Invoice Finance

Invoice Finance has become the most popular choice for small, medium and large businesses to fund their working capital. It is easy and hassle free to set up with the Financial Institution taking the companies invoices and debt ledger as direct security.

It is one of the most effective and flexible funding methods available, as the facility grows with your business. Additional features can be added including customer credit checking, credit control management and debt protection.

Invoice Finance is the term given to a range of services designed to provide working capital and improved cash flow by advancing finance against newly generated unpaid invoices. It is a great way to provide flexible working capital as the finance facility has the ability to grow with the sales of your business; there are two main Invoice Finance products.

Invoice Factoring has the ability to advance up to 95% of the unpaid invoice value. The credit control is normally undertaken by the Financial Institution offering the facility but a few providers offer the option for the business to carry out their own debt collection process to reduce costs for this part of the service.

It allows your business to advance funds on invoices waiting to be paid by your customers which as you probably already know in the current climate can take some time and can represent up to two or three months sales depending on your credit terms. This means you can unlock precious working capital to fund new orders, business expansion or mergers and acquisitions, while the finance provider controls the sales ledger and collects all the outstanding debts on behalf of the company.

Invoice Discounting allows your business to raise up to 90% of outstanding invoice values immediately similar to Factoring but you remain in complete control of the collection of any outstanding debts from your customers. The invoice discounting facility is completely confidential between your business and the provider and is not disclosed to any other party, giving you peace of mind that your customers will be none the wiser.

The Key Benefits to Invoice Finance

•Immediate access to up to 95% of unpaid invoice values
•Improved cash flow for the business
•Free up working capital to reinvest and grow the business
•Allows you to get on with running the business
•Provides access to credit facilities and credit control management
While the high street banks are restricting financing for business loans and overdrafts, invoice finances two main products - invoice factoring and invoice discounting will continue to fill this cash flow need and ultimately expand or replace the banks role with SME and Corporate business finance.

For more information regarding invoice finance please visit www.sgdfinancial.co.uk

Swiftwater Rescue

Re-Think is a specialist provider of swift water rescue training.  They offer Rescue 3 international training courses, Swiftwater Technician and First Responder programmes and also bespoke swiftwater rescue courses highly tailored around your needs.

They deliver the very best water rescue programmes in the UK utilising highly experienced instructors, first class equipment, top training venues and on-going support and advice for their clients.

Re-Think Work nationally at any suitable location.

They are proud to be part of the Rescue 3 family offering certificated training meeting national standards. Please visit www.water-rescue.co.uk for information regarding programmes or advice relating to swift water rescue.

Woodburning Stoves Installation

There are some important factors to consider before installation of a woodburning and multifuel stove.

What do I do first if I plan to fit a new stove?
If you planning to use an existing chimney it is recommended that you first have a ‘NACS’ registered sweep to sweep it. At the same time they will inspect and test your chimney to ensure that it draws and it doesn’t leak. Your installer will then be able to decide if your chimney needs re-lining.

What Size Stove Do I Need To Heat My Room?
There are two elements to consider when choosing your stove:
1) Physical Dimensions – Is there enough room for the stove to function and conform to building regulations.
2) Output - Do you have the right amount of heat for the room?

Height
You should ensure the top of the stove is around 22″ from any combustible material such as wooden lintels or beams. It is wise to check with the manufacturer of the stove you are interested in as the distanced advised may vary. If the top flue outlet is used, he height listed does not include the flue collar.

Width
Check that the Stovax stove will fit in the narrowest width of your fireplace if you are using one. If you decide on an inglenook, it is recommended that you have at least 150mm (6″) space either side of the appliance, although slightly for smaller output stoves this may be reduced. This is not a building regulation, but is necessary for the heat from the sides of the stove to enter the room and to protect against heat build up.
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Lettings in Middlesbrough

Boasting one of longest coastlines in England, and close to some of the region’s most beautiful and wild countryside, Middlesbrough is one of the most affordable places to live in the UK.

