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Deep Blue NRG Group: From energy monitors to radiator tubes

Deep Blue NRG Group: From energy monitors to radiator tubes | Deep Blue Group | Scoop.it
Families are facing record energy bills averaging £1,264. Nigel Berman, pictured, cut his fuel expenses by £200 a year using an energy monitor
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SEVEN gadgets that can cut your bills by hundreds of pounds

This small battery-operated device lets you see your power use around the home instantly and shows what appliances are costing you the most. The screen displays how much energy is being used at any one time.

 

Rather than directly saving you money it provides sobering information on current energy use – and encourages you to curb it.

 

Nigel Berman, 49, from Hove, East Sussex, says he has cut his energy bills by £200 a year after installing an Owl monitor. It has also encouraged him to invest in other energy-saving gadgets including radiator boosters and shower timers.

 

The former publisher, who runs a website selling eco products (nigelsecostore.com), says: ‘If you leave lights on or boil the kettle it is instantly spotted with energy use spikes on the monitor – and it can also be used to track down unexpected expenses you can put a stop to.

 

‘For example, my toaster was eating electricity on standby even when not being used. It is great to take control of my energy bills knowing where the money goes –even it can’t stop the tariff hikes.’

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Deep Blue Group Publications LLC Personal Planning Guide: Økonomisk planlegging

Deep Blue Group Publications LLC Personal Planning Guide: Økonomisk planlegging | Deep Blue Group | Scoop.it

http://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/financial-planning-five-key-things-you-need-to-know/article15532073/

 

De to minst skremmende ord i ville verden av penger: økonomisk planlegging

 

Dette forklarer hvorfor du hører planlegging som nevnt mer og mer disse dager ved investering bransjen. Planlegging er praktisk, forståelig og separat fra vagaries av aksjemarkedet. Folk er mer forberedt og har bedre økonomiske resultater hvis de har en plan for å følge. Men som med alle andre finansielle tjenester eller produkter, må du være en forsiktig forbruker. For å sammenfalle med økonomisk planlegging uke, la oss ta en titt på fem realitetene av å ha en ekspert lage en pengene veien kart for deg.

 

1. Økonomisk planlegging er ofte en komme-på for å selge produkter.

 

Økonomisk planlegger er en frase, ikke en ekte tittel eller yrke. Det er flere økonomisk planlegging betegnelser som forteller deg en person faktisk er blitt opplært som planlegger, inkludert den sertifiserte Financial Planner (CFP), registrert Financial Planner (RFP) og personlig økonomisk planlegger (PFP).  Men de som holder disse betegnelser kan tilbringe alle eller de fleste av deres tid selger og administrasjon av investeringer.

 

Pass deg for selskaper med økonomisk planlegging i deres navn. De kan være noe mer enn gjensidige-fondet Mills. Investering salg og planlegging kan gå sammen, men planen kommer først og må være basert på bunker av personlige data som leveres av du, inkludert alle dine eiendeler og gjeld.

 

Det er også verdt å merke seg at tittelen på økonomiske planlegger er uregulert utenfor Quebec. En planlegger uten legitimasjon er en amatør på best.

 

2. Folk liker tanken på å betale for en plan uten en sales pitch for investeringer.

 

En pensjonert Winnipeg!") mann delte sitt økonomiske råd til sine døtre i en nylig kolonnen (les den online på tgam.ca/DW2F), og punktet som genereres av langt de fleste respons fra hele verden lesere var å leie en investering planleggeren som ikke selger noen investering produkter av alle slag. Med andre ord, bruk noen som er timebetalt eller en flat rate.

Gebyr-bare planleggere er ikke lett å finne, men de er der ute i byer over hele landet. Noen ting å spørre om du vurderer å kjøpe en av dem: Er du lisensiert for å anbefalinger om verdipapirer som del av planen, eller kan du bare diskutere big-bilde å investere saker som ressurs fordeling? Trenger du strengt gjøre planlegging, eller må du også administrere porteføljene? Er dine priser omsettelig, eller fleksibel i form av som gjenspeiler nivå av detaljer jeg trenger?

