Heath Insurance Expained Contents 3 Introduction 4 Cash pan products 6 Private heath insurance products 9 How the two pans match up? 10 Concusion 33256_ONEGI_GEN3480_BRO.indd

More information

Older people s assets: using housing equity to pay for health and aged care

Older people s assets: using housing equity to pay for health and aged care Key words: aged care; retirement savings; reverse mortgage; financia innovation; financia panning Oder peope s assets: using housing equity to pay for heath and aged care The research agenda on the ageing

More information

CHANNEL LETTER LIGHTING

CHANNEL LETTER LIGHTING LIGHTING UNIQUE LIGHTING SOLUTIONS WARNING The retrofit instaation must ony be performed by a icensed eectrician. To prevent death, injury or damage to property this product must be instaed in accordance

More information

How to Cut Health Care Costs

How to Cut Health Care Costs How to Cut Heath Care Costs INSIDE: TEN TIPS FOR MEDICARE BENEFICIARIES What is one of the biggest financia surprises in retirement? Heath care costs. It s a growing concern among many Medicare beneficiaries,

More information

Construction Plant and Health & Safety Training

Construction Plant and Health & Safety Training Construction Pant and Heath & Safety Training The Driving Force Behind Your Training Monks Training Services based in Leyand has for severa years been providing construction pant and heath & safety training.

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

B7482.00 5008 Renton Avenue S Condition Assessment

B7482.00 5008 Renton Avenue S Condition Assessment TO Mr. John Daoura Homestead Community Land Trust 412 Maynard Avenue S, #201 Seatte WA 98104 B7482.00 5008 Renton Avenue S Condition Assessment May 17, 2013 EMAIL john@homesteadct.org REGARDING Assessment

More information

8x8 Webinar: Prepare Now to Survive a Disaster Later

8x8 Webinar: Prepare Now to Survive a Disaster Later 8x8 Webinar: Prepare Now to Survive a Disaster Later January 23, 2013 2009 NASDAQ-LISTED: EGHT The materias presented in the webinar provided by 8x8, Inc. are intended to provide genera information on

More information

Making the most of free electricity from your solar panels

Making the most of free electricity from your solar panels Making the most of free electricity from your solar panels A guide to your Solar Photovoltaic (PV) system Delivering Sustainable Energy Solutions www.wolverhamptonhomes.org.uk WHAM4001 05/13 2 Cut your

More information

School facilities and community sport Creating the win-win scenario

School facilities and community sport Creating the win-win scenario Schoo faciities and community sport Creating the win-win scenario 1 Win win New and existing schoo faciities have the potentia to transform sport and the cub infrastructure whist supporting education and

More information

Professional Kingston

Professional Kingston Professiona Kingston Organisationa and workforce deveopment soutions n Facuty of Business and Law Aways improving 0/1 Contents Wecome 2 Why Kingston? 4 Course portfoio 6 Course detais 8 Work-based earning

More information

Bereavement benefits. Help for widows, widowers and surviving civil partners

Bereavement benefits. Help for widows, widowers and surviving civil partners Bereavement benefits Hep for widows, widowers and surviving civi partners Bereavement Payment Widowed Parent s Aowance Bereavement Aowance This pack contains more information about bereavement benefits

More information

Sustainable homes, sustainable communities

Sustainable homes, sustainable communities Sustainabe homes, sustainabe communities Leasehoder Handbook 1 Wecome Wecome to Hastoe Housing Association. This handbook describes your rights and responsibiities as a easehoder of a Hastoe property.

More information

Advance PLM Software Solutions for Complex Business Processes

Advance PLM Software Solutions for Complex Business Processes Advance PLM Software Soutions for Compex Business Processes Abstract As customers word-wide camour for more technoogicay rich products, be it a car, or a smartphone, manufacturers are having to contend

More information

DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS

DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS TABLE OF CONTENTS INTRODUCTION... 1 GOVERNANCE... 1 COMMONLY PURCHASED GOODS AND SERVICES... 1 HOW TO REGISTER YOUR COMPANY...

More information

Group Income Protection. Technical Guide

Group Income Protection. Technical Guide Group Income Protection Technica Guide Aviva By choosing Aviva, part of the UK s argest insurance group, you benefit from our financia strength. Together with miions of customers wordwide you can fee certain

More information

CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS

CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS Dehi Business Review X Vo. 4, No. 2, Juy - December 2003 CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS John N.. Var arvatsouakis atsouakis DURING the present time,

More information

Message. The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries.