The commercial heart of the Tees Valley, Middlesbrough is a dynamic town where you’ll discover world-class art and events, stylish restaurants and bars, vibrant nightlife and superb shopping.

Shopping
The birthplace of Captain James Cook, at one time it was the fastest growing town in England and now boasts variety of shopping attractions offering shoppers a mix of high street, designer and retro outlets.

Middlesbrough’s trendy Linthorpe Road is lined with designer shops, including Psyche, a designer department store established 25 years ago, which was one of the first in the country to stock Gucci, Prada and Dries Van Noten, while Triads, just opposite, has built a reputation at the forefront of quirky, cutting edge fashion.
The compact and mostly pedestrianised town centre also contains a choice of shopping centres including the Hill Street Centre, Dundas Shopping Mall and central big one The Mall Middlesbrough

Heritage and culture
Not only a shoppers haven Middlesbrough, is home to one of the biggest free music festivals in the UK – Middlesbrough Music Live.
This diverse town mixes old and new, with Middlesbrough’s Institute of Modern Art – mima sitting alongside the traditional concert venue of the Town Hall: a popular with orchestras, national comics and pop acts alike.

Contemporary landmark buildings in the city centre include mima Middlesbrough Institute of Modern Art, an acclaimed contemporary art gallery in Britain. Other museums worth a visit include the Captain Cook Birthplace Museum in Stewart Park and The Dorman Museum, home to an outstanding social history collection on Middlesbrough.

Sports and leisure
Within easy reach of Middlesbrough city centre is the spectacular Riverside Stadium, home to Middlesbrough Football Club. One of Britain’s oldest football clubs dating from 1876, Middlesbrough has long been a football city. Today the famous Riverside Football Stadium in Middlesbrough is one of the city’s landmark buildings.

Sports centres and facilities in Middlesbrough include the fantastic Prissick Plaza Skateboarding and BMX Park, one of the top skate parks in Britain. If you are an adrenalin junkie, this town is the place for you. Try your hand at white water rafting at the Tees Barrage or if you are brave enough why not Bungee Jump or Zip Slide off the world famous Transporter Bridge.

Just north of the Transporter Bridge is the Saltholme Wildlife Reserve and Discovery Park. These beautiful wetlands are home to a wide range of birds including Common tern, Peregrines, Yellow wagtails and Lapwings.

Eating out and nightlife
Middlesbrough is a town with a reputation for hosting new exciting bands and live music gigs. Catch top dance DJs at the spectacular Empire Middlesbrough which is also a centre for Middlesbrough live music gigs. Middlesbrough Town Hall also plays host to big bands and concerts alongside theatre shows and comedy clubs.

A student town, Middlesbrough offers a choice of night clubs and a blossoming gay scene. Satur-Gay takes place at the Cornerhouse Club on Exchange Place near Middlesbrough Station weekly. Top gay bars in Middlesbrough include The Oak on Newport Road and H’s Bar on Linthorpe Road. The Town Hall plays host to the North East’s biggest comedy club, The Big Mouth Comedy Club.

So for heritage, culture and fun, choosing lettings Middlesbrough are a wise choice.

Why choose Hedley House in York?

Close to the city centre and within easy reach of the road-rail network, Hedley House Hotel is one of the best Hotels in York, with modern comfortable surroundings, great food and outstanding personal service.

Built in 1845 in the heart of the Victorian city, many of our rooms still include the original fireplace features. Combined with en-suite facilities, hospitality trays and digital widescreen TVs, our rooms are a subtle blend of contemporary modern and historic.

Their intimate award-winning licensed restaurant is a great place to spend an evening or start the night. The restaurant serves a range of home cooked healthy meals, snacks and light bites, all freshly cooked using only award-winning ingredients.

Knowle House is a large Victorian terrace house situated off Bootham on the North side  of the city of York.  York Minster is within a six to eight minute walk.  It is also next door to and under the same ownership as Hedley House Hotel. These York self catering apartments are self-contained, fully furnished and contain all necessary linen, crockery and cutlery.  All have central heating, colour television, electric cooker and fridge.  Wireless internet is available. All but one of the apartments have direct dial telephone.