 

Les mer:

http://deepbluegroup.org/

http://deepbluegroup.org/blog/

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Slight decline in EU jobless comes with health warning

Slight decline in EU jobless comes with health warning | Deep Blue Group | Scoop.it
While unemployment remained at record levels in percentage terms, the actual number of jobless people in the eurozone fell slightly in July, according to data published over the weekend, offering fresh evidence that Europe's struggling economy was...
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Deep Blue Group - While unemployment remained at record levels in percentage terms, the actual number of jobless people in the eurozone fell slightly in July, according to data published over the weekend, offering fresh evidence that Europe's struggling economy was taking tentative steps towards a recovery.

 

The tiny improvement in employment - which came alongside declining inflation and a survey showing improved confidence among European consumers and business managers - was welcomed as additional evidence that the worst of the region's downturn was probably over. But officials and economists cautioned that the economic health of Europe remained fragile and the pace of recovery highly uneven within the region.

''The recent improvements are minimal,'' said Laszlo Andor, the European Union's commissioner for employment. ''This is no time for celebration or complacency.''

 

The jobless rate in the 17 countries that share the euro was 12.1 per cent in July, adjusting for seasonal effects, according to a report from Eurostat, the European Union statistics agency. That figure has remained unchanged for several months. A year earlier, it was 11.5 per cent. Eurostat estimated that 19.2 million people in the euro area were jobless in July, 15,000 fewer than in June.

 

For all 28 countries in the EU, the number of unemployed fell by 33,000, to 26.7 million, for a rate of 11 per cent. The European bloc expanded to 28 members on July 1, when Croatia joined.

Joblessness in the eurozone has been marching higher almost without interruption for more than five years, declining only briefly at the beginning of 2011. The July data showed the first back-to-back monthly decline in the number of jobless since April 2011.

 

But while some countries, such as Germany, Austria and the Netherlands, have managed to weather the crisis with relatively little human cost, their southern European neighbours - crippled by the eurozone's debt crisis - still confront devastating levels of joblessness, particularly among the young.

 

''Against the background of what we've seen over last 18 months, yes, this is good news,'' Carsten Brzeski, an economist at ING Bank in Brussels, said of the employment figures. ''But tell that to the people who are still unemployed in places like Spain.''

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KerrJeyne Minalto's comment, September 2, 2013 3:58 AM
Very interesting post! keep writing alike to this very good post.
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Deep Blue NRG Group: Energy in the room

Deep Blue NRG Group: Energy in the room | Deep Blue Group | Scoop.it
Independence Power and Light unveiled its plan Saturday to move from coal to a more diversified power supply due to EPA regulations and the age of its two coal plants.“Do you have safe and reliable service at reasonable rates?
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Independence, Mo.

 

Independence Power and Light unveiled its plan Saturday to move from coal to a more diversified power supply due to EPA regulations and the age of its two coal plants.

 

“Do you have safe and reliable service at reasonable rates?” energy attorney Karl Zobrist asked the audience.

 

This question framed the discussion on energy options. Nearly a hundred people came to learn about the fates of the two coal power plants owned by the city of Independence: Blue Valley and Missouri City.

 

They heard from representatives from IPL, Indy Energy and the Sierra Club and then had the opportunity to voice their concerns.

 

IPL director Leon Daggett said it wants to go a more diverse route for energy sources in order for rates to remain stable. The plan is to retire the Missouri City plant in January 2016 and the Blue Valley power plant off of Truman Road in Independence will switch from coal to natural gas. No additional expense will be required to convert Blue Valley to use natural gas, he said, because the plant was originally designed for it.

 

Recent EPA regulations mandate that all U.S. coal power plants operate at a cleaner and more efficient level beginning this year. Jason White of Indy Energy said meeting this requirement will cost $105.5 million to upgrade both plants.

 

“Burning coal will be expensive,” White told the audience. “Potential costs to upgrade the plants to meet EPA regulations will be $27.1 million for Missouri City and $78.4 million for Blue Valley, bringing a total of $105.5 million.”