Message. The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries. Message The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries. With the weight of our economy shifting towards knowedge-based and

More information

The best of both: working together to support children with visual impairment and additional complex needs

The best of both: working together to support children with visual impairment and additional complex needs Visua impairment and speech and anguage therapy The best of both: working together to support chidren with visua impairment and additiona compex needs A series of eafets exporing ways that the QTVI (Quaified

More information

Key Features of Life Insurance

Key Features of Life Insurance Key Features of Life Insurance Life Insurance Key Features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Technical Support Guide for online instrumental lessons

Technical Support Guide for online instrumental lessons Technica Support Guide for onine instrumenta essons This is a technica guide for Music Education Hubs, Schoos and other organisations participating in onine music essons. The guidance is based on the technica

More information

SNMP Reference Guide for Avaya Communication Manager

SNMP Reference Guide for Avaya Communication Manager SNMP Reference Guide for Avaya Communication Manager 03-602013 Issue 1.0 Feburary 2007 2006 Avaya Inc. A Rights Reserved. Notice Whie reasonabe efforts were made to ensure that the information in this

More information

Vacancy Rebate Supporting Documentation Checklist

Vacancy Rebate Supporting Documentation Checklist Vacancy Rebate Supporting Documentation Checkist The foowing documents are required and must accompany the vacancy rebate appication at the time of submission. If the vacancy is a continuation from the

More information

NCH Software Bolt PDF Printer

NCH Software Bolt PDF Printer NCH Software Bot PDF Printer This user guide has been created for use with Bot PDF Printer Version 1.xx NCH Software Technica Support If you have difficuties using Bot PDF Printer pease read the appicabe

More information

Leadership & Management Certificate Programs

Leadership & Management Certificate Programs MANAGEMENT CONCEPTS Leadership & Management Certificate Programs Programs to deveop expertise in: Anaytics // Leadership // Professiona Skis // Supervision ENROLL TODAY! Contract oder Contract GS-02F-0010J

More information

Advanced ColdFusion 4.0 Application Development - 3 - Server Clustering Using Bright Tiger

Advanced ColdFusion 4.0 Application Development - 3 - Server Clustering Using Bright Tiger Advanced CodFusion 4.0 Appication Deveopment - CH 3 - Server Custering Using Bri.. Page 1 of 7 [Figures are not incuded in this sampe chapter] Advanced CodFusion 4.0 Appication Deveopment - 3 - Server

More information

Accounting in the Construction Industry

Accounting in the Construction Industry Accounting in the Construction Industry How your CPA can hep you be among the 80 percent of contractors expected to survive the next year, rather than the 20 percent expected to fai. This whitepaper wi

More information

Undergraduate Studies in. Education and International Development

Undergraduate Studies in. Education and International Development Undergraduate Studies in Education and Internationa Deveopment Wecome Wecome to the Schoo of Education and Lifeong Learning at Aberystwyth University. Over 100 years ago, Aberystwyth was the first university

More information

NCH Software Warp Speed PC Tune-up Software

NCH Software Warp Speed PC Tune-up Software NCH Software Warp Speed PC Tune-up Software This user guide has been created for use with Warp Speed PC Tune-up Software Version 1.xx NCH Software Technica Support If you have difficuties using Warp Speed

More information

Welcome to Colonial Voluntary Benefits. Thank you for your interest in our Universal Life with the Accelerated Death Benefit for Long Term Care Rider.

Welcome to Colonial Voluntary Benefits. Thank you for your interest in our Universal Life with the Accelerated Death Benefit for Long Term Care Rider. Heo, Wecome to Coonia Vountary Benefits. Thank you for your interest in our Universa Life with the Acceerated Death Benefit for Long Term Care Rider. For detai pease ca 877-685-2656. Pease eave your name,

More information

WEBSITE ACCOUNT USER GUIDE SECURITY, PASSWORD & CONTACTS

WEBSITE ACCOUNT USER GUIDE SECURITY, PASSWORD & CONTACTS WEBSITE ACCOUNT USER GUIDE SECURITY, PASSWORD & CONTACTS Password Reset Process Navigate to the og in screen Seect the Forgot Password ink You wi be asked to enter the emai address you registered with

More information

Bleeding in Early Pregnancy

Bleeding in Early Pregnancy NHS Forth Vaey Women and Chidren Services Beeding in Eary Pregnancy Patient Information Beeding in eary pregnancy Beeding in eary pregnancy causes women a great dea of worry. The aim of this eafet is to

More information

Setting Up Your Internet Connection

Setting Up Your Internet Connection 4 CONNECTING TO CHANCES ARE, you aready have Internet access and are using the Web or sending emai. If you downoaded your instaation fies or instaed esigna from the web, you can be sure that you re set

More information

Program Management Seminar

Program Management Seminar Program Management Seminar Program Management Seminar The word s best management schoos are noted for their superior program execution, high eves of customer satisfaction, and continuous program improvements.