In a city where car parking space is limited, Hedley House Hotel and Apartments have 19 allotted parking spaces. When these spaces are full there is room for 8 more vehicles in the middle of the car park, the keys to these must be left at reception in case of emergency. The car park operates on a “first come first served” basis.  If this is unacceptable there is a large public car park (chargeable) 2 minutes walk from the hotel.

Biobug SEP

Choose Clean Around the Bend for Septic Tank cleaning using Biobug SEP, the environmentally friendly Septic Treatment additive.
All of their products are made with environmentally friendly and naturally occurring biological microbes.
They are designed to help you clean your home and keep it smelling fresh.
If you have a touring caravan, a motor home, a mobile home, a boat or a second home Clean around the Bend can help you keep them fresh and clean too.
There are products to keep your drains clean and running freely; to maintain your septic tank; and to improve your compost heap.
And products for Hotels, Cafes, and B&B’s including grease trap cleaner products.
It’s not just drains that cause funny smells in the home, so do some pets. Clean around the Ben have products to help with those too.

Workplace Pensions - A brief overview about the new duties for employers

From 2012, changes to pensions law will affect all employers with at least one worker in the UK. This document is a summary of these changes, including what employers must do and how they might set about getting ready.

We have published a series of guidance that explains the new employer duties in detail and how they should be implemented. The guidance is available for download from our website: www.tpr.gov.uk/pensions-reform

The changes in a nutshell

Employers will need to:
• Automatically enrol certain workers into a pension scheme
• Make contributions on their workers’ behalf
• Register with The Pensions Regulator (‘the regulator’)
• Provide workers with certain information about

When are the changes happening?
The new employer duties will be introduced in stages over 4 years, starting in 2012. Each employer will be allocated a date from when the duties will first apply to them, known as their ‘staging date.’
This date is based on the number of people in an employer’s PAYE scheme. Employers with the largest numbers of workers in their PAYE schemes will have the earliest staging date.
Employers can check their provisional staging date on our website: www.tpr.gov.uk/staging
To allow some flexibility, employers can choose to bring forward their staging date, provided the regulator is informed. However, employers cannot choose a later date than the one they are allocated.
Finding out when the staging date is likely to be is the first thing an employer should do, so they can plan what they need to do to be ready in good time.

What will employers need to do?
• Assess their workforce
• Identify who to automAtically enrol
• Choose a pension scheme - i.e. National Employment Savings Trust - NEST Pension Scheme
• Register with the regulator
• Make contributions
• Process any opt-out notices
• Process opt-in or joining requests
• Avoid inducements and prohibited activity
• Keep accurate records
• Provide workers with information about changes

What should employers do now?

Employers should:
• Look up their provisional staging date at www.tpr.gov.uk/staging
• Plan for when they might need their pension scheme in place and take action if necessary – including planning when and how they will assess their workforce
• Budget for these changes
• Look out for further information and guidance from the regulator. This can be done by signing up to the regulator’s free news-by-email service www.tpr.gov.uk/news

Oakdene Residential Home in Kendal

At Oakdene Residential Home in Kendal we are very proud of the care, companionship and security that we offer. We get great satisfaction from creating a happy relaxed environment for residents to enjoy.

We appreciate that taking the decision to enter residential care may be traumatic but believe it is a positive choice, one that brings many benefits and solves many problems. We provide genuinely flexible care and tailor the care to each individual - before admission we discuss the care plan with the resident and their family (if appropriate) and after consultation and assessment we are confident that needs are met.

The care provided is under constant review and is personal to the resident’s changing needs.

We ask each resident to help us compile a personal profile of their life, including hopes and desires, preferences and tastes; this helps us to really get to know the residents and helps us understand their needs. We can then provide truly “person-centered” care, including everything from their dietary preferences to their chosen recreation activities.

Photo scanning service

PiciScan, based in Kendal is an independent negative, slide and photo scanning service, working for customers throughout the UK.