 

White said the costs were determined by a 2011 master plan update in which IPL outlined energy issues and options. The study revealed three developments: the cancellation or delay of over 100 coal-fired projects, declining natural gas prices and pending environmental requirements.

 

According to a December 2013 report by the Union of Concerned Scientists, a nonprofit advocacy group, as many as 329 coal-fired generators in the country are no longer economically competitive to operate.

“They are simply older, dirtier and underutilized compared to natural gas or wind power,” White said.

The UCS report also said the IPL plants are “ripe for retirement” with Missouri City being 59 years old and Blue Valley 51. The average life expectancy of a coal plant is 45 years, White said.

 

The IPL master plan also recommends to replace the two coal plants as well, citing output. It says the plants have an increasingly smaller role in meeting overall energy needs. Peaking at 38.2 percent in 2008, the plants only generate 10 or 11 percent of the city’s power today.

 

“Missouri City is a small plant that is used four months during the summer,” said Daggett. “The city’s power is 60 to 65 percent from two life-of-unit contracts through Iatan and NC-2 at 5.5 cents per kilowatt hour; 13 percent is from natural gas at the Dogwood Facility in Pleasant Hill and the rest are from spot purchases and renewable sources.”

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Three Tax Scams to Beware of This September

Three Tax Scams to Beware of This September | Deep Blue Group | Scoop.it
The IRS wants you to know about three common year-round scams: identity theft, phishing and return preparer fraud.
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Three Tax Scams to Beware of This September

The IRS wants you to know about three common year-round scams: identity theft, phishing and return preparer fraud.

Are you thinking about taxes while you’re enjoying the warm summer months? Not likely! But the IRS wants you to know that scammers ARE thinking about taxes and ways to dupe you out of your money. 

Tax scams can happen anytime of the year, not just during tax season. Three common year-round scams are identity theft, phishing and return preparer fraud. These schemes are on the top of the IRS’s “Dirty Dozen” list of scams this year. They’re illegal and can lead to significant penalties and interest, even criminal prosecution.

Here’s more information about these scams that every taxpayer should know.

1.     Identity Theft. Tax fraud by identity theft tops this year’s Dirty Dozen list. Identity thieves use personal information, such as your name, Social Security number or other identifying information without your permission to commit fraud or other crimes. An identity thief may also use another person’s identity to fraudulently file a tax return and claim a refund.  


The IRS has a special identity protection page on IRS.gov dedicated to identity theft issues. It has helpful links to information, such as how victims can contact the IRS Identity Theft Protection Specialized Unit, and how you can protect yourself against identity theft.

2.     Phishing. Scam artists use phishing to trick unsuspecting victims into revealing personal or financial information. Phishing scammers may pose as the IRS and send bogus emails, set up phony websites or make phone calls. These contacts usually offer a fictitious refund or threaten an audit or investigation to lure victims into revealing personal information. Phishers then use the information they obtain to steal the victim’s identity, access their bank accounts and credit cards or apply for loans. The IRS does not initiate contact with taxpayers by email to request personal or financial information. Please forward suspicious scams to the IRS at phishing@irs.gov. You can also visit IRS.gov and select the link “Reporting Phishing” at the bottom of the page.

3.     Return Preparer Fraud. Most tax professionals file honest and accurate returns for their clients. However, some dishonest tax return preparers skim a portion of the client’s refund or charge inflated fees for tax preparation. Some try to attract new clients by promising refunds that are too good to be true. 

Choose carefully when hiring an individual or firm to prepare your return. All paid tax preparers must sign the return they prepare and enter their IRS Preparer Tax Identification Number (PTIN). The IRS created a webpage to assist taxpayers when choosing a tax preparer. It includes red flags to look for and information on how and when to make a complaint. Visit www.irs.gov/chooseataxpro.

For the full list of 2013 Dirty Dozen tax scams, or to find out how to report suspected tax fraud, visit IRS.gov.

 

 

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Henry Rielle Munckin's comment, September 5, 2013 2:02 AM
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