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What'sOn

What'sOn

& improve efficiency by Helen Say

Here’s a list of latest developments that you may want to consider when renovating your home. Frameless structural glazing - As the glass used is thicker and stronger you do not need framing systems to help support the installation. Floor to ceiling windows - Help bring the outside in. Particularly popular in kitchen designs, flooding the space with natural light. Plus the reduced lighting load cuts down on utility bills. Structural glazing - Describes glass that is integral to the design of a building. It involves large glass panels, which usually bear some weight in the structure. Can include sliding glass doors, roofs, extensions, entrance ways and canopies, Coloured frames - Give great flexibility in personalising your home, perhaps in a shade which will complement the existing architecture and stay in keeping with surrounding homes Glass canopies - Attractive, yet highly practical architectural feature typically located over a building’s entrance. Made from toughened glass, and more than capable of withstanding a build -up of snow. Solar control glass - A hi-tech product with a metallic coating applied to one side allowing light to pass through the window while radiating and reflecting away some of the infrared part of the sunlight itself. Helps the indoor area to stay brighter and cooler than with plain glass. Energy efficiency - The more efficient a window is, the more it will help to keep the heat in your home and save you money on your energy bills. The BFRC (British Fenestration Rating Council) rate the thermal efficiency of windows from A to G, with A being the most efficient. To meet “Energy Saving Recommendation” certification, the windows must be C-rated at the very least.

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Recession & long term investments

By Oliver Suter DipPFS, financial adviser

Investment solutions group photo

The UK narrowly avoided a recession in Q2, but what is a recession, and how does it affect us? What is a recession? A recession is a period of economic decline, generally identified by a fall in GDP in two successive quarters. Essentially, this means if the economy is shrinking for 6 months at a time, we are in a recession. Analysis shows that recessions last between 2 and 18 months, the average spanning about 10 months. How does it affect us? With interest rates and inflation increasing, we spend more on essentials. This leaves us less to spend on luxuries. As demand falls, unemployment may rise. Thankfully, we have very low unemployment, so we’re starting from a strong position. A recession represents many things, but the outcome can realign the misallocation of capital. By driving down asset prices, recessions can provide attractive opportunities for longer term investors. Worried about your savings, investments and pensions? Let’s talk. ‘Investment Solutions’ is the trading name of Investment Solutions Wealth Management Ltd who are authorised and regulated by the Financial Conduct Authority.

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