Do you have a large number of photographs, tucked away in cupboards, the loft or just piled up somewhere? Do you have slides that you barely look at any more? Perhaps you have negatives tidied away in envelopes that you’re no longer sure what they are. Or maybe you have precious memories kept on home videos that are beginning to show signs of wear.

PiciScan can help! We scan all sizes of photograph up to A4 and all sizes of mounted slide and photographic negative. We also convert a variety of different video formats to DVD, including the transfer of VHS to DVD.

Just call 01539 741418 or visit our online photo scanning service shop to order your scanning directly.

What you can expect from PiciScan:

* Personal, friendly and helpful service.
* High resolution scans carried out by hand with colour correction.
* Free return delivery on all orders to mainland UK.
* Free secure courier, home collection service on all orders over £45.
* Every order comes with a DVD, personalised with your choice of text and image.

Preserve your memories today.

Trust proves cutting energy use isn’t just a lot of hot air

Industrial Air Power Ltd is the authorised distributor for Ingersoll Rand Industrial Technologies products throughout Wales and the South West of England. The two companies have made a dramatic shift from being suppliers of equipment to providers of solutions. We are fully conversant with all aspects of air generation and equipped to carry out energy audits on any installed system, regardless of size or manufacturer.

A full system audit includes leak detection, measurement of energy consumption, and flow measurement including pressure, temperature and final air quality.

As utility rates continue to rise and firms continue to look to green initiatives, energy consumption has become a growing concern for manufacturers.

One of the largest energy users within a plant is the compressed air system. Energy recovery provides a cost-effective way for manufacturers to reduce their energy bills while simultaneously benefiting the environment by capturing the thermal energy created through the compression process and putting it to work. Where the heat produced from an industrial air compressor can be fully utilised, simple payback periods of less than two years are frequently achieved.

Having already worked with Carbon Trust on a variety of projects, Terram called on its expertise when faced with rising energy costs. The specialist manufacturer of geosynthetic materials, employing 95 staff at its manufacturing plant near Pontypool, worked with Industrial Air Power to eliminate energy inefficiencies and redesign and install a new air compressor system. The result was an industry best in terms of energy usage and savings of £202,000 per annum. It also produced:

* Energy savings of approximately 11.25 million kWh over five years
* Cost savings of approximately £1m in five years
* Emission savings of 7,390 tonnes CO2 in the same period
* Payback of approximately 24 months

David Roberts, control engineer at Terram Ltd, said: “The savings we are seeing now are unbelievable but just as important is the fact that we are reducing our carbon emissions and therefore benefiting the environment.”

Although Terram had already started to investigate the costs for new compressed air systems, it hadn’t looked at where, when, how much air was being used. Carbon Trust helped it identify this and used Industrial Air Power to design a system to meet its needs.

Having a tailor-made system installed in turn allowed Terram to capitalise on secondary savings such as heat recovery and compressed air leak reduction.

Ongoing monitoring of the fully automated system allows the savings to be quantified. Monitoring also ensures that the focus on savings is maintained and remains a high priority for Terram.

The new compressor system was located into the steam boiler house. This enabled Terram to recover the waste heat generated by the compressors and use this to raise the temperature of the water in the hot well, which feeds the boiler. Increased water temperature in turn reduces the amount of gas needed to generate steam.

The aggregated savings from the installation of the new system and implementation of the measures identified represented an 11.8 per cent reduction in the site’s energy consumption and overall a 38.7 per cent reduction in the electrical energy consumption directly associated with the generation of the compressed air.

An annual CO2 saving of 1,214 tonnes has been achieved plus an additional 264 tonnes from a reduction in gas usage due to the heat recovery process.

From monitoring the system, it was calculated that Terram was using on average 85m3/min of compressed air with an efficiency of 8kW/m/min, which equated to 7.2 million kWh per annum. By installing a new compressor set supplied by Industrial Air Power, it was calculated that the efficiency could be improved to 6kW/m3/min. Post-installation monitoring has proved that the new machinery provides an average efficiency of 5.8kW/m3/min – delivering significant savings. The gas savings are on top of this.