More information

Industry guidance document Checkout workstations in retail - safe design and work practices

Industry guidance document Checkout workstations in retail - safe design and work practices Industry guidance document Checkout workstations in retai - safe design and work practices Industry guidance document Checkout workstations in retai - safe design and work practices WorkSafe Contents Foreword...

More information

Serving the Millennial Generation - The Challenge and Opportunity for Financial Services Companies

Serving the Millennial Generation - The Challenge and Opportunity for Financial Services Companies Serving the Miennia Generation - The Chaenge and Opportunity for Financia Services Companies May 2015 Christopher J. Perry, CFA Equity Research Anayst Today, the Miennia Generation (or Generation Y), broady

More information

Sage Accounts Production Range

Sage Accounts Production Range Sage Accounts Production Range The abiity to dri-down from the face of the accounts makes reviewing accounts so easy. Sage Accounts Production Software As individua as you and your cients Jim O Leary,

More information

ASSET MANAGEMENT OUR APPROACH

ASSET MANAGEMENT OUR APPROACH ASSET MANAGEMENT OUR APPROACH CONTENTS FOREWORD 3 INTRODUCTION 4 ASSET MANAGEMENT? 6 THE NEED FOR CHANGE 6 KEY PRINCIPLES 7 APPENDIX 1 19 GLOSSARY 20 2 FOREWORD Few things affect our customers ives as

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

FLAC Legal Divorce v2 band_layout 1 26/06/2014 20:01 Page 1 July 2014 divorce

FLAC Legal Divorce v2 band_layout 1 26/06/2014 20:01 Page 1 July 2014 divorce Juy 2014 divorce Divorce has been avaiabe in the Repubic of Ireand since 1997. Once a divorce is obtained, the parties (the ex-spouses) are free to remarry or enter into a civi partnership. Famiy Law (Divorce)

More information

NCH Software PlayPad Media Player

NCH Software PlayPad Media Player NCH Software PayPad Media Payer This user guide has been created for use with PayPad Media Payer Version 2.xx NCH Software Technica Support If you have difficuties using PayPad Media Payer pease read the

More information

Figure 1. A Simple Centrifugal Speed Governor.

Figure 1. A Simple Centrifugal Speed Governor. ENGINE SPEED CONTROL Peter Westead and Mark Readman, contro systems principes.co.uk ABSTRACT: This is one of a series of white papers on systems modeing, anaysis and contro, prepared by Contro Systems

More information

professional indemnity insurance proposal form

professional indemnity insurance proposal form professiona indemnity insurance proposa form Important Facts Reating To This Proposa Form You shoud read the foowing advice before proceeding to compete this proposa form. Duty of Discosure Before you

More information

July 2014. separation

July 2014. separation Juy 2014 separation When a marriage breaks down, the coupe can arrange for a forma separation. The coupe may eventuay decide to divorce (see separate information eafet on Divorce). There are two different

More information

Managing money and making a profit

Managing money and making a profit Managing money and making a profit For your information How to get the most from today s workshop Ask questions Participate Worksheets Action Pan Today s objectives To hep you gain a greater understanding

More information

Seize the Day! Genuine Opportunities for You and Your Business in 2014*

Seize the Day! Genuine Opportunities for You and Your Business in 2014* www.mitchecharesworth.co.uk Seize the Day! Genuine Opportunities for You and Your Business in 2014* *and Beyond! Mitche Charesworth Offices Chester 01244 323 051 Liverpoo Manchester 0161 817 6100 Warrington

More information

NCH Software Copper Point of Sale Software

NCH Software Copper Point of Sale Software NCH Software Copper Point of Sae Software This user guide has been created for use with Copper Point of Sae Software Version 1.xx NCH Software Technica Support If you have difficuties using Copper Point

More information

PENALTY TAXES ON CORPORATE ACCUMULATIONS

PENALTY TAXES ON CORPORATE ACCUMULATIONS H Chapter Six H PENALTY TAXES ON CORPORATE ACCUMULATIONS INTRODUCTION AND STUDY OBJECTIVES The accumuated earnings tax and the persona hoding company tax are penaty taxes designed to prevent taxpayers

More information

(David H T Lan) Secretary for Home Affairs

(David H T Lan) Secretary for Home Affairs Message We sha make every effort to strengthen the community buiding programme which serves to foster among the peope of Hong Kong a sense of beonging and mutua care. We wi continue to impement the District

More information