The benefits to Terram have been fourfold: a significant reduction in energy costs, the ability to protect plant integrity, reduced maintenance cost and the added benefit of reduced gas consumption from the increased water temperature in the steam boiler hot well.

Installing new Ingersoll Rand two stage fixed speed compressors along with a Nirvana two stage trim compressor, fully automated via a control system provided Terram with primary energy savings. Secondary savings came as a result of the heat recovery process, lower maintenance costs and the leak reduction programme.

The exercise has been successful in achieving reductions of CO2 emissions and the overall costs of supplying the service of compressed air to the business.

A Carbon Trust Wales consultant worked together with Industrial Air Power and Terram engineers providing impartial, independent advice enabling the company to make an informed decision and deliver value for money. Carbon Trust independently validated the energy savings and confirmed that they exceeded Industrial Air Power’s initial projections.

Through our experience in carrying out hundreds of compressed air audits we have identified the majority of existing compressed air systems include one or more of these deadly sins. This will have and adverse affect on your reliability, productivity and energy consumption.

* System over-pressurisation resulting in increased artificial demand
* Excessive waste through air leakage
* False loading of compressors due to lack of system automation and volume
* Inefficiency caused by cycling fixed output compressors
* Excessive pressure drop

If you would like advice on calculating your savings potential and increasing your company’s profitability contact Industrial Air Power on 01656 658961, email sales@airpower.co.uk

Walkabout Pet Services in York

If your pets are not only members of your family but your best and most loyal friends. When you can’t be home for them, whether it’s because of work, holiday or other obligations, you want them taken care of with the same love and attention you give them and that’s exactly what you can expect from Walkabout Pet Services.

They offer professional dog walking in York and a range of other pet services for a variety of animals. They can also handle various home care services which, by making it appear that your house is occupied, can be a great crime deterrent, plus your pet can stay in the comfort of their home getting fed and walked with no upset to their normal routine.

Pet services include:

  • Dog walking and socialising for a minimum of 60 minutes in groups no larger than 5 client dogs. (Come rain or snow as long as I can get to your property safely your dog will be walked for the full time paid for, regardless of the weather, with no corners cut)
  • High Energy Dog Runs on a one to one basis.
  • Cat Feeding and Dog Feeding with water changing and administration of medicine.
  • Small Animal Feeding and water changing.
  • Holiday care of your pet within it’s own home environment.
  • Litter tray/cage cleaning.
  • Purpose built pet taxi for transportation to vet or groomer.

Home Care Services include:

  • Watering plants.
  • Bringing in newspapers/mail.
  • Turning on/alternating lights.
  • Opening/closing curtains/blinds.
  • Key holding service.

Scale Hill Cottages

Nestling in the Buttermere, Loweswater, Crummock Water and Lorton Valley in the English Lake District, Scale Hill Cottages has provided accommodation for over two centuries. Situated in its own grounds with an attractive garden overlooking the valley and the River Cocker we now provide Buttermere self catering accommodation from February to December inclusively.

Just eight miles from Keswick and Cockermouth Scale Hill, once a famous coaching inn and now a family home, offers a dramatic location for a peaceful escape or a family adventure. Watch the red squirrels in the garden, wander through the woods to Crummock Water, conquer local Wainwrights, take a rowing boat out on the lake, explore the Cumbrian coast - enjoy life in a natural area of beauty.

The Buttermere, Loweswater and Lorton Valley lies in the North West corner of English Lakeland, with its western end opening out towards the coastal plain and thus gathering milder weather than most of the Lake District.

The three lakes carpet the Valley floor interspersed with the green fields of the sheep farms and the broad-leaved woods, and all are surrounded by the fells, ranging from Low Fell in the west beside Loweswater Lake and Grasmoor and Mellbreak guarding Crummock Water, to Red Pike and Haystacks over Buttermere, whilst Great Gable watches over all from the South East.

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